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One that offers consumers high quality, mobile-first credit and savings products and protects them from tricks and traps? That’s LendUp. LendUp's mission is to provide anyone with a better path to financial health. \r\n\r\nWe believe there are two types of financial products: chutes and ladders. Ladders help people up, chutes push people down. One of our core values is that every product we offer at LendUp is a ladder, measured by the long-term financial well-being of our customers. LendUp credit cards, loans, and savings resources reflect our commitment to getting our customers to a better financial state.\r\n\r\nWe are a data-driven company and build all of our technology in-house. With a firm belief that you're more than your credit score, we're extending credit as aggressively as possible and helping solve for the income volatility and financial instability that affects more than 140 million Americans. \r\n\r\nWe are backed by more than $325 million in debt and equity financing from investors such as GV, PayPal, Y Combinator, QED Investors, Susa Ventures, Data Collective, Thomvest Ventures, Kleiner Perkins, Kapor Capital, Bronze Investments, radicle impact, Victory Park Capital, Reddit co-founder Alexis Ohanian, Gmail founder Paul Buchheit, Troy Carter, and many others.\r\n\r\nOne of our values is \"different backgrounds, same mission.\"​ We come from venerable Silicon Valley technology companies, major banks, nonprofits and law firms. We're former consumer advocates, regulators and academics. Together, we're bringing our mission to life. 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We help businesses collect both recurring and one-off payments, without the chasing, stress or expensive fees.\r\n\r\nWe’re building a global bank payment network that lets people make and collect payments straight from their bank account, across multiple countries and currencies. 75,000+ businesses around the world trust us to power their payments. We enable them to collect payments from 30+ countries, processing over $30 billion each year.\r\n\r\nOur suite of add-on products are helping businesses face their payment challenges head on. From automatically recovering failed payments, to challenging charge backs and fighting fraud - all without compromising their customer’s payment experience.\r\n\r\nOur open banking leadership unlocks the ability to make and accept direct bank payments confidently and securely. And our acquisition of Nordigen means we’re also helping businesses make faster and more informed decisions by accessing and generating insights from their customers’ bank account data.\r\n\r\nWe’re also backed by some of the world’s leading investors including Accel Partners, Bain Capital Ventures, Balderton Capital, GV (formerly Google Ventures), Notion Capital, Passion Capital, Permira and Salesforce Ventures. We're a global team, with offices in London, Paris, Riga, Melbourne and New York.", "one_liner": "We’re building the world’s bank payment network.", "team_size": 900, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326789297, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2011", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/gocardless", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2011/gocardless.json", "year_founded": 2011, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/gocardless/", "x_url": "https://twitter.com/GoCardless", "fb_url": "https://www.facebook.com/GoCardless/", "cb_url": "https://www.crunchbase.com/organization/gocardless", "github_url": "https://github.com/gocardless", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ccdabab089f9b89cedc7a361ae2e169d4d6a942.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/3a4f8e29e2ed10dc6dbf1a32697ac1fef3424e39.png" ], "primary_partner": null, "founders": [ { "user_id": 24082, "full_name": "Hiroki Takeuchi", "title": "Founder/CEO", "founder_bio": "Hiroki is co-founder and CEO of GoCardless, a global leader in direct bank payment solutions. Prior to founding GoCardless, he worked as a Business Analyst at McKinsey & Co before succumbing to the entrepreneurial bug and enrolling in the Y Combinator program. He studied Mathematics at Oxford University where he served as Vice President of Oxford Entrepreneurs.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hirokitakeuchi/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d7384c8f7758066af68c5e0dccb67f318e49bb2f.jpg" }, { "user_id": 24083, "full_name": "Tom Blomfield", "title": "Founder", "founder_bio": "Cofounded GoCardless (YC S2011) and Monzo (YC Continuity). 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Sift dynamically prevents fraud and abuse through industry-leading technology and expertise, an unrivaled global data network of 70 billion events per month, and a commitment to long-term customer partnerships. 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Save time and money.\r\n\r\nChargebacks are tedious to rebut yet costly to ignore. Revenue lost from chargebacks can be won back, but the dispute process is time-consuming and inefficient. With one simple integration, Chargehound automates your entire dispute process. You can respond to all your chargebacks — instantly.\r\n\r\nLet us do the work — as soon as you receive a dispute, Chargehound will create and submit a comprehensive, customized response on your behalf. Instead of spending hours compiling disputes, you can focus on more impactful goals, like minimizing your chargebacks and maximizing your win rate. \r\n\r\nGet started for free by making an account at www.Chargehound.com!", "one_liner": "Automate your chargeback dispute process. 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Hand-coded goods.", "is_active": true, "linkedin_url": "", "x_url": "https://twitter.com/dmitricherniak", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3c7ee773662fa82a862e6253c910c62f9d3b274c.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 597, "name": "Axoni", "slug": "axoni", "former_names": [ "TradeBlock" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8c4cc56e4a37201555dc18cf1c50c92082ad616b.png", "website": "https://axoni.com", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "Axoni is a New York-based technology firm that builds multi-party workflows and infrastructure for some of the largest financial institutions in the world. Founded in 2013, the company offers core data infrastructure, application development, and automation tools. ", "one_liner": "Axoni is building the next generation of capital markets technology", "team_size": 155, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1384978765, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Greg and Jeff, brothers and co-founders of Axoni, have worked together for over a decade, bringing complimentary skills leveraging both their unique backgrounds. Greg started his career working on Fixed Income at Citi, leaving to work in tech, while Jeff was the Engineering Lead in a strategy group at Raytheon. In 2013, they recognized the lack of enterprise-grade tools for bitcoin trading and began to build  TradeBlock, their first company, with products for institutional clients including data feeds, an institutional portfolio management platform, and created the road to building technology around core banking transactions. " }, { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "Axoni started in 2016 - originally as an additional business line at TradeBlock, with the goal of overhauling global capital markets infrastructure. In 2016, the company launched announcing an engagement with ICAP’s Post Trade Risk and Information division to optimize post-trade workflows in the foreign exchange market. Later in 2016, seven firms, including Bank of America Merrill Lynch, Citi, Credit Suisse, J.P. Morgan, and The Depository Trust & Clearing Corporation (DTCC) announced the successful test of blockchain technology and smart contracts to manage post-trade lifecycle events for credit default swaps (CDS). In 2017, eleven firms completed a pilot to manage equity swap transactions, leading to the launch of Veris, Axoni’s permissioned ledger network for equity swaps. In 2020, Axoni continued to grow rapidly, including technology partnerships with DirectBooks™, the communication platform for primary issues of corporate bonds and the Options Clearing Corporation (OCC), the world’s largest equity derivatives clearing organization." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "The world of capital markets is a massive web of proprietary systems, processing large volumes of highly complex data. It’s built from layers and layers of systems or databases that need to interact to process every trade. These systems were not built anticipating challenges around synchronization with external parties, often breaking as they try to communicate with one another. Despite endless layers of manual and automated reconciliation processes, inter-system data synchronization remains one of the most pervasive and costly problems in capital markets, stemming from risk of synchronization loss, mistranslation, and data integrity. Axoni’s technology allows clients to have provably accurate data in real-time to reduce operational risk and costs, as well as unlock unprecedented opportunities for data analytics." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Our vision is a world of perfectly synchronized data across financial markets, eliminating the massive costs and risk that exist in the markets today. Our goal is to be the  de facto protocol for sharing data in financial markets to enable our clients to move beyond the constraints and inefficiencies of legacy systems. " } ], "url": "https://www.ycombinator.com/companies/axoni", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2014/axoni.json", "year_founded": 2013, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/axoni/", "x_url": "https://twitter.com/axoni", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/axoni", "github_url": "https://github.com/Axoni", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8c4cc56e4a37201555dc18cf1c50c92082ad616b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 58403, "full_name": "Greg Schvey", "title": "Founder/CEO", "founder_bio": "Greg is a repeat entrepreneur and drives Axoni’s strategic execution. 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We utilize this information to manage institutional capital and securitize loans", "one_liner": "The mission of Theorem is to make credit safe and available. We use…", "team_size": 34, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1384978922, "tags": [ "Fintech", "Machine Learning" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Acquired", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/theorem", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2014/theorem.json", "year_founded": 2013, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/theorem-687d", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a07fab3a68d06eb74f5105810d2d86f8ba404c4d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 466, "full_name": "Abeer Agrawal", "title": "Founder/CTO", "founder_bio": "Prior to Levro, Abeer was the Co-founder & CTO of Theorem (YC W14), a machine learning enabled hedge fund which he built to over $1bn+ in AUM. 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Founder/CEO of ZipCam.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/michaeledwardpalmer/", "x_url": "https://twitter.com/meponymous", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/806077263439b2b95d09a2ed59c84e4c7b100d25.jpg" }, { "user_id": 73566, "full_name": "Brian Goler", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/briangoler", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/378e24a81746db08d4e767fb74825ef9fcae9743.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 633, "name": "Zidisha", "slug": "zidisha", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2235e108f443f2f51f89eaa9dbc94cb68d765e51.png", "website": "https://www.zidisha.org", "all_locations": "Sterling, VA, USA; Remote", "long_description": "Zidisha is the world's first direct peer-to-peer lending service to bridge the international wealth divide, allowing individuals worldwide to lend to and communicate with borrowers in developing countries without local intermediaries. The direct connection creates better transparency, more profit for the entrepreneurs and lenders, and greater wealth creation for the world's poorest communities. We've been featured in numerous press and media for our groundbreaking work in using internet and mobile phone technologies to connect entrepreneurs in some of the world's most isolated and impoverished places with the international peer-to-peer lending market.", "one_liner": "Direct P2P lending across the international wealth divide.", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1384979110, "tags": [ "Fintech", "Marketplace", "Community", "Crowdfunding" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": true, "batch": "Winter 2014", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/zidisha", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2014/zidisha.json", "year_founded": 2009, "city": "Sterling", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/ZidishaInc", "fb_url": "https://www.facebook.com/ZidishaInc?sk=wall", "cb_url": "https://www.crunchbase.com/organization/zidisha", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2235e108f443f2f51f89eaa9dbc94cb68d765e51.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 36608, "full_name": "Julia Kurnia", "title": "Founder/Director", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juliakurnia", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1054e490ec16bad75e25310a0a62a945f44e720d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 71010, "title": "Zidisha - Crowdfunding for developing country entrepreneurs", "tagline": "We let you crowdfund and interact directly with remarkable entrepreneurs in developing countries.", "body": "TL;DR: Fund a small business for a low-income entrepreneur in Africa or Asia. Interact directly with your chosen entrepreneur via chat, photos and videos. Then watch your impact multiply as the entrepreneur pays your donation forward by funding other entrepreneurs in need.\n\n![uploaded image](/media/?type=post&id=71010&key=user_uploads/36608/a2a1c289-4c12-44b5-9559-68e075dd0a1d)\n\n### The problem: Developing country businesses lack capital\n\nSmall businesses provide 80% of employment in Africa and other emerging markets - but they lack access to the capital they need to grow and provide more jobs. Too small to be profitable for banks and too large to benefit from consumer loan apps, these businesses are called the “missing middle” because they fall between the tiers served by existing financial infrastructure.\n\nFor example, Daniel started a cybercafe in a low-income neighborhood in Ghana. His facility is the only source of internet access in the community, but it has only two computers and people must wait for hours to use them. Daniel earns barely enough to support his family, and there isn’t enough left over to invest in new machines.\n\n### The solution: Connecting entrepreneurs to investment capital\n\nA friend invites Daniel to use Zidisha, and he signs up and posts his story and photos on the platform. His initial project of $50 is funded by a combination of Zidisha entrepreneurs and philanthropic backers who visit the website. He uses the $50 to buy a printer and add printing services to his cybercafe. Within a couple of months, the printer has paid for itself. Daniel “pays it forward” by funding $50 worth of projects for other fundraising entrepreneurs on the platform.\n\nIn a subsequent project, Daniel raises $300 and uses it to acquire two more second-hand computers. This doubles the capacity of his cybercafe and Daniel’s earnings. Daniel pays the $300 forward to other Zidisha entrepreneurs while continuing to benefit from the increased cash flow. The increased earnings allow Daniel to enroll his daughter in high school.\n\nEventually, Daniel raises $1000 to open a second cybercafe in a nearby neighborhood. He hires two employees to help him manage the second cybercafe.\n\n### How it works\n\nEntrepreneurs in developing countries create project pages where they share their story, photos, and descriptions of their investment opportunity. Projects are funded by backers from all over the world.\n\nInstead of repaying the projects as loans, entrepreneurs “pay it forward” by in turn funding other entrepreneurs on the platform.\n\n![uploaded image](/media/?type=post&id=71010&key=user_uploads/36608/bd8803ee-5359-4009-8d63-e66a4c4fe466)\n\nEntrepreneurs post project updates and interact directly with their backers through the project discussion tab.\n\n![uploaded image](/media/?type=post&id=71010&key=user_uploads/36608/e1786735-029d-492b-b38c-6cafcec477d9)\n\nBackers can view which projects were funded by their entrepreneurs and watch their impact grow over time as the funds continue to be recycled.\n\n### How you can help\n\n* Connect us with impact investors who are interested in creating new opportunities in developing countries. Email the founder, Julia Kurnia, at julia (at) zidisha.org.\n* [Visit our website](https://www.zidisha.org) to meet an entrepreneur today!", "url": "https://www.ycombinator.com/launches/ITK-zidisha-crowdfunding-for-developing-country-entrepreneurs", "votes": 18, "created_at": "2023-04-17T18:46:53.162Z" } ] }, { "id": 659, "name": "Bitaccess", "slug": "bitaccess", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c08fc941c091f26331f34ae8c8b4c5585da5e276.png", "website": "http://bitaccess.com", "all_locations": "Ottawa, ON, Canada; Toronto, ON, Canada", "long_description": "We make enterprise software for crypto.\r\n\r\nOur leading product is a Bitcoin ATM. Customers have converted over $1B USD of cash into Bitcoin at our network.", "one_liner": "We make bitcoin simple. ", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1398907635, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bitaccess", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/bitaccess.json", "year_founded": 2014, "city": "Ottawa", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/bitaccess", "x_url": "https://twitter.com/bitaccess", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/bitaccess", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c08fc941c091f26331f34ae8c8b4c5585da5e276.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 43373, "full_name": "Moe Adham", "title": "Founder", "founder_bio": "Founded Bitaccess (S14, acquired NASDAQ:BTM), and Sol Strategies Inc (public, CSE:HODL).\n\nNow I'm working on something new.\n\nFind out more at moeadham.com", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/moeadham/", "x_url": "https://twitter.com/moeadham", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/997892cfd9cd2c0d783b242223e899858645fe45.jpg" } ], "jobs": [], "news": [ { "title": "Bitcoin Depot to Begin Trading on July 3rd on the Nasdaq Under Ticker Symbol BTM", "url": "https://www.globenewswire.com/news-release/2023/06/30/2698079/0/en/Bitcoin-Depot-and-GSR-II-Meteora-Acquisition-Corp-Announce-Closing-of-Business-Combination.html", "date": "Jun 30, 2023" }, { "title": "Bitcoin Depot Announces Acquisition of Majority Interest in Bitaccess", "url": "https://www.globenewswire.com/news-release/2022/11/02/2546525/0/en/Bitcoin-Depot-Announces-Acquisition-of-Majority-Interest-in-Bitaccess-a-Leading-Bitcoin-ATM-Software-Provider.html", "date": "Nov 02, 2022" } ], "launches": [] }, { "id": 682, "name": "Kash", "slug": "kash", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://withkash.com", "all_locations": "San Francisco, CA, USA", "long_description": "Kash is a San Francisco-based mobile payment company that clears transactions without interchange or card fees and is guaranteed against chargeback. The company gets rid of credit cards and middle-men that stand between bank accounts and retailers. It uses SecureDebit technology, a direct bank payment method that avoids the credit card network and allows retailers to save 2% to 5% in transaction processing fees. 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You deserve free and powerful everyday banking.\r\n\r\nNearly 3 out of 4 millennials would rather go to the dentist than listen to their bank. While it's possible that we just really love our oral hygiene, it's more likely that we don't trust or like our banks.\r\n\r\nIt's not hard to understand why. Big banks use big budgets and armies of salespeople and marketers to sell old-school products layered with fees and penalties. Their profits increase when we spend more, overuse debt, and make mistakes like overdrafting.\r\n\r\nBig banks get away with this because banking is such a vital service. Everyday spending and saving decisions that begin at the checking account ultimately determine whether we'll lead a healthy and secure financial life.\r\n\r\nWhat can be done? Bill Gates believes banks aren't necessary for banking. Millennials believe technology companies can make banking better. So let's build a better bank. 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We started with an advanced trading platform that uses algorithms to provide a competitive advantage to our customers. SFOX now aims to expand international commerce by making it easy to trade any currency and settle in real time.", "one_liner": "Crypto-currency trading platform.", "team_size": 60, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1398907976, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/sfox", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/sfox.json", "year_founded": 2014, "city": "Los Angeles", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/sfox", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/sfox", "github_url": "https://github.com/sfoxhq", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a274dfcb73df4022ba335a9f013ebc1f51ffa2d7.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/4/1408470894358-jcdulex7vo1ug14i-e32a80889231486917a47f85483c4cc2/6913457921df7929027e6868ba05325b.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022628Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=97c5120a61350b605201fb09862c04b4c66d8d74d4855af0477ad84fb0e13bb0", "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 40244, "full_name": "George Melika", "title": "Founder/CTO", "founder_bio": "", "is_active": true, "linkedin_url": "https://linkedin.com/in/gmelika", "x_url": "https://twitter.com/gmelika", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a740e9b7f3bd9d97523fab068e409002f61e3b84.jpg" }, { "user_id": 5636, "full_name": "Akbar Thobhani", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/akbart", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/82cf50c150c453728bb8188dc02033557a19f62f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 704, "name": "Apto Payments", "slug": "apto-payments", "former_names": [ "Shift", "Apto" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/75e540aa00e6d4d7c686312ec0d7b3d44772f12e.png", "website": "https://www.aptopayments.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Apto Payments provides a white-label, turnkey solution to launch innovative, user-first, card programs. Our technology empowers our customers to issue Visa and Mastercard, physical and virtual, card programs. We have both a developer-first, Instant Issuance Platform, as well as an enterprise solution for bespoke opportunities. ", "one_liner": "API platform for partners to issue branded debit and credit cards to…", "team_size": 32, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1398907989, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/apto-payments", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/apto-payments.json", "year_founded": 2014, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/shift-payments", "github_url": "https://github.com/AptoPayments", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/75e540aa00e6d4d7c686312ec0d7b3d44772f12e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 73284, "full_name": "Greg Kidd", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gregkidd/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f9542960017b5259e3ca9fe017806dc4edb2d79c.jpg" }, { "user_id": 42041, "full_name": "Meg Nakamura", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/megnakamura", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/00cd03ce4262354679f4035d880989cefab12866.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 712, "name": "Paid", "slug": "paid", "former_names": [ "Theorem" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://paidlabs.com", "all_locations": "San Francisco, CA, USA", "long_description": "Paid is an API for invoicing. 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It offers Flatting, a software product that enables its users to keep track of their flat's expenses, including flat account, flat-mates, and payments. The company offers a dashboard that provides an overview of their flat accounts, such as how much is available to spend, each person’s ledger, and summaries of their previous spending.\n\nGlassjar was founded by Matthew Galloway and George Smith in 2013; and is headquartered in Wellington, New Zealand.", "one_liner": "Clean app for check writing", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1416307421, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/glassjar", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/glassjar.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/glassjar", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 8951, "full_name": "George Smith", "title": "Founder/CEO", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/georgedotsmith/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dd2e67c619a553ca54ea48643fed29daff997580.jpg" }, { "user_id": 63310, "full_name": "Matt Galloway", "title": "Founder/CTO", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/mpgalloway", "x_url": null, "avatar_thumb_url": "/avatars/thumb/missing.png" } ], "jobs": [], "news": [], "launches": [] }, { "id": 827, "name": "Razorpay", "slug": "razorpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b6a6aaf9a84fa4b7ddb53cabda7443c142a5a154.png", "website": "https://razorpay.com", "all_locations": "Bengaluru, KA, India", "long_description": "The journey of building Razorpay started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) witnessed the dismal state of the online payments industry in India then and understood that they have a larger and more important issue to solve. And That was democratizing online payments for Indian businesses, particularly the underserved market, Startups and SMEs. Over the last 9 years, Razorpay has evolved from a single-product company to a multi-product company, from an online payment gateway to India’s only full-stack financial solutions company, offering payments and banking solutions to businesses. Razorpay today is transforming age-old complexities and changing every known paradigm of money movement for disruptive businesses.\r\n\r\nOver the last couple of years, Razorpay’s growth has evolved to be an index of India’s digital economy. From a kirana shop in Kashmir collecting payments on our POS device to a textile exporter in Kanyakumari accepting dollars through our International Payments product, Razorpay has revolutionised how businesses have traditionally transacted and interacted with money. \r\n\r\nRazorpay became the first and only Indian fintech to build a full-stack international Payment Gateway ‘Curlec by Razorpay’ and evolved into a comprehensive provider of payment solutions, leveraging the synergy between cutting-edge technological capabilities and a profound understanding of the local payment ecosystem. The introduction of the new Curlec Payment Gateway aims to cater to a wide spectrum of businesses, expanding its reach to over 5,000 establishments. \r\n\r\nBe it for international expansion or solving for Indian businesses, for Razorpay, the customer has always been at the core of all disruption, from addressing evolving needs to delivering new solutions. This hyperfocus helped bring Razorpay’s several industry-first innovations into the market since 2014. Razorpay became the first to launch a completely digital on-boarding process for startups, first to launch support for UPI, first to launch support for Bharath QR, first to introduce recurring payments for businesses through Razorpay Route, automating payment receipts and later automate payouts and making the entire process seamless and optimized and many more were introduced aling the way. Other firsts include: - First to launch India’s Multi-Network Tokenisation solution, TokenHQ - Razorpay became India’s first payment gateway to support credit cards on UPI - Razorpay also became India’s largest omnichannel payment gateway for businesses post acquiring Ezetap which is India’s leading offline POS company that was founded with the aim to simplify the in-person offline payments experience.\r\n\r\nOver the years, Razorpay’s valuation has jumped from $1 billion to $7.5 billion and has added a host of marquee investors to its captable. Razorpay is also the second Indian company to be a part of Silicon Valley’s largest tech accelerator, Y Combinator. Marquee investors such as Lone Pine Capital, Alkeon Capital, TCV, GIC, Tiger Global, Sequoia Capital India, Ribbit Capital, Matrix Partners, Salesforce Ventures, Y Combinator, and MasterCard have invested a total of $741.5 Mn through Series A, B, C, D, E and F funding. The last financing round of Series F led the company’s valuation to $7.5 Billion signaling one of the fastest increases in valuation for an Indian Unicorn. \r\n\r\nRazorpay has also made acquisitions with like-minded companies over the last 9 years. In total, till date, Razorpay has made eight acquisitions, Billme in 2023 - A Digital invoice and customer Engagement, Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading loyalty and reward management platform, IZealiant in 2022 - A mobile-first, API-enabled, and cloud-ready payment solution and made its first international foray in South-East Asia by announcing its acquisition of Curlec in 2022 - A recurring payments platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions, Opfin (Now RazorpayX Payroll) in 2019 - The payroll management solution and Thirdwatch in 2019, the first acquisition - The AI-powered fraud detection platform.\r\n\r\nAll these efforts are being done in collaboration with banks, regulators, and stakeholders so that India can build a better place for small and big businesses. Today, Razorpay powers online payments for 76 Of 100 startup unicorns and millions of businesses in India. The core premise of what Razorpay was founded in 2014 and what it is today hasn’t changed. It is to make money movement simpler and easier, whether it is for businesses to receive money, send money, or manage money. \r\n\r\n", "one_liner": "India's only full-stack financial solutions company for businesses.", "team_size": 2700, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1416309883, "tags": [ "Banking as a Service", "Fintech", "Payments", "India" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Winter 2015", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "(Attributed to Harshil Mathur, CEO & CoFounder of Razorpay)I met Shashank during our time at IIT Roorkee, and our collaboration began there. We worked on numerous projects together, fueled by our shared passion for coding. In fact, many of the codes we wrote during our college days are still the backbone of Razorpay's operations today. Our bond extended beyond academics; we were instrumental in founding SDS Labs, the software development section of our alma mater. After graduation, our paths diverged geographically, with Shashank moving to the USA to join Microsoft, while I ventured to the Middle East to work with Schlumberger. Despite the distance, our friendship remained strong, and we continued to collaborate on various side projects.One pivotal moment came in 2014 when we embarked on a crowdsourcing platform project to collect online donations for a cause. However, we encountered significant hurdles with existing payment gateway systems. This experience opened our eyes to the challenges faced by Indian businesses, particularly Startups and small businesses, in accepting payments online.Determined to address this gap, we decided to establish Razorpay, driven by a mission to democratize payments for startups and SMEs. Armed with research and fueled by our passion for solving real-world problems, we set out to create a platform that offers simple, affordable, and secure payment solutions.For us, perseverance has been a way of life. We are relentless in our pursuit of identifying and solving the financial challenges faced by small businesses. Whether it's rain or shine, we push through obstacles until we find viable solutions. This resilience has been the cornerstone of Razorpay's growth, propelling us from 10,000 partner businesses in 2017 to over 5 million today." }, { "question": "How did you decide to apply to Y Combinator? What was your experience applying, going through the batch, and fundraising at demo day?", "answer": "(Attributed to Harshil Mathur, CEO & CoFounder of Razorpay)Long before we applied to YC, Shashank and I had been fans. Hacker News was our go-to source for information on building startups, and a few months after we started working on Razorpay, we saw an announcement on Hacker News about the YC application period opening up.At that point, Razorpay hadn't launched and we weren't remotely confident about getting in. The YC application process is pretty thorough; there are tough questions that force you to be crystal clear about who you are as a company. Things like how will you differentiate yourself from the competition; how will you acquire market share; how big is your market, and how big will you be in a few years from now? All of those are important questions to discuss internally, and so at a minimum, we thought applying would help us zero in on succinct, precise answers to give both of us clarity, even if we didn't get in.But thankfully our efforts paid off, and we did make the cut. When Shashank Kumar and I found out in late 2014 we'd been accepted into Y Combinator, we figured we'd need to split our time between running Razorpay in Bangalore and joining our fellow founders in Silicon Valley. It was only a few months after we had launched Razorpay and we were afraid of abandoning our customers, even for a bit, just as we were getting off the ground. Ignoring that temptation and spending the full three months of YC in Mountain View was one of the best decisions we ever made.It was a good call to stay in US and not fly back and forth to India, because if we had, we'd have missed out on the full benefit of YC — spending valuable time with the other founders in our batch, meeting successful alumni and building relationships throughout the YC community, and getting mentored by YC partners and other investors.Now, 9 years later, we couldn't be more proud to be [YC's first Indian unicorn](https://techcrunch.com/2020/10/11/razorpay-100-million-billion-valuation-unicorn/). I can honestly say that although we had to work harder during those three months than at any other time in my life, with countless 20-hour days attending YC sessions and dinners and then working late nights supporting our customers in India, I wouldn't change a thing. That's why the best advice I can give to any Indian founder considering YC is to go all in on it the same way we did. The priceless, irreplaceable learning happens when you least expect it — during a late-night drink with another founder in your batch, maybe, or in a spur-of-the-moment meeting with a YC partner. You can't say you'll do 60% or 80% of the YC program, because you can't know where 60% or 80% of YC's advantage is. So figure out how to get 100% of the benefit of it; it'll be hard, and exhausting, definitely, but you will never regret it." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "In 2014, after discovering the dismal state of online payments in India Harshil and Shashank founded Razorpay, **India’s first payment gateway built for Startups** a platform for a simple, affordable, and secure way for businesses to accept payments online. Progressing in the journey that started with payment acceptance, the company also witnessed a progressive acceptance and adoption of digital innovations. But what was surprising was while the big payment players in the market were catering to large businesses, smaller businesses needed immediate attention. In India, **MSMEs are the second largest employment-generating sector after agriculture and contribute around 31% to the nation’s GDP**. One of the major challenges for SMEs & Startups was the lack of technology infrastructure, especially for B2B payment technologies. There was a need for a comprehensive converged payment and banking solution that can help manage the entire money movement (from acceptance to disbursals) within an organisation. This particular thought gave birth to the launch of **Razorpay’s neo-banking platform, RazorpayX, and lending platform Razorpay Capital.** The company now offers a single platform for businesses to manage the entire money flow within an organization. Eight years to now, **Razorpay evolved from being a payment gateway to India’s first full-stack financial solutions company providing intelligent new-age payment and business banking solutions** to help Indian businesses address the entire length and breadth of their payment & banking journey. The company believes that for the next phase of growth in the fintech industry, payment players need to **evolve beyond offering solutions for payment acceptance to managing the entire money flow (from acceptance to disbursements and everything in between). Hence, it is of supreme importance to recognize a market (SMEs & Startups)**, identify challenges, and provide a holistic solution, at scale." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "**Razorpay is committed to building the central nervous system of digital India.** The company aims to change how payments and banking are done for small businesses in India and wants to create a benchmark for the entire world to follow. Razorpay today is India’s leading and first full-stack financial solutions company that offers both payments and banking solutions for businesses on a single platform.  The founding team always wanted to build a platform like this because of the single goal **- to help businesses spend less time managing compliance and operations and more time creating new products, pursuing new ideas, and thinking about how to scale. The company’s vision continues to produce new idea and innovation that benefits millions of businesses even today.** Overall, the company wants to help make India economically more inclusive and is making strides toward that goal. Razorpay believes It’s an exciting time of change and is creating history. Digitization is the lifeblood of any business. It impacts EVERYTHING a business does - from cash flow & hiring to credit, investment & expansion. Businesses can no longer think of digitization as an afterthought! The digital payments landscape has multiplied over the last decade. India has globally positioned itself as a benchmark in digital payments owing to its resilient payment infrastructure, market practices, and proliferation of digital payments across various segments. The adoption of digital payments in the MSME space has unlocked several efficiencies that have driven end-to-end transformation in how small businesses conduct their operations. **India today is amongst the fastest growing Fintech markets in the world**, being the 3rd largest FinTech ecosystem, India has the highest Fintech adoption rate globally (87%). **Razorpay also believes & foresees Indian fintech as the default service provider for the world that can make a difference by bringing customized digital solutions for customers beyond the geographies clubbed with best-in-class fintech technologies.**" } ], "url": "https://www.ycombinator.com/companies/razorpay", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/razorpay.json", "year_founded": 2014, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/razorpay/", "x_url": "https://twitter.com/razorpay", "fb_url": "https://facebook.com/razorpay", "cb_url": "https://www.crunchbase.com/organization/razorpay", "github_url": "https://github.com/razorpay", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b6a6aaf9a84fa4b7ddb53cabda7443c142a5a154.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/d0542247c32aa7d285a58ea7c30e930677376536.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/74cc0eb93855c18a52ffa4468facbd5d5a49f51c.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 2139, "full_name": "Harshil Mathur", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/pub/harshil-mathur/69/23a/127", "x_url": "https://twitter.com/harshilmathur", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b49464f5e793b8f6bd7b9bf571489df67252ac91.jpg" }, { "user_id": 7125, "full_name": "Shashank Kumar", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "http://www.linkedin.com/in/kumarshashank", "x_url": "https://twitter.com/shashank_kr", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4bb41b492aebd9a1fb569c8e80c597ef82941171.jpg" } ], "jobs": [ { "id": 77, "title": "Senior / Principal Engineers", "url": "https://www.ycombinator.com/companies/razorpay/jobs/GQiEGb6ug-senior-principal-engineers", "location": "bangalore", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 6516, "title": "Senior Infrastructure Engineer", "url": "https://www.ycombinator.com/companies/razorpay/jobs/zUemCTA1N-senior-infrastructure-engineer", "location": "Bengaluru", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 16046, "title": "Senior/Principal Engineer/Manager, Frontend Engineering", "url": "https://www.ycombinator.com/companies/razorpay/jobs/Xpdifpfmk-senior-principal-engineer-manager-frontend-engineering", "location": "Bangalore, Karnataka", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "JavaScript", "React", "React Native" ] } ], "news": [ { "title": "et startup of the year razorpay: ET Startup Awards 2022: Razorpay wins Startup of the Year award - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/startups/et-startup-awards-2022-razorpay-wins-startup-of-the-year-award/articleshow/95185680.cms", "date": "Nov 07, 2022" }, { "title": "Razorpay Helps FinTech HostBooks Raise $3M | PYMNTS.com", "url": "https://www.pymnts.com/news/investment-tracker/2022/razorpay-helps-fintech-hostbooks-raise-3m/", "date": "Jun 10, 2022" }, { "title": "YC-backed Indian fintech unicorn enters SEA", "url": "https://www.techinasia.com/ycbacked-fintech-unicorn-razorpay-enters-sea", "date": "Feb 08, 2022" }, { "title": "Indian fintech giant Razorpay valued at $7.5 billion in $375 million funding – TechCrunch", "url": "https://techcrunch.com/2021/12/19/indian-fintech-giant-razorpay-valued-at-7-5-billion-in-375-million-funding/", "date": "Dec 19, 2021" }, { "title": "India’s Razorpay launches faster checkout feature, tops $60 billion TPV – TechCrunch", "url": "https://techcrunch.com/2021/12/08/india-razorpay-launches-faster-checkout-feature-tops-60-billion-tpv/", "date": "Dec 08, 2021" } ], "launches": [] }, { "id": 829, "name": "Seed", "slug": "seed", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://seed.co", "all_locations": "San Francisco, CA, USA", "long_description": "Seed is simply a better way to bank. As a mobile first banking service designed with the small business in mind, Seed empowers small businesses with modern, easy-to-use digital tools and customer-support resources for starting, running, and growing a business. With Seed, business banking has never been easier. Learn more at https://seed.co", "one_liner": "Mobile banking for small business.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1416310217, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/seed", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/seed.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/seed-2", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1685, "full_name": "Brian Merritt", "title": "Founder/CEO", "founder_bio": "I built banks. Previously I was the cofounder and CEO of Seed w15 (exited to Cross River Bank) and VP Engineering at Simple (exited to BBVA).", "is_active": true, "linkedin_url": "https://linkedin.com/in/brianmerritt", "x_url": "https://twitter.com/btmerr", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/27ff6ef9e4462a7c3d23fdf5fcea92ff7c2c3247.jpg" }, { "user_id": 3704, "full_name": "Ryan Hildebrand", "title": "Founder", "founder_bio": "Seed, W15 (exited to Cross River Bank). \n\nI’m a serial entrepreneur and operator who has spent a large part of my career at the intersection of technology and banking. I've managed accounting for banks, built fintechs, and now I'm a FinTech banker. \n\nI was part of the early team that built Simple (the first consumer fintech bank) and led the process of its sale to BBVA. I then built the first business fintech bank called Seed which we sold to Cross River Bank and became its Head of Payments/BaaS", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aibanker", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bca6f9d0637bfda3f70802296f23175bb318afb6.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 833, "name": "Tab", "slug": "tab", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e8f02178e3ddf46bafbfb385e35e6ddbd748c98d.png", "website": "https://www.tab.travel", "all_locations": "London, England, United Kingdom", "long_description": "At Tab, we’re revolutionising the way travellers discover, plan and book a trip.\r\n\r\nThe Guide lets travellers find and book anywhere — with helpful recommendations from friends & local experts, rather than bland listings with endless reviews. Planning your trip should be a joy, not a chore! We help people to travel responsibly, by booking direct instead of using traditional booking sites. Travellers get the best price and they help local businesses avoid unnecessary fees. \r\n\r\nTravel experts, content creators and the friends you always ask for recommendations can use The Guide to showcase their favourite places to stay and things to do. When you book one of their recommendations, you’ll get a discount from the business and they receive bonus credit to say thanks.\r\n\r\nThe Tab platform gives independent tourism businesses the tools to improve their online presence, be discovered, take direct bookings — and also to take payments. Our payment platform is uniquely designed for tourism businesses, handling over 100 currencies natively, and every payment type securely and easily.\r\n\r\nAs travel returns after a difficult period, it’s time for a fresh approach. That’s why we’re building a social commerce platform for tourism — helping to spread the benefits of tourism far and wide, and helping travellers make the most of their precious time abroad. \r\n\r\nWe're headquartered in London, and backed by Y Combinator (the investors behind Airbnb, Dropbox and Stripe).", "one_liner": "Revolutionising the way travellers discover, plan and book a trip", "team_size": 9, "industry": "Consumer", "subindustry": "Consumer -> Travel, Leisure and Tourism", "launched_at": 1416311007, "tags": [ "Fintech", "Marketplace", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2015", "status": "Active", "industries": [ "Consumer", "Travel, Leisure and Tourism" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tab", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/tab.json", "year_founded": 2015, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/9397300/", "x_url": "https://twitter.com/Tab_HQ", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tab-5", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e8f02178e3ddf46bafbfb385e35e6ddbd748c98d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 5148, "full_name": "Mark Datta", "title": "Founder/CEO", "founder_bio": "Mark worked in the finance industry, and at travel and fintech startups before founding Tab. 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Too often it’s because they are employed by a company that doesn’t offer a retirement plan. Human Interest is changing that by making it affordable and accessible for small and medium-sized businesses to offer employees a path to financial independence through retirement savings.\r\n\r\nWe’re a high-growth tech company changing the retirement industry. We’ve raised $500M and are backed by leading investors. 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Raised $350M in debt, $1 billion in term sheets.\n\nFeel free to reach out if I can help.\n\nI got a lot of help and happy to pay it forward.", "is_active": true, "linkedin_url": "https://www.linkedin.com/pub/rohit-mittal/6/30a/58a", "x_url": "https://twitter.com/rohitdotmittal", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7f4046bf5b22922901f32e59122aaa23a50eca58.jpg" }, { "user_id": 106482, "full_name": "Priyank Singh", "title": "Founder", "founder_bio": "CTO & Co-Founder, Helium Ventures | We acquire and operate software companies | Co-Founder, Stilt YC W16, acquired by JG Wentworth\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/priyanksingh", "x_url": "https://x.com/priyanksingh_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2b399b09b7f947b9f482f2378628cf79f48b8149.jpg" } ], "jobs": [], "news": [ { "title": "JG Wentworth Acquires Fintech Lending Platform from Stilt Inc.", "url": "https://finance.yahoo.com/news/jg-wentworth-acquires-fintech-lending-170500806.html", "date": "Dec 06, 2022" }, { "title": "How Stilt is helping immigrants build a financially stable life in the US", "url": "https://www.fintechfutures.com/2022/06/how-stilt-is-helping-immigrants-build-a-financially-stable-life-in-the-us/", "date": "Jun 07, 2022" }, { "title": "Stilt secures $114M in debt & equity to help fintechs and neobanks launch credit offerings with its API – TechCrunch", "url": "https://techcrunch.com/2022/03/10/stilt-secures-114m-in-debt-equity-to-help-fintechs-and-neobanks-launch-credit-offerings-with-its-api/", "date": "Mar 10, 2022" } ], "launches": [] }, { "id": 986, "name": "AlphaFlow", "slug": "alphaflow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9696737d779bc1482d4e992936d055d788610f1a.png", "website": "http://www.alphaflow.com", "all_locations": "San Francisco, CA, USA", "long_description": "Access. Transparency. Technology. Founded in 2015, AlphaFlow is a technology-driven investment manager providing professionally managed portfolios of real estate loans. We make the $75 billion fix-and-flip industry accessible to institutional investors. With the recent launch of our new platform, TITAN, we’ve opened up our institutional platform to smaller investors.\r\n\r\nAs a result of leading with technology and data analytics AlphaFlow is able to provide transparency & speed at a rate our competitors can’t. We partner with non-bank real estate lenders who provide 6-12 month bridge loans on single-family and small multifamily properties by purchasing their loans thereby helping them grow their businesses.\r\n\r\nAlphaFlow uses software to streamline and automate today’s manual workflow and our engineering team is constantly developing simple and elegant solutions to further automate a manually intensive industry.\r\n", "one_liner": "AlphaFlow is a technology-driven investment manager.", "team_size": 26, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1447278615, "tags": [ "Fintech", "Real Estate" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/alphaflow", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/alphaflow.json", "year_founded": 2015, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/alphaflow/", "x_url": "https://twitter.com/AlphaFlow?lang=en", "fb_url": "https://www.facebook.com/alphaflowinc/", "cb_url": "https://www.crunchbase.com/organization/alphaflow", "github_url": "https://github.com/AlphaFlow", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9696737d779bc1482d4e992936d055d788610f1a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 108237, "full_name": "Ray Sturm", "title": "Founder/CEO", "founder_bio": "Serial fintech founder. 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We connect a growing pool of investors who seek uncorrelated investment returns and impact from their capital with a huge and growing need for natural disaster insurance in the developing world. \r\n\r\nWorldCover's platform improves food and income security for smallholder farmers in developing countries. More than 70% of the 2.5 billion people living at the “base of the pyramid” throughout the world rely on agriculture for income and sustenance. Farmers face a number of major risks to their livelihoods which they cannot control. Insurance gives them a sense of security even if they have a bad harvest, allowing them to improve their diets, invest in their farms, and send their children to school.\r\n\r\nIn an increasingly interconnected world, diversified markets are becoming harder and harder to find. 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Truebill can put it back in your wallet. | VentureBeat", "url": "https://venturebeat.com/uncategorized/youre-tossing-hundreds-even-thousands-of-dollars-truebill-can-put-it-back-in-your-wallet/", "date": "Dec 20, 2021" }, { "title": "Rocket Companies to buy personal finance app Truebill for $1.3B", "url": "https://news.yahoo.com/rocket-companies-buy-personal-finance-174109147.html", "date": "Dec 20, 2021" } ], "launches": [] }, { "id": 1013, "name": "LendEDU", "slug": "lendedu", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://lendedu.com", "all_locations": "New York City, NY, USA; Hoboken, NJ, USA", "long_description": "LendEDU was Co-Founded by Nate Matherson and Matt Lenhard in 2014. LendEDU is a personal finance comparison website. Our goal is to create transparency in a number of markets including student lending, unsecured lending, auto lending, banking, credit cards, and some misc. insurance products. LendEDU participated in Y Combinator's W16 program in Mountain View California. \r\n\r\nLendEDU has been featured and mentioned on a variety of websites including The Wall Street Journal, New York Times, Washington Post, CNBC, Bloomberg, USA Today, MSN, Fox News, CBS News, NBC News, Yahoo! Finance, Forbes, Bustle, and roughly 500 other media outlets.\r\n\r\nLendEDU is a graduate of the Iowa Startup Accelerator. LendEDU received seed funding from Built By Iowa, the Iowa Startup Accelerator Fund, and others.\r\n\r\nWe'd love to tell you about LendEDU! Email support@lendedu.com with any questions, comments, or criticism (really!).\r\n\r\nPronounced \"Lend E D U\"​, our website is located at LendEDU.com!", "one_liner": "LendEDU is a marketplace for consumer financial products.", "team_size": 10, "industry": "Education", "subindustry": "Education", "launched_at": 1447311916, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Acquired", "industries": [ "Education" ], "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/lendedu", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/lendedu.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": null, "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/shoptutors", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 83309, "full_name": "Matthew Lenhard", "title": "Founder/CTO", "founder_bio": "Co-Founder / CTO ContainIQ", "is_active": false, "linkedin_url": "https://www.linkedin.com/pub/matthew-lenhard/37/bb0/ba/en", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/88547c2b3a49c36aa7ed2093d89659578bf5c7d1.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1021, "name": "Paystack", "slug": "paystack", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f4d18618abc91ad79be53d918a199daffad6f58.png", "website": "https://www.paystack.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Paystack is a small and vibrant family working across Lagos and San Francisco.\r\n\r\nWe enable businesses to accept payments via credit card, debit card, money transfer, and mobile money, directly from their website or mobile app.", "one_liner": "Modern payments infrastructure for Africa", "team_size": 115, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1447312815, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/paystack", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/paystack.json", "year_founded": null, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/paystack/", "x_url": "https://twitter.com/paystack", "fb_url": "https://www.facebook.com/PaystackHQ", "cb_url": "https://www.crunchbase.com/organization/paystack", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f4d18618abc91ad79be53d918a199daffad6f58.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 46238, "full_name": "Shola Akinlade", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "http://ng.linkedin.com/in/shollsman/en", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/45834902c04c8bcc2d21ac70c86236e7ad0c2cc5.jpg" }, { "user_id": 115840, "full_name": "Ezra Olubi", "title": "Founder/CTO", "founder_bio": "Led the technology function at Paystack from 2015-2025", "is_active": true, "linkedin_url": "https://ng.linkedin.com/in/cfezra", "x_url": "https://x.com/0x", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/98fac9f0963ed3c72c4fa291cdaa88443d2802c1.jpg" } ], "jobs": [], "news": [ { "title": "Nigerian businesses can now accept Apple Pay on Paystack • TechCrunch", "url": "https://techcrunch.com/2021/09/23/nigerian-businesses-can-now-accept-apple-pay-on-paystack/", "date": "Sep 23, 2021" }, { "title": "Paystack CEO Shola Akinlade on his company's journey from Nigeria to Silicon Valley | CNN", "url": "https://www.cnn.com/2021/03/29/africa/paystack-shola-akinlade-nigeria-mpa-spc-intl/index.html", "date": "Mar 29, 2021" }, { "title": "Stripe acquires Nigeria's Paystack for $200M+ to expand into the African continent • TechCrunch", "url": "https://techcrunch.com/2020/10/15/stripe-acquires-nigerias-paystack-for-200m-to-expand-into-the-african-continent/", "date": "Oct 15, 2020" } ], "launches": [] }, { "id": 1042, "name": "Podium", "slug": "podium", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d90bc164db5dd25a81e6dcfa222470eadf2c783a.png", "website": "https://podium.com", "all_locations": "Lehi, UT, USA", "long_description": "Podium is the all-in-one AI-powered lead management and communication platform used by more than 100,000 businesses to acquire and convert new customers. At the forefront of Podium’s innovation is its AI employee, who ensures businesses respond to leads instantly, anytime of the day or night—significantly increasing lead conversion rates and revenue.\r\nPodium helps businesses obtain more reviews, rank higher on Google, and consolidate lead channels. Businesses can call and text customers from the web and/or mobile app, send payment links, drive repeat business through bulk messages, and more—all managed and delivered from one easy-to-use dashboard. Additionally, with Podium’s AI Employee and automations, businesses can efficiently handle customer inquiries seamlessly across all communication channels, providing timely and accurate responses that drive sales.\r\nPodium’s innovative work has gained recognition on top industry lists, such as Forbes’ Next Billion Dollar Startups, Forbes’ Cloud 100, the Inc. 5000, and Fast Company’s World’s Most Innovative Companies.\r\nPodium was founded in 2014 and is headquartered in Lehi, Utah. It is currently backed by Accel, Summit Partners, GV (formerly Google Ventures), and Y Combinator.", "one_liner": "Get more leads. Make more money. ", "team_size": 1000, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1447568415, "tags": [ "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Winter 2016", "status": "Active", "industries": [ "B2B", "Retail" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "I grew up working at my dad’s tire shop, which taught me the ins and outs of operating a small business. Fast forward to college, and I was generating $80K in revenue from running an iPad accessory business on Shopify, a software platform for e-commerce. I started to ask myself why my dorm-room side hustle had access to 10x better technology than my dad’s tire shop, a much more complex operation that did $3.5M in gross revenue. This realization—that no one was building software for brick-and-mortar local businesses—ultimately led Dennis and me to start Podium. Along the way, many investors told us to focus on Enterprise, given the price sensitivity and volatility of the SMB customer segment. While we were tempted to pivot when we got to Y-Combinator, our unwavering belief in small businesses and dedication to helping them grow became the core of Podium’s success. We believe the greatest opportunities for impact are often found in underserved, unglamorous markets that most people overlook." }, { "question": "How did you decide to apply to Y Combinator? What was your experience applying, going through the batch, and fundraising at demo day?", "answer": "When starting Podium, we read every single essay from Paul Graham and used them as the blueprint for building Podium in the early days. It was a dream of ours to get into YC one day. Even though we started the business in 2014, we didn’t apply until the winter 2016 batch because we initially thought that our SMB reviews product wasn’t a big enough idea for YC. We were amazed and excited when we were accepted into the W16 batch. During the batch, we grew from $1M to $3.5M ARR. At one point, we considered pivoting the product in a more trendy direction, but Dalton and Aaron (our group partners) told us that we were insane since we had a product people wanted and were buying like crazy. Staying the course turned out to be excellent advice. Due to our explosive revenue growth, we had a lot of investor interest on demo day. However, we had enough capital so we decided to wait until the end of the year to raise. We ended up raising our Series A in early 2017 at a $100M valuation from investors we had met on demo day. Being a company based outside of the Bay Area, Y Combinator was invaluable to us since it gave us the support and exposure to top-tier investors we needed to continue building Podium into a world-changing company." } ], "url": "https://www.ycombinator.com/companies/podium", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/podium.json", "year_founded": 2014, "city": "Lehi", "country": "US", "linkedin_url": "https://www.linkedin.com/company/podium/", "x_url": "https://twitter.com/podiumhq", "fb_url": "https://www.facebook.com/Podium/", "cb_url": "https://www.crunchbase.com/organization/podium-2", "github_url": "https://github.com/podium", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d90bc164db5dd25a81e6dcfa222470eadf2c783a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/6eb506f3cd61709c0e25b843bfbc10c1f69d8930.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/02599f8c7686dfb1b6590cd633f552f389d9628a.png" ], "primary_partner": null, "founders": [ { "user_id": 95937, "full_name": "Eric Rea", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ericrea", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d37204c689bef3c5ca596ba5ff11c2d5b2de25be.jpg" }, { "user_id": 107530, "full_name": "Dennis Steele", "title": "Founder", "founder_bio": "Co-founder of Podium\n\n1,100 employees\n$400M+ Raised (Accel, IVP, YC Continuity, GV)\n100,000 Businesses on Podium", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/steeledennis", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7a141aaca8aa96bf2d3bd679f3a6a42e8ae7fb79.jpg" } ], "jobs": [ { "id": 88044, "title": "Senior AI Engineer - Utah", "url": "https://www.ycombinator.com/companies/podium/jobs/pp9fqBd-senior-ai-engineer-utah", "location": "Lehi, UT, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $230K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88045, "title": "Staff AI Engineer - Utah", "url": "https://www.ycombinator.com/companies/podium/jobs/l8BTq6f-staff-ai-engineer-utah", "location": "Lehi, UT, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$225K - $260K", "equity_range": "", "experience": "11+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88046, "title": "Staff AI Engineer - USA", "url": "https://www.ycombinator.com/companies/podium/jobs/qgKxAEM-staff-ai-engineer-usa", "location": "Lehi, UT, US / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$190K - $215K", "equity_range": "", "experience": "11+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Podium’s Valuation Doubles to $3 Billion in Latest Fundraising Round", "url": "https://www.bloomberg.com/news/articles/2021-11-15/podium-s-valuation-doubles-to-3-billion-in-latest-fundraising", "date": "Nov 15, 2021" } ], "launches": [] }, { "id": 1050, "name": "Emburse", "slug": "emburse", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a00998d6f52fb43996a86ecea5c77d7d020b9b08.png", "website": "https://www.emburse.com", "all_locations": "San Francisco, CA, USA", "long_description": "Emburse is an expense management platform that gives businesses more insight into and control over corporate expenses. Using Emburse, businesses may order virtual or physical MasterCard-network branded expense cards and assign these cards to employees or contractors for authorization of pre-approved business expenses.", "one_liner": "Expense management and AP automation.", "team_size": null, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1447653915, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/emburse", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/emburse.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/emburse", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a00998d6f52fb43996a86ecea5c77d7d020b9b08.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 26548, "full_name": "Peter Lai", "title": "Founder/CEO", "founder_bio": "- MIT '08 (EECS & Cognitive Science)\n- Crocodoc (W10)\n- Emburse (W16)\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/peterjlai", "x_url": "https://twitter.com/peterjlai", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9492ee49e2566f5e2721054164c4c82d5b3a9174.jpg" }, { "user_id": 153161, "full_name": "Roger Gu", "title": "Founder", "founder_bio": "From fintech to robots", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/guroger/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/257133479a5bdeadeb25e9adaaa5c374fbe9fd67.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1054, "name": "Landed", "slug": "landed", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7ab8fa26571630366add5d76d46ba876b673c7b9.png", "website": "http://www.landed.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Landed helps employers develop programs that increase access to homeownership for their employees. We do this by unlocking the power of shared appreciation to create down payment programs tailored to the needs of each institution, improving recruitment and retention of key talent. Unlike other programs, shared appreciation is mutually beneficial to funders and buyers, creating a self-renewing pool of capital that recycles as homebuyers exit the program.", "one_liner": "White-labeled shared appreciation down payment programs for employers", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1447653916, "tags": [ "Fintech", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/landed", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/landed.json", "year_founded": 2015, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/landed-inc/", "x_url": "https://twitter.com/landedhomes", "fb_url": "https://www.facebook.com/landedinc", "cb_url": "https://www.crunchbase.com/organization/landed", "github_url": "https://github.com/landedhomes", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7ab8fa26571630366add5d76d46ba876b673c7b9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2449ed0f73a015d1b7454aa8deca98a6c0914286.png" ], "primary_partner": null, "founders": [ { "user_id": 106979, "full_name": "Jonathan Asmis", "title": "Founder", "founder_bio": "Jonathan grew up in Toronto, where he started his career as a biomedical engineer making vaccines. Looking for something a little faster paced, Jonathan oriented his work to finding intersections of public good and structured financial products. Jonathan worked on social impact bonds and securitizing energy storage revenues before making his way to Landed. Jonathan is a proud graduate of the University of Toronto and Stanford Business School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jonathanasmis", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d5d1c585a1ec4cb629001d6ce201ea291d48d86c.jpg" }, { "user_id": 107476, "full_name": "Alex Lofton", "title": "Founder", "founder_bio": "The son of a 4th grade teacher and a social worker, Alex Lofton worked on President Obama's field team in '07-'08, managing hundreds of paid staff who organized thousands of volunteers for the then-Senator's successful election campaign. He held leadership positions at numerous social enterprises and technology start-ups, and, he got his start in real estate at developer Forest City. He holds a B.A. from Northwestern and an MBA from Stanford, and he's a proud graduate of WA state public schools.", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/alexlofton", "x_url": "https://twitter.com/alexlofton", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7723cf32e080193a3bea3dac77c81ae4ec5e9dad.jpg" } ], "jobs": [], "news": [ { "title": "Scaling our Impact with Series B Investment", "url": "https://www.landed.com/blog/scaling-our-impact-with-series-b-investment", "date": "Sep 15, 2021" }, { "title": "Chan Zuckerberg Initiative pledges $5M to home down payments for teachers • TechCrunch", "url": "https://techcrunch.com/2017/06/14/zuckerberg-housing/", "date": "Jun 14, 2017" } ], "launches": [] }, { "id": 1103, "name": "Rappi", "slug": "rappi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/44285cf605c3f1d288f2fb7c2f002f859ab92d0b.png", "website": "http://www.rappi.com", "all_locations": "Bogotá, Bogota, Colombia", "long_description": "Rappi is a mega high growth, Series B, consumer tech StartUp looking to be the everything store of Latin America. We are a marketplace that connects users who want to purchase prepared foods, groceries, clothes, and more with contractors who fulfil them. Think of Rappi as a Doordarsh meets Delivery meets Instacart. We are venture backed by top VCs in the world including Sequoia, DST, Andreessen Horrowitz and YCombinator. Management consultant skills are highly valued and one of the founders and three of the company's top leaders are former top tier management consultants. We are across Argentina, Brasil, Mexico, Colombia and are aggressively growing in these markets and all throughout LatAm.", "one_liner": "On-demand delivery and financial services for Latin America.", "team_size": 4800, "industry": "Consumer", "subindustry": "Consumer -> Food and Beverage", "launched_at": 1453256409, "tags": [ "Fintech", "Delivery", "Latin America" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Winter 2016", "status": "Active", "industries": [ "Consumer", "Food and Beverage" ], "regions": [ "Colombia", "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/rappi", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/rappi.json", "year_founded": 2015, "city": "Bogotá", "country": "CO", "linkedin_url": "https://www.linkedin.com/company/rappi/", "x_url": "https://twitter.com/rappicolombia", "fb_url": "https://twitter.com/RappiColombia", "cb_url": "https://www.crunchbase.com/organization/rappi", "github_url": "https://github.com/rappiinc", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/44285cf605c3f1d288f2fb7c2f002f859ab92d0b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 120430, "full_name": "Simon Borrero", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://co.linkedin.com/in/simonborrero", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7ce14cc0ff3ad1d967559b3c6189ffe21202e321.jpg" }, { "user_id": 242420, "full_name": "Sebastian Mejia", "title": "Founder", "founder_bio": "Rappi founder. Rappi is the category leader in e-commerce + delivery across Latin America. Rappi has played an essential role in the transformation of the tech ecosystem in the region. 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We designed our solutions to take the guesswork out of managing benefits. And our innovative features are built to simplify benefits administration and evolve with your business. Managing wellness and wealth takes more than a series of transactions. By combining robust features with unparalleled service, we make benefits administration effortless, even when time and energy are limited. 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Combining corporate cards, expense management, travel, business accounts, and bill pay, Brex makes it easy to control spend before it happens with unprecedented efficiency and accuracy. Our mission is to empower employees anywhere to make better financial decisions, so we designed our platform to make expenses almost effortless with unrivaled automation of manual expense work and real-time tracking. Brex supports more countries and currencies than any other spend solution. Brex has tens of thousands of customers, including some of the most successful, high-growth companies, such as DoorDash, SeatGeek, Coinbase, ScaleAI, MasterClass, Indeed, Allbirds, and Superhuman.\r\n\r\nBrex offers:\r\n- Corporate cards with 10-20x higher limits\r\n- Business accounts with easy wires, same-day liquidity, fast global payments, and $6M in FDIC insurance\r\n- Reward options that include billboards, offsites, and coaching\r\n- Founder-friendly financial modeling tools\r\n- Special events and masterclasses for founders\r\n- Advanced spend management software as startups grow that includes global capabilities, travel, bill pay and more.\r\n\r\n", "one_liner": "Business accounts, corporate cards, and spend management software.", "team_size": 1000, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1481770830, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Henrique Dubugras and Pedro Franceschi founded Brex is 2017, but that’s not when their friendship and entrepreneurial journeys began. In 2012, Henrique and Pedro were both high school seniors living in Brazil (Henrique was in Sao Paulo and Pedro was in Rio de Janeiro). They were both interested in coding and software development, and met on Twitter when they got into a heated exchange about the nuances of coding tools. Twitter’s character limit didn’t allow them to go into too much depth about our respective arguments, so Henrique and Pedro decided to hop on Skype to discuss there instead. They instantly became friends. About a year later in 2013, Henrique and Pedro worked together to launch their first company, [Pagar.me](http://Pagar.me). [Pagar.me](http://Pagar.me) was a startup that allowed Brazilian merchants to accept online payments, similar to what Stripe is now focused on. Three years later, Henrique and Pedro sold [Pagar.me](http://Pagar.me) to Stone, a Brazil-based payments fintech company. This moment led them to the next part of our entrepreneurial journey, where they both decided to come to the U.S. after applying and being accepted into Stanford. Their time at Stanford didn’t last long though —Henrique and Pedro dropped out eight months later after they received funding from Y Combinator to start a VR company. They quickly learned, however, that they didn’t actually know much about the VR world and had a real passion for tech investing.As entrepreneurs themselves, Henrique and Pedro realized how difficult it was for founders to receive enough funding to launch their businesses. They initially wanted to build bank accounts for U.S.-based startups, but pivoted to creating a corporate credit card. Today, Brex has tens of thousands of customers including notable companies like DoorDash, Coinbase, Scale AI, Indeed and more. Today Brex offers a whole range of services like expense management, business accounts, bill pay, financial modeling, travel, and more." }, { "question": "How have you kept in touch with the YC community and continued to use YC resources & programs since the batch ended?", "answer": "Brex has loved the ongoing collaboration with YC, including partnering together to host supper club dinners, founder mixers, happy hours and end of batch parties. Brex has continued to lean into the YC community via a billboard program whereby Brex+YC celebrate graduating classes by promoting their companies on prominent billboard placements. " } ], "url": "https://www.ycombinator.com/companies/brex", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/brex.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/brexhq/", "x_url": "https://twitter.com/brexHQ", "fb_url": "https://www.facebook.com/BrexHQ/", "cb_url": "https://www.crunchbase.com/organization/brex", "github_url": "https://github.com/brexhq", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/72237ca3782563f0b12ffe1fe9869d878c153ab6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1b975086d8d2cde8b4e8b012ce04f5a990c13b17.png" ], "primary_partner": null, "founders": [ { "user_id": 60228, "full_name": "Henrique Dubugras", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://br.linkedin.com/in/henriquedubugras", "x_url": "https://twitter.com/hdubugras", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1e61b2b8be0fc201630620a5df8630e858afa8f9.jpg" }, { "user_id": 172964, "full_name": "Pedro Franceschi", "title": "Founder", "founder_bio": "Founder and CEO at Brex.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pfranceschi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1945b735c5504ac4c7626c2fd41e9063d1fae75a.jpg" } ], "jobs": [], "news": [ { "title": "Capital One Strikes $5.15 Billion Deal for Fintech Brex", "url": "https://www.wsj.com/finance/banking/capital-one-to-buy-fintech-brex-e2dacc67?gaa_at=eafs&gaa_n=AWEtsqfBvjODZhaowoYTNJzxJ5W90mvusvRHo90ICbpmtKpeOQUFffy7ySzAywz8QBA%3D&gaa_ts=69729ee2&gaa_sig=BsWPmpXOUvmTklD0a13cPc6BwkaFbGDgyOtQlVGVzazBlRs0hGTCpqOm2OtlbtIrI96mOnH0qvGO5M3BnKAgmA%3D%3D", "date": "Jan 22, 2026" }, { "title": "Fintech Brex Eyes $500 Million in 2025 Revenue as IPO Mulled - Bloomberg", "url": "https://www.bloomberg.com/news/articles/2025-02-24/fintech-brex-eyes-500-million-in-2025-revenue-as-it-mulls-ipo", "date": "Feb 24, 2025" }, { "title": "Building a startup: The importance of cash management", "url": "https://finance.yahoo.com/video/building-startup-importance-cash-management-225514300.html", "date": "Dec 15, 2023" }, { "title": "Scaling Fast and Compounding Success with Brex Co-Founders & Co-CEOs, Henrique Dubugras and Pedro Franceschi - The Next Great Thing | Podcast on Spotify", "url": "https://open.spotify.com/episode/46a4Psux8GMdfLIYMAROHI?si=9A6iWUPqQQeGM6mZjqVZyQ&utm_source=copy-link&utm_medium=copy-link&_branch_match_id=1189928885100965876&_branch_referrer=H4sIAAAAAAAAA8soKSkottLXLy7IL8lMq9TLyczL1s%2BLTAwzL6zyT3JNAgBO8UyyIAAAAA%3D%3D&nd=1&dlsi=abf5dc220b4947d9", "date": "Oct 25, 2023" }, { "title": "Brex: From Startups to Enterprise Solutions | Entrepreneur", "url": "https://www.entrepreneur.com/growing-a-business/this-12-billion-startup-nearly-imploded-when-the-founders/454714", "date": "Jul 19, 2023" } ], "launches": [] }, { "id": 1573, "name": "Humi", "slug": "humi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/70d437d1c52cbad85538f3753253662f57d59057.png", "website": "http://www.humi.ca", "all_locations": "Toronto, ON, Canada", "long_description": "Humi is building important infrastructure for Canada's economy. Software that helps SMBs employ Canadians. \r\n\r\nPayroll, HR, and Benefits all together in a single simple to use platform.\r\n\r\nServing thousands of Canadian companies, Humi’s clients include innovators such as Ada, Hubdoc, LiveCA, AudioBooks.com, Inkbox, and others. \r\n\r\nwww.Humi.ca", "one_liner": "Payroll, HR, and Health Benefits for Canada's SMB's", "team_size": 141, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1485295224, "tags": [ "Fintech", "Payroll" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Acquired", "industries": [ "B2B", "Human Resources" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/humi", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/humi.json", "year_founded": 2016, "city": "Toronto", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/humi-hr", "x_url": "https://twitter.com/gethumi", "fb_url": "https://www.facebook.com/gethumi/", "cb_url": "https://www.crunchbase.com/organization/humi-hr", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/70d437d1c52cbad85538f3753253662f57d59057.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 174509, "full_name": "Kevin Kliman", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "http://www.linkedin.com/in/kkliman", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/da852ee4f20f91875cb377477b4b6bf7c1376954.jpg" }, { "user_id": 176069, "full_name": "Matt Loszak", "title": "Founder/CTO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/matt-loszak-09531a150", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f1ab6df99a16fa9f2b1271e2b34cc35e60d21919.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1576, "name": "Jerry", "slug": "jerry-inc", "former_names": [ "Jerry", "Jerry", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f9257ab537c34ef4ee8f5d98bf4afb1793755e28.png", "website": "https://jerry.ai/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Your car and your home are your most expensive assets. And for most people, these aren't just purchases, they're the physical embodiment of the life you've worked hard to build. Yet the experience of owning them is stuck in the 90s. Every step of the journey — buying, insuring, maintaining, repairing, selling — is fragmented, complicated, and expensive.\r\n\r\nImagine having a trusted friend in your pocket who takes care of everything: they find you the right car or home at the right price, lock in the best insurance rate without you lifting a finger, remind you before that service appointment turns into an expensive repair or, worse, an accident, and help you sell at the best price when the time is right. That friend is Jerry.\r\n\r\nJerry is building the first AI agent to manage all your physical assets. We started with car insurance in 2019, became one of the top 3 brokers in the U.S., then added driving insights, diagnostics, and a repair marketplace. We've reached 5M+ customers, raised $240M+, and have been profitable since 2024. We're now expanding into home, motorcycle, RV, and beyond.\r\n\r\nWe’re fully remote with offices in Palo Alto, New York, Chicago, and Toronto.", "one_liner": "Jerry is building the AI agent to manage all your physical assets.", "team_size": 225, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1490767310, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "My co-founders, Lina Zhang and Musawir Shah, and I worked together at my previous startup, YourMechanic, a company that provides mobile automotive repair and maintenance services to vehicle owners at their location. Through that experience and our own personal, frustrating experiences with all car ownership hassles, we knew this was a category ripe for disruption. From determining what car to buy, financing a vehicle, finding insurance, licensing, titles, warranties, repairs, parking, and maintenance, we saw very clearly that services for car owners were lagging behind the ease and convenience offered in other industries. We wanted to remove the friction and make the transactions seamless and less expensive. The three of us set out to launch a product that would solve these hassles for car owners. We started with a car insurance compare-and-buy service that quickly gained traction _Since then we have helped more than 3 million customers shop for car insurance. We’ve also expanded our vision from a car insurance shopping site to a car ownership super app. That is because car insurance is just one of the expensive hassles car owners experience. Today, in addition to our car insurance marketplace, our app helps customers with auto refinancing, safe driving and more._" }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Owning a car is the second largest American household expense. And, so many components of car ownership are complicated and outdated, like buying insurance and refinancing an auto loan. It is a big problem because owning a car should make your life easier but in many ways it makes it more complicated. Through my own experience, I learned that owning a car is not the “American dream” I hoped it would be, but rather, it’s expensive, frustrating and time consuming.We decided to build a product that takes the frustration out of car ownership – starting with shopping for and buying insurance – and makes it easy to save. Through our AI-backed insurance marketplace, car owners can automatically shop from more than 55 top U.S. car insurance companies in 45 seconds and complete the transaction in minutes. This approach to revamping the insurance shopping experience worked and it saves Jerry customers, on average, more than $800 per year.We applied this same automated technology to our auto refinancing marketplace, which takes a typical end-to-end process of 19 days down to less than 48 hours. And our goal is to shrink that even further. _Through insurance and refinancing we’ve started solving the small problems that contribute to the massive frustration that is car ownership in the U.S._ " }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "The long term vision is to create a car ownership super app that supports drivers with all their expensive car hassles, saving them both time and money. Today, we do that through our car insurance and auto refinancing marketplaces, and we offer customers rewards for safe driving with our Drive Well, Earn Perks program. But these aren’t the only expenses drivers incur, which means there are many other opportunities for Jerry to support our customers, with things like maintenance, parking, and more._We want to solve all of those issues. When drivers no longer have to worry about car ownership hassles because they know Jerry is doing the work to save them time and money, we will have achieved our goal._" } ], "url": "https://www.ycombinator.com/companies/jerry-inc", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/jerry-inc.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/jerryinc", "x_url": "https://twitter.com/thejerryapp", "fb_url": "https://www.facebook.com/thejerryapp", "cb_url": "https://www.crunchbase.com/organization/jerry-3", "github_url": "https://github.com/getjerry", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f9257ab537c34ef4ee8f5d98bf4afb1793755e28.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/34930044f8a05060a34c40e68d747618203e63a9.png" ], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 5707, "full_name": "Art Agrawal", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/artagrawal", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d05bbcbfec28aecd7655f2eed0f4f0d4dfbdcf2d.jpg" }, { "user_id": 178822, "full_name": "Musawir Shah", "title": "Founder/CTO", "founder_bio": "Hardware/software enthusiast, passionate about building highly usable, highly scalable products. Currently focusing on the art of running an efficient software engineering team, leading with code editor in hand.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/musawirshah", "x_url": "https://twitter.com/musawiralishah", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/43abfca5d95e7459b96f8b335af2d1765f9f16cb.jpg" }, { "user_id": 179634, "full_name": "Lina Zhang", "title": "Founder", "founder_bio": "Co-Founder at Jerry.ai, currently leading legal, people ops, and recruiting. \n\nPrior to Jerry, I scaled operations and supply at YourMechanic (YC W12). Before that, I was a biochemist-turned-attorney specializing in intellectual property and patents at Morrison Foerster. \n\nLifelong student and forever in pursuit of mastery. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lina-zhang-47324721", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/153a8663fcadcfd72a4d5380b6c0f7bb693e37c3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1580, "name": "FAZZ", "slug": "fazz", "former_names": [ "PAYFAZZ" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b71ac4245fd1b313b185f2e767a0c0a96e9b13b9.png", "website": "https://fazzfinancial.com/", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "FAZZ is the leading all-in-one finance platform for businesses in Indonesia and Singapore. We are a b2b neobank with payment acceptance capabilities. The company is the market leader among underbanked segments such as warungs / startups and is building a super-app to serve mid-market and enterprise clients. Core features are: \r\n\r\n* Accept payments (e-wallet, bank transfer, credit card)\r\n* Business Cash Account (earn 4% interest)\r\n* Transfer / Pay (payment API's, corporate card, invoice processing via software)\r\n* Lending (instant settlement, invoice financing)\r\n* Value-add SaaS (inventory management, expense management)\r\n\r\nFAZZ processes more than $6 bn of annualized GTV for companies of all sizes (from warungs to fortune 500s) and has achieved $25 mm of annualized Revenue. \r\n\r\nThe company has raised over $74 mm USD from top tier global investors such as Tiger Global, DST, Y Combinator, B Capital Group, and Insignia Ventures. The founders are ex Amazon, Grab, Quora, and Traveloka.", "one_liner": "All-in-one Finance for Every Southeast Asia Business", "team_size": 500, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1492902064, "tags": [ "Fintech", "Payments", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fazz", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/fazz.json", "year_founded": 2017, "city": "Jakarta", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/fazz-financial-group/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/fazz-financial", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b71ac4245fd1b313b185f2e767a0c0a96e9b13b9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 166315, "full_name": "Hendra Kwik", "title": "Founder/Product Manager", "founder_bio": "Fintech and AI enthusiast.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hendra-kwik-4a291242?trk=hp-identity-name", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4b9a13612e0a61c913a234f118c7cb3a6ca913ea.jpg" }, { "user_id": 166370, "full_name": "Jefriyanto", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://id.linkedin.com/in/jefriyanto", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/53f56b7a88fb4726b2dc09dcc703709b35354b26.jpg" }, { "user_id": 166424, "full_name": "Ricky Winata", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ricky-winata-75735458", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c0a4135734a4d6cefff756300098ac2ccb9aa559.jpg" } ], "jobs": [], "news": [ { "title": "Southeast Asian fintech Fazz raises $100M Series C to serve businesses of all sizes • TechCrunch", "url": "https://techcrunch.com/2022/09/13/southeast-asian-fintech-fazz-raises-100m-series-c-to-serve-businesses-of-all-sizes/amp/", "date": "Sep 13, 2022" }, { "title": "Payfazz invests $30M in Xfers as the two Southeast Asian fintechs form Fazz Financial Group • TechCrunch", "url": "https://techcrunch.com/2021/03/03/payfazz-invests-30m-in-xfers-as-the-two-southeast-asian-fintechs-form-fazz-financial-group/", "date": "Mar 03, 2021" } ], "launches": [] }, { "id": 1584, "name": "Long Term Stock Exchange", "slug": "long-term-stock-exchange", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c4eb3cefb725e1a8d1e43e578f29268446d786af.png", "website": "http://ltse.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "LTSE partners with companies across their lifecycle to help them grow and scale from formation through IPO. The Long-Term Stock Exchange (LTSE) is an SEC-regulated national securities exchange designed to align great companies and long-term investors with the shared goal of value creation. They have assembled a world-class team of experts and advisors with deep expertise in finance, regulation, law, and technology.\r\n\r\nAt every stage, from private investment into the public markets, strategically managing equity and a company's cap table has an outsized impact on long-term success. So in addition to the exchange, LTSE also built LTSE Equity, a full-lifecycle cap table management solution for planning, managing, and collaborating on startup equity.\r\n\r\nEric Ries, an entrepreneur and author of the New York Times bestseller, The Lean Startup, is the founder of the LTSE. Eric is the creator of the Lean Startup methodology, a global movement and management philosophy practiced by companies large and small. 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MIT EECS '12.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gwintrob", "x_url": "https://twitter.com/gwintrob", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/005bfd00f518058450662b4320df5df939963ad2.jpg" } ], "jobs": [], "news": [ { "title": "WTW to buy brokerage firm Newfront in up to $1.3 billion deal | Reuters", "url": "https://www.reuters.com/legal/transactional/willis-towers-watson-buy-brokerage-firm-newfront-13-billion-deal-2025-12-10/", "date": "Dec 10, 2025" }, { "title": "Newfront announces $200 million investment to modernize insurance | Newfront Insurance", "url": "https://www.newfront.com/blog/newfront-announces-200-million-investment", "date": "Apr 12, 2022" }, { "title": "The Future Of Insurance: Fintech 50 2021", "url": "https://www.forbes.com/sites/jasonbisnoff/2021/06/08/the-future-of-insurance-fintech-50-2021/", "date": "Jun 29, 2021" } ], "launches": [] }, { "id": 1657, "name": "Honeydue", "slug": "honeydue", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/99e371e9419459527ac037bfb6531a54c832d71b.png", "website": "https://www.honeydue.com/", "all_locations": "New York City, NY, USA; San Francisco, CA, USA", "long_description": "Honeydue is the best personal finance app for couples. 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Co-founded and managed a software house called Intacto for 10 years, being responsible for clients like the Brazilian Army and Banco do Brasil. In 2010 co-founded a Startup called Qualcanal, responsible for doing social-tv analytics for Brazil. Managed to get Globo as our client and 500 Startups as our investor. Finally, I have been running bxblue as co-founder and CTO since 2016.", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/fabriciobuzeto", "x_url": "https://twitter.com/nukdf", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2ec716f3d25ae7bc117834698643bb0fafc42feb.jpg" }, { "user_id": 184253, "full_name": "Gustavo Gorenstein", "title": "Founder", "founder_bio": "Co-founder of bxblue, a marketplace for payroll loans in Brazil. 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We enable our clients to quickly and easily collect payments directly from their user's bank accounts via paperless NACH Debit.\r\n\r\nLotusPay is perfect for collecting loan repayments, membership fees, subscription and billing, recurring donations, tuition fees - any kind of regular or irregular payment, be it a fixed amount or variable amount.\r\n\r\nLotusPay is backed by Y Combinator.", "one_liner": "Recurring payments solution for businesses in India.", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1493860908, "tags": [ "Fintech", "Payments", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/lotuspay", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/lotuspay.json", "year_founded": 2016, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/lotuspay/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/lotuspay", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9237613d5c6b9ca86e68c4e86a6d63ec1d7337ed.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 190167, "full_name": "Atma Krishna", "title": "Founder/CEO", "founder_bio": "Founder of LotusPay.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/atmakrishna/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aabcf08d26c6c1fa7ac6db36f0acb8df4de4473f.jpg" }, { "user_id": 190996, "full_name": "Dinesh Gadge", "title": "Founder", "founder_bio": ".", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/dineshgadge/", "x_url": "https://x.com/dineshgadge", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8cd4aa9682041dfad92032b59524657cb6717eb7.jpg" }, { "user_id": 190684, "full_name": "Anand Krishna", "title": "Founder", "founder_bio": "3x Founder based in Bangalore, India. 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Feel free to reach out any time if you need US tax/books/compliance help.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/anand-krishna-9b61a4/", "x_url": "https://twitter.com/getak100", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/761b2e5144869848a15001e41e947280394139a7.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1690, "name": "Goodcover", "slug": "goodcover", "former_names": [ "Collective" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ccf4ef1efc72341bb2abddc0f6f7843aa2cafa7.png", "website": "http://www.goodcover.com", "all_locations": "San Francisco, CA, USA", "long_description": "Goodcover provides its Members with Good Renters Insurance for 50% less than legacy companies and an Annual Dividend of the money left over after claims obligations are met.\r\n\r\nGoodcover is a Managing General Agent (MGA) that administers personal insurance on behalf of our Membership, a bit like how USAA does it.\r\n\r\nMember's premiums are pooled and used to pay claims. We take a fixed fee, and the remainder is returned in our Annual Member Dividend.\r\n\r\nWe work with multi-billion dollar capital partners to ensure regulations are followed, adequate claims capital is always available, and we have emergency capacity for catastrophes.\r\n\r\nTechnology allows us to eliminate waste, saving roughly 25% of the cost. We are 100% digital, but not bots - we invest in tech that enables our experts to help Members.\r\n\r\nAs an Invitation Only Membership served by an MGA, **we can give Members Free Insurance** when they invite others, turning our \"Marketing Budget\" into savings for Members. This eliminates Lizards and Sales Agents, saving the other 25%.\r\nWe do not use the standard industry models, instead using a multiperil model to more granularly price risk. This means that for a few of you we are more expensive... but everyone else pays much less than they would otherwise pay.\r\n\r\nOur granular, multiperil model allows us to offer a superior policy over the standard market including:\r\n - coverage for if your place is flooded by a neighbor\r\n - Replacement Cost Coverage (meaning new stuff for your old)\r\n - All Risk coverage for high value items you tell us about - including computers (almost no one does that amazingly)\r\n - added coverage for mold removal\r\n\r\nOur MGA business model allows us to be capital efficient, \"renting\" capacity as we need it.\r\n\r\nAll this adds up to our government approved pricing being 40-60% cheaper on average than that of our competitors. 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Chris is an insurance nerd who’s passionate about making insurance work better and be accessible for all.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/chrislotz/", "x_url": "https://twitter.com/chrisplotz", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a6cc916561ca62e532b267a24e8d95803ef4e298.jpg" }, { "user_id": 5558, "full_name": "Daniel Di Spaltro", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dispaltro", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/19aed4699c35ace00cd220d860ef9f59db30f4f3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1692, "name": "Routable", "slug": "routable", "former_names": [ "Warren" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/91b6076921a7439ff3b490dee3e269710a65a792.png", "website": "https://routable.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Routable’s secure B2B payments platform helps finance teams automate and simplify the payables process from invoice receipt to settlement. With support for your existing workflows and the flexibility to scale transactions from 100 to 100,000+, the platform was purpose-built to handle mass payouts reducing time spent on tedious tasks.", "one_liner": "Simplifying payouts at scale", "team_size": 160, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1495674035, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/routable", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/routable.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/routable/", "x_url": "https://twitter.com/RoutableHQ", "fb_url": "https://www.facebook.com/RoutableHQ/", "cb_url": "https://www.crunchbase.com/organization/routable", "github_url": "https://github.com/routablehq", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/91b6076921a7439ff3b490dee3e269710a65a792.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 37684, "full_name": "Omri Mor", "title": "Founder/CEO", "founder_bio": "Co-founder of Routable.\nI spend most of my time listening to music or hanging out with my wife and two cats.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/omrimor/", "x_url": "https://twitter.com/omri_mor", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d51226cbcdb43057e985e351c59fc1ac0c49bf19.jpg" }, { "user_id": 194159, "full_name": "Tom Harel", "title": "Founder", "founder_bio": "Co-founder at Routable (S17). I love helping founders solve problems and build amazing businesses.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tom-harel-74668864/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7b354ec1cc2a20fb21ec55e70fdd90b50a9f12a5.jpg" } ], "jobs": [], "news": [ { "title": "Altman brothers lead B2B payment startup Routable's $30M Series B • TechCrunch", "url": "https://techcrunch.com/2021/04/15/altman-brothers-lead-b2b-payment-startup-routables-30m-series-b/", "date": "Apr 15, 2021" }, { "title": "Founded in Seattle, fintech startup Routable raises $12M to streamline business payments – GeekWire", "url": "https://www.geekwire.com/2020/founded-seattle-fintech-startup-routable-raises-12m-streamline-business-payments/", "date": "Aug 11, 2020" } ], "launches": [] }, { "id": 1714, "name": "Dharma Labs", "slug": "dharma-labs", "former_names": [ "Dharma Protocol" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0479f1b8e00c94eed03a224baddcff0558ef74df.png", "website": "https://dharma.io", "all_locations": "San Francisco, CA, USA", "long_description": "Dharma is the only Ethereum wallet capable of seamlessly moving money between any US bank account and decentralized exchanges like Uniswap. The net result is a product that looks & feels like Coinbase on steroids — Download an App. Plug in your bank. Invest in the exponentially growing universe of tokens & yield opportunities in DeFi with a tap.", "one_liner": "The easiest way to buy 74k+ crypto tokens with USD", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1497405810, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Acquired", "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/dharma-labs", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/dharma-labs.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/Dharma_HQ", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/dharma-labs", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0479f1b8e00c94eed03a224baddcff0558ef74df.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 199333, "full_name": "Nadav Hollander", "title": "Founder/Project Lead", "founder_bio": "Working on something new. Most recently CTO @ OpenSea. Fmrly Founder & CEO @ Dharma Labs.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nadav-hollander-8268585a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fb3901db427e940dad3e7d5e508d264c82354a36.jpg" } ], "jobs": [], "news": [ { "title": "NFT Marketplace OpenSea Acquires DeFi Wallet Firm Dharma Labs", "url": "https://www.coindesk.com/business/2022/01/18/nft-marketplace-opensea-acquires-defi-wallet-firm-dharma-labs/", "date": "Jan 18, 2022" } ], "launches": [] }, { "id": 1744, "name": "Fondo", "slug": "fondo", "former_names": [ "BloomJoy", "Fondo", "Fondo (was BloomJoy)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f0b5fe4e91dafcccff1f484b17acd3b14006850.png", "website": "https://fondo.com", "all_locations": "San Francisco, CA, USA", "long_description": "Fondo is the easy way for startups to get their bookkeeping done, taxes filed, and cash back from the IRS (average startup gets $21k). We’ll optimize and file your taxes, and you’ll get cash back — up to $500k per year. Need more help? We’ll also do your bookkeeping, so you don’t have to worry about a thing.", "one_liner": "Bookkeeping, tax, & tax credits on autopilot for 2,000+ startups", "team_size": 80, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1580421990, "tags": [ "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/fondo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2018/fondo.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/fondohq/", "x_url": "https://twitter.com/tryfondo", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f0b5fe4e91dafcccff1f484b17acd3b14006850.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": 51966, "full_name": "David J. Phillips", "title": "Founder/CEO", "founder_bio": "CEO at Fondo — accounting on autopilot for 2,000+ startups. Angel investor: Flexport, LiquidDeath, Rippling, 100+.\n\nStarted my career as an accountant at Deloitte, then learned to code. I was previously co-founder & CEO at Hackbright Academy, a 3 month coding school, where we trained 1,000+ software engineers and helped them get jobs at Uber, Google, Lyft, Meta, Disney and others. We bootstrapped to $3.6M per year in revenue were acquired by Capella University (NASDAQ: $CPLA) for $18M.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/davjphillips", "x_url": "http://twitter.com/davj", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/753a29dc73a1835442ef667dca8600a55f568067.jpg" } ], "jobs": [], "news": [ { "title": "FounderJournal | Fondo Announces $7M Oversubscribed Seed Round Led by Money Forward", "url": "https://www.tryfondo.com/blog/fondo-announces-7m-oversubscribed", "date": "Nov 29, 2024" }, { "title": "Fondo wants to mitigate the American accountant shortage with its AI bookkeeping service | TechCrunch", "url": "https://techcrunch.com/2024/11/22/yc-backed-fondo-raises-funding-for-its-ai-powered-bookkeeping-and-taxes-platform/", "date": "Nov 22, 2024" }, { "title": "Startup tax prep firm Fondo raises $3M", "url": "https://www.axios.com/pro/fintech-deals/2023/02/13/fondo-raises-3m", "date": "Feb 13, 2023" } ], "launches": [ { "id": 77031, "title": "Fondo TaxPlan - Get your startup taxes done right", "tagline": "The simplest way to know where, when, and how much corporate tax you owe", "body": "Hi everyone 👋\n\nDavid here, former accountant & current CEO of [@Fondo](https://tryfondo.com/taxplan) (W18). After helping over 1,000 startups with their corporate taxes we are excited to bring you [**TaxPlan**](https://tryfondo.com/taxplan).\n\n![](https://assets-global.website-files.com/61d7d4dc76fa4b4793492a4f/6565864e5e7b3f872f4a87ee_7shots_so.png)\n\nThis is the most common question we get from founders:\n\n**\"Do I Need to File Taxes for My Startup?\"**\n\nYes. Once your startup is incorporated and funded, filing taxes is crucial. Not only does this meet legal obligations and fulfill your fiduciary duty to investors, but it's also essential for leveraging benefits like R&D tax credits. Failing to file on time can mean missing out on up to $500k in tax credits. Corporate tax is **NOT** handled by your payroll system (they handle payroll tax).\n\n[**TaxPlan**](https://tryfondo.com/taxplan) is the simplest way to know **where, when, and how much** your startup owes in corporate taxes -- including your [**Section 174**](https://www.tryfondo.com/blog/section-174) adjustment. Plus, how much in [**R&D Tax Credits**](https://www.tryfondo.com/guides/a-startups-guide-to-tax-credits) you can get back from the IRS (up to $500k).\n\n**It takes <2 minutes to get your FREE TaxPlan — no accounting set up required:**[ **Get your startup’s FREE TaxPlan →**](https://tryfondo.com/taxplan)\n\n### **Here is what you get with TaxPlan:**\n\n### **Corporate Tax Summary**\n\n![](https://bookface.ycombinator.com/media/?type=post&id=77031&key=user_uploads/51966/2e9976a1-e14c-4fd6-8512-49025b0f08b7)\n\n![](https://bookface.ycombinator.com/media/?type=post&id=77031&key=user_uploads/51966/ca8a8fd9-fc42-4cd6-b824-49c4406f098e)\n\n![](https://bookface.ycombinator.com/media/?type=post&id=77031&key=user_uploads/51966/a8a4240c-a5a7-4701-bc4a-ab0c045e6696)\n\n![](https://bookface.ycombinator.com/media/?type=post&id=77031&key=user_uploads/51966/24415557-8b5d-4756-ae3e-6f41776a6e39)\n\n### **Corporate Tax Nexus Summary**\n\n![](https://bookface.ycombinator.com/media/?type=post&id=77031&key=user_uploads/51966/c57f57ba-2c01-4ac1-b697-46eecacd62ff)\n\n### **International Activity Summary**\n\n![](https://bookface.ycombinator.com/media/?type=post&id=77031&key=user_uploads/51966/fc233df6-b4ee-41f7-9201-a96495b8ccf4)\n\n### **Year End Checklist**\n\n![](https://bookface.ycombinator.com/media/?type=post&id=77031&key=user_uploads/51966/861d6005-a477-44e3-be7f-38ad213e8f4e)\n\n### **How Fondo Can Help**\n\n![](https://bookface.ycombinator.com/media/?type=post&id=77031&key=user_uploads/51966/2520bf86-b585-4e71-88d8-4a8fa825a79a)\n\n**It takes <2 mins to get your FREE TaxPlan — no accounting set up required:** [**Get your startup’s FREE TaxPlan →**](https://tryfondo.com/taxplan)\n\n### **3 easy steps**\n\n1. [Create account](https://tryfondo.com/taxplan)\n2. Select “Yes” to TaxPlan (FREE)\n3. Receive TaxPlan via email\n\nThank you and I hope you’ll try us out!\n\nDavid\n\nCEO & Founder @ Fondo (W18)", "url": "https://www.ycombinator.com/launches/K2R-fondo-taxplan-get-your-startup-taxes-done-right", "votes": 27, "created_at": "2023-12-19T20:21:23.352Z" }, { "id": 69495, "title": "✅ Fondo - $1 Delaware Franchise Tax (due in 9 days)", "tagline": "Let Fondo file your Delaware Franchise Tax for $1", "body": "Hi everyone 👋,\n\nDavid here, former accountant and founder/CEO of Fondo. We’ve helped 1,000+ founders file their Delaware Franchise tax since launching in 2020.\n\nWe’d love to handle this for you for **$1**. \n\n# **Problem**\n\nAll Delaware Corporations are legally required to file Delaware Franchise Tax each year (beginning with their year of incorporation)\n\n• Deadline: 3/1/23 (in 9 days)\n\n• Tax Owed: $450+\n\n• Penalties: $200 +1.5%/mo of unpaid balance\n\nWhat often what trips founders up is that Delaware will notify you that you owe $50k+. This is because there are two methods to calculate the total franchise tax owed: the **Authorized Shares Method** and **Assumed Par Value Capital Method**. Delaware gives startups the flexibility to use the method that results in the lessor tax. This gets more complicated once you’ve raised a priced round. Fondo will make sure to file based on the lowest tax method legally possible, generally **Assumed Par Value Capital Method.**\n\n![](https://ph-files.imgix.net/00d7138c-e164-4837-b17a-e57cb37420ef.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&fit=max)\n\n# **Solution**\n\nLet Fondo prepare and file your Delaware Annual Franchise Tax Report for **$1:** [**tryfondo.com/1**](http://tryfondo.com/1)\n\n![](https://ph-files.imgix.net/a3edb57f-b13b-4190-a5bb-566fb85fa437.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&fit=max)\n\n# **🤝 Launch YC Deal**\n\n### Let Fondo prepare and file your Delaware Annual Franchise Tax Report for $1: [tryfondo.com/1](http://tryfondo.com/1)\n\n![](https://ph-files.imgix.net/2af8a957-a517-4816-a101-2ebdc3e11358.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&fit=max)\n\n# **FAQ**\n\nHere is a comprehensive guide that answers all of the most common questions founders have about Delaware Franchise Tax: \n\n**Please note:** there is no additional purchase necessary, we will prepare & file for you for **$1**. You will still owe Delaware $450+, Fondo handles making that payment for you with your payment details.\n\nThank you!\n\nDavid", "url": "https://www.ycombinator.com/launches/I4t-fondo-1-delaware-franchise-tax-due-in-9-days", "votes": 31, "created_at": "2023-02-21T19:28:27.091Z" }, { "id": 65591, "title": "Fondo - 💰 Automatically get cash back from the IRS (average startup gets $21,000)", "tagline": "Automatically get cash back from the IRS (average startup gets $21,000)", "body": "👋 Hi everyone,\n\nDavid here, former accountant & CEO/Founder of [Fondo](https://tryfondo.com/credits) (W18). Last week, President Biden signed the Inflation Reduction Act into law -- which includes doubling the **R&D Credit available per startup to up to $500k per year**. This is great news for startups and we’d love to help you get the maximum money back from the IRS.\n\n### 💰 **Automatically get cash back from the IRS (average startup gets $21,000)**\n\nToday, we are publicly launching [Fondo Tax Credits](https://tryfondo.com/credits) to help startups get cash back from the IRS.\n\n![uploaded image](/media/?type=post&id=65591&key=user_uploads/51966/d7c2588f-c394-4e86-8baf-ae15c253c2ae)\n\nThank you to [@Career Karma](https://www.ycombinator.com/companies/career-karma), [@Explo,](https://www.ycombinator.com/companies/explo) [@PostHog](https://www.ycombinator.com/companies/posthog), [@Tydo](https://www.ycombinator.com/companies/polyops), & [@Bottomless](https://www.ycombinator.com/companies/bottomless) being our first 5 Tax Credit customers.\n\n### **Does my startup qualify?**\n\nMost likely, yes! Startups with less than $5M in gross receipts will generally qualify. Because of the broad definition for qualified activities, startups from almost every industry have claimed R&D tax credits. If you have employees or contractors in the United States who spend any time developing new or improved products, processes, software, algorithms, formulas, or inventions, then you likely qualify for the R&D tax credit. [See if your startup qualifies →](https://tryfondo.com/credits-check)\n\n### **How much does my startup qualify for?**\n\nThe amount of money you can get back is based on your company's R&D expenses (founder/employee/contractor payroll) and can be up to $500k per year. [See how much you can get back with our Tax Credit Calculator →](https://tryfondo.com/credits-check)\n\n![uploaded image](/media/?type=post&id=65591&key=user_uploads/51966/73b455e4-aa8b-4ad6-8b75-ce55a8873d1f)\n\n### **How do I claim the credit?**\n\nFondo handles all of this for you — the credit is claimed by doing an R&D Credit study, filing additional forms with your corporate tax returns, and updating your payroll system. [Get started here →](https://tryfondo.com/credits)\n\n### **⚠️ Upcoming Deadline**\n\nThe deadline to claim this credit for 2021 is 10/17/22 (if you filed an extension), otherwise you can claim the credit for 2022.\n\n### 🤝 **DEAL: 25% OFF Tax Credits**\n\n_Sign up by 8/25/22 to use this deal._ You only pay Fondo if we can help you get money back. Typically, our fees will not exceed 20% of the amount we can help you get back. This deal will cap the amount you pay Fondo at 15%.\n\n[👉 Sign up here →](https://tryfondo.com/credits)\n\n### **What do you get?**\n\nThe benefits of claiming your tax credits with Fondo is that we can handle everything you need to get it done -- end-to-end. Most of our competitors will only do the R&D study and you still need to find someone else to (1) file your tax returns with the attached R&D credit forms, (2) update your payroll system, and (3) do your bookkeeping.\n\n* ✅ Cash back from the IRS (Fondo will complete the R&D Credit Study, prepare Tax Forms, and make required updates to your payroll system)\n* ☑️ Optional Add-on: [TaxPass](https://tryfondo.com/taxpass) - Delaware + Federal/State Corporate Income Taxes Filed (timely filings that you need to claim the credit)\n* ☑️ Optional Add-on: [Bookkeeping](https://tryfondo.com/bookkeeping) (get financial statements that you need to file your tax returns)\n\n### **We’d love to support you!**\n\nThank you!\n\nDavid", "url": "https://www.ycombinator.com/launches/H3v-fondo-automatically-get-cash-back-from-the-irs-average-startup-gets-21-000", "votes": 69, "created_at": "2022-08-24T01:37:51.984Z" } ] }, { "id": 1749, "name": "CoinTracker", "slug": "cointracker", "former_names": [ "Nino Finance", "Inc.", "Nino Finance" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/097c28935ffe6f2c55f615c50f2a9e6af69ae9d4.png", "website": "https://cointracker.com", "all_locations": "San Francisco, CA, USA", "long_description": "[CoinTracker](https://www.cointracker.io) makes cryptocurrency portfolio tracking and tax compliance simple. CoinTracker enables consumers and businesses to seamlessly track their cryptocurrency portfolio, investment performance, taxes, and more. We are a globally distributed team on a mission to enable everyone in the world to use crypto with peace of mind. [Learn more](https://www.notion.so/cointracker/CoinTracker-is-Hiring-7308c712493940a3b6e62257d283dad8) about our mission, culture, and hiring process.", "one_liner": "The gold standard in cryptocurrency portfolio tracking and taxes", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1509591796, "tags": [ "Fintech", "SaaS", "Crypto / Web3", "Consumer" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/cointracker", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2018/cointracker.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/cointracker", "x_url": "https://twitter.com/CoinTracker", "fb_url": "https://www.facebook.com/cointracker", "cb_url": "https://www.crunchbase.com/organization/cointracker", "github_url": "https://github.com/coin-tracker", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/097c28935ffe6f2c55f615c50f2a9e6af69ae9d4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/479bec0df033d2fea23de179e57122947d54d172.png" ], "primary_partner": null, "founders": [ { "user_id": 42566, "full_name": "Jon Lerner", "title": "Founder/CEO", "founder_bio": "Co-founder and CEO at CoinTracker and Nino", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jonlerner", "x_url": "https://x.com/jon_lerner", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d8061625cf88621eed75a922d0b97c29834850b1.jpg" } ], "jobs": [], "news": [ { "title": "CoinTracker raises $100M Series A", "url": "https://www.cointracker.io/blog/cointracker-announces-series-a", "date": "Jan 27, 2022" }, { "title": "CCH Axcess and ProSystem fx Have Crypto Tools", "url": "https://www.accountingweb.com/technology/accounting-software-news/cch-axcess-and-prosystem-fx-have-crypto-tools", "date": "Jun 29, 2021" }, { "title": "CoinTracker Passes 100K Users, Announces Six New Partners", "url": "https://cointelegraph.com/news/cointracker-passes-100k-users-announces-six-new-partners", "date": "Jun 29, 2021" }, { "title": "Cryptocurrency and the IRS: What No One Knew About Taxes", "url": "https://talksat.withgoogle.com/talk/cryptocurrency-and-the-irs-what-no-one-knew-about-taxes", "date": "Jun 29, 2021" }, { "title": "CoinTracker Adds 6 Industry Partnerships for Its Crypto Tax Reporting Tool", "url": "https://www.coindesk.com/cointracker-adds-6-industry-partnerships-for-its-crypto-tax-reporting-tool", "date": "Apr 02, 2020" } ], "launches": [ { "id": 104994, "title": "Nino: a family office for the rest of us", "tagline": "A dedicated CFP and CPA team, backed by AI that connects your taxes, equity, investments, cash, and real estate into one always-current plan.", "body": "Jon here, co-founder and CEO of CoinTracker (W18). Today we're launching **Nino** in beta: a dedicated CFP and CPA team, backed by an AI platform that sees your whole financial picture. The advice that used to require a family office, for the rest of us.\n\n\n\n**The backstory**\n\nIn 2014, I pitched a panel of YC partners on an idea I called Nino: a personal assistant that could actually get things done for you. They passed; Justin Kan told me it was a little too early, and he was right. The detour to make it buildable became CoinTracker, now the market leader in crypto tax with 100k+ paying subscribers. Twelve years later, AI can finally be the agent, and after twelve years inside people's financial data, we know exactly what to build.\n\n**The problem**\n\nMy CPA saw last year's return and my financial advisor didn't touch taxes. Nobody saw my whole picture, and nobody kept a plan current as my life and the tax rules changed. That default costs real money: missed exercise windows on stock options, surprise AMT bills, deductions nobody caught.\n\n**How it works**\n\nEvery account connects in one place: investments, equity comp, cash, real estate, retirement, and crypto via CoinTracker. The AI models your net worth and simulates decisions like exercising ISOs or buying a home against your real numbers. A dedicated CPA and CFP review everything with you and plan year-round, not just in April. The AI does the modeling; licensed humans bring the judgment.\n\nExplore more at \n\n**Who it's for**\n\nFounders and startup employees with ISOs or RSUs, executives, and anyone whose financial picture has outgrown a single professional. Flat fee, no AUM.\n\n**The ask**\n\nWe're onboarding early customers from our waitlist as capacity allows. **Sign up at [usenino.com](http://usenino.com)** — and I'd love your feedback.\n\n**Screenshots**\n\n![uploaded image](/media/?type=post&id=104994&key=user_uploads/42566/fe718e32-cdbc-422d-967d-1c3de0cc7776)\n\n![uploaded image](/media/?type=post&id=104994&key=user_uploads/42566/badc0e57-9f7e-490b-80af-2b59c310bafa)\n\n![uploaded image](/media/?type=post&id=104994&key=user_uploads/42566/f41fa406-3ef8-45a6-b94e-a6e2a8b2b5b7)\n\n![uploaded image](/media/?type=post&id=104994&key=user_uploads/42566/2a354915-549e-4c84-8b1f-c6700cd811a0)\n\n![uploaded image](/media/?type=post&id=104994&key=user_uploads/42566/781d93a8-15a9-4b97-9897-1cec88205669)\n\n", "url": "https://www.ycombinator.com/launches/RJS-nino-a-family-office-for-the-rest-of-us", "votes": 4, "created_at": "2026-07-08T17:24:41.800Z" } ] }, { "id": 1752, "name": "Simetrik", "slug": "simetrik", "former_names": [ "Ropeo", "WeExpenses" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ab2e29daec9e4efba8cc8dc5764edc5ad41ae1ee.png", "website": "https://simetrik.com", "all_locations": "Bogotá, Bogota, Colombia; Remote", "long_description": "No code enterprise SaaS for financial control automation. 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We use **AI for bank account creation,** quick transactions, simplified onboarding and verification processes, and user-friendly management tools.\\\n—\n\n### **The Problem**\n\nStartups and PE/VC funds have to rely on multiple systems, PDF files, and manual processes to raise capital, manage investors, and handle payments. Bank accounts can take weeks if not months to create. These disconnected and inefficient methods are slow, costly, and prone to errors. In addition, the existing tools and technology used in this process were often manual and didn't seamlessly integrate across different systems.\n\n### **Our Solution**\n\nOWNY is a platform that leverages AI tools and the latest technology to facilitate efficient capital management and payment flow. It offers quick transactions, simplified onboarding and verification processes, and user-friendly management tools to address challenges in the startup and private equity sectors. By utilizing AI and standardization, OWNY aims to streamline processes and enhance overall functionality.\n\nAccounts typically get approved on the same day.\n\n![uploaded image](/media/?type=post&id=74815&key=user_uploads/58186/798f7228-205f-4620-b3df-2b54c54643e7)\n\nCompanies can benefit by using OWNY’s ready to use & **free** tools to manage:\n\n* **Raising SAFE capital** - use ready-to-go YC SAFE templates to collect signatures and payments in minutes.\n* **Foreign currency needs** - OWNY enables you to hold balances in USD and 30 other major currencies.\n* **FX payments** - send and receive payments from anywhere in the world. We negotiated very hard to give our users the best FX rates. Let us know if you find a better FX rate and we will match it.\n* **Treasury & Yield** - simply click to transfer your cash to start earning up to **5\\.5% APY** with the US-based systematically important banks. No lockups. **$1 minimum**. **FDIC** **insured** up to $175M.\n* **PE/VC funds** - launch a fund using our free standard templates or bring your own fund documents. Do it yourself for free.\n* **Manage investors** - send updates, run capital calls, and make distributions for any fund type. Free.\n\nWant to give it a shot? Try it here: [**https://www.owny.com/signup**](https://www.owny.com/signup)\n\n### **Who we are**\n\n[Umed Latifov](https://www.linkedin.com/in/lumed/) & [Ola Wiberg](https://www.linkedin.com/in/olawiberg/) have many years of experience in banking and technology. Notably, Ola was co-founder of **Human API**, which was recently acquired for 9+ figures. Umed has spent years in PE/VC investing and was **Central Bank Governor** for a country.\\\n\\\nPlease reach out if you have any questions: [**support+yc@owny.com**](mailto:support+yc@owny.com)", "url": "https://www.ycombinator.com/launches/JSh-owny-ai-centric-capital-and-banking-solutions", "votes": 8, "created_at": "2023-09-12T22:36:11.117Z" } ] }, { "id": 1893, "name": "Modern Treasury", "slug": "modern-treasury", "former_names": [ "Turnkey Treasury" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a530f58c560c991cc2b9487c24cfa90465e961d6.png", "website": "http://www.moderntreasury.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Modern Treasury offers tools that automate the full cycle of money movement—from payment initiation, through approvals, to reconciliation—and are accessible through web application or API.", "one_liner": "Payment operations tools for money movement.", "team_size": 160, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1524539157, "tags": [ "Fintech", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/modern-treasury", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/modern-treasury.json", "year_founded": 2018, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/modern-treasury/", "x_url": "https://twitter.com/moderntreasury", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/modern-treasury", "github_url": "https://github.com/Modern-Treasury", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a530f58c560c991cc2b9487c24cfa90465e961d6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 73889, "full_name": "Matt Marcus", "title": "Founder/CEO", "founder_bio": "Co-Founder & CEO", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/matthew-marcus-bb1b9460/", "x_url": "https://twitter.com/mattgmarcus", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/76e08c83837055a8666340830adc95f3e4b41fd1.jpg" }, { "user_id": 240769, "full_name": "Dimitri Dadiomov", "title": "Founder/CEO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dadiomov/", "x_url": "https://twitter.com/dadiomov", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5db52c08a8acb84738c729bd257ed9d4fc8b2a5e.jpg" }, { "user_id": 1479, "full_name": "Sam Aarons", "title": "Founder/CTO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samaarons", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f95f8e77425d8f45b35e51f9d16ed79a9b9bf41e.jpg" } ], "jobs": [ { "id": 48478, "title": "Software Engineer - Foundations ", "url": "https://www.ycombinator.com/companies/modern-treasury/jobs/aA3Svop-software-engineer-foundations", "location": "San Francisco, CA, US / New York, NY, US / Remote (San Francisco, CA, US; 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Our AI agents and apps help teams improve margins, run leaner operations, and maximize payments.\r\n\r\nWe are working towards an Agentic vision for consumer finance wherein our AI agents automate critical roles, enhance operations, and drive revenue. \r\n\r\nHeadquartered in Mountain View, California, Prodigal's global team combines deep expertise in financial services, AI research, and product innovation, driving efficiency and transformative results across the consumer finance landscape.", "one_liner": "Lending Intelligence Software", "team_size": 99, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1525745154, "tags": [ "Fintech", "SaaS", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/prodigal", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/prodigal.json", "year_founded": 2018, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/prodigaltech", "x_url": "https://twitter.com/prodigaltech", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/prodigal-3824", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e46d97427184f51f49b12df6e51ecf8765104fa0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 78759, "full_name": "Shantanu Gangal", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shantanugangal", "x_url": "https://www.twitter.com/shantanugangal", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4439a77db2c062b6338fc10ddf69b54468cb8ba3.jpg" }, { "user_id": 83869, "full_name": "Sangram Raje", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sangramraje", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1a2fc45ba0161b9fcb7e6f297d72825d5229b387.jpg" } ], "jobs": [ { "id": 102428, "title": "Mid Market Account Executive", "url": "https://www.ycombinator.com/companies/prodigal/jobs/NXREZTw-mid-market-account-executive", "location": "Mountain View, California, United States", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$200K - $280K", "equity_range": "0.01% - 0.15%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 108353, "title": "Finance Manager ", "url": "https://www.ycombinator.com/companies/prodigal/jobs/jq0CTZJ-finance-manager", "location": "Mumbai, Maharashtra, India", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "₹1.5M - ₹2.8M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Prodigal Unveils New Product Suite to Provide Real-Time Insights to Call Centers in Financial Services", "url": "https://www.prnewswire.com/news-releases/prodigal-unveils-new-product-suite-to-provide-real-time-insights-to-call-centers-in-financial-services-301452742.html", "date": "Oct 07, 2022" }, { "title": "Prodigal Launches Real-Time Agent Assistance for Consumer Finance", "url": "https://finance.yahoo.com/news/prodigal-launches-real-time-agent-124600628.html", "date": "Oct 07, 2022" }, { "title": "Consumer Portfolio Services Chooses Prodigal to Advance its FinTech Platform with Backend Servicing and Support in Specialty Financing", "url": "https://www.prnewswire.com/news-releases/consumer-portfolio-services-chooses-prodigal-to-advance-its-fintech-platform-with-backend-servicing-and-support-in-specialty-financing-301624719.html", "date": "Oct 07, 2022" }, { "title": "Finvi, Prodigal Partner on Revenue Recovery | PYMNTS.com", "url": "https://www.pymnts.com/partnerships/2022/finvi-prodigal-partner-conversation-intelligence-revenue-recovery/", "date": "Aug 29, 2022" }, { "title": "[Funding alert] Debt-collection software maker Prodigal raises $12M led by Menlo Ventures", "url": "https://yourstory.com/2021/07/funding-debt-collection-software-maker-prodigal-seriesa-menlo-ventures/amp", "date": "Jul 22, 2021" } ], "launches": [ { "id": 88664, "title": "PIE: Prodigal Intelligence Engine", "tagline": "Intelligence platform for consumer finance AI agents", "body": "[Launch video](https://youtu.be/YIvQ-lQGQCw?si=w3PRVeTR8UKof41J)\\\n\\\nPIE (Prodigal Intelligence Engine) is the data integration and intelligence layer that powers our specialized AI agents for consumer finance.\n\n## The Problem We're Solving\n\nAgentic AI for consumer finance is a core part of our offering. We built AI solutions for the industry long before the AI boom, gaining a deep understanding of its regulations and company-specific challenges. With the rapid evolution of GenAI, we’ve focused on building AI agents tailored for this space.\n\nWe realized that for any vertical AI agent to succeed, companies need a foundational platform that unifies data silos, structures varied data formats, and enables real-time inferencing. That’s why we built PIE.\n\nA specialized platform like PIE is crucial for AI agents in consumer finance because they must:\n\n* Understand business logic across systems, products, customer interactions, and company policies\n* Execute actions based on insights derived from unified data\n* Navigate complex federal, state, and company-specific compliance requirements\n\nConsumer finance lenders and collections companies operate with fragmented tech stacks - CRMs, Lending Management Systems, payment processors, dialers, email and SMS softwares. This results in siloed data, leading to lost insights and limited automation capabilities. Without unified data, AI agents remain one-dimensional and fail to reach their full potential.\n\n## What PIE Does\n\nAt its core, PIE is a robust data integration and intelligence platform that:\n\n* Connects to all of a company’s existing systems\n* Normalizes and structures disparate data formats into a unified schema\n* Enriches internal data with relevant external sources\n* Maintains real-time synchronization across all systems\n* Generates inferences and insights that are directly usable by applications and AI agents\n* Provides a standardized intelligence layer for AI applications\n\n## Why This Matters\n\nThis unified data foundation enables our AI agents (ProAgent, ScoreGenie, and more) to access complete context for every customer interaction. With PIE, an AI agent handling a collections call can simultaneously understand:\n\n* Account delinquency history\n* Previous payment patterns\n* Cross-channel interaction records\n* Demographic information\n* Communication preferences\n* Regulatory requirements\n* Propensity to pay scoring\n* Affinity for settlements, offers, and discounts\n* Channel affinity\n\nThe result: Consumer finance AI agents built on PIE have full situational awareness, enabling personalized interactions that drive results and seamlessly automate complex workflows across systems. \n\n## How It Works\n\nWe've built PIE as a modular system with:\n\n* Flexible connectors for all major systems in collections and consumer finance, leveraging our deep industry expertise to build scalable integrations quickly\n* A scalable data processing pipeline handling millions of records\n* A secure multi-tenant architecture with strict data isolation\n* Real-time bidirectional sync to maintain system integrity\n* Custom inference models for consumer finance and collections-specific insights\n\nPIE connects to all customer systems, standardizes incoming data, analyzes millions of records, and generates actionable insights that help collections specialisits and AI agents to implement novel strategies and maximize payments.\n\n![uploaded image](/media/?type=post&id=88664&key=user_uploads/78759/f6ef8576-fbe7-4519-9108-5b22beac3b64)\n\n", "url": "https://www.ycombinator.com/launches/N44-pie-prodigal-intelligence-engine", "votes": 6, "created_at": "2025-03-16T20:21:51.960Z" } ] }, { "id": 1992, "name": "Fintual", "slug": "fintual", "former_names": [ "Fintual", "Fintual Inc.", "Fintual", "Fintual Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cbf5d38f9bacbb95da30894913569c413307b19d.png", "website": "https://fintual.com", "all_locations": "Santiago, Santiago Metropolitan Region, Chile", "long_description": "We allow people to invest.\r\n\r\nWe manage +USD 2B from 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"Nov 02, 2021" }, { "title": "Kaszek Ventures leads a $15 million round in Chilean asset management startup, Fintual – TechCrunch", "url": "https://techcrunch.com/2021/06/25/kaszek-ventures-leads-a-15-million-round-in-chilean-asset-management-startup-fintual/", "date": "Jun 25, 2021" } ], "launches": [] }, { "id": 2002, "name": "Nova", "slug": "nova-2", "former_names": [ "Abacus Protocol", "Abacus" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a0364689423de527320c7ab191c89691067d7e91.png", "website": "https://novahq.com", "all_locations": "Dallas, TX, USA", "long_description": "Nova centralizes digital subscriptions, data room, and ongoing investor communication in a single investor management platform for private funds.", "one_liner": "Digital subscriptions that delight investors.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1525838958, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": 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(i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Lincoln and I were hallmates freshman year at Brown University. We originally founded Sendwave (YC12) to solve the problem of crazy high fees for sending international money transfers to Africa. I had experienced this problem first hand working on an NGO in Tanzania.As we scaled Sendwave into the largest digital remitter to Africa, we realized there was an even bigger problem moving money domestically within African countries. So, we sold Sendwave and spun out our current business, Wave, to build extremely affordable mobile money for countries in Africa, starting with Senegal." }, { "question": "How did you decide to apply to Y Combinator? 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", "one_liner": "We setup Immigrants with a free US Bank Account, Credit Card, SIM…", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1541475254, "tags": [ "Fintech", "Remittances", "Immigration" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "India", "America / Canada", "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/swadesh", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/swadesh.json", "year_founded": 2019, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/swadesh", "x_url": "https://twitter.com/SwadeshHQ", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3005a6903b8f09f2ec2bc2e3ea7c985baf513b48.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 293782, "full_name": "Prateek Swain", "title": "Founder", "founder_bio": "Building the US Bank for the Indian diaspora at Swadesh. Previously worked at Microsoft, Reactive Robotics, and Westbridge Capital. Started HackIndia (India's largest hackathon) and MakeVenturesPrinceton (Princeton's first student run incubator). Princeton University Computer Science '19. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/prateekswain/", "x_url": "https://twitter.com/prateekswain22", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/414f2aaa819f0786c84eb1e6b5c2b7c26622713a.jpg" } ], "jobs": [ { "id": 41394, "title": "Senior Software Engineer - Fullstack", "url": "https://www.ycombinator.com/companies/swadesh/jobs/mkyn6g4xN-senior-software-engineer-fullstack", "location": "New Delhi, DL, IN / Gurugram, HR, IN", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹25 - ₹40 INR", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [ "Amazon Web Services (AWS)", "Python", "SQL", "Docker" ] }, { "id": 50585, "title": "Senior Software Engineer - Backend", "url": "https://www.ycombinator.com/companies/swadesh/jobs/ZGvah4u-senior-software-engineer-backend", "location": "New Delhi, DL, IN / Gurugram, HR, IN", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$25 - $40", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 61650, "title": "Sales & Marketing Intern", "url": "https://www.ycombinator.com/companies/swadesh/jobs/LleQ6av-sales-marketing-intern", "location": "Remote (IN)", "type": "Internship", "role": "Sales", "role_type": null, "salary_range": "₹15K - ₹18K INR", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Swadesh Raises 2 25 Mn From Khosla Ventures Y Combinator 8VC - BW Disrupt", "url": "https://bwdisrupt.businessworld.in/article/Swadesh-Raises-2-25-Mn-From-Khosla-Ventures-Y-Combinator-8VC-/13-07-2022-436911/", "date": "Jul 13, 2022" }, { "title": "The 11 best startups from Y Combinator’s S19 Demo Day 1 – TechCrunch", "url": "https://techcrunch.com/2019/08/20/the-11-best-startups-from-y-combinators-s19-demo-day-1/", "date": "Jul 08, 2022" }, { "title": "Swadesh, a neobank for Indian expats, opens early access to US bank accounts - Hindustan Times", "url": "https://www.hindustantimes.com/brand-stories/swadesh-a-neobank-for-indian-expats-opens-early-access-to-us-bank-accounts-101654602251623.html", "date": "Jun 07, 2022" } ], "launches": [] }, { "id": 12064, "name": "Deel", "slug": "deel", "former_names": [ "SciDex", "Deel", "D" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b5c8a17f0ab4fa9a72447d94bc3194dc17fce9b.png", "website": "https://www.deel.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Deel is the all-in-one payroll and HR platform for global teams. Built for the way the world works today, Deel combines HRIS, payroll, compliance, benefits, performance, and equipment management into one seamless platform. With AI-powered tools and a fully owned payroll infrastructure, Deel supports every worker type in 120+ countries—helping businesses scale smarter, faster, and more compliantly. Discover how Deel makes global work simple at deel.com.", "one_liner": "The all-in-one HR and payroll platform for global teams", "team_size": 5000, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1541644458, "tags": [ "Fintech", "SaaS", "B2B", "HR Tech", "Payroll" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "The way we work is going global, with businesses hiring people scattered all over the world. But until now, no HR platform has been able to handle everything, for everyone. From different payroll software for every region to multiple HR platforms for their mix of workers, some teams have to use 16 different tools to make it work.Deel's the future of global HR, but it's a platform you can use today. It’s the only platform that works for your team wherever they are, whatever their status. Consolidate international hiring, payroll, and HRIS for contractors, EOR employees and team members hired through your own entities, into one easy-to-use platform.Building a global team is simpler than ever. Hire employees, sponsor visas and run payroll through our Deel-owned entities worldwide. Handle all things global HR in one place with built-in compliant contracts, background checks, equipment, app provisioning and more. Get a one-of-a-kind worldview of data across your global workforce, plus we integrate with any tool so you can customize any workflow and keep data in sync across your tech stack.Deel has everything to run your global team efficiently. It’s one place for everything and everyone, in our all-in-one HR platform built for global teams." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "To help millions of people work for the best companies in the world, no matter their location. Talent is everywhere, but opportunity is not. Finding your dream job shouldn’t be limited by borders. Qualifications, not location, should determine job opportunities." } ], "url": "https://www.ycombinator.com/companies/deel", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2019/deel.json", "year_founded": 2019, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/deel", "x_url": "https://twitter.com/Deel", "fb_url": "https://www.facebook.com/GetDeel/", "cb_url": "https://www.crunchbase.com/organization/deel", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b5c8a17f0ab4fa9a72447d94bc3194dc17fce9b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 292972, "full_name": "Alex Bouaziz", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO @Deel", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexbouaziz/", "x_url": "https://twitter.com/bouazizalex", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/766d1d8510a838c331c7c5c9df9a4ee5402ceab4.jpg" }, { "user_id": 291884, "full_name": "Shuo Wang", "title": "Founder/CRO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shuo-wang-848a8956/", "x_url": "https://twitter.com/copernicussw", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e20e645c0239b91c23c39781f063d6c128ce20b5.jpg" } ], "jobs": [ { "id": 57707, "title": "Account Executive, MidMarket", "url": "https://www.ycombinator.com/companies/deel/jobs/sfNJy4e-account-executive-midmarket", "location": "US / CA / Remote (US; CA)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 57708, "title": "Sales Development Representative (SMB - MM- ENT)", "url": "https://www.ycombinator.com/companies/deel/jobs/lACZX0I-sales-development-representative-smb-mm-ent", "location": "US / CA / Remote (US; CA)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 57709, "title": "SDR Manager (SMB - MM - ENT)", "url": "https://www.ycombinator.com/companies/deel/jobs/uM8n02A-sdr-manager-smb-mm-ent", "location": "Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 57710, "title": "AE, Existing Business (SMB - MM - ENT)", "url": "https://www.ycombinator.com/companies/deel/jobs/nmitdpN-ae-existing-business-smb-mm-ent", "location": "Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 57711, "title": "Account Executive, Enterprise", "url": "https://www.ycombinator.com/companies/deel/jobs/zFhSQQ0-account-executive-enterprise", "location": "US / CA / Remote (US; CA)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Tempo Zones Bring Private Stablecoin Payments to Deel", "url": "https://defiprime.com/tempo-zones-private-stablecoin-payments", "date": "Oct 15, 2026" }, { "title": "A Billion Thank Yous: Deel Celebrates $1bn Run Rate", "url": "https://www.deel.com/blog/deel-celebrates-one-billion-revenue-run-rate/", "date": "Jun 03, 2025" }, { "title": "HR unicorn Deel prepares for IPO as soon as 2026", "url": "https://www.cnbc.com/2025/02/04/hr-unicorn-deel-prepares-for-ipo-as-soon-as-2026.html", "date": "Feb 04, 2025" }, { "title": "How This Chinese Immigrant Became One Of America’s Most Successful Self-Made Women", "url": "https://www.forbes.com/sites/phoebeliu/2024/05/30/how-this-chinese-immigrant-became-one-of-americas-most-successful-self-made-women/?sh=543c450a5afd", "date": "May 30, 2024" }, { "title": "Deel: 2024 CNBC Disruptor 50", "url": "https://www.cnbc.com/2024/05/14/deel-cnbc-disruptor-50.html", "date": "May 14, 2024" } ], "launches": [] }, { "id": 12068, "name": "Cherry", "slug": "cherry", "former_names": [ "Cherrypick" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/be89bfd17dcf97c17f139c86d442a6e6d8a4f25d.png", "website": "http://www.startcherry.com", "all_locations": "San Francisco, CA, USA", "long_description": "Cherry lets employees choose their own workplace perks. With Cherry, employers cover their employees' favorite consumer services (ex: Netflix, Spotify, ClassPass, Lyft), instead of wasting money on perks that no one uses like in-office yoga and ping pong tables. ", "one_liner": "Cherry lets employees choose their own workplace perks.", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1541644492, "tags": [ "Fintech", "Marketplace", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Inactive", "industries": [ "B2B", "Human Resources" ], "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/cherry", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2019/cherry.json", "year_founded": 2018, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/startcherry/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/cherry-107e", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/be89bfd17dcf97c17f139c86d442a6e6d8a4f25d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 259167, "full_name": "Emily OBrien", "title": "Founder", "founder_bio": "CTO Cherry YCW19", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/emilyblaineobrien/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f22832a104f3c1fa71e1cbf560a66e23fe258d11.jpg" }, { "user_id": 291188, "full_name": "Gillian OBrien", "title": "Founder", "founder_bio": "Cherry (w19) let employees choose their own perks. You can see what we were up to at startcherry.com 🍒\n\nAfter shutting the co down, I published articles about the experience and decision here: https://tinyurl.com/yc5amn6e 🧡\n\nThen joined Dover (s19) as Chief of Staff, later Pilot.com as Head of Startup Community and now am a General Manager at Remote. \n\nI invest as a scout at CRV 🚀", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gillian-o-brien-13753610b/", "x_url": "https://twitter.com/gillianxobrien", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/393b3eedca881cf0cc75775d809dd0c3e0bb5991.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 12073, "name": "Fuse", "slug": "fuse", "former_names": [ "Cluttr", "YSplit", "YSplit (was Cluttr)", "YSplit" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c50b6b3d32852a4b7f08b0e113b65fd5a0c29dcf.png", "website": "https://www.letsfuse.com/", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "Fuse provides single API that integrates with multiple bank connection vendors, such as Plaid, MX, Teller, Finicity and Yodlee. Users can easily search for and select their bank via a drop-in component in your app, and then the most reliable bank connection vendor for that bank will be displayed. Fuse also provides a consistent data model for all bank integrations and handles the necessary data transformations and API quirks for you.\r\n\r\nBy using Fuse, companies can improve the reliability of bank connections, reduce disconnections, and support more banks. ", "one_liner": "Unified API for financial data aggregators.", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1541646249, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2019", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fuse", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2019/fuse.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ysplit", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/ysplit", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c50b6b3d32852a4b7f08b0e113b65fd5a0c29dcf.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 282826, "full_name": "Boateng Opoku-Yeboah", "title": "Founder", "founder_bio": "Aerospace engineer building control and verification systems for AI agents.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/byeboah/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/03c1d90878366c571d632cd141453498d89c9c62.jpg" }, { "user_id": 282515, "full_name": "Landon Vago-Hughes", "title": "Founder", "founder_bio": "fintech builder.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/landon-vago-hughes/", "x_url": "https://twitter.com/landon_vh", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/561713baedac833b069f3fce38a35deab6cf2404.jpg" }, { "user_id": 282513, "full_name": "Tunde Alao", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/tundealao/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4f51b3f06bda819618b818f5a2ac7b97343f61e8.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 71221, "title": "Fuse: Maximize coverage & conversions for financial account connections", "tagline": "Combine the best financial aggregators, increase coverage and reduce disconnections - with one unified API.", "body": "We are Tunde, Landon, and Boateng, and we're excited to introduce [Fuse](https://www.letsfuse.com/)!\n\n**TL;DR - If you're searching for better bank connection coverage, improved connection reliability, and higher bank link conversion rates for your business, Fuse makes it easy to integrate multiple financial data aggregators and choose the best one for each institution. **[**Schedule a 30-minute demo**](https://calendly.com/letsfuse/fuse-demo)** to see how we can help you.**\n\n![uploaded image](/media/?type=post&id=71221&key=user_uploads/282513/e3a48d75-09ab-4061-9ad1-3f98bd3e1ae2)\n\n### ❌ The Problem\n\nIf you're building a product that requires customers to link their financial accounts, you might have integrated one financial data aggregator, only to experience the following issues:\n\n1. Customers unable to link unsupported institutions (e.g. credit unions, local or community banks)\n2. Frequent disconnections & API errors\n3. Low conversion rates to customers linking their financial accounts\n\nWe are familiar with this pain as we spent 3 years working on a consumer fintech app that required every customer to link their bank account.\n\n### ✨ The Solution\n\nFuse provides companies access to multiple financial data aggregators through a single integration and automatically selects the most reliable and optimally converting one for each connection. With Fuse, you can:\n\n* Support 10,000 more institutions\n* Reduce disconnections by 15%\n* Increase API success rates by 28%\n\nFuse provides a consistent data model for all bank integrations and handles the necessary data transformations and API quirks for you.\n\n![uploaded image](/media/?type=post&id=71221&key=user_uploads/282513/671c4290-e853-4b74-ab1a-851bc735437c)\n\n### ❤️ Favorite features of our customers\n\n* Fast integration: It takes one engineer just an afternoon to have a fully working integration, compared to months when combining aggregators in-house.\n* We partner with aggregators to help you get no-minimum, affordable contracts, and production API keys quickly.\n* Receive instant integration help and tech support via Slack from Fuse engineers.\n* Vast SDK availability: e.g., React, React Native, Flutter, iOS, Android, Node.js, Ruby, Python, and more.\n\n### ⚡How easy is it to migrate to Fuse?\n\nMigration is seamless due to our consistent data model resembling top aggregators, and our backward compatible endpoints that accept Fuse or aggregator access tokens, simplifying server updates.\n\n![uploaded image](/media/?type=post&id=71221&key=user_uploads/282513/93fa3bc8-8b6c-48e8-8e59-ef703d4c58bd)\n\n### **🫶** Ask\n\n1. [Schedule a 30 minute demo](https://calendly.com/letsfuse/fuse-demo) to see Fuse in action and learn more about how Fuse can improve your financial connections.", "url": "https://www.ycombinator.com/launches/IWj-fuse-maximize-coverage-conversions-for-financial-account-connections", "votes": 13, "created_at": "2023-04-26T20:22:01.911Z" } ] }, { "id": 12074, "name": "Caribou", "slug": "caribou", "former_names": [ "Rebank" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6babda5ff95102983cef278d4efd8b7a1d06c10b.png", "website": "https://usecaribou.com", "all_locations": "Lisbon, Lisbon, Portugal", "long_description": "Going global is now the norm. But the moment you set up an entity in another country, you inherit a tax and legal mess that compounds with every hire and every invoice. \r\n\r\nFor example, one jurisdiction has to be profitable, cash has to move between entities compliantly, and every cross-border decision has to be audit-ready, which today means a different law firm in each country, a tax advisor on top of that, and you coordinating the chaos.\r\n\r\nThe real expertise is locked up inside the Big Four. The world's largest companies pay millions a year for access. Everyone else gets selective coverage and hefty legal bills to half-solve the problem.\r\n\r\nCaribou is the first autonomous tax firm. No lengthy workshops, no months of back-and-fort; connect your finance and HR systems and we graph your business — every entity, process, and employee — into a model we call the Atlas. \r\n\r\nFrom there we check transfer pricing, surface legal risks you didn't know you had, maximise your R&D credits, and monitor for accidental taxes as your shape changes.\r\n\r\nAnd we don't just hand you a report. We speak to your accountants, draft the legal agreements, and implement the fix ourselves. We've turned an \r\neight-week engagement into three hours.\r\n\r\nWhy work with three firms when one does the job?\r\n\r\nWe're already working with fast-growing companies like Butternut Box, OpenFX, Encord, Vertice, Omnea, and Hadrian - we've saved them hundreds of thousands on legal fees and surprise tax bills.", "one_liner": "The autonomous tax firm", "team_size": 10, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1541646249, "tags": [ "Fintech", "SaaS", "B2B", "LegalTech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2019", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Portugal", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "From international banking, to international taxes.\\\r\n\\\r\nCaribou was formerly rebank (W19). rebank was the first open banking product for global businesses. We integrated banks across Europe & the US, allowed you to send money globally, and monitor your financial metrics from one dashboard.\r\n\r\n\\\r\nBuilding rebank taught us that companies were going global earlier, and law/accounting firms couldn’t keep up with their cross-border needs. That insight led us to pivot to Caribou in 2024." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "The way startups scale has gone global. Even the smallest teams now operate across borders—with a Delaware C-Corp, a UK subsidiary, and contractors in three countries. But the tax system hasn’t kept up. Every multinational, no matter how small, is legally required to follow _transfer pricing_ rules—complex regulations designed for giants like Google and Apple.\r\n\r\nThat means founders suddenly have to deal with one of the most complicated areas of tax, law, and accounting: proving that the way their entities share profits, people, and IP is fair and compliant. Getting it wrong can cost them everything—from lost R&D credits and double taxation to failed funding rounds and audits they can’t afford.\r\n\r\nUntil now, there’s been no solution for this. Big Four firms charge six figures for what early-stage startups need to do, while accountants and lawyers are guessing—or skipping it entirely. We saw founders “flying blind” and leaving huge amounts of cash on the table, not because they didn’t care, but because the system wasn’t built for them.\r\n\r\nCaribou changes that. We automate the hardest parts of transfer pricing by collecting and structuring messy business context with AI. What used to take consultants months now takes minutes, and with greater accuracy.\r\n\r\nWe’re solving this because global ambitions shouldn’t be punished by complexity. Caribou makes international tax compliance simple, affordable, and scalable—so ambitious startups can grow like multinationals, without the pain of becoming one." }, { "question": "What is your long-term vision? 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", "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": 12119, "name": "Alpaca", "slug": "alpaca", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/52a69dab52f99ab972ab44d22d038a190f461ac4.png", "website": "https://alpaca.markets/", "all_locations": "San Francisco, CA, USA; San Mateo, CA, USA; Remote", "long_description": "Alpaca is an API infrastructure and licensed financial services company that allows developers and businesses to offer stock and crypto investing to their end-customers. 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Mountain View, CA, USA", "long_description": "Safely Finance (YCS19) is a pay-over-time solution for moving and renting. We remove price as a barrier to leasing for renters. We increase NOI and decrease bad debt for properties. Safely Finance embeds directly in moving and renting experiences with easy-to-integrate options via widget, API, or property management solution.", "one_liner": "BNPL for moving and renting.", "team_size": 2, "industry": "Consumer", "subindustry": "Consumer -> Home and Personal", "launched_at": 1551904512, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Inactive", "industries": [ "Consumer", "Home and Personal" ], "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/safely-finance", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/safely-finance.json", "year_founded": 2019, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/safelyfinance/", "x_url": "https://twitter.com/safelyfinance", "fb_url": "https://www.facebook.com/safelyfinance/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ce8ee3f8818df3382f91d3c2a38b36a4453c7421.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 33970, "full_name": "Jason Corwin", "title": "Founder", "founder_bio": "Co-founder and CEO @ Safely Finance (YC S19). TellFi (YC W11). Father, husband. Virginia Tech alum. Former volunteer firefighter. I've consulted for Apple, MLBAM (Advanced Media), Beats Audio and others in the past.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jsoncorwin/", "x_url": "https://twitter.com/jsoncorwin/", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/45fcb9cdeeec6f959235ce547622484c3bd16e7e.jpg" }, { "user_id": 322229, "full_name": "Roland Mansilla", "title": "Founder", "founder_bio": "I co-founded Safely Finance (S19). More recently, I built a stablecoin product (82M users, 64 countries) and also helped launch a credit platform originating $120M+ in <12 months.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rolandmansilla", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/70c8a084c34d6c0f740b63b6c31f17ebb57512f0.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 12504, "name": "Vouch", "slug": "vouch", "former_names": [ "Vouch (SV Instech", "Inc. = legal name)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3d1d486d4edef6bd293253ef438f3cf9c1880507.png", "website": "http://vouch.us", "all_locations": "Chicago, IL, USA; San Francisco, CA, USA", "long_description": "Insurance... sounds slow, old-fashioned, and unexciting. Exactly. Insurance is broken, and it's failing fast-moving, innovative startups.\r\n\r\nVouch is a new, technology-first insurance company backed with $185M in funding from world-class investors. Like Stripe for payments or Brex for credit cards, Vouch is creating the go-to business insurance for high-growth companies.\r\n\r\nWe're doing this by making insurance fast, responsive, and focused on our high-growth and innovative customers. Instead of printed PDF applications and week-long waits, Vouch is building new technology to solve real problems, writing policies that actually cover relevant startup scenarios, and designing simple experiences in an otherwise frustrating industry.", "one_liner": "Insurance and risk management tools for startups and growth-stage…", "team_size": 190, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1553635905, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/vouch", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/vouch.json", "year_founded": 2018, "city": "Chicago", "country": "US", "linkedin_url": "https://www.linkedin.com/company/20358430/", "x_url": "https://twitter.com/vouch_group", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3d1d486d4edef6bd293253ef438f3cf9c1880507.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/45/1566334665147-wikg3jqx48-43db43432b5134b893a40c7759ed463d/c1ae54da56ce5229dcca643e40229e43.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022643Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=9973c39908539c8623878268ab78982924f48ce20242f444cd05ab679bcfd525", "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 325701, "full_name": "Sam Hodges", "title": "Founder/CEO", "founder_bio": "Co-founder and Executive Chairman of Vouch, better business insurance for technology start-ups. Previously co-founder and MD of Funding Circle US (IPO in 2018, FCH.L), and various operating and investing roles focused on financial and insurance technology and B2B software. Live/work in SF.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samhodges/", "x_url": "https://twitter.com/HodgesSam", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1e20ef209d3b00030494c225e3d8ba113609e501.jpg" } ], "jobs": [ { "id": 105573, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/vouch/jobs/GUQDZKg-senior-software-engineer", "location": "Chicago, IL, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$180K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "LLMs", "AI Agents", "LangChain" ] }, { "id": 105575, "title": "Principal Engineer", "url": "https://www.ycombinator.com/companies/vouch/jobs/cNtiNc8-principal-engineer", "location": "Chicago, IL, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$245K - $285K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Rust", "TypeScript", "AI Agents" ] }, { "id": 105590, "title": "AI Engineer", "url": "https://www.ycombinator.com/companies/vouch/jobs/hjzZN6P-ai-engineer", "location": "Chicago, IL, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$180K - $220K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "LLMs", "AI Agents" ] }, { "id": 105591, "title": "Senior Product Manager, AI Pod", "url": "https://www.ycombinator.com/companies/vouch/jobs/dkBidyx-senior-product-manager-ai-pod", "location": "Chicago, IL, US", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$170K - $210K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Business insurance start-up Vouch lands $25m Series C-1 funding", "url": "https://www.lifeinsuranceinternational.com/news/vouch-series-c-1-funding", "date": "Mar 12, 2024" }, { "title": "Startup insurance provider Vouch raises $90M, now valued at $550M – TechCrunch", "url": "https://techcrunch.com/2021/09/10/vouch-business-insurance-provider-to-startups-raises-90m-and-is-now-valued-at-550m/", "date": "Sep 10, 2021" } ], "launches": [] }, { "id": 12533, "name": "Lofty", "slug": "lofty", "former_names": [ "Lofty AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/62a04ef2b7d6dce455bc9febecc0ebda46301613.png", "website": "https://www.lofty.ai/", "all_locations": "Los Angeles, CA, USA; Miami, FL, USA; Remote", "long_description": "Lofty is a marketplace that let's anyone sell a house to investors online. Instead of the typical real estate transaction where one seller sells to one buyer, Lofty is much more flexible.\r\n\r\nSellers fractionalize their equity ownership in the property into smaller units, so that anyone can buy a portion for as little as $50, allowing access to one of the best asset classes for people who have previously been locked out. Sellers can also sell a portion of their equity (starting at just 10%) instead of the entire property or create customized HELOC structures.\r\n\r\nInvestors can browse a variety of individual real estate properties ranging from commercial strip malls, a HELOC in someone's house, Airbnbs, to a single-family rental properties, and directly purchase ownership in these properties in under 5 minutes. There is no lockup period. Users can constantly trade these ownerships with others on the marketplace.\r\n\r\nInvestors truly legally own the properties they invested in and co-manage it with other investors through an online governance program. Owners have so far voted on how to handle various repairs, delinquent tenants, the sale of the underlying property, and much more.\r\n\r\nLofty never custodies or handles user funds or assets. Through smart-contracts on the blockchain, all transactions are directly peer-to-peer.\r\n\r\nIf we succeed, we'll have built the NASDAQ for real estate and transformed how real estate is bought and sold in the USA.", "one_liner": "Building the NASDAQ for Real Estate.", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1555991344, "tags": [ "Fintech", "Crypto / Web3", "Real Estate", "Investing" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/lofty", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/lofty.json", "year_founded": 2018, "city": "Los Angeles", "country": "US", "linkedin_url": "https://www.linkedin.com/company/loftyai/", "x_url": "https://twitter.com/lofty_ai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/62a04ef2b7d6dce455bc9febecc0ebda46301613.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 283636, "full_name": "Max Ball", "title": "Founder", "founder_bio": "Co-Founder at Lofty (YC S19)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/maxball/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e1f40dd977e17b391b07fa44313d7ce3ec5d73c7.jpg" }, { "user_id": 280486, "full_name": "Jerry Chu", "title": "Founder", "founder_bio": "USC alum, former Barclays Risk Management Analyst, and self-taught full-stack developer. I'm currently the CEO.\n\nYC Badge: 0xbc2e7da603f3dec73f658971c045c3023fb8975a", "is_active": true, "linkedin_url": null, "x_url": "https://twitter.com/PMDBT", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c34a047249effd3e296a1f47fe96df7ae4c0e370.jpg" } ], "jobs": [], "news": [ { "title": "Bitcoin drops 8% in a week as volatility spikes to near one-year high: CNBC Crypto World - YouTube", "url": "https://youtu.be/jankz8epmaE?si=Zw3E4LI7-FTwO6bZ&t=151", "date": "Mar 22, 2024" }, { "title": "Arrived, Lofty AI, Landa: Is fractional real estate a good investment? - Vox", "url": "https://www.vox.com/money/23620847/fractional-real-estate-investing-trend", "date": "Mar 03, 2023" }, { "title": "11 Startups That Help Almost Anyone Make Money in Real Estate", "url": "https://www.businessinsider.com/real-estate-investing-fractional-ownership-second-home-landlord-investment-property-2022-6", "date": "Dec 29, 2022" }, { "title": "Startup Aims to Help You Invest in Real Estate – NBC Bay Area", "url": "https://www.nbcbayarea.com/news/local/startups-lofty-real-estate/2973195/", "date": "Aug 25, 2022" }, { "title": "Have $50? With this startup, you can become a real estate investor", "url": "https://www.bizjournals.com/southflorida/inno/stories/news/2022/08/11/investing-with-lofty-ai.html", "date": "Aug 11, 2022" } ], "launches": [ { "id": 81777, "title": "Lofty - The NASDAQ for real estate", "tagline": "A marketplace to buy and sell investment properties with instant liquidity.", "body": "## What is Lofty?\n\n![uploaded image](/media/?type=post&id=81777&key=user_uploads/280486/b30729a4-1034-48ea-9ecc-0960d7862b2f)\n\n[Lofty](https://www.lofty.ai) is a real estate marketplace, where people can buy and sell fractional ownership in real estate properties in seconds for as low as $50.\n\nAnyone can come to list a property on Lofty for sale. We convert the equity of the property into tradable tokens on the blockchain through a process called \"tokenization\". They can then list as much or as little of it as they want for sale on the marketplace.\n\nThere are thousands of investors from around the world using Lofty to invest and build their own real estate portfolios. Many of them have also listed and sold partial ownership in properties they already owned (including their primary residences).\n\nWe’re the only platform that lets you buy AND sell fractional ownership with no restrictions or lock-up periods.\n\nNow, we’re launching a new feature that allows you to instantly buy and sell ownership in properties without the requirement of a traditional counterparty.\n\nFor the first time in the world, you can now buy and sell equity in a house (grants you legal ownership + management control) with the same experience as trading a share of AAPL on Robinhood.\n\n![uploaded image](https://bookface.ycombinator.com/media/?type=post&id=81777&key=user_uploads/280486/f0e480b1-5df8-40d0-948d-4dbc35c9ebe0)\n\n## How does ownership work?\n\nEvery property’s deed is legally held by a unique WY DAO LLC. Unlike a traditional LLC that has a centralized managing member/partner, these LLCs are algorithmically managed through smart-contracts on the blockchain.\n\nEvery member has equal power and voting rights based on how much of the LLC they own. So, by owning 10% of a DAO, you legally own 10% of the underlying property. The tokens/shares are legal representations of ownership in the LLC; whoever owns tokens of the LLC, also owns the LLC, which means they also own the property.\n\nCo-ownership of properties is very common in the US and is no different than if you co-owned a house with family members or close friends. But instead of informally discussing how to manage things over the phone or in meetings, the management process is formalized through the “governance program”, where members vote on all management decisions. One token equals one vote and a super majority of 60% is required for any decisions to pass.\n\n**We don’t manage your properties nor do we sell properties to you. Instead, you’re directly buying from and selling to other people on the platform. Your funds never touch our accounts** and you settle directly with each other using the blockchain through smart contracts. We don’t take a cut of your earnings or charge you management fees. Instead, we make a 6% transaction fee for every transaction on the platform. It’s split, so that the seller pays 3% and the buyer pays 3%.\n\n* Now anyone can invest and actually legally own real estate for as little as $50.\n* Anyone from around the world can participate; **you don’t have to be an accredited investor.**\n* Our smallest users have invested $50 while our largest user has invested over $2,000,000.\n* **No crypto understanding or experience needed, you can pay with credit cards or ACH transfers.**\n\n# **To sign up, just create an account on **[**Lofty**](https://www.lofty.ai)**.**\n\n## Examples of properties\n\n**We have tokenized over 170 properties to date.** You can find almost any type of property on Lofty and we’re adding1 new property per week.\n\n![uploaded image](/media/?type=post&id=81777&key=user_uploads/280486/4352a64e-d17d-4547-b8b7-0c78afc91432)\n\n* [A single-family house in Texas](https://www.lofty.ai/property_deal/1821-Donetto-Dr_Leander-TX-78641) being used as a standard long-term rental.\n* [A single-family house in FL](https://www.lofty.ai/property_deal/122-Florida-Park-Dr_Palm-Coast-FL-32137) where the tenant has an option to rent-to-own and purchase the property from owners.\n* [Cool ranch in CA](https://www.lofty.ai/property_deal/33008-Joshua-Ave_Acton-CA-93510), where the owner is basically doing a HELOC through Lofty.\n\n ![uploaded image](https://bookface.ycombinator.com/media/?type=post&id=81777&key=user_uploads/280486/098a28ee-51eb-49cf-af21-0f5973c77c09)\n\n* [Vacation rental cabin in CO](https://www.lofty.ai/property_deal/902-Karlann-Dr_Black-Hawk-CO-80422), short-term rental through Airbnb.\n\n ![uploaded image](/media/?type=post&id=81777&key=user_uploads/280486/ac44e1f5-6dce-41de-9975-8bf811fe441f)\n\n* [Parcel of Land in NY](https://www.lofty.ai/property_deal/6117-Hyde-Flats-Road-21_Black-Creek-NY-14714), where you can determine with your fellow co-owners to add more value by leasing out parts of it to solar companies and a local farmer.\n* [Historic four-plex in upstate NY](https://www.lofty.ai/property_deal/88-Madison-Ave_Albany-NY-12202), all short-term rental units.\n\n![uploaded image](/media/?type=post&id=81777&key=user_uploads/280486/566c24c9-c8c7-4200-9329-d09df468ea57)\n\n## Instant liquidity + lending\n\n![uploaded image](/media/?type=post&id=81777&key=user_uploads/280486/67ce02ec-1476-4847-bf37-93d2621da70e)\n\nWe’re proud to introduce our [newest feature](https://amm.lofty.ai), the automated-market-maker and liquidity pools! You can read more in-depth about how this all works in our [learning center](https://learn.lofty.ai/en/collections/7492346-proactive-market-maker-pmm-liquidity-pools).\n\nWe took some concepts from decentralized exchanges (dexes) in the web3 world and adapted them to better fit a real world asset like a house.\n\n**The algorithm borrows liquidity from people on the internet. It uses this borrowed liquidity to trade with Lofty users, which allows you to buy and sell ownership instantly without needing a traditional counterparty.**\n\nThe result is for the first time in the world, you can now directly buy and sell legal ownership in a specific property with the same speed and user experience as buying AAPL or TSLA on Robinhood.\n\nOn the other side, you can also now lend out your real estate ownership and/or money for yield. This is especially beneficial for lending out your real estate ownership, because you can continue to collect rental income from the property and vote on governance decisions, while also getting yield from lending.\n\n**You can view our lending platform **[**here**](https://amm.lofty.ai)** and if you don’t have USDC (a stable coin) to lend out, no worries. We have our own on-ramps at Lofty and honor 1:1 exchange rates between USD and USDC. You can also directly convert USD to USDC on Coinbase, then send it to your Lofty account.**\n\nThis feature is completely opt-in. Some of our users only invest in real estate, some only lend out funds, while others interact with both.\n\n## **Referral Credit**\n\nIf you refer a seller to our marketplace and they end up listing a property for sale, you'll receive a $1,000 cash referral bonus.\n\nAdditionally, if you refer anyone who spends $250 within the first month on the platform, you’ll both receive a $50 gift certificate to use on any property on the marketplace.\n\nFor any questions, feel free to reach out to us at [info@lofty.ai](mailto:info@lofty.ai) and follow along our journey to overhaul the real estate market on [X/Twitter](https://x.com/lofty_ai).", "url": "https://www.ycombinator.com/launches/LGz-lofty-the-nasdaq-for-real-estate", "votes": 823, "created_at": "2024-06-26T21:02:10.188Z" } ] }, { "id": 12545, "name": "Method Financial", "slug": "method-financial", "former_names": [ "Forward", "GradJoy" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8fe82c6fb65a41c32500091074e518f40adc2538.png", "website": "https://methodfi.com", "all_locations": "Austin, TX, USA", "long_description": "Method provides connectivity to consumer credit and liability accounts, enabling end-to-end refinance experiences, real-time account data access, and one-click checkout.", "one_liner": "Financial connectivity API for consumer liabilities", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1556075147, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/method-financial", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/method-financial.json", "year_founded": 2021, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/methodfi", "x_url": "https://twitter.com/MethodFinancial", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/method-financial", "github_url": "https://github.com/MethodFi", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8fe82c6fb65a41c32500091074e518f40adc2538.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 180705, "full_name": "Jose Bethancourt", "title": "Founder", "founder_bio": "Co-Founder & CEO @ Method. 2x Founder (1 exit!). Previously at Foreflight and Clover. Studied Computer Science and Business at UT Austin.", "is_active": true, "linkedin_url": "https://linkedin.com/in/josebethancourt", "x_url": "https://twitter.com/josebet1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ea1e12698689d91ca4b2a99a131508fab805281b.jpg" }, { "user_id": 250038, "full_name": "Jesus Marco del Carmen", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jmdelcarmen/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6598509f3c73a03abc53053b2a38f579285da70.jpg" } ], "jobs": [ { "id": 70984, "title": "Former Founder ", "url": "https://www.ycombinator.com/companies/method-financial/jobs/VMgBkYB-former-founder", "location": "Austin, TX / San Francisco, CA / New York, NY", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$1 - $200K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106473, "title": "Design Engineer ", "url": "https://www.ycombinator.com/companies/method-financial/jobs/yoAdoQ4-design-engineer", "location": "New York, NY / Austin, TX", "type": "Full-time", "role": "Design", "role_type": "Web design", "salary_range": "$150K - 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We raised $42M+ from Sequioa, GC, DST, GreenOaks, Elevation etc\nLast year on becoming profitable, I stepped down from day to day operations.\nOnto my next adventure.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kushtaneja", "x_url": "https://x.com/kushxtaneja", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fc224d2fb29a7442003d90379fb76b7563e0f103.jpg" } ], "jobs": [ { "id": 42151, "title": "[India] FamPay- Site Reliability Engineer", "url": "https://www.ycombinator.com/companies/fampay/jobs/N4ojybAAB-india-fampay-site-reliability-engineer", "location": "Bangalore / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Django", "Python", "Linux" ] } ], "news": [ { "title": "FamPay, a fintech aimed at teens in India, raises $38 million – TechCrunch", "url": "https://techcrunch.com/2021/06/15/fampay-a-fintech-aimed-at-teens-in-india-raises-38-million/", "date": "Jun 15, 2021" } ], "launches": [] }, { "id": 12829, "name": "Gotrade", "slug": "gotrade", "former_names": [ "TR8", "TradeID (formerly TR8)", "TradeID", "TradeID (formerly TR8)", "TradeID" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f8e0b3bb137ba53419f4f43e1fa9fcba88163662.png", "website": "https://www.heygotrade.com/", "all_locations": "Singapore, Singapore", "long_description": "Gotrade empowers Southeast Asians to invest and trade in US Stocks, Options and ETFs. 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power.\r\n\r\nFlux provides an instant-issuing and payment acceptance solution for consumer credit products, and a payment terminal for alternative credit (non-card) for retailers.", "one_liner": "Flux is building the payment network for alternative payments in…", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1559183041, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/flux", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/flux.json", "year_founded": 2018, "city": "Mexico City", "country": "MX", "linkedin_url": 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Get accurate financial statements and automate accounting tasks across any wallets. Say goodbye to crypto hassles and focus on growing your business.", "one_liner": "Accounting & Treasury Management Software for Web3 Teams ", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1559183057, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2019", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "France", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/multis", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2019/multis.json", "year_founded": 2019, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/multishq/", "x_url": "https://twitter.com/multisHQ", "fb_url": null, "cb_url": null, "github_url": "https://github.com/multis", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/35cfa6626f4db01284f3e93a3bf939e0f4d37f37.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 326849, "full_name": "Thibaut Sahaghian", "title": "Founder/CEO", "founder_bio": "14 years at the intersection of finance, product, and technology — as an investment banker, a founder, and an operator.\n \nI built and sold a US-regulated fintech backed by Y Combinator and Sequoia. At Safe, our acquirer, I partnered with the founding tea to reshape company strategy, built and led a 30-person high-performing team, and took their core business from 0 to $6M ARR.\n \nToday I help founders and executives build better products and unlock the real potential of AI in their organizations.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/tsahaghian/", "x_url": "https://twitter.com/fujisaha", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b51b6be121e60391540d057668cde5a5461effdf.jpg" }, { "user_id": 38768, "full_name": "Theophile Villard", "title": "Founder", "founder_bio": "minimalist nomad", "is_active": false, "linkedin_url": null, "x_url": "https://twitter.com/teawaterwire", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dcd9cde4efab069072900d54f7c93369e91d5350.jpg" } ], "jobs": [], "news": [ { "title": "Multis wants to build the financial backbone of crypto-native organizations – TechCrunch", "url": "https://techcrunch.com/2022/02/17/multis-wants-to-build-the-financial-backbone-of-crypto-native-organizations/", "date": "Feb 17, 2022" } ], "launches": [ { "id": 67131, "title": "💳 Multis USD - Checking Accounts & Corporate Cards for web3 startups", "tagline": "Set your account up within minutes and start spending today", "body": "**TL;DR**: you can now use Multis as a banking account to manage both crypto and USD from a single app. It’s designed for your web3 startup, gives you free unlimited corporate cards, ACH & wire transfers, and allows you to buy/sell crypto in seconds. We approve new accounts within a day! \n\nHey guys, I'm Tee from Multis. We're on a mission to provide corporate cards & spending management tools designed specifically for web3 teams. Meet the team!\n\n![uploaded image](/media/?type=post&id=67131&key=user_uploads/326849/60c6b8b3-2684-4a01-81e0-0f3228837318)\n\n### **❌ The Problem(s)**\n\n1. Web3 teams have a significant part of their assets in tokens sitting in treasury, but still have business expenses such as travel bills or web hosting that require USD.\n2. Opening up an account on trading apps such as Binance or FTX takes months. Banks don't want to work with web3 startups, leading to funding freezes or never-ending compliance checks.\n3. Many founders end up paying expenses or converting crypto from their own personal banking and exchange accounts. This isn't compliant nor scalable.\n\n### **🌟 Our solution**\n\nMultis has become the one stop shop to manage, convert and spend — no need to exchange your crypto anymore!\n\n* **Buy/sell crypto and use funds right away** to pay expenses and run a payroll in both crypto and USD\n* **Issue Multis Corporate Cards** to spend your treasury in goods and services, both offline and online\n* **Send and receive** **ACH and wires** (no fees, no limit) to pay your vendors and receive money from clients and investors\n* **Make your accountant and investors happy** with crypto reporting and accounting exports for both crypto and USD\n\n... all with the safety guarantees of Gnosis Safe!\n\n![uploaded image](/media/?type=post&id=67131&key=user_uploads/326849/1f9feff4-05e4-4356-8a8f-8a9aa4b088a0)\n\n### ❓ **Ask**\n\n1. If you're a web3 company/DAO dealing with treasury in cryptocurrencies (incl. USDC/T), [sign up now](https://multis.co/) and benefit from exclusive perks.\n2. If you're a VC fund/investor/incorporator/agency, feel free to reach out! We're always on the lookout for potential partnerships. We'll offer deals and priority onboardings to your portfolio companies.\n\n### **💌 Get access now!**\n\nSend me an email ([thibaut@multis.co](mailto:thibaut@multis.co)) and we’ll give you priority access to your account and [YC perks](https://bookface.ycombinator.com/deals/1431?query=multis) . We'd love your feedback too!", "url": "https://www.ycombinator.com/launches/HSl-multis-usd-checking-accounts-corporate-cards-for-web3-startups", "votes": 18, "created_at": "2022-11-04T18:05:55.500Z" } ] }, { "id": 12839, "name": "Tranqui Finanzas", "slug": "tranqui-finanzas", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2c42e831c6a8c7776b3ad57f187e2c8227a7cd2f.png", "website": "https://tranquifinanzas.com/", "all_locations": "Cali, Valle del Cauca, Colombia; Bogotá, Bogota, Colombia; Remote", "long_description": "Tranqui is a debt collection company that has revolutionized the industry with its digital-first approach. Utilizing cutting-edge analytics and machine learning, Tranqui offers a more efficient and effective debt collection experience for users.\r\n\r\nOur technology-driven approach enables us to analyze user data and behavior patterns to develop personalized communication and repayment plans. 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", "one_liner": "First API solution for tax returns.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1584370541, "tags": [ "Fintech", "SaaS", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/revenir", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/revenir.json", "year_founded": 2019, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/40870718/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0873f3e44b21b9503d92938ee073ec554248871f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 422794, "full_name": "Shawn Du", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shawn-du-a8896282/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/89f64c1635c6139778ea442c29efb257f85ebaa9.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13309, "name": "Modernbanc", "slug": "modernbanc", "former_names": [ "Milly Works" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e71ae997b9de042f26db450a5b99d594a75be4e6.png", "website": "https://modernbanc.com", "all_locations": "London, England, United Kingdom", "long_description": "Simple to set-up, flexible and powerful platform to manage your business finances", "one_liner": "Accounting software that works for you", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1632653047, "tags": [ "Fintech", "Finance", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/modernbanc", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/modernbanc.json", "year_founded": 2020, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/68803106/admin/", "x_url": "https://twitter.com/Modernbanc", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e71ae997b9de042f26db450a5b99d594a75be4e6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 354461, "full_name": "Gregory Gevorkyan", "title": "Founder", "founder_bio": "Building Modernbanc (W20) - the best way to manage your business finances.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/grisha-gevorkyan-597b5289/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8eae62baf357628cbac84193a4aa82dc709900fe.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 92167, "title": "Modernbanc - The first AI financial assistant for business owners", "tagline": "Get an answer, dashboard or a projection to your business finance question in seconds.", "body": "**Introducing Modernbanc - the first of its kind AI financial assistant for business owners.**\n\nPowered by real-time banking and accounting data, it one-shots answers to business owner’s questions in a spreadsheet interface.\n\nBest thing? Those answers never get out of date.\n\nhttps://www.youtube.com/watch?v=ZEIy3R0IFHY\n\n### PROBLEM\n\nMost business owners need simple answers fast, yet they can’t afford to hire a fractional CFO or a finance person.\n\nAt the same time - traditional and inflexible reports from Quickbooks just don’t cut it.\n\n### Enter modernbanc. It can:\n\n* Build real-time financial dashboards, e.g revenue/profitability by category.\n* Create projections, e.g “Can I hire this person?”\n* Custom budget/goal trackers that measure against real-time spend.\n\nNo expensive finance people. No finance degree required.\n\nAlready helping 100+ founders run their business smart.\n\n**Our ask: it’s available to try today, give it a go at [modernbanc.com](http://modernbanc.com) and let us know what you think!**\n\n![uploaded image](/media/?type=post&id=92167&key=user_uploads/354461/b68f917e-051b-4237-a691-9be457da635e)\n\n", "url": "https://www.ycombinator.com/launches/NyZ-modernbanc-the-first-ai-financial-assistant-for-business-owners", "votes": 32, "created_at": "2025-07-15T16:38:29.287Z" }, { "id": 87098, "title": "Modernbanc - fast and modern alternative to Quickbooks", "tagline": "Modern accounting software for startups.", "body": "**TL;DR** [Modernbanc](https://modernbanc.com?source=yc) is a fast and modern alternative to Quickbooks that helps you automate busy work, become tax-ready and know the numbers you actually care about.\n\n* **Automate busy work.** With AI-powered actions and transaction categorization we give you back time every day.\n* **Become tax-ready.** Your or your accountant can easily export the exact data you need for seamless tax filing. If you don’t have an accountant we’ll find you one!\n* **Know your business financials.** Built-in spreadsheet interface to track real-time ARR, Burn, Runway or other custom financial reports.\n\n\n\n# **Problem:**\n\n**As a founder yourself you rarely get any value out of Quickbooks.** You set it up, leave it to your accountant and never open the app again.\n\nIt’s slow and unusable - so when it comes to managing your business finances you spend money on budgeting and reporting software just so you don’t have to open Quickbooks.\n\nAs a founder who had a similar experience I knew we had to build something better.\n\n# \n\n# **Meet Modernbanc - fast and modern alternative to Quickbooks.**\n\nModernbanc is the new standard for accounting software that’s enjoyable and is designed for the way you think:\n\n![uploaded image](/media/?type=post&id=87098&key=user_uploads/354461/f11b941c-6b72-4e0e-acb1-245e2cf3b1b2)\n\n## **⚡️ It’s fast**\n\nInspired by Linear, Modernbanc opens instantly and works without internet so your business financials are always one click away! Don’t believe me? [**Watch this demo**](https://x.com/GregGevorkyan/status/1874585636352795119) 👈\n\n![uploaded image](/media/?type=post&id=87098&key=user_uploads/354461/9b317d37-6269-4ec9-a2c2-7c86ba38545b)\n\n## **⌛️ Smart actions to save you time**\n\n![uploaded image](/media/?type=post&id=87098&key=user_uploads/354461/4e80b3f9-88a7-44f2-8576-29d29b9d79df)\n\nModernbanc learns how your business works and suggests smart actions to automate busy work. Simply press **Enter ↵** or **Backspace ⌫** to accept or reject an action.\n\n## \n\n## **📊 Budgeting, forecasting or reporting - all in one place**\n\n![uploaded image](/media/?type=post&id=87098&key=user_uploads/354461/d4814a75-6684-4ddc-abb7-5bb52c985a4b)\n\nModernbanc has **a built-in spreadsheet** that’s directly connected to your bank accounts and business finances. Build views you actually care about, not just the standard financials.\n\n# **Get started today:**\n\nBook a time with us [here](https://calendly.com/d/cqqj-8zz-b5v/modernbanc-intro), during the call we’ll be able to answer any questions you might have and determine if we’re a right fit for your company.\\\n\\\n_At the moment we’re only able to onboard US-based startups._", "url": "https://www.ycombinator.com/launches/Meo-modernbanc-fast-and-modern-alternative-to-quickbooks", "votes": 16, "created_at": "2025-01-23T17:01:27.387Z" }, { "id": 84421, "title": "Modernbanc - Real-time finance platform for startups", "tagline": "✨ Gain confidence into your business finances. Build real-time ARR/Burn and profitability reports in seconds.", "body": "**Modernbanc combines features from both Excel and Quickbooks to give founders the best way to track their business finances.**\n\n* Say goodbye to imports/exports and outdated reports.\n* Build ARR, Burn, or Runway trackers with live financial data in seconds.\n* Drill down and identify unneeded spend.\n\n[Book a call with us if monitoring live financial metrics is top of your mind.](https://modernbanc.com/?source=yclaunch)\n\n![uploaded image](/media/?type=post&id=84421&key=user_uploads/354461/07567780-ae7d-441b-9535-43b2bdb5e2ce)\n\n## **Problem**\n\nLet’s be honest - no one likes opening Quickbooks, yet it’s the place where your core financial data lives. This creates a disconnect between founders and their key financial metrics, leading to overspend, lack of confidence, and missed goals.\n\nTo get the answers you need, you’d typically export that data into a spreadsheet and then run some calculations.\n\nHowever, the problem is that historically, your accounting software and spreadsheet have always been disconnected, relying on clunky extensions and periodic CSV dumps. This leads to broken, outdated spreadsheets and wasted time cleaning and managing data.\n\n**Why do we still put up with this? We had to come up with a better solution.**\n\n## Meet Modernbanc: If Quickbooks and Excel had a baby.\n\nNo more clunky sheets extensions or periodic CSV dumps. With Modernbanc you just connect your bank accounts and accounting software and point directly to live balances and transactions within a spreadsheet interface. It just works.\n\n![uploaded image](/media/?type=post&id=84421&key=user_uploads/354461/e6929f86-d479-4bde-800c-2c2982d15612)\n\n![uploaded image](/media/?type=post&id=84421&key=user_uploads/354461/2e8a798e-acd2-4cd7-9834-9548fcd9c8e3)\n\n**Modernbanc offers the best of both worlds:**\n\n* **Built like a spreadsheet.** Ready to handle any free-form calculations, works offline, and has instant interactions.\n* **Powered by an integrated ledger**, ensuring your data is always up-to-date and reliable.\n\n**We care about quality and craft.** Inspired by Linear, our product is powered by our internal sync engine for that snappy, offline-first experience and WebGL canvas for ultra-fast rendering and instant calculations.\n\n### **What you can do:**\n\n* **Make plans and projections based on real-time accounts and balances.**\n* **Drill down and identify unneeded spend, break down live transactions into categories**\n* **Look up historical balances (e.g., “What was the balance of my account a month ago?”).**\n* **Maintain a full hierarchy of your accounts, revenue, and spend.**\n* **Track inventory and ensure nothing goes unaccounted.**\n\n### **What data sources do you support?**\n\nWhile Modernbanc has an accounting system that you can store data in, you can connect the following data sources to stream data to Modernbanc:\n\n* Your bank accounts\n* Ledger data from Quickbooks\n* Any custom source (You can create your own data sources within our UI).\n\n### **Who is it for?**\n\n* **Startups** looking to do expense reviews, building live Runway/Burn/Profitability trackers in minutes that don’t involve import/export and never need updating.\n* **Finance teams at medium/large** companies that waste countless working hours on broken spreadsheets when putting together reports.\n* Physical product startups who want to track inventory or other assets but find Quickbooks too limited.\n\n### **Deal:**\n\n* White-glove onboarding (we’ll build your financial views)\n* Data migration.\n* 2 months free for the first 10 clients that sign up through this launch.\n\n### **NEXT STEPS?**\n\n* Book a demo with us [**here,**](https://modernbanc.com/?source=yclaunch) and we’ll get you set up right away!\n* Follow us on [Linkedin](https://www.linkedin.com/company/modernbanc), [Twitt](https://x.com/modernbanc)[er](https://www.linkedin.com/company/modernbanc) and spread the word.\n\nYou can also reach us at [gregory@modernbanc.com](mailto:gregory@modernbanc.com) and [daniel@modernbanc.com](mailto:daniel@modernbanc.com). We’d love to help out if we can!", "url": "https://www.ycombinator.com/launches/Lxd-modernbanc-real-time-finance-platform-for-startups", "votes": 16, "created_at": "2024-10-01T14:53:35.154Z" }, { "id": 76120, "title": "Modernbanc Vault - Compliant encryption API for developers", "tagline": "🔒 Collect, encrypt, process and send your secret and sensitive data in 5 minutes. ", "body": "**TLDR**\n\n> We ([Modernbanc](http://modernbanc.com/)) just launched our [**Encryption Vault API**](https://modernbanc.com/vault) for developers. It allows you to securely collect, encrypt, process, and send sensitive data and achieve PCI/HIPAA or other compliance. Integrate multiple card payments processors and build unique journeys. Book a [demo](https://calendly.com/greg5/30) to learn more.\n\n![uploaded image](/media/?type=post&id=76120&key=user_uploads/354461/29acd05e-1c67-4ed4-8303-9bfd8dd42bc1)\n\n### **Problem:**\n\nAs companies we’re all busy building something customers want - sometimes it means working with and securing sensitive/secret data which can be a huge time and resource drain and derail your roadmap.\n\nSometimes a security or compliance breach can even kill your company!\n\n### **Do you:**\n\n* Work with card numbers and are worried about becoming subject to PCI compliance?\n* Need to store and protect customer data?\n* Need to solve a hard encryption/security issue?\n\nIf the answer to any of these is yes then we can help you!\n\n### **Introducing Encryption Vault.**\n\n[**Modernbanc Vault**](https://modernbanc.com/vault) helps you securely collect, store, process and send sensitive data and achieve compliance.\n\nYou can get started in 5 minutes and do the following:\n\n* Collect and encrypt data into the vault via our API proxy or by embedding our native SDKs.\n* Process it by deploying custom code onto Modernbanc Isolates - bullet-proof and secure environments.\n* Send this data to any API or a database.\n\nIt’s like wearing gloves - you have full control and can touch and manipulate your data with 0 exposure to your app or servers - it is magical!\n\n### **Use-cases:**\n\nYou can use it to solve any security/encryption roadblocks but these use-cases would be most familiar:\n\n* **Card/payments data:**\n * Working with card numbers or exposing it to your app/server puts you at risk of becoming subject to PCI compliance.\n * With Modernbanc you can delegate most of your PCI scope to us and launch your product in minutes!\n * Compliantly build custom payments journeys including a smart-checkout or payment orchestration.\n* **Customer and credentials data:**\n * Show your customers and partners that you’re serious about their security by collecting and processing their data in bullet-proof encrypted environments.\n* **Health data:**\n * Tick-off the PHI data collection, encryption and processing requirements for HIPPA.\n\n### **OFFER:**\n\nWe offer exceptional support, consultation sessions and a 1-year 30% discount to first 10 companies that sign up through here (mention ‘YC Launch’ in the link below) **with unlimited encrypt and decrypt operations.**\n\n### **NEXT STEPS?**\n\n* Book a demo with us [**here**](https://calendly.com/greg5/20) and we’ll get you set up right away!\n* Follow us on [Linkedin](https://www.linkedin.com/company/modernbanc), [Twitter](https://x.com/modernbanc) and spread the word.", "url": "https://www.ycombinator.com/launches/Jnk-modernbanc-vault-compliant-encryption-api-for-developers", "votes": 13, "created_at": "2023-11-09T19:10:09.068Z" } ] }, { "id": 13333, "name": "Upflow", "slug": "upflow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b1ab8ca5ebabdab9b5b2a4f3b0349715907d614a.png", "website": "https://upflow.io/en/", "all_locations": "Paris, Île-de-France, France", "long_description": "Upflow builds the reference cash collection platform to help B2B companies get paid faster, more predictably, and with stronger customer relationships.\r\n\r\nToday, the order-to-cash process is mission critical for businesses, yet it remains fragmented across tools, teams, and workflows. Collections, payments, and reconciliation are often manual, reactive, and disconnected from the rest of the business. Upflow brings this entire process into one system — combining data, agentic automation, collaboration, and financial services to turn receivables into a predictable and scalable engine.\r\n\r\nWe serve 500+ companies across 30+ countries, including Vercel, Lattice, Productboard, and are backed by leading investors including Y Combinator, Hedosophia, Hexa, and Lorimer. With teams across the US and Europe, we’re building a category-defining company at the intersection of finance, payments, and AI.\r\n\r\nTo learn more about what we do, visit upflow.io. For a behind-the-scenes look at how we work as a team, head to the Inside Upflow section of our blog at upflow.io/blog/inside-upflow.", "one_liner": "Cash collection technology for B2B businesses", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1586871998, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "France", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/upflow", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/upflow.json", "year_founded": 2018, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/upflowhq/", "x_url": "https://twitter.com/upflowhq", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/upflow", "github_url": "https://github.com/upflowhq", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b1ab8ca5ebabdab9b5b2a4f3b0349715907d614a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 407922, "full_name": "Alex Louisy", "title": "Founder", "founder_bio": "Engineer. CEO and Co-founder of Upflow. YC W20.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexlouisy/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e478f7a9729a8865f7a62703ab129e8f1ef4c4b9.jpg" } ], "jobs": [], "news": [ { "title": "Engineering Principles at Upflow", "url": "https://upflow.io/blog/inside-upflow/engineering-principles-at-upflow", "date": "Feb 09, 2025" } ], "launches": [] }, { "id": 13335, "name": "Kosh", "slug": "kosh", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7b9e26c5c5df6bc807984c5b5ee43986a321d364.png", "website": "https://getkosh.com", "all_locations": "Gurugram, HR, India; HR, India", "long_description": "Kosh is a digital lending platform in India, empowering blue-collar workers with a unique joint liability model (much like microfinance but for a different segment). The social component of their underwriting helps control credit risk significantly and lower CAC/Opex in one go, making this 150mn-strong segment credit-worthy.", "one_liner": "Creating Microfinance 2.0.", "team_size": 56, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1583792143, "tags": [ "Fintech", "Social", "India", "Consumer Finance", "Diversity & Inclusion" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kosh", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/kosh.json", "year_founded": 2020, "city": "Gurugram", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/getkosh/", "x_url": "", "fb_url": "https://www.facebook.com/getkosh/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7b9e26c5c5df6bc807984c5b5ee43986a321d364.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 369878, "full_name": "Sahil Bansal", "title": "Founder", "founder_bio": "Cofounder of Kosh. Graduated from IIT Delhi in 2014. Worked as a quant strat at Goldman Sachs in their Investment Banking Division. Currently managing sales and operations at Kosh.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sahil-bansal-48b17b39/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f60471003a7c326bbc51748acac20ad46c5b7ec1.jpg" }, { "user_id": 369866, "full_name": "Aayush Goel", "title": "Founder", "founder_bio": "Trying to scale myself as a leader as Kosh scales. ex-Goldman Sachs, Graduate from IIT Delhi. Forbes u30 Asia. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aayushgoel92/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1f0645a0961c0db202472ca0f3cbda9c584854ab.jpg" } ], "jobs": [], "news": [ { "title": "2022 In Review: The Best Of Inc42’s 30 Startups To Watch", "url": "https://inc42.com/startups/2022-in-review-the-best-of-inc42s-30-startups-to-watch/", "date": "Jan 05, 2023" }, { "title": "Kosh", "url": "https://www.forbes.com/profile/kosh/?list=30under30-asia-social-impact&sh=c4a86692c578", "date": "Aug 05, 2022" }, { "title": "Y Combinator-backed Kosh is a neobank for blue-collar workers in India | TechCrunch", "url": "https://techcrunch.com/2020/03/19/y-combinator-backed-kosh-is-a-neobank-for-blue-collar-workers-in-india/", "date": "Mar 19, 2020" } ], "launches": [] }, { "id": 13337, "name": "goDutch", "slug": "godutch", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/139f3923e5b1264c5832c11db6a942d85eef67ba.png", "website": "https://godutchpay.in", "all_locations": "MH, India", "long_description": "goDutch is a new-age fintech app that powers group payments for millennials. 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Every time a user make any digital transaction, we round off the amount to the nearest 10 INR and invest it for them into a diversified portfolio, automatically.\r\n\r\n400M millennials in India don't invest because they don't have enough time, knowledge or access to large capital. With Spenny, they just connect the card and invest every time they spend.\r\n\r\nWe're growing 67% WoW since launch, with 3,000+ users and $15,000 in AUM. Indians put $500Bn into their bank accounts annually. We charge 1.75% of the AUM for investments. That's a direct ~$9Bn market in India alone.\r\n\r\nPotentially every time a user makes a transaction, we make money. And in that sense, the timing for Spenny couldn't have been better: 1 Trillion+ transactions are expected in 2021 because of factors like Whatsapp launching its P2P payments in India for its 400M users. 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We also provide users with a credit card secured by their investments. \r\n\r\nWe launched with money market funds and have ~40,000 customers who’ve invested (~40% MoM growth). The pandemic spurred interest among new investors, and our AUM has grown 3x since April 2020. And we’ve done this with a cost of acquisition that is 10% of the industry average. \r\n\r\nHere’s the problem we see. Only 10% of the 100 million middle-income Indian workers have invested in the markets. This is despite the fact that they save ~30% of their income, making this a $325B potential market in assets under management. \r\n\r\nHowever, current investment apps in India are built for active investors. With over 16,000+ mutual funds and 5000+ stocks to choose from, they are far too complicated for beginners, who make up most of the market.\r\n\r\nWe’re building an AI - driven investment planning software that is designed for beginners. Users use our conversational AI to get diversified mutual fund portfolios tailored to their goals. We also offer users a credit card secured by their investments, so they can earn return without losing liquidity.\r\n\r\nIn terms of business model, we make commissions on the asset we manage, and interchange fees on the fund. 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", "one_liner": "Modern Point of Sale for Gas Stations and Truck Stops", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1612800691, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/gas-pos", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/gas-pos.json", "year_founded": 2015, "city": "Little Rock", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/gas-pos-inc", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/86f8f64334b32d8ebb242023b050bd8e715cc458.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 207919, "full_name": "Joshua Smith", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joshua-smith-809244104/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c3dc933e286286c04cf889ba738f9bffa7d94c8c.jpg" }, { "user_id": 427763, "full_name": "Nannette Smith", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nannette-smith-9a568512a", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0ed38f6b7181b82378d5d163b3f5f9eb35b6bf07.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13610, "name": "Belvo", "slug": "belvo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a630e8e8c65d44c6d85d84dfe4c115d9c8671c2.png", "website": "https://belvo.com", "all_locations": "São Paulo, SP, Brazil", "long_description": "We are Belvo, a financial API platform for Latam that enables any company or developer to access and interpret their end-users' financial information, through one easy-to-use API. Think Plaid for Latam.\r\n\r\nOur vision is to power the next generation of financial services in Latam by enabling more inclusive, efficient and empowering offerings through tech and data. Latam is a very exciting and dynamic place to be right now and a great place to build infrastructure for the next generation of financial products for a huge market.", "one_liner": "Open Finance API platform for Latam.", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1583843586, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/belvo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/belvo.json", "year_founded": 2019, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/belvofinance", "x_url": "https://twitter.com/joinbelvo", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/belvo", "github_url": "https://github.com/belvo-finance", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a630e8e8c65d44c6d85d84dfe4c115d9c8671c2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 418136, "full_name": "Oriol Tintore", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/uritintore/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/530f59abaca124211d78b507a0a06715c9f0d974.jpg" }, { "user_id": 418110, "full_name": "Pablo Viguera", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/viguerapablo/", "x_url": "https://twitter.com/viguerapablo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f5b8128d07da29d89ad11be93ae1e950799b790e.jpg" } ], "jobs": [], "news": [ { "title": "Belvo secures $15 million in new round of funding to power the next phase of Open Finance growth in Latin America - Belvo", "url": "https://belvo.com/blog/belvo-secures-15-million-in-new-round-of-funding-open-finance-latin-america/", "date": "Apr 16, 2025" } ], "launches": [] }, { "id": 13627, "name": "Jenfi", "slug": "jenfi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2db4dddea02151de0da490cfe73ef39915dc72cf.png", "website": "http://jenfi.com/", "all_locations": "Singapore, Singapore", "long_description": "We back growing digital businesses using revenue based financing.\r\n\r\nMany of growing businesses in Asia are highly \"bankable\" yet 50-70% are unable to obtain capital to grow their business.\r\n\r\nHaving been business owners ourselves, we experienced firsthand the struggles of funding a business - from expensive equity options to loans that required personal guarantees.\r\n\r\nWe went live in Singapore first to validate the product/market fit. We plan to expand across the APAC region..\r\n\r\nOur sweet spot is backing repeatable business spend - expenses that leads to increased revenue. Our financing product allows businesses to keep growing with us over time. Over a third of our advances today are from repeat borrowers.\r\n\r\nWe created a brand new asset class in Asia - offering flexible repayment options, such as tieing repayment with sales. Business owners LOVE this.\r\n\r\nOur automated financial technology platform ingests revenue and alternative data sources that gives us a proprietary edge in understanding the behavior of our borrowers. As we collect continuous data, we are able to offer better financial and technology solutions, while mitigating our downside risk.\r\n\r\nFunds are seamlessly deployed via our virtual Jenfi Wallet and MasterCard solution, giving borrowers flexibility to make payments while giving Jenfi real-time tracking of their spend.\r\n\r\nRecent coverage: \r\nhttps://techcrunch.com/2020/02/03/jenfi-wants-to-solve-small-business-lending-in-southeast-asia/", "one_liner": "Jenfi provides revenue-based financing for digital businesses in Asia ", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1580951713, "tags": [ "Banking as a Service", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/jenfi", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/jenfi.json", "year_founded": 2019, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/jenfi", "x_url": "https://twitter.com/JenfiCapital", "fb_url": "https://www.facebook.com/jenficapital/", "cb_url": "https://www.crunchbase.com/organization/jenfi", "github_url": "https://github.com/jenfi-eng", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2db4dddea02151de0da490cfe73ef39915dc72cf.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 438040, "full_name": "Jeffrey Liu", "title": "Founder", "founder_bio": "Jeff is the CEO and co-founder of Jenfi.\n\nHe founded GuavaPass, a fitness subscription service, which he ran as CEO from 2015-2018. The company expanded to 12 markets across Asia and the Middle East and was subsequently sold to ClassPass in 2018.\n\nJeff brings a strong operational and financial background from GuavaPass, BeachMint (corporate development), Victory Park Capital (credit hedge fund) and Lehman Brothers (investment banking). He has a MBA from Chicago Booth.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jeffreykliu/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e906ac207c8625c1152790017919ace7844ceab9.jpg" }, { "user_id": 438237, "full_name": "Justin Louie", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nitsujri", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/036652f7f2293ef3c319a99d611dabcd5488bd88.jpg" } ], "jobs": [], "news": [ { "title": "Singapore-Based Y Combinator Graduate Raises $6.6 Million To Expand Its ‘Growth Capital As A Service’", "url": "https://www.forbes.com/sites/catherinewang/2023/05/17/singapore-based-y-combinator-graduate-raises-66-million-to-expand-its-growth-capital-as-a-service/?sh=54d706b34b65", "date": "May 17, 2023" }, { "title": "SG fintech firm gets $6.6m to expand automated business loans", "url": "https://www.techinasia.com/jenfi-66m-automate-business-loans", "date": "May 15, 2023" }, { "title": "Tech in Asia - Connecting Asia's startup ecosystem", "url": "https://www.techinasia.com/jenfi-series-a-funding-monks-hill-ventures", "date": "Aug 17, 2021" } ], "launches": [] }, { "id": 19888, "name": "Altro", "slug": "altro", "former_names": [ "Hatch Credit", "Perch (Formerly Hatch Credit)", "Perch", "Perch Credit", "Perch", "Altro" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/58847e130c30f297f7cee19998c6a99931a8c35d.png", "website": "https://altro.io", "all_locations": "Los Angeles, CA, USA; Remote", "long_description": "Altro (altro.io) is a platform that enables members to build credit no matter who they are, where they are from, or their history of credit access/score. We serve the 68M people in the US (mainly Women and POC) who are denied credit due to historical bias and the lack of access that current banks provide to credit building and tools. (It wasn't until The Equal Credit Opportunity Act in the 1970's that Women and \"Minorities\" could even get fair access to credit)!\r\n\r\n\r\nAltro has created a mobile that allows anyone to have access to credit, using their subscriptions as a means to start building their credit score. Altro lends to members a $75 Line of Credit to pay for their subscriptions, such as Netflix, Hulu, HelloFresh, etc. This card is built to solely work on the subscriptions that the member is already paying for, allowing them to securely use their $75 credit to build their credit using things they are already paying for.\r\n\r\nDoing this empowers folx who were denied credit a way to start building their score and financial power. Altro will service millions of people in not only building their credit, but also gaining access to the tools (such as personal loans, emergency funds, car/house loans and more) that they could not access prior.", "one_liner": "Build Credit With Your Subscriptions", "team_size": 29, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1599762606, "tags": [ "Education", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.", "answer": "Help college students build credit fast & for free" }, { "question": "How long have each of you been working on this? How much of that has been full-time? Please explain.", "answer": "I have experimented with the student financial crisis since my freshman year and started working with Ayush our Sophomore year (9 months working together). Aside from being full-time students, we have seen exponential growth in the company in the past 3 months and have gone full time on this venture since." }, { "question": "What is your company going to make? Please describe your product and what it does or will do.", "answer": "Our company is developing a mobile app that allows users to build their credit score using non-traditional data points, such as rent, Netflix, utilities and other recurring payments. \r\n\r\nWe do this by furnishing on-time payments from our users to the US Credit Bureaus. This data can be backlogged up to 2 years, allowing users to see a significant boost in their credit score in under 2 weeks. 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I have more than 16 years of experience in software development, having worked at Accenture and Capgemini, building core solutions for Brazilian Banks (Bradesco and Santander) and also a team leader at Cielo (Acquirer company in Brazil).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fernandorsantos/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/edc3cafbde8ff236745213fefdaeb0b03174beee.jpg" } ], "jobs": [ { "id": 47899, "title": "Backend Developer", "url": "https://www.ycombinator.com/companies/conta-simples/jobs/PahN5lG-backend-developer", "location": "São Paulo, SP, Brazil / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$2.5K - $3K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Node.js" ] } ], "news": [ { "title": "Conta Simples grabs another $41.5M for its expense management approach in Brazil | TechCrunch", "url": "https://techcrunch.com/2024/01/09/conta-simples-41-5m-expense-management-brazil/", "date": "Jan 09, 2024" }, { "title": "Startup Conta Simples raises R$121.4 million in new Series A", "url": "https://labsnews.com/pt-br/artigos/negocios/deu-match-fundador-do-tinder-lidera-aporte-na-conta-simples/", "date": "Dec 16, 2021" } ], "launches": [] }, { "id": 21812, "name": "Safepay", "slug": "safepay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/269b53629324d449da5b34f295bfa9befb9eed72.png", "website": "https://getsafepay.pk/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Safepay provides a single integrated payments solution that interoperates with local and international payment options. 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We provide international founders with a U.S. business bank account, 30+ multi-currency accounts, global payouts in 140+ currencies, and smart debit cards.\n\n![](https://lh5.googleusercontent.com/ykzg-cdBJIwZ9TXgYARSV16B7poMw7Yd6L4qpQ9luVq1sO8CDaOqUiiT1vTaVq4iscwmdpp5YzGYso1zgE0uuB20sWWSRVAZ6xnoKVVLD5ZGnP0YxxgmkVIYcT7F05CFzz0-Ry1cejUevLIGzWvXvqhL-RCpkS7ChI6KM_mOdED30p4RBCneKDLu5A)\n\n**The Problem ‼️**\n\n**International businesses can’t access the U.S. financial services they need to grow.**\n\nThere has been an explosion of global founders choosing to form U.S. entities to make it easier to raise venture funding, use Stripe & PayPal, and sell to U.S. customers. \n\nUnfortunately, since non-U.S. residents don’t have an SSN, traditional financial institutions make it challenging for most global founders to open a real, high quality, FDIC-insured bank account. \n\nEven when it comes to emerging fintechs, international founders in particular have their own unique pain points: funding their business account from a local currency and bank, processing payouts in other currencies, and conducting business without getting their accounts frozen (many international founders using money transfer tools instead of bank accounts have had their accounts or funds frozen for months. Banks often do this as well). \n\nWe had one early customer from Argentina come to us after their Wells Fargo account (with over $1M USD deposited) was shut down overnight with no notice!\n\n**The Solution 👊🏿**\n\nA bank tailored to international founders.\n\nIn as little as _30 minutes_ after filling out our 10 minute application online, we can open an account for a founder without an SSN. \n\nWhile many other banks are willing to look at applications from international founders, they still reject upwards of 30%+ of applicants 😥. Novel’s greater understanding of these customers allows us to better accommodate these founders. Our custom KYC process allows us to quickly identify the customer and their risk profile, and issue them an account. \n\nWith Novel, founders all over the world can:\n\n1. Quickly open a business checking account and fund via 30+ currencies\n2. Receive physical and virtual debit cards\n3. Conduct payouts in 140+ currencies (more than any existing bank)\n4. 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If you need to move money globally to run your business, we’re here to help. ", "url": "https://www.ycombinator.com/launches/HIf-novel-your-international-business-bank-account", "votes": 20, "created_at": "2022-10-04T21:44:51.002Z" } ] }, { "id": 21831, "name": "Pave", "slug": "pave-2", "former_names": [ "Trove" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fdcc45ccdba96fa8fd67be9d0190f3048b60c333.png", "website": "https://pave.com", "all_locations": "San Francisco, CA, USA", "long_description": "Pave allows you to make smarter comp decisions and eliminate spreadsheets, powered by real-time integrations with your HRIS, ATS, and Cap Table. 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My experience is across building and scaling early to late stage internet companies (seed to series D) across SEA and India, where I built growth, partnerships and revenue teams.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abh1nay/", "x_url": "https://twitter.com/abh1nay", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c75b4dab3aaa614e9665339d1e80aec8ebdd9110.jpg" } ], "jobs": [], "news": [ { "title": "BukuWarung, a fintech for Indonesian MSMEs, scores $60M Series A led by Valar and Goodwater – TechCrunch", "url": "https://techcrunch.com/2021/06/09/bukuwarung-a-fintech-for-indonesian-msmes-scores-60m-series-a-led-by-valar-and-goodwater/", "date": "Jun 09, 2021" }, { "title": "BukuWarung, a startup digitizing Indonesia's SMEs, raises new funding from Rocketship.vc • TechCrunch", "url": "https://techcrunch.com/2021/02/02/bukuwarung-a-startup-digitizing-indonesias-smes-raises-new-funding-from-rocketship-vc/", "date": "Feb 02, 2021" }, { "title": "Indonesian fintech startup BukuWarung gets new funding to add financial services for small merchants • TechCrunch", "url": "https://techcrunch.com/2020/09/28/indonesian-fintech-startup-bukuwarung-gets-new-funding-to-add-financial-services-for-small-merchants/", "date": "Sep 28, 2020" }, { "title": "Meet BukuWarung, the bookkeeping app built for Indonesia's 60 million \"micromerchants\" • TechCrunch", "url": "https://techcrunch.com/2020/07/02/meet-bukuwarung-the-bookkeeping-app-built-for-indonesias-60-million-micro-merchants/", "date": "Jul 02, 2020" } ], "launches": [] }, { "id": 21898, "name": "Cradle", "slug": "cradle", "former_names": [ "PostDated" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e6b0060a03ac1e3bb4ad8eaf0536ff8caacd95d4.png", "website": "https://www.cradlefinance.com", "all_locations": "Bengaluru, KA, India", "long_description": "Cradle is a B2B payments network in India that lets small businesses collect online payments from other businesses for free.", "one_liner": "B2B payments network in India", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1599762606, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Retail" ], "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/cradle", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/cradle.json", "year_founded": 2020, "city": "Bengaluru", "country": "IN", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e6b0060a03ac1e3bb4ad8eaf0536ff8caacd95d4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 491223, "full_name": "Gaurav Mishra", "title": "Founder", "founder_bio": ".", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mishrag/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9c03f8575fa6cd20bc532e1d8c2930ecfc80a864.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 21903, "name": "doola", "slug": "doola", "former_names": [ "Standups", "StartPack", "doola (formerly StartPack)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ef8a47a4ac0a3c3a1af8da2743a4bee6aa5bb8fb.png", "website": "https://www.doola.com/", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "doola is a “Business-in-a-Box” for creators. We take care of everything creators need to form an LLC, set up their bank account, accept payments, and manage ongoing compliance and tax filings. We realized how difficult it was to set up the full stack of software and accounts you need to get a business off the ground. This is the same problem faced by online businesses, who begin their business as a side hustle, and just want to focus on growing their business, not annoying administrative work. That’s why we built doola: to take care of it all. Today, people on every continent have launched companies with doola. (HQ: New York)", "one_liner": "Business-in-a-Box™ for LLCs", "team_size": 43, "industry": "B2B", "subindustry": "B2B -> Productivity", "launched_at": 1614820150, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Productivity" ], "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/doola", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/doola.json", "year_founded": 2020, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/doolaHQ", "x_url": "https://twitter.com/doolaHQ", "fb_url": "https://www.facebook.com/doolaHQ", "cb_url": "https://www.crunchbase.com/organization/doola", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ef8a47a4ac0a3c3a1af8da2743a4bee6aa5bb8fb.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": 306058, "full_name": "Arjun Mahadevan", "title": "Founder", "founder_bio": "CEO @doolaHQ (YC S20) | Helping 1M people start their dream biz with doola.com (a “business-in-a-box” for LLCs) | Slowly turning into my alter ego: Mr. LLC 🇺🇸", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mahadevanarjun/", "x_url": "https://www.twitter.com/arjunmahadevan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bbe8b6eaafbda2393adfc2476e44cd869ca1e0de.jpg" } ], "jobs": [ { "id": 50671, "title": "Pitch Us on a Role", "url": "https://www.ycombinator.com/companies/doola/jobs/cmnbzur-pitch-us-on-a-role", "location": "New York, New York", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 70268, "title": "Bookkeeper (Bangalore, India)", "url": "https://www.ycombinator.com/companies/doola/jobs/EiVa7yS-bookkeeper-bangalore-india", "location": "Bangalore / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "", "visa": "US citizen/visa only", "skills": [] }, { "id": 70269, "title": "CPA, Tax Professional (Bangalore, India)", "url": "https://www.ycombinator.com/companies/doola/jobs/nqtfSsq-cpa-tax-professional-bangalore-india", "location": "Bangalore", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "", "visa": "US citizen/visa only", "skills": [] }, { "id": 70270, "title": "Tax Preparer (Bangalore, India)", "url": "https://www.ycombinator.com/companies/doola/jobs/JIGwcQ0-tax-preparer-bangalore-india", "location": "Bangalore", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "", "visa": "US citizen/visa only", "skills": [] }, { "id": 71187, "title": "Bookkeeper (Client Success)", "url": "https://www.ycombinator.com/companies/doola/jobs/o7evMBB-bookkeeper-client-success", "location": "Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$55K - $80K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 76458, "title": "Account Management Team Lead", "url": "https://www.ycombinator.com/companies/doola/jobs/yriS1CQ-account-management-team-lead", "location": "Remote in Philippines / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "", "visa": "US citizen/visa only", "skills": [] }, { "id": 76460, "title": "IRS / EIN Specialist", "url": "https://www.ycombinator.com/companies/doola/jobs/ucJFSNZ-irs-ein-specialist", "location": "Bangalore / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "", "visa": "US citizen/visa only", "skills": [] }, { "id": 76461, "title": "Operations Agent", "url": "https://www.ycombinator.com/companies/doola/jobs/HdlyBJp-operations-agent", "location": "Remote in Philippines / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "", "visa": "US citizen/visa only", "skills": [] }, { "id": 76463, "title": "Tax Team Lead", "url": "https://www.ycombinator.com/companies/doola/jobs/6xGUxW3-tax-team-lead", "location": "Remote in Philippines / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Doola nurses new capital for its ‘business in a box’ tool targeting global founders • TechCrunch", "url": "https://techcrunch.com/2022/11/08/doola-nurses-new-capital-for-its-business-in-a-box-tool-targeting-global-founders/", "date": "Nov 08, 2022" }, { "title": "The New Doola Company Formation API Could Help Manage An Influx of U.S. LLC, DAO LLC, and C Corp Incorporations", "url": "https://www.ibtimes.com/new-doola-company-formation-api-could-help-manage-influx-us-llc-dao-llc-c-corp-3488864", "date": "Apr 28, 2022" }, { "title": "Doola raises $3M to help global founders launch an LLC in the US – TechCrunch", "url": "https://techcrunch.com/2021/11/15/doola-raises-3m-to-help-global-entrepreneurs-launch-an-llc-in-the-u-s/", "date": "Nov 15, 2021" } ], "launches": [ { "id": 100594, "title": "doola MCP + API for US LLC Formation", "tagline": "Start a business from inside Claude, Replit or your platform via our API.", "body": "Hey everyone,\n\nArjun here, CEO of doola (YC S20).\n\nWe just launched the doola MCP and wanted to share it with the YC community.\n\n**What we built:** You can now start a Wyoming LLC inside Claude or Replit without leaving the platform. An AI agent collects the required information, passes it to our formation API, and hands the founder off to complete payment on doola.\n\n**We are the first business formation and compliance platform to offer LLC formation via the Model Context Protocol standard**.\n\n![uploaded image](/media/?type=post&id=100594&key=user_uploads/306058/50d183f0-47b7-4600-94b9-bd9e44f1deb3)\n\n**Why we did this now:** A few months ago, I posted here when we opened our Formation API. We received 20+ inbound partnership messages from that post alone. The appetite for callable formation infrastructure is real and growing fast. MCP felt like the right next step.\n\n![uploaded image](/media/?type=post&id=100594&key=user_uploads/306058/004ae590-12e6-4034-a962-2134cf65b54a)\n\nThe API + MCP we have built can now empower businesses of all types and sizes to **offer whitelabeled US LLC formation and ongoing compliance at scale, fully powered by doola.** This now allows companies to use the tech we’ve built to:\n\n* Streamline operations and outsource formations and filings to doola’s automation.\n\n\n* Drive new revenue streams by offering a new product to your customer base (white-labeled or powered by doola).\n\nWe’re excited to continue empowering founders across the globe to turn their dream idea into their dream US businesses.\n\n**Ask: If you're at a company considering embedding LLC formation or compliance infrastructure into your product, I'd love to talk. We’re actively onboarding new partners (more info below in PS on how to get in touch).**\n\nWe’ve helped 15,000+ founders across 175+ countries start U.S. LLCs. MCP is what the future of LLC formation looks like in an agentic world.\n\nHappy to answer any questions here.\n\nLets doola it ⚡\n\nPS: If you’d like to partner with us to offer formation in your platform via MCP or API, please email me at [arjun@doola.com](mailto:arjun@doola.com) or you can grab some time to chat and [learn more about accessing our MCP + Formation API here.](https://www.doola.com/business-solutions/company-formation-api/)", "url": "https://www.ycombinator.com/launches/QAU-doola-mcp-api-for-us-llc-formation", "votes": 5, "created_at": "2026-04-30T14:42:12.425Z" }, { "id": 93361, "title": "doola: AI Co-Founder", "tagline": "The First AI Business-in-a-Box™ for E-Commerce Entrepreneurs", "body": "[doola: AI Co-Founder](https://www.youtube.com/watch?v=63utsvP5Hx8&t=1s)\n\nIntroducing doola’s [AI Co-Founder](https://www.doola.com/ai-cofounder/?utm_source=yc&utm_medium=social&utm_campaign=ai-cofounder&htrafficsource=yc&el=yc_08272025), the first intelligent partner built for global e-commerce entrepreneurs that cuts back-office work from hours per week to just minutes. So you can focus on building your brand and making sales.\n\n![uploaded image](/media/?type=post&id=93361&key=user_uploads/306058/df83bf9e-c5f7-4708-8d34-e5064c8fb5a6)\n\nGlobal e-commerce entrepreneurs were telling us the same story. That starting a Shopify or Amazon store is easy, but running and managing one is overwhelming.\n\nThat’s why we built [doola's AI Co-Founder](https://www.doola.com/ai-cofounder/?utm_source=yc&utm_medium=social&utm_campaign=ai-cofounder&htrafficsource=yc&el=yc_08272025), the intelligent partner that takes care of your back-office tasks.\n\n![uploaded image](/media/?type=post&id=93361&key=user_uploads/306058/4cb6bc40-e222-49fd-96c6-0cdf662db309)\n\nE-Commerce entrepreneurs don’t want ten browser tabs and five service providers. They want one trusted partner who gets the job done. Our [AI Co-Founder](https://www.doola.com/ai-cofounder/?utm_source=yc&utm_medium=social&utm_campaign=ai-cofounder&htrafficsource=yc&el=yc_08272025) is your business partner that never sleeps, is available 24/7, fluent in 175+ countries’ unique challenges, and gets smarter with every interaction.\n\n**What AI Co-Founder Delivers Today**\n\nUnlike generic chatbots, [AI Co-Founder is built for e-commerce entrepreneurs](https://www.doola.com/ai-cofounder/?utm_source=yc&utm_medium=social&utm_campaign=ai-cofounder&htrafficsource=yc&el=yc_08272025) and automates tasks that usually drain founders' time:\n\n* **Banking & Payments:** Helps founders globally set up U.S. accounts and Shopify Payments quickly.\n* **Compliance & Filings:** Tracks state deadlines and fees, sending reminders before obligations are due.\n* **Bookkeeping & Accounting:** Advises on accounting methods and expense categorization to keep your books clean.\n\n**U.S. Tax Guidance:** Explains filing requirements based on a founder's home country and U.S. business structure.\n\n![uploaded image](/media/?type=post&id=93361&key=user_uploads/306058/01ea07eb-326f-4160-9c00-076b598a7e29)\n\ndoola isn’t just a formation service. We’re building the first [AI Business-in-a-Box™ for E-Commerce](https://www.doola.com/ai-cofounder/?utm_source=yc&utm_medium=social&utm_campaign=ai-cofounder&htrafficsource=yc&el=yc_08272025).\n\nOur AI Co-Founder is the first step toward an intelligent, automated back-office that works for you, so you can focus on what you do best, while doola handles the rest.", "url": "https://www.ycombinator.com/launches/OHp-doola-ai-co-founder", "votes": 11, "created_at": "2025-08-27T14:02:51.947Z" }, { "id": 89198, "title": "doola: Business-in-a-Box™ for E-Commerce", "tagline": "Your E-Commerce back office. Simplified.", "body": "[Introducing Business-in-a-Box™: The Back Office of E-Commerce is Finally Here](https://youtu.be/OROIndmHTQw?si=HIDSwQhQHiQj2RjB)\n\nThe front end of E-Commerce is Shopify and Amazon. The back-end has been fragmented and missing… until now.\n\nToday is one of the most important days in doola's history.\n\nWe're launching [doola Business-in-a-Box™ for E-Commerce](https://www.doola.com/?utm_source=yc&utm_medium=social&utm_campaign=businessinabox&htrafficsource=yc&el=doola_yc) - the first solution that brings the entire back-end of E-Commerce into one place.\n\n![uploaded image](/media/?type=post&id=89198&key=user_uploads/306058/15876394-8954-4de9-9cd4-6ef713e518e8)\n\n## E-Commerce Do'ers, you know the struggle:\n\n* Entity formation, compliance, and multi-state tax rules\n* Bookkeeping and financials that ensure you don't overpay the IRS\n* Business analytics to understand profitability across all your channels\n\nFor too long, you've been forced to stitch together a back-end solution from fragmented services, thinking that's just the way it had to be.\n\nWe built the solution E-Commerce founders deserve.\n\n## With doola, you get:\n\n✅ LLC formation and business banking set up the right way from day one\n\n✅ Bookkeeping and tax filings are handled (by humans) so you don't leave money on the table\n\n✅ Initial sales tax registration and reseller certificate? We got you covered.\n\n✅ Business analytics integrated to track profits across Shopify, Amazon, and beyond\n\n## Why this matters:\n\n* E-Commerce is exploding—online sales will surpass $6 trillion globally in 2025\n* Founders don't want five different vendors to manage their back-end\n* You should be focused on selling and scaling—not juggling compliance tasks\n\nThe best part? No U.S. Social Security Number is required. We've already helped 10,000+ entrepreneurs from 175+ countries turn their E-Commerce dreams into reality and scale to 7 figures and beyond.\n\n![uploaded image](/media/?type=post&id=89198&key=user_uploads/306058/9e1a4c84-9bfb-434a-85f1-c72c6efd480a)\n\nEverything you need is now in one place, [built specifically for E-Commerce.](https://www.doola.com/?utm_source=yc&utm_medium=social&utm_campaign=businessinabox&htrafficsource=yc&el=doola_yc) All the unsexy yet critical and required things you need to do—doola takes care of them for you.\n\nStop managing back-end tasks manually. Focus on what you do best while doola handle the rest.\n\n[Schedule a demo today.](https://www.doola.com/?utm_source=yc&utm_medium=social&utm_campaign=businessinabox&htrafficsource=yc&el=doola_yc)\n\nLet's doola this ⚡️", "url": "https://www.ycombinator.com/launches/NCg-doola-business-in-a-box-for-e-commerce", "votes": 11, "created_at": "2025-04-02T12:31:18.046Z" }, { "id": 84459, "title": "doola White Label Bookkeeping and Tax API", "tagline": "Add bookkeeping and tax filings to your product suite via API.", "body": "Hey everyone! 👋\n\nWe’re excited to announce the expansion of our API offerings to the YC community with the launch of the doola White Label Bookkeeping and Tax API. 🎉\n\nAt doola, we’ve always been on a mission to empower entrepreneurs to run their US business seamlessly, no matter where they are in the world. \n\nIt all started with our [**Company Formation API**](https://www.doola.com/business-solutions/company-formation-api/?utm_source=launchyc&utm_medium=listing&utm_campaign=formationapi): a solution designed to help founder s launch their US companies in minutes, fully remote, and hassle-free. Our API enabled platforms to offer a seamless US company formation experience, outsourcing all the filings and compliance to doola's automation — and unlocking new revenue streams for those platforms.\n\n![uploaded image](/media/?type=post&id=84459&key=user_uploads/306058/c0bc5c09-1648-47f8-9395-bbc8bcadb7a6)\n\nBut our vision didn’t stop at formation.\n\nToday, we’re excited to build on that foundation with our new [**White Label Bookkeeping and Tax API**](https://doola.com/bookkeeping/white-label-bookkeeping-tax-api?utm_source=launchyc&utm_medium=listing&utm_campaign=bookkeepingtaxapi), allowing platforms to offer not just company formation but also ongoing bookkeeping, financial statements, and tax compliance services, fully powered by doola.\n\n![uploaded image](/media/?type=post&id=84459&key=user_uploads/306058/2dca792c-361f-499f-9010-ca14df3d7bcf)\n\nHere’s what the API can do for you:\n\n⚙️ **Streamline Operations**: Automate formation, bookkeeping, and tax compliance for your users, simplifying their back-office needs from start to finish — all while we handle the complexities.\n\n📈 **Unlock New Revenue Opportunities**: Whitelabel doola’s comprehensive services or integrate them into your platform, giving your customers a full-suite solution and adding new revenue streams to your business. \n\nImagine your platform being the place where users can form their US LLCs, stay compliant, and handle all their bookkeeping and tax filings, without lifting a finger. Whether you're helping e-commerce sellers, SaaS entrepreneurs, or creators, our API equips you to offer this seamlessly.\n\n**Interested in partnering with doola?**\n\n[Talk to our team today](https://doola.com/bookkeeping/white-label-bookkeeping-tax-api), and let's team up to help more founders start, run, and grow their dream businesses.", "url": "https://www.ycombinator.com/launches/LyF-doola-white-label-bookkeeping-and-tax-api", "votes": 6, "created_at": "2024-10-02T15:11:11.664Z" }, { "id": 78385, "title": "💸 doola Money - Start an LLC, store $USD, and move money globally in minutes", "tagline": "We empower global founders by helping them set up a US business without handling any complex paperwork.", "body": "Hey everyone! 👋\n\nWe’re thrilled to announce doola’s new fintech product for global entrepreneurs, which is now open to the YC community.\n\n![uploaded image](/media/?type=post&id=78385&key=user_uploads/306058/da2575af-7711-44ef-9f55-536803a6edab)\n\nAt doola, our mission is to empower global founders by helping them set up a US business without handling any complex paperwork.\n\nIn addition to business formation and tax compliance, doola’s new product will now allow global businesses and founders to deposit $USD and move money internationally from any continent, with no US Social Security Number required.\n\ndoola Money is a payment account that enables users to do a few things, including:\n\n* depositing and storing US dollars\n* making ACH and wire payments in the US\n* send money internationally using FX or currency exchange transactions\n* use your doola Money account for payouts from processors like Stripe or PayPal\n\nWhether you’re a seasoned entrepreneur or a first-time business owner, doola Money opens doors to international transactions without the hassles of social security numbers or credit histories.\n\nWe’re excited to continue empowering founders across the globe to turn their dream idea into their dream US businesses.\n\nYC companies can get early access to [doola Money](https://doola.com/money) today! 🚀\n\nYou can read and watch all about how to use doola Money here on [doola University](https://www.doola.com/university/a-guide-to-using-doola-money/).\n\nYou can check us out on [Product Hunt](https://www.producthunt.com/posts/doola-money).\n\nAnd you can see the coverage on social here ([LinkedIn](https://www.linkedin.com/posts/mahadevanarjun_doolas-biggest-announcement-of-the-year-activity-7163166871607840768-L5ZO?utm_source=share&utm_medium=member_desktop) | [Twitter](https://twitter.com/ArjunMahadevan/status/1757403567294435728?s=20)).", "url": "https://www.ycombinator.com/launches/KOH-doola-money-start-an-llc-store-usd-and-move-money-globally-in-minutes", "votes": 7, "created_at": "2024-02-13T15:33:58.929Z" }, { "id": 67380, "title": "doola Company Formation API 🔮", "tagline": "Create a US company from the command line and unlock a new revenue stream.", "body": "Hey everyone! 👋\n\nWe’re excited to open our [Company Formation API](https://www.doola.com/company-formation-api?utm_source=launchyc&utm_medium=listing&utm_campaign=formationapi) up to the YC community. 🥳\n\nAt doola, our mission is to help anyone turn their dream idea into their dream US business from anywhere in the world. To enable this for founders meant handling all the complex paperwork — something we spent hours manually filing forms with the state and IRS.\n\nThere had to be a better way. So we built a Formation API in-house. Today, we can file companies with the state in minutes upon receiving information from a founder. And we can do this for founders, 100% remotely, from anywhere in the world.\n\n![uploaded image](/media/?type=post&id=67380&key=user_uploads/306058/5cf78b55-cc08-4719-96e1-e41eb621a5c8)\n\nThe API we have built can now empower businesses of all types and sizes to offer US company formation and ongoing compliance at scale, fully powered by doola.\n\nThis now allows companies to use the tech we’ve built to:\n\n* ⚙️ Streamline operations and outsource formations and filings to doola’s automation.\n* 📈 Drive new revenue streams by offering a new product to your customer base (white-labeled or powered by doola).\n\nWe’re excited to continue empowering founders across the globe to turn their dream idea into their dream US businesses.\n\nYC companies can [access our API today,](https://www.doola.com/company-formation-api) and be sure to read through our [API docs](https://www.doola.com/company-formation-api) as well! 🚀\n\nYou can read all about how we’re building our API [here](https://www.doola.com/blog/doola-company-formation-api) on our company blog.", "url": "https://www.ycombinator.com/launches/HWm-doola-company-formation-api", "votes": 44, "created_at": "2022-11-17T14:26:22.378Z" }, { "id": 67114, "title": "doola Banking", "tagline": "A new way for LLCs to bank and build credit in the US", "body": "Hey everyone! 👋\n\nWe’re so excited to share the launch of [doola Banking](https://www.producthunt.com/posts/doola-banking)! 🏦\n\n[doola](https://www.doola.com) helps global entrepreneurs form U.S. LLCs and DAO LLCs by supporting customers through the incorporation process so they can confidently collect payments, build credibility, stay legal, and make more money.\n\nTo date, doola has provided company formation, an EIN, a U.S. address, access to U.S. payments, tax consultations, U.S. tax support, $50,000 in startup perks, and today…\n\n… access to a US business bank account.\n\n![uploaded image](/media/?type=post&id=67114&key=user_uploads/306058/0cdb4068-a0de-4d8e-99ef-62def675c5c4)\n\n**We’re essentially enabling a new way for LLCs to bank and build credit in the US.**\n\nOur strategy is to deliver a seamless experience to help businesses on their path to growth. We’re engaging our customers with personalized insights, timely recommendations, cash management, team management, account tracking, and financial content, all to optimize daily financial operations — using the superpowers of a feature-rich digital bank.\n\n![uploaded image](/media/?type=post&id=67114&key=user_uploads/306058/db2e4e4f-2497-42bf-bd1e-ed92dd9e4f13)\n\nWe are now an all-in-one platform to:\n\n* 🗂 Register your US LLC or DAO LLC\n* 🏦 Open your US bank account\n* ✅ Keep your LLC compliant with Total Compliance (State Filings, IRS Filings, and Bookkeeping).\n\nAll. In. One. Go. No US SSN required.\n\nWe’re excited to continue empowering founders across the globe to turn their dream idea into their dream US business.\n\n[Check out doola Banking on Product Hunt as well!](https://www.producthunt.com/posts/doola-banking)", "url": "https://www.ycombinator.com/launches/HSU-doola-banking", "votes": 17, "created_at": "2022-11-03T19:34:35.214Z" } ] }, { "id": 21914, "name": "Bits", "slug": "bits", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a9bf92f9b0437d70db620043c549128e728377e7.png", "website": "https://www.getbits.app", "all_locations": "London, England, United Kingdom", "long_description": "", "one_liner": "Bits is a credit card designed to help people build credit", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1595278564, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bits", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/bits.json", "year_founded": 2019, "city": "London", "country": "GB", "linkedin_url": "", "x_url": "https://twitter.com/getabit", "fb_url": "https://www.facebook.com/getabit", "cb_url": "https://www.crunchbase.com/organization/fea-card", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a9bf92f9b0437d70db620043c549128e728377e7.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": 13498, "full_name": "Faisal Khalid", "title": "Founder", "founder_bio": "Harvard College AB '02\n\n", "is_active": true, "linkedin_url": "http://uk.linkedin.com/in/faisalkhalid", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2db6b8e5ab32cc2de0bf0b71c728028f9787bb00.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 21915, "name": "Atomic", "slug": "atomic", "former_names": [ "Flux" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bc20422fbdc3ca0c042b7c1e1ec6ecdab198bf2.png", "website": "https://www.atomicvest.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "With our API any company that holds consumer deposits (e.g. savings apps) can easily embed professionally managed investment accounts into their services.", "one_liner": "API that lets companies embed investment accounts into their services", "team_size": 25, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1597788333, "tags": [ "Fintech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Retail" ], "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/atomic", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/atomic.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bc20422fbdc3ca0c042b7c1e1ec6ecdab198bf2.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": 480203, "full_name": "David Dindi", "title": "Founder", "founder_bio": "David (CEO) earned his BSc. and MSc. from Stanford University in a combination of Chemical Engineering and Computer Science (AI focus). He served as a Quantitative Analyst at Makena Capital, a global investment firm managing approximately $19 billion for endowment and taxable investors, and as Quant at Evidence Based Portfolio Management, one of the DACH region’s leading family offices. David is very passionate about making best-in-class wealth management accessible to every single human being. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/david-dindi-2a532a48", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b92e2a902ad37885dab475b9ab103832b2138248.jpg" } ], "jobs": [ { "id": 43777, "title": "Senior Backend Engineer - Golang", "url": "https://www.ycombinator.com/companies/atomic/jobs/YGfhkDP-senior-backend-engineer-golang", "location": "Remote / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Go", "Kubernetes" ] }, { "id": 95060, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/atomic/jobs/XWj8902-backend-engineer", "location": "Mountain View, CA, US / New York, NY, US / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $200K", "equity_range": "", "experience": "1+ years", "visa": "Will sponsor", "skills": [] } ], "news": [ { "title": "Atomic Raises $30 Million to Accelerate Global Expansion of Its Embedded Investing Platform", "url": "https://www.atomicvest.com/news/atomic-raises-30-million-to-accelerate-global-expansion-of-its-embedded-investing-platform", "date": "Aug 27, 2025" }, { "title": "This Platform Provides The Infrastructure For Opening Up Sophisticated Investing To Regular People", "url": "https://www.forbes.com/sites/annefield/2022/01/24/this-platform-aims-to-open-up-sophisticated-investing-to-regular-people/", "date": "Jan 25, 2022" }, { "title": "Atomic launches an investing API for fintechs with $25M in funding", "url": "https://www.atomicvest.com/news/atomic-series-a/", "date": "Nov 11, 2021" } ], "launches": [] }, { "id": 21916, "name": "MarketForce", "slug": "marketforce", "former_names": [ "MarketForce360", "MarketForce 360" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/47474d142b3a5ac7409ff5112dba8ad5d041cf6d.png", "website": "https://marketforce.io", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "MarketForce empowers neighbourhood merchants in Africa to source, order and pay for inventory digitally and conveniently, access a banking wallet with credit facilities, collect digital payments and earn extra income by offering agency baking services and reselling digital financial services such as airtime, electricity tokens and bill payments in their communities. \r\n\r\nIncorporated in 2019, MarketForce is a fast-growing company running an asset-light business model and is currently operational in 5 markets in Sub-Saharan Africa, with over 200,000 merchants and 180 consumer brands trading on the platform.", "one_liner": "The SuperApp for neighbourhood merchants in Africa. ", "team_size": 400, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1596040819, "tags": [ "Fintech", "Marketplace", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Retail" ], "regions": [ "Kenya", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/marketforce", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/marketforce.json", "year_founded": 2018, "city": "Nairobi", "country": "KE", "linkedin_url": "https://www.linkedin.com/company/marketforcehq", "x_url": "http://twitter.com/marketforcehq", "fb_url": "http://facebook.com/marketforcehq", "cb_url": "https://www.crunchbase.com/organization/marketforce360", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/47474d142b3a5ac7409ff5112dba8ad5d041cf6d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 415905, "full_name": "Mesongo Sibuti", "title": "Founder", "founder_bio": "A Forward-thinking Techprenuer and Software Architect specializing in the design, development, and scaling of technology-enabled platforms with a special interest in the field of B2B Services, Last Mile Distribution, and Data Science.\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/mesongo", "x_url": "https://twitter.com/mesongo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0cd12eed6c8a6d2aa31823356513f44ec39ed552.jpg" }, { "user_id": 278427, "full_name": "Tesh Mbaabu", "title": "Founder", "founder_bio": "Tesh is a creative and strategic thinker from both a product and commercial perspective; experienced in business process automation and building startups in the African scene, where I focus on business development, growth and partnerships. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/teshmbaabu", "x_url": "http://twitter.com/teshmbaabu", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e37af00d290505282602e1a5b559fe3ffb348a15.jpg" } ], "jobs": [], "news": [ { "title": "MarketForce raises $40 million Series A, introduces BNPL merchant stock financing – TechCrunch", "url": "https://techcrunch.com/2022/02/21/marketforce-raises-40-million-series-a-introduces-bnpl-merchant-stock-financing/", "date": "Feb 21, 2022" }, { "title": "MarketForce partners with Cellulant to expand in five new markets across Africa as it races to cover continent – TechCrunch", "url": "https://techcrunch.com/2021/12/05/marketforce-partners-with-cellulant-to-expand-in-five-new-markets-across-africa-as-it-races-to-cover-continent/?tpcc=tcplustwitter", "date": "Dec 05, 2021" }, { "title": "Kenya’s MarketForce raises $2M, plans to focus on its B2B retail marketplace RejaReja – TechCrunch", "url": "https://techcrunch.com/2021/07/08/kenyas-marketforce-raises-2m-plans-to-focus-on-its-b2b-retail-marketplace-rejareja/?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAB-aq1_SIDxxgEbS3t58vwGDSZ3BuFTYBmtWkysdllPffnmsYFWJIcwM4bIfbkTfCe7Dhrbj6kBH2DPOxP7Lv_MHRL4vwOmeV1mNx-9FcIbxvLDuI8duW0VjQwWwD_GmiNfx-pkvFq6GuNsfOWRgU3NXFjJb2RXk5trR_Ak6P6l1", "date": "Jul 08, 2021" }, { "title": "Kenya’s MarketForce 360 Bags US$350,000 Seed Round Led by ViKtoria Ventures (VBAN) - Founder360°", "url": "https://founder360mag.com/kenyas-marketforce-360-bags-us350000-seed-round-led-by-viktoria-ventures-vban/", "date": "Jun 29, 2021" }, { "title": "Kenya’s MarketForce acquires Digiduka to consolidate distribution of consumer goods with digital financial services - Disrupt Africa", "url": "https://disrupt-africa.com/2021/06/15/kenyas-marketforce-acquires-digiduka-to-consolidate-distribution-of-consumer-goods/", "date": "Jun 14, 2021" } ], "launches": [] }, { "id": 21996, "name": "Plerk", "slug": "plerk", "former_names": [ "isibit" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/35a9be04900715d4438b247464cf89a9e6b3e6a3.png", "website": "https://www.plerk.io", "all_locations": "Guadalajara, Jal., Mexico; Remote", "long_description": "We help companies to give local and remote employees flexible benefits and perks, no matter geography.\r\nA virtual card with benefits to pay for flexible perks for local and remote teams worldwide. Companies define budget, choose the programs of perks as general or granular as they decide, deploy money and give employees the power to decide the merchant. Company has total control, just one bill. Employees choose what they really need and want.", "one_liner": "Acquired by Minu.mx - Fintech solutions for employees, starting with…", "team_size": 28, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1596562699, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Acquired", "industries": [ "B2B", "Operations" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/plerk", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/plerk.json", "year_founded": 2019, "city": "Guadalajara", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/plerk", "x_url": "https://twitter.com/PlerkHQ", "fb_url": "https://www.facebook.com/plerk.io", "cb_url": "https://www.crunchbase.com/organization/plerk", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/35a9be04900715d4438b247464cf89a9e6b3e6a3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 460858, "full_name": "Miguel Medina", "title": "Founder", "founder_bio": "I'm a Mexican entrepreneur who's been in the tech industry for 15+ years. I've had the privilege to work with companies like Apple and Danone and joined Rappi as early employee. I co-founded Isibit, which started as a business travel platform. Accepted into YC S20. During COVID-19, we pivoted into Plerk, a flexible perks solution. We managed to raise over $12M before being acquired by Minu.mx. Recently, I became part of Latitud, and I'm excited about supporting the LATAM startup ecosystem. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/mikemedina20", "x_url": "https://twitter.com/mikemedina___", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e4108027e2d623a47ca892d60b46b1d3a9eff37f.jpg" }, { "user_id": 487559, "full_name": "Angel Arias", "title": "Founder", "founder_bio": "MBA, ex-Early Rappi employee", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aeduardoac/", "x_url": "https://twitter.com/AEduardoAC", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/826bed8053a39cee5be4c642f9d9227b6c5fcb93.jpg" }, { "user_id": 486383, "full_name": "Antonio Martinez Quintero", "title": "Founder", "founder_bio": "Former CTO of Plerk (YC S20, acquired by Minu). Built the company from first commits through YC batch and Series A. Led a 50+ engineering team within a 152-person company.\nArchitected a regulated financial perks and benefits platform.\n\nNow CEO & Founder of Iteris (iteris.tech) — a product studio shipping AI systems, developer tools and client solutions. 6 products shipped with the same 5-person core team\nfrom Plerk. \n\nB.Eng. Computer Science, Tec de Monterrey.", "is_active": true, "linkedin_url": "https://linkedin.com/in/joseantoniomtzq", "x_url": "https://twitter.com/dPeluChe", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/be7359cc278c9032d7314aaf0c25d216c2827bd0.jpg" } ], "jobs": [], "news": [ { "title": "Startups mexicanas Minu y Plerk se fusionan para reforzar mercado de las prestaciones", "url": "https://www.bloomberglinea.com/2023/02/20/startups-mexicanas-minu-y-plerk-se-fusionan-para-reforzar-mercado-de-las-prestaciones/", "date": "Feb 20, 2023" }, { "title": "Mexico’s Plerk Lands $12M Investment Led By SoftBank Spinoff Upload Ventures", "url": "https://www.bloomberglinea.com/english/mexicos-plerk-lands-12m-investment-led-by-softbank-spinoff-upload-ventures/", "date": "Aug 29, 2022" } ], "launches": [] }, { "id": 22001, "name": "Tydo", "slug": "polyops", "former_names": [ "PolyOps" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48848c19693fc99f897c757145ed09f04881b72f.png", "website": "https://www.tydo.com", "all_locations": "Los Angeles, CA, USA", "long_description": "Tydo’s Customer Intelligence Platform is a complete data warehouse built for AI powered customer insights. No engineer required.", "one_liner": "Turn your data into intelligence", "team_size": 14, "industry": "B2B", "subindustry": "B2B -> Analytics", "launched_at": 1598737634, "tags": [ "Fintech", "SaaS", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Inactive", "industries": [ "B2B", "Analytics" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/polyops", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/polyops.json", "year_founded": 2020, "city": "Los Angeles", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tydo", "x_url": "https://twitter.com/TydoTweets", "fb_url": null, "cb_url": null, "github_url": "https://github.com/tydo", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/48848c19693fc99f897c757145ed09f04881b72f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 117006, "full_name": "Scott Sonneborn", "title": "Founder", "founder_bio": "tydo", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/scottsonneborn/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aad7c75efff3004f9b9d078f44f07c2baa6476bd.jpg" }, { "user_id": 492786, "full_name": "Manav Kohli", "title": "Founder", "founder_bio": "Portland, Oregon native. Cofounded Tydo, now at Ribbit Capital.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/manavkohli/", "x_url": "https://twitter.com/manavsinghkohli", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/19d925b7f930f6a32f5c36abde9ab64ffd7e0a68.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 22003, "name": "Decentro", "slug": "decentro", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/26546d4be80e83088bea9fc9e77f6aa3cd234174.png", "website": "https://decentro.tech", "all_locations": "Bengaluru, KA, India; Delhi, DL, India; Singapore, Singapore", "long_description": "Almost every company that has to integrate with the legacy financial institutions, faces several challenges when it comes to the product cycle. Not only are the APIs and documentations less available, but they are also old school and ridden with errors and loopholes. \r\n\r\nOn top of that, the lack of a single point of contact from the underlying institutions, makes the already long integration cycle of 5 months feel like a temple run between different departments. And since those services break and update over time, you can imagine the nightmare in terms of coordination between the tech teams. \r\n\r\nWe are a full-stack platform where you can come, select your desired modules, play in the sandbox, and launch your product with the APIs and SDKs within a couple of weeks! Not only that, but we also take care of all upcoming fixes, iterations, and updates without breaking any flow.\r\n\r\nIt's that easy, as it should be. Welcome to the future.", "one_liner": "API Platform for Banking Integrations (Plaid for India and APAC)", "team_size": 60, "industry": "B2B", "subindustry": "B2B -> Engineering, Product and Design", "launched_at": 1595174841, "tags": [ "Banking as a Service", "Fintech", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "B2B", "Engineering, Product and Design" ], "regions": [ "India", "Singapore", "South Asia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/decentro", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/decentro.json", "year_founded": 2020, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/decentro/", "x_url": "https://twitter.com/DecentroTech", "fb_url": "https://facebook.com/Decentro-104637704449006/", "cb_url": "https://www.crunchbase.com/organization/decentro", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/26546d4be80e83088bea9fc9e77f6aa3cd234174.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/39a5337ae5a98a42c23e6dc98a294c6349b41a20.png" ], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 475000, "full_name": "Rohit Taneja", "title": "Founder", "founder_bio": "My aim in life is to contribute to the world by solving some of the toughest problems that exist. \n\nI believe that to run a technology venture, the culture needs to be set from the foundation and only a highly knowledgeable and passionate person can get it right. That is why I strive to be a polymath. \n\nThe domains that I am planning to work on (sequentially over the course of my lifetime) are - \n1. Digital payments \n2. Block-chain \n3. Sustainability & Climate Change", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rohit-taneja-69b30b13/", "x_url": "https://twitter.com/sunnyboyrohit", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2b1dce988335ea7a50e3f5f69a71ae2380311281.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator-Backed Decentro Acquires SaaS Fintech Neowise Technologies", "url": "https://inc42.com/buzz/y-combinator-backed-decentro-acquires-saas-fintech-neowise-technologies/", "date": "Jul 19, 2023" }, { "title": "Fintech startup Decentro begins operations in Singapore", "url": "https://www.cnbctv18.com/startup/fintech-startup-decentrotech-begins-operations-in-singapore-15995891.htm", "date": "Feb 21, 2023" }, { "title": "Rapyd Ventures backs Indian fintech-as-a-service startup Decentro • TechCrunch", "url": "https://techcrunch.com/2022/10/31/y-combinator-backed-decentro-fintech-series-a-funding/", "date": "Oct 31, 2022" } ], "launches": [ { "id": 103475, "title": "Decentro goes global | Multi-Currency Payment Collections", "tagline": "Launching global payments & treasury from GIFT city for the world. ", "body": "Hey YC community, we’re Rohit and team from **Decentro (YC S20)**, a full‑stack banking and payments API player from India.\n\nOver the last few years, we’ve helped thousands of businesses plug into Indian banking, KYC, and payments infrastructure with simple APIs; now we’re extending that to global payments with our new **GIFT‑based PSP** and cross‑border collection stack.\n\n## **The problem – global money in & out**\n\nIf you’re a trade finance player, marketplace, or fintech scaling globally, you probably live in some version of this mess:\n\n* Multiple PSPs and bank partners across countries, each with different compliance, FX, and payout rules.\n* Long, opaque onboarding cycles for cross‑border flows.\n* Fragmented reporting across acquirers, currencies, and entities, making reconciliation and compliance audits painful.\n* A fast‑moving regulatory environment (IFSCA, FEMA, local regimes) where a misstep can mean blocked flows or penalties.\n\nThis slows down companies that should be focusing on building products and acquiring customers, not chasing bank RM emails and interpreting circulars.\n\n## **What we’re building – a compliant global PSP rail via GIFT**\n\nWe’ve become one of the first Indian payment aggregators to receive a final PSP license from IFSCA at GIFT City, and we’re wrapping that into a developer‑first global payments platform.\n\nAt a high level, here’s how it works:\n\n* Single API / dashboard to collect global payments: Accept from international customers via cards, local methods, and bank transfers across multiple currencies, and settle into GIFT City or onshore INR.\n* Built‑in compliance and reporting: We abstract GIFT City PSP rules, documentation, and transaction reporting so finance and compliance teams get ready‑to‑use exports and views.\n* Faster settlement and better visibility: Unified ledgers and payout flows across corridors and partners, with clear T+ timelines, FX details, and status notifications.\n* Modular APIs: Use us just as a cross‑border collection layer, or plug into the broader Decentro stack (KYC, domestic payouts, banking APIs) if you want a full‑stack infra partner.\n\n## **Why we started working on this**\n\nAt Decentro, we began by solving for domestic Indian banking and payments APIs after running into fragmentation and long integrations at our previous companies.\n\nAs our customers scaled, the same questions kept coming up:\n\n* “Can you help us collect from global customers and settle into our desired currency?”\n* “Is there a compliant way to route this via GIFT City without adding three more partners?”\n\n## **How it works – product flow**\n\nHere’s a typical integration:\n\n1. Configure your entity and use case (SaaS, marketplace, B2B payments, etc.) in our console, including purpose codes and underlying documentation.\n2. Integrate our hosted checkout or APIs to start accepting payments in supported currencies and methods from your customers.\n3. We route funds through our GIFT PSP stack, run compliance checks, and handle FX and settlements into your designated accounts.\n4. Your finance and compliance teams use our dashboard and webhooks for reconciliation, returns, chargebacks, and regulatory reporting.\n\n## Here’s a walkthrough video - \n\nIf you’re:\n\n* A SaaS or B2B company selling globally and settling into India.\n* A marketplace, fintech, or infra company that needs compliant cross‑border rails via GIFT City.\n* Or an existing YC company that wants to expand to Indian or India‑linked flows.\n\nWe’d love to chat.\n\n* Website: \n* Global PSP product page: [**https://decentro.tech/global/gift-psp**](https://decentro.tech/global/gift-psp)\n* YC founder: Rohit (Founder & CEO, Decentro – YC S20)\n\nComment here, or reach out and mention “Integrate YC PSP” so we can prioritize your onboarding and, if relevant, help you navigate the GIFT / IFSCA side as well.\n\nCheers!", "url": "https://www.ycombinator.com/launches/Qux-decentro-goes-global-multi-currency-payment-collections", "votes": 27, "created_at": "2026-06-25T19:24:52.100Z" } ] }, { "id": 22004, "name": "Notabene", "slug": "notabene", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b0f2c4947976db4329789cc22f30a10206acb57.png", "website": "https://notabene.id", "all_locations": "New York City, NY, USA", "long_description": "Notabene helps businesses perform crypto transactions in a regulatory compliant way. Think of us as the SWIFT network for Crypto.\r\n\r\nNew global regulations for crypto transactions are here and will be enforced over the next year. 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Yaykuy Bitcoin Chile founder. Consensys / uPort co-founder. Notabene co-founder and CTO. Micael Waldorf School co-founder. Have a lovely wife and two awesome kids.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ajunge", "x_url": "https://twitter.com/ajunge_m", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bfa9c8feb61da15639c181ea931c6e1e9d0327d7.jpg" }, { "user_id": 489564, "full_name": "Ania Lipinska", "title": "Founder", "founder_bio": "Ania is a UX designer and Head of Product at Notabene. She has experience leading a variety of design projects for both start-ups and established companies (Comcast, Booking.com, Blade). \nShe brings an unapologetically customer-centric approach to the team.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ania-lipinska/", "x_url": "https://twitter.com/LipinskaAnna", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bcba2b07339d724fa4d005bf8540cf99d4a2a175.jpg" }, { "user_id": 489168, "full_name": "Alice Nawfal", "title": "Founder", "founder_bio": "Alice Nawfal is COO of Notabene. Her role is to combine business strategy with hands-on execution, while navigating a complex regulatory landscape. Prior to Notabene, she co-lead uPort, a platform for user-controlled data. She comes from a management consulting and policy background, having worked at Bain and the Economist, as well as fintechs like Prodigy Finance and norbloc. She has an MBA from Wharton, a policy degree from the Harvard Kennedy School, and Math/Economics degrees from MIT.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alicenawfal/", "x_url": "https://twitter.com/na_alice", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e22d02b49636991b8de1847615c145f9fbce641c.jpg" } ], "jobs": [ { "id": 77168, "title": "Sales Director, Americas (Institutional)", "url": "https://www.ycombinator.com/companies/notabene/jobs/dWkUMzI-sales-director-americas-institutional", "location": "New York, NY, US / Remote (New York, NY, US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Crypto Anti-Money Laundering Specialist Notabene Raises $14.5M Series B Led by DRW", "url": "https://www.coindesk.com/business/2024/11/12/crypto-anti-money-laundering-specialist-notabene-raises-145m/", "date": "Nov 12, 2024" }, { "title": "Notabene raises $10.2M to help crypto exchanges comply with new global regulations – TechCrunch", "url": "https://techcrunch.com/2021/11/08/notabene-raises-10-2m-to-help-crypto-exchanges-comply-with-new-global-regulations/", "date": "Nov 08, 2021" } ], "launches": [] }, { "id": 22022, "name": "Memberstack", "slug": "memberstack", "former_names": [ "Memberstack Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3f928c1bbbe5bb0fb2a114872be6bf1ee17a9f0d.png", "website": "https://www.memberstack.com", "all_locations": "Williamsburg, VA, USA; Remote", "long_description": "3,000 companies have generate over 130 million dollars in recurring revenue. \r\n\r\nCompanies like American Airlines, Slack, Entreprenuer.com, Webflow, and reddit use Memberstack to serve millions of members every single day.\r\n\r\nNo code if you need it, tons of APIs if you need those, and 100% design control so that you can build any frontend. 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About 70% of the population in the region has never received formal financial education, and do not have the right tools to teach their children. In Brazil and Mexico alone, parents give more than $10B each year in pocket money to kids. Currently, parents must choose between giving their kids cash or handing over their own credit/debit cards. Mozper is a debit card and app where parents can give their kids an allowance, set spending rules (so they can't blow it all on video games), assign chores and even create and track savings goals. Mozper is currently available in Mexico.", "one_liner": "A debit card and app designed for kids and parents in Latin America", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1596636271, "tags": [ "Education", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2020", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/mozper", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2020/mozper.json", "year_founded": 2019, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/mozper/", "x_url": "https://twitter.com/mozper_mx", "fb_url": "https://www.facebook.com/mozper/", "cb_url": "https://www.crunchbase.com/organization/mozper", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/216a6e07dede9ac5b1fc2ad27dd31d615b856d99.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 500265, "full_name": "Gabriel Roizner", "title": "Founder/CEO", "founder_bio": "Experienced marketing and product leader with 10+ years of work in fintech and consumer apps across Latin America. I have led customer acquisition efforts, improved user engagement, and optimized product features for growth. I have launched and expanded products in Mexico, Brazil, and other LATAM markets while overseeing operations and managing teams of up to 43 people. I have also led large-scale marketing campaigns and introduced new revenue streams.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gabrielroizner/", "x_url": "https://twitter.com/groizner", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dc2ec11f0e041bea3bd273479aaa97e9debc8ba0.jpg" }, { "user_id": 499191, "full_name": "Yael Israeli", "title": "Founder", "founder_bio": "Yael is an authentic, energetic and caring leader, relentlessly focused on delivering results. She started her career in investment banking in New York at Lehman Brother and Barclays Capital. Moving to Panama, she set up a boutique finance and strategy consultancy which eventually gained her expertise in startups. Yael is CFO of Mozper, a Fintech targeting the pre-banked youth population. She is also the Treasurer of Mujeres Brillando, a NFP helping women entrepreneurs develop their businesses. 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We find creators, ship products, curate formats, write scripts, coach creators, & edit videos. Don't pay until you review 6 scripts. Get ads in 12–16 days. Full refund if you don't love them.\n\nBacked by $30M+ from Founders Fund, OpenAI + Google leaders, Saquon Barkley, & more. College dropout at 19. Solo-founded Skio ($105M cash exit, $8M raised). Top 200 NA League of Legends, YC S20, Pinterest.", "is_active": true, "linkedin_url": "https://linkedin.com/in/kennanfrost", "x_url": "https://x.com/intent/user?screen_name=icon", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/29563710411600c5d672825aa5b2574db808d84f.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator alum Skio sells for $105M cash, only raised $8M, founder says | TechCrunch", "url": "https://techcrunch.com/2026/04/30/y-combinator-alum-skio-sells-for-105m-cash-only-raised-8m-founder-says/", "date": "Apr 30, 2026" }, { "title": "Demand Curve: How I’d grow Skio – TechCrunch", "url": "https://techcrunch.com/2022/04/05/how-to-choose-a-growth-strategy-startup/", "date": "Apr 05, 2022" }, { "title": "Skio raises $3.7M to help brands on Shopify sell subscriptions – TechCrunch", "url": "https://techcrunch.com/2021/12/23/skio-raises-3-7m-to-help-brands-sell-subscriptions/", "date": "Dec 23, 2021" } ], "launches": [] }, { "id": 22062, "name": "Minimum", "slug": "minimum", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b78dcbf965687690921cec75149b2af9b5bd15be.png", "website": "https://minimum.com", "all_locations": "London, England, United Kingdom", "long_description": "Minimum lets you calculate, report on, and reduce the carbon emissions of your business, whether you're a corporate or an investment fund.", "one_liner": "Helping corporates achieve Net Zero through tech solutions. 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GroMo has built a network of 1.2 million agents on its platform. GroMo has built a tech-enabled social commerce platform that helps agents not only improve access to better financial products for consumers, but also bridge the financial literacy gap by helping them choose the right offerings. 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He is a serial entrepreneur with failures and successful exits. Prior to GroMo, he was Founding Member and COO of Unicommerce (listed on NSE in India), and co-founder of Priyaasi (acquired by Mensa Brands). He graduated from IIT Delhi and has 15+ years of experience in a hedge fund, e-commerce, SaaS, fintech. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ankitkhandelwal1987/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7dd5ef75cf96d4fbbc972551ea8fbb2e0a801993.jpg" }, { "user_id": 338025, "full_name": "Darpan Khurana", "title": "Founder", "founder_bio": "I am a co-founder at GroMo. Prior to GroMo, I worked with Snapdeal and Housing.com (both backed by Softbank) in various roles across Strategy, and Business Intelligence. I have also worked at Oracle as a Software Engineer. I am interested in emerging trends in Fintech both in India and across the world. I am an avid basketball follower and a big Golden State Warrior fan.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/khuranadarpan/", "x_url": "https://twitter.com/me_DKhurana", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/77e22c49f7f0494e40d12ffaa524fffbe25e1dda.jpg" } ], "jobs": [ { "id": 96054, "title": "Growth Marketer", "url": "https://www.ycombinator.com/companies/gromo/jobs/UktpC4L-growth-marketer", "location": "Gurugram, HR, IN", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "₹800K - ₹1.4M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Growth design", "Marketing design" ] }, { "id": 105388, "title": "Business Development Manager/ Enterprise Partnerships", "url": "https://www.ycombinator.com/companies/gromo/jobs/nT47LDg-business-development-manager-enterprise-partnerships", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "₹900K - ₹1.4M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 105492, "title": "Marketing Manager", "url": "https://www.ycombinator.com/companies/gromo/jobs/MDX800O-marketing-manager", "location": "Gurugram, HR, IN", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "₹1.5M - ₹2.4M INR", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "GroMo Raises $11 Mn To Partner With BFSI Players", "url": "https://inc42.com/buzz/gromo-11-mn-partner-bfsi-players-expand-reach/", "date": "Sep 06, 2022" }, { "title": "GroMo Raises $11 Million In Series A Funding", "url": "https://www.entrepreneur.com/article/434767", "date": "Sep 06, 2022" }, { "title": "gromo funding: GroMo raises $11 million in funding from SIG Venture Capital and others - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/funding/gromo-raises-11-million-in-funding-from-sig-venture-capital-and-others/articleshow/94025882.cms", "date": "Sep 06, 2022" }, { "title": "YC bets on India-based financial distribution focused firm’s $11m round", "url": "https://www.techinasia.com/yc-bets-indiabased-financial-distribution-focused-firms-11m", "date": "Sep 06, 2022" } ], "launches": [] }, { "id": 22702, "name": "Gerald Technologies, Inc", "slug": "gerald-technologies-inc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9d57c1e081948682acc0498a4a994ff60dd63f2a.png", "website": "https://www.joingerald.com", "all_locations": "New York City, NY, USA; Remote", "long_description": "Gerald is a Buy Now, Pay Later (BNPL) and cash advance app that provides users with financial flexibility without any fees—no service fees, no transfer fees, no interest, and no late fees. Unlike competitors that charge hidden fees or penalties, Gerald ensures users can shop now, pay later, and access cash advances without extra costs.\r\n\r\nGerald is on a mission to eliminate stress about paying bills, and provides:\r\nZero Fees—Ever – No interest, no late fees, no transfer fees, and no subscriptions.\r\nBuy Now, Pay Later (BNPL) with No Hidden Costs – Users can shop now and pay later with no interest or late fees, making purchases more manageable.\r\nFree Cash Advance Transfers – Users who shop using BNPL unlock free cash advance transfers with zero costs—no hidden fees, no percentage cuts, and no instant transfer fees.\r\nInstant Transfers for Eligible Users – Unlike other apps that delay transfers or charge extra for speed, Gerald provides instant transfers for eligible users at no cost.\r\n\r\niOS: https://apps.apple.com/us/app/gerald-cash-advance-app/id1569801600\r\nAndroid: https://play.google.com/store/apps/dev?id=8069558551988887008&hl=en_US\r\n", "one_liner": "Buy Now Pay Later + Cash Advance for Household Essentials", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1614620835, "tags": [ "Fintech", "Payments", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/gerald-technologies-inc", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/gerald-technologies-inc.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/gerald-app/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/gerald", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9d57c1e081948682acc0498a4a994ff60dd63f2a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 160519, "full_name": "Ola Okeshola", "title": "Founder", "founder_bio": "Founder joingerald.com\nex ceo @quick.me; conduet-med.com\nex-wallstreet executive - VP @ Neuberger Berman\n@yale @georgetown", "is_active": true, "linkedin_url": "http://www.linkedin.com/ola-okeshola", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/edae0d25384fee4e18e2d25462a57f84e55a0652.jpg" }, { "user_id": 593962, "full_name": "Nikos Karamolegkos", "title": "Founder", "founder_bio": "PhD from Columbia University\nEx-Data Scientist and Project Leader at Philips", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nikolaoskaramolegkos/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/adcbce7d7fb3044535f3deca2357a1307d341723.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 22705, "name": "JoinSub", "slug": "joinsub", "former_names": [ "Splitsub", "Splitsub Inc.", "Splitsub" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f6311ab798c568114d69f91d489b612d220383d.png", "website": "https://joinsub.com", "all_locations": "Delhi, DL, India; Palo Alto, CA, USA; Remote", "long_description": "We, at JoinSub, are empowering the Indian small and medium retailers to drive repeat purchases & maximize their revenue by building a subscription-based model. \r\n\r\nIndia has over 14 million retail outlets, and we are poised to revolutionize the Retail Sector and enhance the buying experience both for retailers and consumers. We are dedicated to co-creating a community of futuristic retailers who are ready to embrace tech for growth.\r\n\r\nOur Subscription Programs work wonderfully for everyone who is looking to drive repurchases, right from those in the F&B industry, to Salons, Nail Salons, Spas, Gyms, Yoga & Dance Studios, Coffee Shops, Bakeries, Dry Cleaners, Florists, etc. We can help you delight your consumers and accelerate your business, the JoinSub Way!", "one_liner": "India's first aggregator and provider of local business subscriptions", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1614962748, "tags": [ "Fintech", "B2B", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "United States of America", "South Asia", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/joinsub", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/joinsub.json", "year_founded": 2021, "city": "Delhi", "country": "IN", "linkedin_url": "https://in.linkedin.com/company/joinsub", "x_url": "https://twitter.com/myjoinsub", "fb_url": "https://www.facebook.com/joinsubs", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f6311ab798c568114d69f91d489b612d220383d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 347319, "full_name": "Dhruv Goel", "title": "Co-Founder / CEO", "founder_bio": "Engineer by choice and MBA from ESADE Business School, Spain. 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Our platform creates a rich credit profile of a trucking company by pulling 200+ data points from varied sources via consent APIs and instantly offers loans from multiple banking partners in less than 60 seconds. 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More than just a POS, Avocado combines order management, KDS, kiosks, and online ordering in one platform - and lets restaurants control everything with simple voice or text commands. Want to change your menu, check your sales, or optimize pricing? Just ask. 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We’re Nick Evans and Shayan Guha, co-founders of **Avocado** - a point-of-sale system for restaurants that now includes a **fully integrated AI assistant**. We’re thrilled to share our biggest update yet.\n\n![uploaded image](/media/?type=post&id=91825&key=user_uploads/258127/ce5f4736-b005-49ce-b579-8bf8596ce1e8)\n\n---\n\n## **🧠 The problem: running a restaurant is overwhelming**\n\nIndependent restaurant owners juggle dozens of tools, dozens of vendors, and constant interruptions - all while trying to serve food and keep customers happy. Managing the POS, updating menus, pulling sales reports, figuring out Instagram posts, dealing with changing prices… it’s a full-time job _on top of_ their actual full-time job.\n\nBut the real bottleneck? **Information is trapped in systems that don’t talk to each other**, and most POS systems are clunky, hard to use, or just dumb.\n\n---\n\n## **🍳 The solution: an AI agent that _knows_ your restaurant**\n\nAvocado is a POS system designed from the ground up to work with an AI assistant. Our agent understands your menu, your modifiers, your sales data, your customers, your staff - and it can take action across the system in real time.\n\n![uploaded image](/media/?type=post&id=91825&key=user_uploads/258127/4f4d0889-0077-48bd-a427-72d160f30492)\n\nYou can ask it:\n\n* “Add a matcha latte to the menu for $5.50”\n* “What’s my best-selling item on weekends?”\n* “Update all egg-based items to reflect the new cost of eggs”\n* “Create a social media post featuring today’s specials”\n* “Tell me which servers had the highest tips last week”\n\n…and it just **does it**. Right away. No UI to navigate, no learning curve, no training required.\n\n💡 This is more than a chatbot. This is a **restaurant-native AI agent** with full control over the POS, KDS, kiosk, and online ordering systems - like having a superpowered GM in your pocket.\n\n---\n\n# **Check out our launch video here**\n\nhttps://www.youtube.com/watch?v=O2QaQdDJlb0\n\n---\n\n# **✨ Here are some examples from the video:**\n\n**Prompt** “Add a matcha latte to the menu”\n\n![uploaded image](/media/?type=post&id=91825&key=user_uploads/258127/f4589fd7-69da-40c2-8d3f-a16fd766dbad)\n\n**Prompt** “Write an Instagram post announcing our new matcha lattes”\n\n![uploaded image](/media/?type=post&id=91825&key=user_uploads/258127/3e7c0988-ed76-486c-b3e0-e96ecb21629f)\n\n**Prompt** “Raise all the prices of my egg dishes by 10%, round to the nearest quarter”\n\n![uploaded image](/media/?type=post&id=91825&key=user_uploads/258127/0bfaae04-2776-442b-b3ba-3679ecedf2c7)\n\n**Prompt** “We’re out of bacon. Mark everything with bacon as out of stock.”\n\n![uploaded image](/media/?type=post&id=91825&key=user_uploads/258127/2f4ec1fd-7ff8-4720-bce0-753093934587)\n\n\\\n**👩‍🍳 Why we built Avocado**\n\nWe’ve worked with restaurants for years and have seen the same story over and over: people want to focus on hospitality and food - not software. But they were stuck with outdated POS systems or janky integrations between too many tools.\n\nSo we built Avocado to be the _last_ system a restaurant needs - tightly integrated hardware + software, a beautiful POS UI, and now, a deeply capable AI agent.\\\n(Also, we were frustrated that nobody else had done it right. So we did.)\n\n---\n\n## **📣 Call to action**\n\nWe're looking to work with independent restaurants, food trucks, cafes, and anyone tired of using 5 different tools to run their shop. If you want to try Avocado or just want to chat about what we’re building:\n\n📬 Email us: [founders@avocadopos.com](mailto:founders@avocadopos.com)\\\n📱 Text us: (512) 580-7988\\\n🌐 Website:[ https://avocadopos.com](https://avocadopos.com)\n\n---\n\n## **🙏 Asks**\n\n* If you know restaurant owners - especially in Texas or California - please send them our way.\n* We’d love feedback on the demo and ideas for what the AI agent should do next.\n\nThanks YC - can’t wait to hear what you think.\\\n**Nick & Shayan**\n\n![uploaded image](/media/?type=post&id=91825&key=user_uploads/258127/00157e2d-711b-4e9d-a612-d43f7e95d3b3)\n\n", "url": "https://www.ycombinator.com/launches/Nt3-avocado-restaurant-pos-with-a-built-in-ai-agent", "votes": 18, "created_at": "2025-07-03T13:21:35.353Z" } ] }, { "id": 22722, "name": "Pesto", "slug": "pesto", "former_names": [ "PingLend" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a632759d30777ac364558188cbef7a3323a9e28.png", "website": "https://www.getpesto.com/", "all_locations": "San Francisco, CA, USA", "long_description": "", "one_liner": "", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1617911102, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pesto", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/pesto.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a632759d30777ac364558188cbef7a3323a9e28.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 577450, "full_name": "James Savoldelli", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jamessavoldelli/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a242a3106c9ef8a2e8e3ade76d12b0f8a02ba1c9.jpg" } ], "jobs": [ { "id": 44374, "title": "Building a whole new type of credit card (ideally Bay Area/flexible) - 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We’re the team behind [Procoto](https://procoto.com/). We’re on a mission to make procurement software more accessible and affordable for everyone.\\\n\\\n**tl;dr:** Procoto makes running RFPs, tracking contracts, and managing vendors simple and affordable. We get procurement teams out of dense systems and spreadsheets without having to drop a hefty check on SAP or Coupa.\n\nAnd it’s self-service! No sales calls, redlines, or lengthy implementations. Snag our [YC launch offer](https://app.procoto.com/register?ref=yc) to get started!\n\n![uploaded image](/media/?type=post&id=71192&key=user_uploads/488165/ab363823-cd33-4b41-9d5e-05867dcf4d98)\n\n### **😤 The problem with procurement software**\n\nSmall and mid-market companies face the same sourcing, contract, vendor, and spend management challenges of larger organizations, but with fewer resources and without the funds for an enterprise procurement platform.\n\n* RFPs are conducted with spreadsheets and emails\n* Time is wasted searching for, selecting, and inviting vendors to bid\n* Contract terms, vendor information, and spend data are spread across systems\n* Person hours are dedicated to data management rather than securing better rates\n* Historical bidding and pricing disappear after the RFP\n* The alternative solution today is a six-figure annual agreement with one of the big boys\n\n### **😇 How we’re fixing it**\n\nProcoto eschews (bless you) the complexity and the feature bloat of enterprise procurement software. We keep it simple and user-friendly in a tool built for everyone. Procoto automates the collection of RFP, contract, and vendor information into a centralized system and highlights savings opportunities based on historical data.\n\n\n\n### 😍 **Community fav features**\n\n![uploaded image](/media/?type=post&id=71192&key=user_uploads/488165/d8592dd5-c2e2-4c7c-a311-5d8074c6eb9c)\n\n![uploaded image](/media/?type=post&id=71192&key=user_uploads/488165/9351376a-c992-482d-97d0-b34f049aed42)\n\n![uploaded image](/media/?type=post&id=71192&key=user_uploads/488165/39700cd7-521e-4664-ae5c-a319dd365891)\n\n### **🤡 Why us?**\n\nWe built procurement organizations at a couple of startups and have used 30+ of our competitors’ software. We lived the pain we’re solving for years and finally left to build the solution we couldn’t find Something self-service, customizable, with UI/UX from this decade, and built for users without supply chain degrees.\n\n### **🙏🏻 Our ask**\n\n* Give Procoto a whirl if you run RFPs, sign contracts, or work with third-party vendors\n* We’d love to talk to and learn from anyone in the procurement world, especially those in multi-site businesses:\n * Franchises\n * Hospitality\n * Restaurants\n * Apartment groups\n * PEs that manage any of the above\n\n### **👀 The YC Deal**\n\n* 30-day trial\n* Complimentary vendor and contract data cleanup\n* 40% off your first year if you go monthly ($59/mo)\n* 50% off your first year if you go annual ($479/yr)\n* [Redeem here](https://app.procoto.com/register?ref=yc)\n\nIf you’d like to learn more or have questions, shoot us an email at [michael@procoto.com](mailto:michael@procoto.com)!", "url": "https://www.ycombinator.com/launches/IWG-procoto-manage-rfps-contracts-and-vendors-with-ease", "votes": 7, "created_at": "2023-04-25T15:59:36.763Z" } ] }, { "id": 22869, "name": "Logica", "slug": "logica", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/16762085083dab3c42ea7e024432adbfac599f0d.png", "website": "https://logica.cloud", "all_locations": "Omaha, NE, USA; Remote", "long_description": "Logica helps finance teams with forecasting & budgeting. 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Grew up in Iowa, then lived in Seattle then Paraguay then Pittsburgh then Portugal then San Francisco.\n\nProfessional:\nMicrosoft > Peace Corps Paraguay > WhatsApp > Purpose", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/jon-sheller/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4f5833b59fad78c566a8c42a314bc6b7d5e6748e.jpg" }, { "user_id": 155870, "full_name": "Brendan Tobin", "title": "Founder", "founder_bio": "Personal:\nI love to travel and volunteer in my spare time.\n\nProfessional:\nSamsung > Credit Karma > Figure > Purpose\n+ Treasurer at SOMA West Community Benefit District", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/brendanltobin/", "x_url": "https://x.com/btobbes", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d22b7075a9cf8007f284c56ac119816427d75830.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 22887, "name": "R2", "slug": "r2", "former_names": [ "R2 Capital" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b369086fdabf6bd95df9f4c2751399f39b54f2fd.png", "website": "https://r2.co/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "R2 enables platforms to seamlessly offer capital to their SMB customers in Latin America", "one_liner": "Embedded lending infrastructure", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1614661647, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/r2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/r2.json", "year_founded": 2020, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/r2-cap/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b369086fdabf6bd95df9f4c2751399f39b54f2fd.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/df845de284f51122fe5551bd99701c2fde5519cf.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b96bfc93d9c8132137297e77209c3eac41ab2baa.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 543497, "full_name": "Roger Larach", "title": "Founder", "founder_bio": "I'm the Co-Founder and CEO of R2 (YC W21). 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Lover for new technologies, excels at building very strong partner/customer relations. \n\n", "is_active": true, "linkedin_url": "http://linkedin.com/in/alejandrozecler", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8d85fa191a86e857b4965723e56006e5e9fa0c8d.jpg" } ], "jobs": [], "news": [ { "title": "YC alum Mendel, a ‘Ramp for LatAm enterprises,’ raises $35M Series B | TechCrunch", "url": "https://techcrunch.com/2025/03/27/yc-alum-mendel-a-ramp-for-latam-enterprises-raises-35m-series-b/", "date": "Mar 27, 2025" }, { "title": "Mexico’s Mendel secures $35M to tackle LatAm’s corporate spend management problem – TechCrunch", "url": "https://techcrunch.com/2021/12/02/mexicos-mendel-secures-35m-to-tackle-corporate-spend-management-in-latam/", "date": "Dec 02, 2021" } ], "launches": [] }, { "id": 23260, "name": "Z1", "slug": "z1", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/605165bb447833feb31a6979c23f99a9bafbf954.png", "website": "https://z1.app/", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "Z1 is a digital banking app made for teenagers and young adults. 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Before Z1, he co-founded Vereda, an education startup focused on providing high-quality K12 education at affordable prices for the Brazilian middle-class. He started his career in investment banking at Itau BBA and also worked in the finance department at Kraft Heinz, where he headed LatAm treasury. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joaopedrothompson/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1f65485bc0aaec9af0f136b972440245c745fca7.jpg" }, { "user_id": 448805, "full_name": "Thiago Achatz", "title": "Founder", "founder_bio": "Thiago is co-founder and COO of Z1. Before that, he was part of the founding teams of Rappi (YCW16) and Grow (Grin YCS18 + Yellow), helping build the digital wallet at Grow. 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Before founding Z1, Sophie worked as a political researcher in São Paulo and lead YONE, a branding company based in NYC. Secaf specializes in socio-cultural research, consumer insights and brand strategy. She is particularly interested in subcultures and consumer behavior. She is also the co-founder of YAGA festival, a festival focused in the international exchange of global subcultures and queer perspectives.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sophie-secaf-b647b891", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/31e90c9b10d10efd30938fb0f1c27c43a76fac7d.jpg" } ], "jobs": [], "news": [ { "title": "Kaszek leads Z1’s latest round as it develops its bank app aimed at LatAm teens – TechCrunch", "url": "https://techcrunch.com/2021/11/22/kaszek-leads-z1s-latest-round-as-it-develops-its-bank-app-aimed-at-latam-teens/", "date": "Nov 22, 2021" } ], "launches": [] }, { "id": 23265, "name": "Mono", "slug": "mono", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b97c4db893c7132d2d6deeb08700784456ba75dc.png", "website": "https://mono.co", "all_locations": "Lagos, LA, Nigeria", "long_description": "We allow companies to access data from their customers bank accounts and allow them to debit money from these same bank accounts. 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Users can also buy airtime, data, and more — all securely, without leaving WhatsApp.\n\n**Problem**\n\nOWO solves a key problem: millions of Nigerians use WhatsApp daily, but can’t easily send money or pay bills from it. Traditional methods like USSD and banking apps are slow, unreliable, or hard to use.\n\n**Solution**\n\nWith OWO, users can now send money, buy airtime, and more — directly inside WhatsApp, using simple text or voice. No new app, no stress. It’s fast, secure, and built on Mono’s licensed infrastructure.\n\nFor the first time, 100M+ Nigerian bank account holders can move money as easily as sending a message — and soon, across Africa.\n\nhttps://youtu.be/f0UC5JDBRAU\n\n**Ask**\n\nWe just crossed ₦1 billion ($700k) in processed transactions on OWO! 🚀\n\nWe’d really appreciate your support in sharing this milestone on social media and following us:\n\n📢 [Share on X](https://x.com/joinowo/status/1937208310056296636)\n\n🐦 X: [@joinowo](https://x.com/@joinowo)\n\n📸 Instagram: [@joinowo](https://instagram.com/joinowo)\n\nThanks for being part of the journey!", "url": "https://www.ycombinator.com/launches/Np4-owo-send-money-from-whatsapp-instantly", "votes": 14, "created_at": "2025-06-24T14:23:49.869Z" } ] }, { "id": 23271, "name": "Ziina", "slug": "ziina", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/01b2f0671dab79d7886540ec7fe445dda414f192.png", "website": "https://www.ziina.com", "all_locations": "Dubai, United Arab Emirates", "long_description": "Ziina is bringing the next generation of financial services to the Middle East.", "one_liner": "A digital wallet for the Middle East & North Africa", "team_size": 57, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1615710655, "tags": [ "Fintech", "Payments", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Arab Emirates", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ziina", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/ziina.json", "year_founded": 2020, "city": null, "country": "AE", "linkedin_url": "https://www.linkedin.com/company/ziina/", "x_url": "https://twitter.com/ziinamena?lang=en", "fb_url": "https://www.facebook.com/pages/category/Internet-Company/Ziina-106780037720526/", "cb_url": "https://www.crunchbase.com/organization/ziina", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/01b2f0671dab79d7886540ec7fe445dda414f192.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 490218, "full_name": "Sarah Toukan", "title": "Founder", "founder_bio": "Sarah Toukan is the Chief Product Officer and Co-Founder of Ziina. 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At Coinbase, Andrew helped build the Coinbase Wallet app, a product which enables users all over the world to store their own crypto and access the decentralized web. Inspired by the mission of expanding economic freedom, Andrew relocated from San Francisco to Dubai to found Ziina. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrew-gold-b0509662/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6e57b7b0a5176102374b5ce959fed15cd372832.jpg" }, { "user_id": 425633, "full_name": "Faisal Toukan", "title": "Founder", "founder_bio": "Faisal Toukan is the CEO and Co-Founder of Ziina. 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More than 85% of independent convenience stores are owned by Indian families like Mit’s.\r\n\r\nSolving convenience store owners' pains of today leads to SwiftSku's greater vision of optimizing the supply chain, facilitating a retailer agnostic consumer to brand relationship, and providing real time insights to brands and retailers.", "one_liner": "Management and analytics software for convenience stores", "team_size": 35, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1614638915, "tags": [ "Fintech", "SaaS", "B2B", "Analytics", "Retail Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B", "Retail" ], "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/swiftsku", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/swiftsku.json", "year_founded": 2019, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/swiftsku/", "x_url": "https://twitter.com/swiftsku", "fb_url": "https://www.facebook.com/swiftsku/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3bb40b858fa07c3be03a29e849b4171670bbe91c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 619650, "full_name": "Mit Patel", "title": "Founder", "founder_bio": "I started SwiftSku because I saw an opportunity to solve the problems that stole time and money from my family and friends in convenience stores.\nAs co-founder and CEO of SwiftSku, I have a burning passion for product development and nothing satisfies me more than building software that delights our customers.\n\nMy technical background is in backend and network engineering.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mitpatel283", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/28c54ca9973182a10f5284f570cc686d6b760b7c.jpg" }, { "user_id": 617138, "full_name": "Daniel Mazur", "title": "Founder", "founder_bio": "As co-founder and COO of SwiftSku, I manage operations and strategy, however, I come from a background of analytics and design.\n\nFor pleasure, I enjoy playing tennis and learning about emergent technologies in the fields of additive manufacturing, machine learning, and decentralized applications.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/danielmazur1", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f328e56d7c9cbcff997893e94f404fdde2021559.jpg" } ], "jobs": [ { "id": 61063, "title": "Founding Head of Growth", "url": "https://www.ycombinator.com/companies/swiftsku/jobs/NDEBx0g-founding-head-of-growth", "location": "New York, NY, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$90K - $210K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 70810, "title": "Senior Account Executive (SMB)", "url": "https://www.ycombinator.com/companies/swiftsku/jobs/FYRif1G-senior-account-executive-smb", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$70K - $180K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [ { "title": "Entrepreneurs earn grand prize at Rice Business Plan Competition ", "url": "https://www.eng.auburn.edu/news/2021/06/swiftsku-rice-business-plan-competition.html", "date": "Jun 29, 2021" } ], "launches": [] }, { "id": 23632, "name": "NextPay", "slug": "nextpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a2e17ef5f315b7d43a751993de676bf13903bea.png", "website": "https://nextpay.world", "all_locations": "Makati, NCR, Philippines", "long_description": "NextPay is a digital bank for small businesses and entrepreneurs in The Philippines. 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{ "id": 94370, "title": "Senior Android Engineer", "url": "https://www.ycombinator.com/companies/arq/jobs/hPHzPBm-senior-android-engineer", "location": "Krakow / London / New York / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94371, "title": "Security Engineer", "url": "https://www.ycombinator.com/companies/arq/jobs/i4PPbwj-security-engineer", "location": "London / Krakow / Buenos Aires / Bogota / New York / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94372, "title": "Founders' Office", "url": "https://www.ycombinator.com/companies/arq/jobs/3d6ErFQ-founders-office", "location": "New York / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94373, "title": "CISO Argentina", "url": "https://www.ycombinator.com/companies/arq/jobs/LsY0KD1-ciso-argentina", "location": "Buenos Aires / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94374, "title": "Payment Operations Manager", "url": "https://www.ycombinator.com/companies/arq/jobs/rKYYS5U-payment-operations-manager", "location": "Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94375, "title": "Head of Growth - Colombia", "url": "https://www.ycombinator.com/companies/arq/jobs/6ZUvB4e-head-of-growth-colombia", "location": "Bogota / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94376, "title": "Recruiter", "url": "https://www.ycombinator.com/companies/arq/jobs/pVxHdVw-recruiter", "location": "New York / London / Remote (US)", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Recruiter", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94377, "title": "Backend Engineer - London", "url": "https://www.ycombinator.com/companies/arq/jobs/qgevyFH-backend-engineer-london", "location": "London / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94378, "title": "Junior Data Analyst - Krakow", "url": "https://www.ycombinator.com/companies/arq/jobs/m45Amrz-junior-data-analyst-krakow", "location": "Krakow / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94379, "title": "Junior Data Analyst - New York", "url": "https://www.ycombinator.com/companies/arq/jobs/fAL7pnu-junior-data-analyst-new-york", "location": "New York / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94380, "title": "Platform Engineer - Krakow ", "url": "https://www.ycombinator.com/companies/arq/jobs/vR0oGMw-platform-engineer-krakow", "location": "Krakow / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94381, "title": "Senior Software Engineer (Platform) - Krakow ", "url": "https://www.ycombinator.com/companies/arq/jobs/WceSP9Q-senior-software-engineer-platform-krakow", "location": "Krakow / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Latin America's Global Bank", "url": "https://www.youtube.com/watch?v=cA6g0iWBQpY", "date": "Jun 25, 2026" }, { "title": "Tras inyección de capital por US$70 millones, DolarApp cambiará su nombre a ARQ", "url": "https://www.larepublica.co/finanzas/tras-inyeccion-de-capital-por-us-70-millones-dolarapp-cambiara-su-nombre-a-arq-4341357", "date": "Apr 03, 2026" }, { "title": "DolarApp se transforma en ARQ y amplía su apuesta en México", "url": "https://www.eleconomista.com.mx/empresas/dolarapp-transforma-arq-amplia-apuesta-mexico-20260303-802469.html", "date": "Mar 03, 2026" }, { "title": "La empresa que levantó US$70 millones y apuesta por competirle a los bancos - LA NACION", "url": "https://www.lanacion.com.ar/economia/IA/la-empresa-que-acaba-de-levantar-us70-millones-y-apuesta-por-competirle-a-los-bancos-nid03032026/", "date": "Mar 03, 2026" }, { "title": "DolarApp levanta US$ 70 millones y cambia de nombre para seguir desafiando a los bancos - Forbes Argentina", "url": "https://www.forbesargentina.com/negocios/dolarapp-levanta-us-70-millones-cambia-nombre-seguir-desafiando-bancos-n87139", "date": "Mar 02, 2026" } ], "launches": [ { "id": 66120, "title": "DolarApp - the global account for people in LatAm", "tagline": "Send, receive and pay in pesos, reais or dollars - all from one account", "body": "Hello all! We are [Zach](https://www.linkedin.com/in/zachgarman/), [Alvaro](https://www.linkedin.com/in/alvaro-correa/) and [Fernando](https://www.linkedin.com/in/fterres/) and we are proud to officially launch [DolarApp](https://www.dolarapp.com/) – the global account for Mexico, Argentina, Colombia, and Brazil. With DolarApp you can\n\n* Dollarize your savings and earn 4% APY\n* Get your own US bank account details (ACH and Routing Number) and get paid without hassle\n* Spend internationally at the best rates, without hidden fees\n\n![uploaded image](/media/?type=post&id=66120&key=user_uploads/730279/e6f7d8b1-3fb0-4984-82a6-49584c992071)\n\n\\\n**Why did we build DolarApp?**\n\nThe three of us have spent a lot of time in Latin America and made great friends there. Friends who, simply because of where they were born, see their financial freedom limited: hyperinflation, bans on saving in USD, nightmares trying to move money in/out of their country and crazy fees when paying with a card when traveling.\n\nAfter spending a couple of years at Revolut, we learned that Fintech as we know it today is constrained by traditional financial systems, partners, and regulatory frameworks. We realized we could end those constraints by offering people in LatAm a better account for their everyday finances built on stablecoins, with focus on simplicity and away from typical crypto jargon and complexity.\n\n**Key benefits of DolarApp**\n\nWith DolarApp, you will be able to:\n\n* 🇺🇸 Get US bank account details without a Social Security Number\n* 📥 Pay and get paid from local bank accounts, receiving / withdrawing USDc immediately\n* 🌎 Spend internationally without hassle, at the best exchange rates\n* 💲 Dollarize your savings\n* 📈 Earn 4% on your balance annually, paid out second by second\n\n![uploaded image](/media/?type=post&id=66120&key=user_uploads/730279/65678393-8d08-4404-9375-bf98561c98ca)\n\n**The ask**\n\n* If you live in Mexico / Brazil / Colombia / Argentina, join DolarApp [here](https://dolarapp.onelink.me/SVAM/fnlwxe4b)\n* If you have employees/family/friends in those countries who could benefit of having DolarApp, share this link with them!", "url": "https://www.ycombinator.com/launches/HCS-dolarapp-the-global-account-for-people-in-latam", "votes": 25, "created_at": "2022-09-16T23:23:15.886Z" } ] }, { "id": 24006, "name": "Karbon Card", "slug": "karbon-card", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/17ef37d6752b041cef8cbde238930aba2834a6a3.png", "website": "https://www.karboncard.com/", "all_locations": "Bengaluru, KA, India", "long_description": "We at Karbon Cards provide corporate credit cards, vendor payment solutions and forex outward remittance products to Indian companies. We partners with banks and other FI's to provide comprehensive spend management and working capital solutions. Companies qualify for credit via a liberalized startup friendly underwriting process.\r\n\r\nFor those do not qualify, we provide payments option where companies can top up and use card/vendor payment solutions.", "one_liner": "Corporate Card solution for Indian businesses", "team_size": 144, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1626796391, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/karbon-card", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/karbon-card.json", "year_founded": 2019, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/karbon-cards/", "x_url": "https://twitter.com/KarbonIndia", "fb_url": "https://www.facebook.com/Karbon-Card-101326554793105", "cb_url": "https://www.crunchbase.com/organization/karbon-card", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/17ef37d6752b041cef8cbde238930aba2834a6a3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 729514, "full_name": "Pei-fu Hsieh", "title": "Founder", "founder_bio": "Pei-fu has over ten years of experience in PE/VC with Kleiner Perkins and 01VC. He has also worked at McKinsey and built multiple startups (Zalora, Easy Taxi and Groupon) with Rocket Internet. Prior to founding Karbon he has incubated close to ten fintech companies in Indonesia, India and Brazil.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pei-fu-hsieh-a214b24/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3221334e8f9bcc8351859de21dc92d84afc255f3.jpg" } ], "jobs": [], "news": [ { "title": "Karbon card News: Karbon Card raises Rs 55 crore debt finance from Northern Arc, UCIC and Oxyzo - The Economic Times", "url": "https://economictimes.indiatimes.com/industry/banking/finance/karbon-card-raises-rs-55-crore-debt-finance-from-northern-arc-ucic-and-oxyzo/articleshow/91611603.cms", "date": "Jan 30, 2023" }, { "title": "This fintech firm is making salary payments easier for other start-ups - BusinessToday", "url": "https://www.businesstoday.in/technology/news/story/this-fintech-firm-is-making-salary-payments-easier-for-other-start-ups-328985-2022-04-07", "date": "Apr 07, 2022" }, { "title": "Karbon to increase start up coverage to 70%, onboard 10,000 clients by year end", "url": "https://economictimes.indiatimes.com/tech/startups/karbon-to-increase-start-up-coverage-to-70-to-onboard-10000-clients-by-year-end/articleshow/90149915.cms", "date": "Mar 11, 2022" }, { "title": "Karbon Card Raises $15 Mn; Plans Transition Into Neobank By CY22", "url": "https://inc42.com/buzz/y-combinator-backed-fintech-karbon-card-raises-15-mn-plans-transition-into-neobank-by-cy22/", "date": "Feb 09, 2022" }, { "title": "Corporate Card Startup Karbon Bags $12 Mn In Pre-Series A", "url": "https://inc42.com/buzz/corporate-card-startup-karbon-bags-12-mn-in-pre-series-a/", "date": "Sep 23, 2021" } ], "launches": [] }, { "id": 24026, "name": "Flowbo", "slug": "flowbo-inc", "former_names": [ "Flowbo Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/50a9b08351b63992055d656f9f008b5e7ec36f91.png", "website": "https://www.flowbo.co/", "all_locations": "Los Angeles, CA, USA; Seoul, Seoul, South Korea", "long_description": "Flowbo provides financing to online revenue-generating companies including creators and eCommerce. \r\n\r\nWe package assets into investable products so creators can raise money. For example, we package receivables into factoring products.", "one_liner": "Pipe for online businesses", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1624307550, "tags": [ "Fintech", "Marketplace", "Creator Economy" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "South Korea", "America / Canada", "East 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/flowbo-inc", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/flowbo-inc.json", "year_founded": 2021, "city": "Los Angeles", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/50a9b08351b63992055d656f9f008b5e7ec36f91.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": 205147, "full_name": "Daniel Kang", "title": "Founder", "founder_bio": "Daniel is co-founder of Flowbo, marketplace that provides financing to influencers and allow fans to share in their success. In the past, Daniel was an investment professional at Softbank Vision Fund focused on fintech investments, and served as a Board Observer of Auto1 Group (ETR: AG1). \n\nFormally, he studied policy and finance at University of Oxford and McGill University. As an immigrant founder from a modest background, Daniel has strong interest is accessibility to capital. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/daniel-s-kang/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/87bbf923215676ad522defc073b897c6f71705a9.jpg" }, { "user_id": 387759, "full_name": "Norman Yu", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/normanyu1/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/837d3c15e530b9280665db6c87898ae39602b254.jpg" } ], "jobs": [], "news": [ { "title": "Grin CEO on Why Every Company Needs a Salesforce for Creators — The Information", "url": "https://www.theinformation.com/articles/grin-ceo-on-why-every-company-needs-a-salesforce-for-creators?utm_source=ti_app", "date": "Dec 17, 2021" }, { "title": " Flowbo - Fast, frictionless funding for creators’ success | Product Hunt", "url": "https://www.producthunt.com/posts/flowbo", "date": "Jul 08, 2021" } ], "launches": [] }, { "id": 24037, "name": "Levro", "slug": "levro", "former_names": [ "Novo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c701b2b04808644316217d356d3d16dfbf3e281.png", "website": "https://www.levro.com", "all_locations": "San Francisco, CA, USA", "long_description": "Levro is a multicurrency account and global payments platform for businesses. We help US & international companies hold, convert, and pay 30+ currencies. Our exchange at rates are 40-90% lower than banks and FX services like Wise. We also offer free currency risk management, recipient onboarding, automated multicurrency reconciliation, and wire tracking.\r\n\r\nIf you have international customers, employee payroll, vendors, or bulk payouts to different countries please send us a note! founders@levro.com", "one_liner": "Multicurrency account & international payments for businesses", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1626366454, "tags": [ "Fintech", "Payments", "Finance", "B2B", "International" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Abeer & Cathy were batchmates from YC W14!" } ], "url": "https://www.ycombinator.com/companies/levro", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/levro.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/levro/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c701b2b04808644316217d356d3d16dfbf3e281.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 5629, "full_name": "Cathy Han", "title": "Founder", "founder_bio": "Cathy Han is the Co-founder & CEO of Levro, a multicurrency neobank for businesses. Levro provides US accounts that hold up to 34 currencies to help companies pay teams, vendors, and receive revenue from customers internationally.\n\nPrior to Levro, Cathy co-founded 42 Technologies (YC W14), a big data company with retail customers around the globe. Cathy holds a Finance degree from the University of British Columbia & MBA from Harvard Business School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cathyhan/", "x_url": "https://twitter.com/cathyxhan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce94c45f2ad3be10953efcc9eaa603b08dd0d0ca.jpg" }, { "user_id": 466, "full_name": "Abeer Agrawal", "title": "Founder", "founder_bio": "Prior to Levro, Abeer was the Co-founder & CTO of Theorem (YC W14), a machine learning enabled hedge fund which he built to over $1bn+ in AUM. Abeer holds degrees in Electrical & Computer Engineering and Computational Finance from Carnegie Mellon University. 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In the last 10 years I have worked in 2 startups (not including Instakin) - one related to semi-conductors and the other related to a platform for social media marketing.\n\nI have also worked for Fortune 500 companies (Fiserv and LexisNexis) where I led teams to deliver next generation products related to core banking systems and AI.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/zainmk", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9603a38948b8eb037ede06941011054a437895d7.jpg" } ], "jobs": [], "news": [ { "title": "Startup connecting overseas Pakistanis to families at home | Arab News", "url": "https://www.arabnews.pk/node/1985111/pakistan", "date": "Dec 11, 2021" }, { "title": "Y-Combinator Backed InstaKin is Driving a new Approach for Migrant Payments | Tech Times", "url": "https://www.techtimes.com/articles/264033/20210811/y-combinator-backed-instakin-is-driving-a-new-approach-for-migrant-payments.htm", "date": "Aug 11, 2021" }, { "title": "Tech in Asia - Connecting Asia's startup ecosystem", "url": "https://www.techinasia.com/y-combinator-backed-payments-firm-immigrants-launch-services-south-asia", "date": "Aug 05, 2021" }, { "title": "Launch HN: InstaKin (YC S21) - Help immigrants to manage tasks in home countries | Hacker News", "url": "https://news.ycombinator.com/item?id=27958605", "date": "Jul 30, 2021" }, { "title": " Instakin - Marketplace for immigrants to manage tasks back home | Product Hunt", "url": "https://www.producthunt.com/posts/instakin", "date": "Jul 07, 2021" } ], "launches": [] }, { "id": 24149, "name": "Union54", "slug": "union54", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4c0dfe6ae2ac625f60016dfdeb272a9158130e0f.png", "website": "https://union54.com", "all_locations": "Lusaka, Lusaka Province, Zambia; Remote", "long_description": "ChitChat by Union54 is an integrated messaging and payments platform designed specifically for Africa's unique needs.\r\n\r\nOur app combines secure instant messaging with USD card capabilities and cross-border payments, making international money movement more accessible and affordable.\r\n\r\nWe're tackling one of Africa's biggest financial challenges: the high cost of sending money across borders, where African senders often pay double the fees despite sending smaller amounts.\r\n\r\nAs a Y Combinator-backed startup, we're building technology that empowers African consumers and businesses to participate more fully in the global digital economy.\r\n\r\nOur mission is to create financial products that genuinely serve customer needs while challenging the status quo of traditional remittance providers.", "one_liner": "Developers of ChitChat, an integrated messaging and payments wallet…", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1628234333, "tags": [ "FinOps", "Fintech", "Consumer", "B2B", "Messaging" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Zambia", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/union54", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/union54.json", "year_founded": 2021, "city": "Lusaka", "country": "ZM", "linkedin_url": "https://www.linkedin.com/company/union54", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4c0dfe6ae2ac625f60016dfdeb272a9158130e0f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 155504, "full_name": "Perseus Mlambo", "title": "Founder", "founder_bio": "CEO at Union54, developers of ChitChat. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/perseus", "x_url": "https://twitter.com/perseusmlambo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9dc6c63451ce80c45ae40970c748bf852ee7622f.jpg" }, { "user_id": 186300, "full_name": "Alessandra Martini", "title": "Founder", "founder_bio": "Co-founder & COO at Union54", "is_active": true, "linkedin_url": "https://za.linkedin.com/in/alessandra-martini-5bb15991", "x_url": "https://twitter.com/AleMartiniM", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/764bcdb519d4a77cd424a0a9516352ac68e79777.jpg" } ], "jobs": [], "news": [ { "title": "ChitChat and Mastercard Launch Virtual Debit Cards", "url": "https://newsroom.mastercard.com/news/eemea/en/newsroom/press-releases/en/2024/september/chitchat-and-mastercard-launch-virtual-debit-cards/", "date": "Sep 03, 2024" }, { "title": "Tiger Global-Backed Startup Union54 Joins Africa’s Super App Race - Bloomberg", "url": "https://www.bloomberg.com/news/articles/2023-06-30/tiger-global-backed-startup-union54-joins-africa-s-super-app-race", "date": "Jul 29, 2023" }, { "title": "After chargeback fraud debacle, Union54 CEO says fintech in Africa 'isn't child's play' | TechCrunch", "url": "https://techcrunch.com/2023/03/29/after-chargeback-fraud-debacle-union54-ceo-says-fintech-in-africa-isnt-childs-play/", "date": "Mar 29, 2023" }, { "title": "Union54, is now is now offering virtual debit and credit cards to Zambians", "url": "https://techcabal.com/2022/07/04/union54-offers-virtual-cards-to-zambian/", "date": "Jul 04, 2022" }, { "title": "Zambian card issuing startup Union54 raises $12M led by Tiger Global – TechCrunch", "url": "https://techcrunch.com/2022/04/18/zambian-card-issuing-startup-union54-raises-12m-led-by-tiger-global/", "date": "Apr 18, 2022" } ], "launches": [] }, { "id": 24150, "name": "Hypercore", "slug": "hypercore", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b990f248fafbfb15158a00efa981170b5e2bad41.png", "website": "https://www.hypercore.ai/", "all_locations": "Tel Aviv-Yafo, Tel Aviv District, Israel", "long_description": "Hypercore is a loan management software for small lenders. We help lenders automate workflows and provide them with real-time analytics and KPIs on their portfolios.\r\nSince June we are running paid pilots ($3.5K MRR), 1 LOI ($1.5K MRR). The founding team met while serving together as officers in technological units in the Israeli Defence Forces. We then established together a software development company specialized in fintech projects such as e-wallets and open-banking projects. That’s where we discovered how archaic are the tools lenders use that are ready for disruption.\r\nHypercore is building the tools for private lenders who currently do everything in Excel, culminating in a 'Nasdaq of private loan books' - utilizing the platform to securitize loan books.", "one_liner": "Loan management software for private lenders", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1628254783, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Israel", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.\n", "answer": "End to end platform for lenders" }, { "question": "What is your company going to make? Please describe your product and what it does or will do.\n", "answer": "SaaS platform for any lender, streamlining the entire process from loan origination to portfolio & risk management. Our product focuses on 3 added values - performance measurement, credit policy enforcement, and portfolio growth" } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/hypercore", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/hypercore.json", "year_founded": 2020, "city": "Tel Aviv-Yafo", "country": "IL", "linkedin_url": "https://www.linkedin.com/company/hypercore-ai", "x_url": "", "fb_url": "https://www.facebook.com/hypercoreai", "cb_url": "https://crunchbase.com/organization/hypercore", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b990f248fafbfb15158a00efa981170b5e2bad41.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 701261, "full_name": "Daniel Liechtenstein", "title": "Founder", "founder_bio": "I work with a group of amazing partners who build amazing products together. We founded Hypercore with the goal of pushing the non-bank lending market forward.\n\nAlready at the beginning of my career, I learned that the future is in the combination between domains, and the more I meet new people the more I learn. I started as an economist and grew into the technological world and today I see myself as a person looking for interesting opportunities. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-liechtenstein-ba338370/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c7ab89278530e99ea6120e8f801f2d71c31b1ce4.jpg" }, { "user_id": 728643, "full_name": "Eitan Frailich", "title": "Founder", "founder_bio": "Started my first steps with technology during my service at IDF technological unit (MAMRAM).\nAfter finishing my service I worked as a freelancer software developer, mostly on web and mobile applications. \nA Year later cofounded Articode LTD - devshop focused on GIS and Financial projects. During that time I was charged with many projects, working with big enterprises, defense industries, startups, etc.\nA Year a ago changed the focus to our fintech startup Hypercore.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eitan-frailich-81b69390/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7cc4c83fcbd515fb5ff25eb4d4fe50742e58c605.jpg" }, { "user_id": 727757, "full_name": "Tomer Moshe", "title": "Founder", "founder_bio": "Completed my BSc in computer science at the age of 18. Co-founder of Hypercore and Articode. Delivered over 20 software products as a freelancer and with Articode. IAF-Ofek Alumni.\nCoding non-stop since 2011 :)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomer-moshe-033a2b69", "x_url": "https://twitter.com/tomosher1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/643ff54d06094ace005c9639e779241c3d7544d0.jpg" }, { "user_id": 725257, "full_name": "David Yahalomi", "title": "Founder", "founder_bio": "Co-founder of Hypercore and Articode. Delivered over 30 software products as a freelancer and with Articode. Worked for the first digital bank in Israel - Pepper - as a team leader. Speaker at various tech conferences mainly about GraphQL. IAF-Ofek Alumni, and Mamram graduate.\nWriting code since 2001 :)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/david-yahalomi-441b3863/", "x_url": "https://twitter.com/DavidYahalomi", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aacf5dc541dd5d2d3de4448eed9f9e1554beeb42.jpg" } ], "jobs": [], "news": [ { "title": "Hypercore is now Backed by YC!", "url": "https://www.hypercore.ai/post/hypercore-backed-by-yc", "date": "Aug 09, 2021" } ], "launches": [] }, { "id": 24151, "name": "Lago", "slug": "lago", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/29939f1cfbd3fe315d3ded8f43c33775de6b9c89.png", "website": "https://www.getlago.com/", "all_locations": "San Francisco, CA, USA", "long_description": "At Lago, we're on a mission to make billing simpler, more transparent, and more adaptable for SaaS companies.\r\n\r\nAs the leading open-source billing platform, we empower businesses to build flexible pricing models and scale with confidence. We've raised over $22 million in funding from top-tier investors including Y Combinator and FirstMark, reflecting strong confidence in our vision and growth.\r\n\r\nOur platform has garnered over 9,000 stars on GitHub, a testament to our active and growing developer community. Companies such as PayPal, Synthesia and Mistral.ai choose Lago for their billing.\r\n\r\nWe're a team of ambitious, focused individuals who work together to solve hard problems with excellence and accountability. At Lago, we value reliability and proactivity - we trust each other to own tasks, drive them to completion, and adapt quickly. 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Toronto, Ontario, CA)", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$80K - $120K CAD", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [] }, { "id": 24248, "name": "Monto", "slug": "monto", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bcda4e271f62bbf00e0a61745ccf05e0607091c2.png", "website": "https://www.monto.mx/", "all_locations": "Monterrey, N.L., Mexico; Remote", "long_description": "Through our platform employees of our affiliated companies can access their earned wages on-demand for a low fixed fee. ", "one_liner": "Salary on-demand platform for Latin America", "team_size": 13, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1626359083, "tags": [ "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/monto", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/monto.json", "year_founded": 2020, "city": "Monterrey", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/monto-cajero-inteligente", "x_url": "", "fb_url": "https://www.facebook.com/monto.mx/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bcda4e271f62bbf00e0a61745ccf05e0607091c2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 477053, "full_name": "Andres Quintanilla", "title": "Founder", "founder_bio": "Fintech Entrepreneur | ex-Goldman Sachs ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andres-quintanilla-440897125/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a87a12767cefa16a427632f24a8970c18ccc5754.jpg" }, { "user_id": 746631, "full_name": "Karina Derbez", "title": "Founder", "founder_bio": "Ex-Microsoft Software Engineer", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/karinaderbez", "x_url": "https://twitter.com/karinaderbez", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d1ac617e1487501456b15aef6b6e5c406be72452.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24251, "name": "Pideaky", "slug": "pideaky", "former_names": [ "ORCA Wireless S.A.P.I" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea6a449b48ce7b708258491acd97425dd01da55b.png", "website": "https://pideaky.com/en/", "all_locations": "Monterrey, N.L., Mexico", "long_description": "Pideaky helps offline LatAm SMBs manage and accelerate their cash flow through AI collection agents, which remind, collect, and negotiate bills on behalf of SMBS in Latam.\r\nWe focus on the massively underserved $70B/year customer segment as our wedge — Mexican corner shops and corner shop providers:", "one_liner": "We help offline LatAm SMBs manage and accelerate their cash-flow ", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1624598152, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pideaky", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/pideaky.json", "year_founded": 2021, "city": "Monterrey", "country": "MX", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea6a449b48ce7b708258491acd97425dd01da55b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 708848, "full_name": "Carlos Tejeda", "title": "Founder", "founder_bio": "- CEO and co-founder of Pideaky, we help LatAm SMBs manage and accelerate cash flow. \n- CEO and founder Of Orca Wireless, we developed a wireless internet network and served more than 250K customers in Northern Mexico.(exited) \n- Founder and CEO at RC ( Payphone factory, 1996-2007), we produced and exported Payphone to Mexico and Latam. Our main end customers were small corner shops.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/carlos-tejeda-b8096a2a/", "x_url": "https://twitter.com/carlostejeda", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/32a2409dcfc22fd303a9cbf46aba1fc463ac8046.jpg" }, { "user_id": 739526, "full_name": "Oscar Rydberg", "title": "Founder", "founder_bio": "CTO at Pideaky\nCoding since age 7. Demos, Games 2d & 3d, VR (Quest Unity & UE), Raytracers, ERP&ERMs, Android Apps, Financial Transactions systems, Card Payments.\n\nWrote the whole GRC intranet system\nWrote the whole ORCA top-up & wireless access system\nDesgined mobile payphone with full tcp/ip stack\nDesigned hardware and did all firmware for ORCA 2.4/5G WiFi accesspoints\n\nAssembler (Ex MC68x, X86), C/C++, Perl, PHP, SQL, Pascal, MSVB, Java, JS, HTML/CSS...\nLinux, OpenWRT, Apache, MySQL, AmigaOS\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oscar-rydberg-ba170b15", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/22dceb4c98a0277e70a2e5bd00aba1f40fbb4554.jpg" }, { "user_id": 737171, "full_name": "Rafael Tejeda Elizondo", "title": "Founder", "founder_bio": "Rafael Tejeda Elizondo: Founder \"Pideaky\" (YCS21) \nRafael Graduate from Instituto Tecnológico y de Estudios Superiores de Monterrey, Bs Law (1992) and MS in Technology Commercialization, University of Texas , Austin Red-McCombs Business School & CIMAV (2010)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rafael-tejeda-elizondo-3853b5211/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a8c2ab1962d2050c3eefc8d3f8e390b16a8c6b74.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 81125, "title": "Pideaky - Inventory-based lending", "tagline": "We help offline LatAm SMBs manage and accelerate their cash flow.", "body": "**TL;DR:** We help offline LatAm SMBs manage and accelerate their cash flow through inventory-based financing and payments/collection/reconciliation solutions.\n\n### 📜 The story\n\nWe have been working with LatAm SMBs for more than 20 years and previously built two great (non-startup) companies:\n\nAt payphone manufacturer ([R&C Telecomunicaciones](https://enlacee.org/rc-telecomunicaciones-2-2/)), we sold more than100k payphones to corner shops across Latin America (Chile, Perú Argentina, Central America, and México) as well as to major carriers such as Movistar, Bellsouth, Telcel, and Telmex.\n\nI remember the day my daughter received a message from her boyfriend, bypassing me! At that time, we all mainly used landline phones to communicate. This is when I realized that young people started connecting through the Internet, and I started thinking about how I should use this trend—to provide Internet access to people using the corner shop network.\n\nSo, we built the internet network (ORCA Wireless) from scratch and provided service to 250k neighbors of corner shops.\n\n### 🥅 What Pideaky is\n\nAt Pideaky, we help offline LatAm SMBs manage and accelerate their cash flow through inventory-based financing and payments/collection/reconciliation solutions.\n\nIn 2021, we started by providing point-of-sale solutions to corner shops in Mexico.\n\n**Our Customers:**\n\nCorner shops that sell groceries and lack financial records, as well as their suppliers.\n\n**The Problem:** Over time, we discovered that access to capital was the biggest challenge for these corner shops.\n\n**The Solution:** Inventory-based lending powered by our proprietary AI\n\n**Market Size:** Businesses like these account for almost $70B/year in gross merchandise value.\n\n**Tech stack:** We build and train an AI tool that Translates photos and videos into credit scores and risk models using AI and computer vision (with 90% accuracy today). We also developed the best-in-class automated collection and reconciliation tools to collect our loans.\n\n**New Opportunity:** These tools are helping us to acquire Corner shop suppliers as customers; **we help them manage and collect their invoices in minutes, not days,** and they allow us to increase the network of Corner shops.\n\n**Our Impact:** More than 14,000 loans were disbursed, and more than 6K corner shops served.\n\n**Our Backers:**\n\nWe’re backed by Silicon Valley VCs (Wayfinder, Goodwater) and are actively hiring and expanding across Mexico/LatAm. Let us know if you'd like to connect—I’m open for coffee chats.\n\nCheck us out at [**Pideaky.com**](http://Pideaky.com) or chat with me by emailing [carlos@pideaky.com](mailto:carlos@pideaky.com)\n\n![uploaded image](/media/?type=post&id=81125&key=user_uploads/708848/354deb6b-e6fa-44ae-83b7-6cb71e04ab6c)\n\n![uploaded image](/media/?type=post&id=81125&key=user_uploads/708848/7f088fbd-dd1a-42de-98ef-70288c35309f)\n\n![](https://lh7-us.googleusercontent.com/5avKhuwIGN-5fnASCVf7QY6eygtVzYEfRh-rI4i_QV6GVZh73jX1l-qR67gQYrP2ZLb8VJ5nM1pT1ORBxzvfvBwFy755cemr7X5Yw--u0n-87DY4n5pNalqNGqIQzUKy-cX34iLk5yUrLKvqvvclViHBPg=s2048)\n\n![uploaded image](/media/?type=post&id=81125&key=user_uploads/708848/0ba2851a-b3d0-4d83-adb9-473eacd1e381)\n\n![uploaded image](/media/?type=post&id=81125&key=user_uploads/708848/1a305dba-645b-46c2-8527-fb994f65977d)\n\n![uploaded image](/media/?type=post&id=81125&key=user_uploads/708848/fc3b2958-0a30-4f91-a9c4-40ca7651c5ec)\n\n", "url": "https://www.ycombinator.com/launches/L6T-pideaky-inventory-based-lending", "votes": 128, "created_at": "2024-05-28T14:07:12.116Z" } ] }, { "id": 24253, "name": "Pluggy", "slug": "pluggy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3aa6cdb6e4514111f85524a950c06080c4af48cb.png", "website": "https://pluggy.ai", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "Pluggy is a B2B Fintech that allows any developer to connect to the data from their users' bank and broker accounts, essentially Plaid for Brazil. \r\n\r\nWe are 100% focused in Brazil. One of the largest markets in the world. Its complexity, risks and challenges require its own solution.\r\n\r\nLocal focus and our deep experience in banking tech engineering allowed Pluggy to create a product that is considered by our customers as the only one to provide reliable data at the right time to market.\r\n\r\nWe currently cover 90% of the bank accounts in Brazil a market of more than 7 billion USD. \r\n\r\nWe are Pluggy!", "one_liner": "Plaid for Brazil: we allow developers to access users' financial data ", "team_size": 31, "industry": "B2B", "subindustry": "B2B -> Engineering, Product and Design", "launched_at": 1627936785, "tags": [ "Fintech", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Engineering, Product and Design" ], "regions": [ "Brazil", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pluggy", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/pluggy.json", "year_founded": 2020, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/pluggyai", "x_url": "https://twitter.com/pluggyai", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/pluggy", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3aa6cdb6e4514111f85524a950c06080c4af48cb.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 739685, "full_name": "Rogerio Correa", "title": "Founder", "founder_bio": "Responsible for operations at Pluggy, making my best to use the knowledge that I've acquired working 10 years in Business Consulting and more 3 years in Digital Transformation Consulting to build and deliver the best product for the Brazilian Market", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rogério-corrêa-26789131", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7936c4184004107c578a64bb2b5953fdda5cfa5f.jpg" }, { "user_id": 740442, "full_name": "Victor Braga", "title": "Founder", "founder_bio": "Used to work in banking and M&A consultancy, but left the corporate world to create new ways of making the world a better place!\n\nI am working with my great co-founders at Pluggy to make Open Banking in Brazil as disruptive as Brazilians need.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/victor-urano-braga-75434521/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/442fdc6a810767cbc31f814a873124fc73abff51.jpg" }, { "user_id": 740437, "full_name": "Bruno Loiola", "title": "Founder", "founder_bio": "Co-founder @Pluggy. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/brunoloiola/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1915a009bef56ab8458ee4b6cfecab171d53bb8c.jpg" }, { "user_id": 155975, "full_name": "Federico Miras", "title": "Founder", "founder_bio": "Federico Mirás (or \"Fefo\") is an Argentinian tech entrepreneur, investor and programmer. He is the Co-Founder, Head of Product, and CEO of Pluggy. Fefo wrote his first lines of code at the age of 12 and created his first software company at the age of 19. Strong leadership and company culture skills, he loves crypto & video games.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fmiras", "x_url": "https://twitter.com/fefomiras", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8f41247a5ee027fc6f4dbf74d1902997eaeb44cd.jpg" }, { "user_id": 591618, "full_name": "Gabriel Pan Gantes", "title": "Founder", "founder_bio": "Argentinian Tech-Founder and Developer, leading the product and development of Pluggy´s solution, building developer-driven innovation with the latest technologies. Analytical, organized & practical, focus on shipping solutions as faster as possible.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gabrielpangantes", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3bcefc1b38043ba97f090786f4723f50b031b7df.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24257, "name": "Covie", "slug": "covie", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cab875f3e2be4c71042986d743255262bdafeda3.png", "website": "https://www.covie.com", "all_locations": "Austin, TX, USA", "long_description": "Interacting with insurance across a variety of carriers should be undifferentiated heavy lifting - a piece of infrastructure like Stripe, Twilio, or AWS that \"just works\"in the background while your business focuses on what makes it different. We provide programmatic building blocks to make this a reality, putting a carrier-neutral API and tooling on top of insurance, starting with policy access (think Plaid, but for your insurance company) and monitoring.\r\n\r\nOur technology has a variety of use cases that range from insurance verification and tracking, financial advising, compliance & risk management, and marketing/distribution of insurance products.", "one_liner": "Programmatic building blocks for transacting with insurance", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1624498844, "tags": [ "Fintech", "Health Tech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/covie", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/covie.json", "year_founded": 2020, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/covie-io", "x_url": "https://twitter.com/usecovie", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/covie-systems", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cab875f3e2be4c71042986d743255262bdafeda3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 233642, "full_name": "Trent Harvey", "title": "Founder", "founder_bio": "Motivated and forward thinking, I love to take on challenging problems and find innovative solutions to overcome them. 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It is first in Southeast Asia to provide brands a better, more profitable checkout experience for their shoppers. Arrow was created to partner with merchants to build consistent and seamless hyperlocal checkout experiences wherever their shoppers come across their brands. \r\n\r\nShoppers checkout securely with their preferred payment methods. They no longer have to set up new passwords, face multiple redirects or set up a new account every time they shop. Built specifically for Southeast Asia, Arrow works anywhere that shoppers prefer to shop from. Southeast Asian shoppers love the simple and hassle-free solution since almost everyone in this region shops on their mobile devices.\r\n\r\nWith Arrow, merchants sell more of what they are selling; and shoppers conveniently and easily checkout wherever they shop. 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Previously @Selency.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/clementsalaun", "x_url": "https://www.twitter.com/superzamp", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a9edd44c138e38c03fe18aae327a4f161b5ad5d0.jpg" } ], "jobs": [ { "id": 69470, "title": "Senior Software Engineer ", "url": "https://www.ycombinator.com/companies/formance/jobs/C2HMJfN-senior-software-engineer", "location": "Paris, IDF, FR / Remote (FR)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "€60K - €90K EUR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 85244, "title": "Senior Account Executive (NYC)", "url": "https://www.ycombinator.com/companies/formance/jobs/ovlW1Xn-senior-account-executive-nyc", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$150K - $300K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 85245, "title": "Business Development Representative", "url": "https://www.ycombinator.com/companies/formance/jobs/M2Vc5Mh-business-development-representative", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$95K - $110K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 85248, "title": "Solutions Engineer", "url": "https://www.ycombinator.com/companies/formance/jobs/ISOaDNE-solutions-engineer", "location": "London, England, GB / Remote (GB)", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "£90 - £95 GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Formance raises $21M to build the AWS for fintech infrastructure | TechCrunch", "url": "https://techcrunch.com/2025/01/29/formance-raises-21-million-to-build-the-aws-of-fintech-infrastructure/", "date": "Jan 29, 2025" }, { "title": "French fintech Formance secures €2.9 million to help companies build and track payment flows | EU-Startups", "url": "https://www.eu-startups.com/2022/06/french-fintech-formance-secures-e2-9-million-to-help-companies-build-and-track-payment-flows/", "date": "Jun 20, 2022" } ], "launches": [ { "id": 64456, "title": "💸 Formance: Open, modular foundation for unique payment flows", "tagline": "Build, operate and track money movements of any size and shape on a solid and open-source system-of-record (ledger)", "body": "Hi everyone!\n\nWe’re developing an open-source solution to enable fintechs, marketplaces and platforms to build, operate and track money movements of any size and shape on a solid system-of-record (also known as a financial ledger)\n\n**✌️ Check out our main Github repository here:** [**https://github.com/numary/ledger**](https://github.com/numary/ledger\\*\\*)\n\n## **The problem**\n\nFintechs, marketplaces, and platforms growth is closely tied to their ability to:\n\n1. Process an increasing volume of transactions, and\n2. Implement competitive payment scenarios, which can become increasingly complex, e.g. complex commission models, improved time-to-money and creative payout schedules, embedded fractional ownership of various investment assets, omnibus accounts and the likes.\n\nEngineering teams spend valuable time building themselves these money flows and the way they are broken down; then making them evolve according to the development and the strategy of the company. Additionally, tracking and reconciliating these flows from pay-ins to payouts quickly upgrades itself from an small annoyance to a _did-we-lost-10millions-type-of-problem™️_\n\nFormance is tackling this particular segment in the payment value chain which is still painful for engineering teams, yet critical: the break-down and tracking of money between inflows and outflows.\n\n## **The solution**\n\n**✌️ Check out our main Github repository here:** [**https://github.com/formancehq/stack**](https://github.com/numary/ledger\\*\\*)\n\nFormance solution is based on four products designed to **improve your economics, save time and limit costly errors:**\n\n**1/ A simple and open-source programming language for money**: designed for engineering and payments teams, this low-code language enables the creation of reliable and unique payment scenarios in a few hours, rather than days, without any particular technical expertise related to payments;\n\n![uploaded image](/media/?type=post&id=64456&key=user_uploads/144945/882aa901-0827-41c2-9dfc-4fecdbe29c8d)\n\n**2/ Pre-built and extendable use-case templates**: these templates allow to quickly implement new business strategies or product features, check them out here: \n\n![uploaded image](/media/?type=post&id=64456&key=user_uploads/144945/731eced2-67fb-4c65-8762-26d0214a61d3)\n\n**3/ An open-source financial ledger**: working in tandem with our language and designed for reliability, this immutable system-of-record enables the track financial flows that move value through various merchants, intermediaries, parties and the extraction of data for business analysis and decision-making\n\n**4/ Real-time transaction tracking tools**: designed for finance and operations teams, these tools enable the reconciliation of pay-ins and payouts, and the identification of issues related to transactions.\n\n![uploaded image](/media/?type=post&id=64456&key=user_uploads/144945/037dee85-7949-4b3a-85bd-3156b0285bdf)\n\nWe believe that open-source and low-code go hand-in-hand with the diversity of money flows, payment scenarios and strategies that will make your company win.\n\n**🤙 Ping us anytime, we’re always more than happy to help and have a chat!**\n\n→ **Schedule a call here**: \n\n→ **Drop us an email**: [founders@formance.com](mailto:founders@formance.com)\n\n→ **Check out use-cases library**: \n\n→ **Download Formance Open Source Main Repo**: [**https://github.com/formancehq/stack**](https://github.com/numary/ledger)", "url": "https://www.ycombinator.com/launches/Glc-formance-open-modular-foundation-for-unique-payment-flows", "votes": 23, "created_at": "2022-07-08T10:26:05.510Z" } ] }, { "id": 24414, "name": "Encuadrado", "slug": "encuadrado", "former_names": [ "Encuadrado", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a67ae2ec24aebc03b86cfa807b5a427bb34ceef8.png", "website": "https://www.encuadrado.com/", "all_locations": "Santiago, Santiago Metropolitan Region, Chile; Remote", "long_description": "Encuadrado automates booking, payments, and invoicing for solo practitioners running appointment-based businesses in LATAM.", "one_liner": "Payments and scheduling for services professionals in LATAM", "team_size": 3, "industry": "B2B", "subindustry": "B2B -> Productivity", "launched_at": 1626366348, "tags": [ "Fintech", "Marketplace", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Productivity" ], "regions": [ "Chile", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/encuadrado", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/encuadrado.json", "year_founded": null, "city": "Santiago", "country": "CL", "linkedin_url": "https://www.linkedin.com/company/encuadrado", "x_url": "https://twitter.com/soyencuadrado", "fb_url": "https://www.facebook.com/soyencuadrado", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a67ae2ec24aebc03b86cfa807b5a427bb34ceef8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 696042, "full_name": "Thomas Maremaa", "title": "Founder", "founder_bio": "Co-founder of Encuadrado - a payments and booking platform for service professionals in LATAM. 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Engineering and logistics background.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomasaguilera/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a000a9e6da240091afdedf0138d1b65edaa9024f.jpg" } ], "jobs": [], "news": [ { "title": "Encuadrado raises $1.5M to become LatAm’s “Square-like” payment solution", "url": "https://www.bloomberglinea.com/2021/11/02/encuadrado-raises-15m-to-become-latams-square-like-payment-solution/", "date": "Nov 10, 2021" } ], "launches": [] }, { "id": 24461, "name": "Mine", "slug": "mine", "former_names": [ "ShoulderTap", "Fizz", "Mine (formerly Fizz)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d7a0d14910b74597e1e70723a08a579e8dafe145.png", "website": "https://usemine.com/", "all_locations": "New York City, NY, USA", "long_description": "Mine is the personal finance app designed to help you get ahead.\r\n\r\nFounded on the idea that financial independence begins with ownership — of your money, your momentum, and your decisions.\r\n\r\nWe make the credit-builder thousands know and love, with budgeting and spend tracking features meant to help your money be the best version of itself. We’re also the makers of MoneyGPT, the money assistant that’s got your back.\r\n\r\nYoung people today are stepping into a financial world built for someone else’s life.\r\n\r\nWe give young adults the confidence and control to take charge of their financial journey with simple tools, smart guidance, and a system that works for the path you choose.\r\n\r\nLet’s build your future together. Get started at usemine.com\r\n\r\nBacked by Kleiner Perkins, SV Angel, Liquid 2 Ventures, and the founders of Handshake, Postmates, Public.com, Motive and many more.", "one_liner": "The AI personal finance company. ", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1628179251, "tags": [ "Fintech", "Consumer", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/mine", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/mine.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/minefinancial/", "x_url": "https://x.com/mine_financial", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d7a0d14910b74597e1e70723a08a579e8dafe145.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 562102, "full_name": "Moritz Pail", "title": "Founder", "founder_bio": "Stats + CS at Harvard", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/moritz-pail/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d2d825ff84448565434d9fc787e1e44d69f7adbc.jpg" }, { "user_id": 734263, "full_name": "Moritz Stephan", "title": "Founder", "founder_bio": "Formerly Fizz (S21)", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/moritz-stephan/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bf27835d98d9de2408b48c2c00a229453b3c5eee.jpg" } ], "jobs": [], "news": [ { "title": "Why two Gen Z college dropouts are combatting financial nihilism with a credit card startup", "url": "https://fortune.com/2026/01/26/mine-credit-card-startup-gen-z-kleiner-perkins-359-capital/", "date": "Jan 25, 2026" }, { "title": "Fizz Founder - AI is the clear answer to America's financial literacy crisis | American Banker", "url": "https://www.americanbanker.com/opinion/ai-is-the-clear-answer-to-americas-financial-literacy-crisis", "date": "Jul 25, 2025" }, { "title": "Fizz Unveils the Next Evolution of Personal Finance for Students - FF News | Fintech Finance", "url": "https://ffnews.com/newsarticle/fintech/fizz-unveils-the-next-evolution-of-personal-finance-for-students/", "date": "Oct 03, 2024" }, { "title": "How a payments startup eases college students into credit | PaymentsSource | American Banker", "url": "https://www.americanbanker.com/payments/news/how-a-payments-startup-eases-college-students-into-credit", "date": "Jul 12, 2024" }, { "title": "Kleiner Perkins leads $14.4M seed round into Fizz, a credit-building debit card aimed at Gen Z college students | TechCrunch", "url": "https://techcrunch.com/2024/06/06/kleiner-perkins-leads-14-4m-seed-round-into-fizz-a-credit-building-debit-card-aimed-at-gen-z-college-students/", "date": "Jun 06, 2024" } ], "launches": [] }, { "id": 24477, "name": "Portão 3", "slug": "portao-3", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/13743e9786ef3077b61d0d72e6ce988840b731ca.png", "website": "https://portao3.com.br", "all_locations": "Uberlândia, MG, Brazil", "long_description": "Portão 3 is Ramp for LATAM. We are the frictionless way for companies to make payments.\r\n\r\nThe company is founded by Fernando, second-time entrepreneur with past successful exit and ex-CPO of large IT consulting firms in Brazil and Bianca, experienced entrepreneur that handled payments for Cargill and funded startups in travel and growth. We've grown bootstrapped from the beginning and we were in the Y Combinator S21 batch.", "one_liner": "We are the frictionless way for companies to make payments.", "team_size": 40, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1629397046, "tags": [ "Fintech", "B2B", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Brazil", "Latin America" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/portao-3", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/portao-3.json", "year_founded": 2020, "city": "Uberlândia", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/portao-3", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/port%C3%A3o-3", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/13743e9786ef3077b61d0d72e6ce988840b731ca.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 424861, "full_name": "Fernando Nery", "title": "Founder", "founder_bio": "I'm passionate about transforming complex problems into simple product solutions. I've worked for 5 years as CPO of Zup, a tech consulting firm in Brazil, where I did over 100 flights every year and suffered through horrible and manual corporate travel and expenses solutions available in LATAM.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fernandonery/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c97a9e75d430f388a072e86c45d9b50485af1bcd.jpg" } ], "jobs": [], "news": [ { "title": "How one Brazilian startup’s pivot to corporate cards has paid off • TechCrunch", "url": "https://techcrunch.com/2023/02/14/how-one-brazilian-startups-pivot-to-corporate-cards-has-paid-off/", "date": "Feb 14, 2023" }, { "title": "Fintech Portão 3 capta R$ 19 milhões em rodada semente - Forbes", "url": "https://forbes.com.br/forbes-money/2023/01/fintech-portao-3-capta-r-19-milhoes-em-rodada-semente/", "date": "Jan 18, 2023" } ], "launches": [] }, { "id": 24479, "name": "Payhippo", "slug": "payhippo", "former_names": [ "PayHippo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c8515ca366a1f98e6d2e14cb4349fdf2e56f6b4f.png", "website": "https://payhippo.africa/", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria; Remote", "long_description": "Payhippo provides loans to small businesses in Africa in under 3 hours.\r\n\r\nWe made $42k in revenue in Nigeria in July 2021, growing 25% m/m with a 97% repayment rate.", "one_liner": "Loans to Nigeria's SMEs in under 3 hours", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1627914233, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Nigeria", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/payhippo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/payhippo.json", "year_founded": 2019, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/payhippo", "x_url": "https://www.twitter.com/zachbijesse", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/payhippo", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c8515ca366a1f98e6d2e14cb4349fdf2e56f6b4f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 486278, "full_name": "Zach Bijesse", "title": "Founder", "founder_bio": "Hi everyone! I'm Zach. My favorite thing in the world is music (been playing guitar for 15 years).\nI used to be a certified weight loss specialist to pay the bills in undergrad. Started a mobile health app at the end of undergrad. \n\nBut I also did a lot of activism. I'm most proud of creating this campaign: https://www.nytimes.com/2014/01/28/opinion/bruni-emilios-great-race.html\n\nThen started teaching in Manhattan to learn about impact in education.\n\nDown to talk with fellow founders!", "is_active": true, "linkedin_url": "https://linkedin.com/in/zbijesse", "x_url": "https://twitter.com/ZachBijesse", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b815b864468c9e94aaee0a9826f0306421e4a7eb.jpg" }, { "user_id": 491728, "full_name": "Chioma Okotcha", "title": "Founder", "founder_bio": "Whether I'm building a company, analysing policies or leading a flag-football team in a league, I'm driven to make a difference/learn something. 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There's no vendor lock-in, and your service will never be disrupted by us. \r\n", "one_liner": "Bare-metal access to Brazil's Open Finance and Pix systems", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1630087087, "tags": [ "Fintech", "B2B", "API", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/cumbuca", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/cumbuca.json", "year_founded": 2021, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/appcumbuca", "x_url": "https://twitter.com/appcumbuca", "fb_url": "https://www.facebook.com/appcumbuca", "cb_url": "https://www.crunchbase.com/organization/comadre", "github_url": "https://github.com/appcumbuca", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/77e60a49b6259a7c45a281590f221925fc32c563.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 358823, "full_name": "Daniel Ruhman", "title": "Founder", "founder_bio": "Self taught developer, released first iPhone app when 14y - currently 23y. Dropped out of Computer Engineering degree in Brazil after brief time doing Cog Sci @ UC Berkeley to become an entrepreneur focused on improving the lives of Brazil's lower income population, and have been working with low income households and gig economy workers for the past 2.5 years.\nI’m a huge enthusiast on all things human behavior, gig economy, fintech, and above all in ways to unlock LATAM full potential.", "is_active": true, "linkedin_url": "http://linkedin.com/in/daniel-ruhman-0b739353", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fcc3abc1228d6b693f4a49ff8febab0358a86f11.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 95950, "title": "Cumbuca: The first proxy for the Brazilian regulated ecosystem", "tagline": "Develop your own payments infra in Brazil using our license.", "body": "Hey YC! 👋\n\nWe're Daniel, Bruno, and Pedro — founders of Cumbuca. We’re the first proxy for Brazil’s regulated ecosystem. After years of building fintechs in Brazil, we saw how painful it is to obtain a license or depend on PSPs and BaaS providers. Our previous B2C operation scaled to over a million accounts, and we suffered since a lot of our core product relied on partner infra, and it hurt us to not be able to solve the issues affecting our customers. We’ve been deeply involved with Open Finance since its earliest days — we were one of the first players in the ecosystem and became the **fourth ITP/PISP license ever issued in Brazil**, and after closing our B2C operation decided to pivot to B2B and build the financial infrastructure partner we always wished existed for ourselves.\n\nhttps://www.youtube.com/watch?v=F4_E2LYNBCQ\n\n## TL;DR\n\n**Cumbuca is the first regulatory proxy for Brazil's Open Finance and Pix ecosystem.** We give fintechs the same development freedom they'd have with their own license — direct API access, full operational control, custom infrastructure — while we handle compliance. No more choosing between years of licensing delays or surrendering control to third-party providers.\n\n**Ask:** Are you a global fintech looking to enter Brazil, or a payments company scaling beyond your current provider? Let's talk → [daniel@cumbuca.com](mailto:daniel@cumbuca.com)\n\n![uploaded image](/media/?type=post&id=95950&key=user_uploads/358823/0a8e01c7-dfb2-4489-aafa-c3e8f00a12bb)\n\n## ❌ The Problem\n\nBrazil is one of the most exciting fintech markets in the world — a forward-thinking Central Bank, Pix (the world's most successful instant payments system), and a mature Open Finance framework. Global fintechs want in.\n\nBut the path to market is brutal:\n\n**Option 1: Get your own license**\n\n* 12-24 months waiting for approval\n* Millions in regulatory capital\n* Constant compliance obligations\n* Need local expertise to navigate BACEN's evolving regulations\n\n**Option 2: Use a BaaS/OFaaS provider**\n\n* Fast time-to-market, but...\n* You're locked into their APIs and abstractions\n* Their maintenance windows = your downtime\n* Their support tickets = your customers waiting\n* Their roadmap = your product limitations\n* They use YOUR operational data for their own credit models\n\nFor companies serious about Brazil, neither option works. You either wait years or give up control of your destiny.\n\n---\n\n## 🛠 Our Solution: A Regulatory Proxy\n\nWe built something new: **a proxy that sits between your infrastructure and Brazil's regulated ecosystem.**\n\nHere's how it works:\n\n1. **You build your own infrastructure** using the exact same APIs that licensed institutions use\n2. **You send requests to our proxy**, which signs and forwards them under our license\n3. **You receive 1:1 responses** from the Central Bank ecosystem — no abstractions, no transformations\n\n**The key insight:** Instead of building \"Cumbuca APIs\" (which would impose our abstractions), we built a minimal regulatory layer. You develop against the official Open Finance and Pix specifications. When you're ready for your own license, you just swap our certificates for yours.\n\n**What you get:**\n\n* ⚡ **Immediate access** — start building today, not in 2 years\n* 🔧 **Full development freedom** — same API surface as licensed players\n* 🏗️ **Own your infrastructure** — build it yourself or use partner modules\n* 📊 **Own your data** — we don't use it for anything commercial\n* 🛡️ **Resolve issues directly** — no middlemen when problems arise\n* 🔄 **Future-proof** — migrate to your own license with minimal effort\n\n---\n\n## 👨‍💻 The Team\n\nWe didn't build Cumbuca from a whiteboard — we built it from scars.\n\n**Daniel Ruhman (CEO)** — Started coding as a kid after watching \"The Social Network.\" Dropped out of Computer Engineering to study at UC Berkeley. Built and pivoted through multiple startups: a gig economy platform, a Pix-native neobank for underserved Brazilians (Comadre), and a group expense app that grew to over 1 million accounts (Cumbuca B2C). Applied to YC 8 times before getting in.\n\n**Bruno Cury & Pedro Castilho (Co-founders)** — Together with Daniel, they became among the youngest statutory directors in Brazil's financial sector when they secured their first license in 2022. They've lived every pain point of building on Brazilian financial infrastructure.\n\nWe've assembled a dream team of Open Finance veterans:\n\n* **Gustavo Lino** (Head of Policy, Legal & Compliance) — Former President of INIT (Brazilian Association of Payment Initiators), board member of Open Finance Brazil\n* **Nic Marcondes** (Director of Open Finance) — Architect of the no-redirect payment flow (JSR), the technology behind Pix by Proximity. 5+ years building Open Finance before it officially existed.\n* **Ana Luisa Monteiro** (CFO) — Expert in Brazil's financial markets and regulated operations\n\n---\n\n## 🚀 Our Journey\n\n![uploaded image](/media/?type=post&id=95950&key=user_uploads/358823/7e9d0ec2-b17f-4efb-908c-9dd724d88dd1)\n\nThis is actually our **third pivot** — and it's working.\n\nWe were one of the first 5 companies to apply for a pure PISP license in Brazil. We co-founded INIT, the Payment Initiators Association. We operated over 1 million consumer accounts and learned firsthand how painful it is to depend on infrastructure you don't control.\n\nWhen our B2C monetization model failed (users only wanted Pix, not cards), we faced a choice: burn through our runway or leverage our real assets — our license and our team.\n\nWe chose to build the infrastructure partner we always wished existed.\n\n**The result:** Cumbuca has been profitable and cash-flow positive since August 2025 — just 3 months after pivoting to B2B.\n\n---\n\n## 🎯 Who We Work With\n\nCumbuca is **not a self-serve platform**. We work with:\n\n* **Global fintechs entering Brazil** — Series B+ companies that need more control than BaaS can offer\n* **Companies outgrowing their BaaS/OFaaS** — Ready to verticalize but don't want to wait for a license\n* **Companies in the licensing queue** — Start building and operating now, migrate when approved\n\nOur customers include credit companies using Open Finance data for underwriting, payment orchestrators, e-commerce giants, PFM apps, and investment aggregators.\n\n---\n\n## 🙏 Our Ask\n\n* **Entering Brazil?** Let's talk about how to launch without giving up control → [daniel@cumbuca.com](mailto:daniel@cumbuca.com)\n* **Know someone scaling in Brazilian payments?** Introduce us!\n* **Investor focused on LATAM fintech infra?** We'd love to connect.\n\n---\n\n## 🔗 Learn More\n\n* Website: [cumbuca.com](http://cumbuca.com)\n* Product Hunt: We're live — your upvote helps! 🚀\n\n---\n\nWe spent 7 years getting here. Now we're just getting started.\n\nDale. 🇧🇷\n\n— Daniel, Bruno, Pedro & the Cumbuca team", "url": "https://www.ycombinator.com/launches/Oxa-cumbuca-the-first-proxy-for-the-brazilian-regulated-ecosystem", "votes": 20, "created_at": "2025-12-03T17:07:13.744Z" } ] }, { "id": 24498, "name": "Levo", "slug": "levo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f51197cc0d17f50d8ca25715f7cf7f5e0c7a81b.png", "website": "https://www.levo.mx", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Levo is a regulated treasury management platform for startups and SMBs to optimize idle cash with tailor-made investment, cash management and working capital strategies ", "one_liner": "Treasury management platform for SMBs to optimize idle cash in Latam", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1625518405, "tags": [ "Fintech", "B2B", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/levo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/levo.json", "year_founded": 2020, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/levomx", "x_url": "", "fb_url": "https://www.facebook.com/levofintech", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f51197cc0d17f50d8ca25715f7cf7f5e0c7a81b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 736069, "full_name": "Salvador Rivero", "title": "Founder", "founder_bio": "Born and raised in Mexico City, trained in Political Science and Finance at Sciences Po in France. 9 years experience in the investment industry, invested more than $1.5B USD in Latam equity markets. 3rd time founder and fintech geek.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/salvador-rivero-3031182b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5d11998041067f0ade6828fddbf53d5e4f229fd8.jpg" }, { "user_id": 736053, "full_name": "Max Mergenthaler", "title": "Founder", "founder_bio": "CEO and Co-Founder of Nixtla.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/mergenthaler/", "x_url": "https://x.com/MergenthalerMax", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7b8afa424558feaa148955f3b8dbfab125fb53d3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24530, "name": "Float", "slug": "float", "former_names": [ "Welcome Capital" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3571cbf557f95515de9e1348c90d09a8554f9180.png", "website": "https://float.xyz", "all_locations": "Honolulu, HI, USA; Remote", "long_description": "Float is Pipe for supply chain finance. 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Founded in 2016 and headquartered in Singapore, HitPay unifies e-commerce, point-of-sale, and B2B payments — cards, PayNow, QR, digital wallets, and local rails — into a single platform, so merchants can accept, send, and reconcile money across the region from one account. More than 15,000 businesses use HitPay, which has saved SMEs over US$35M in fees (Trustpilot 4.4/5). It is regulated across six markets and backed by leading global investors, including Tiger Global, Y Combinator, Global Founders Capital, and HOF Capital.", "one_liner": "Full-stack payments infrastructure for growing APAC businesses", "team_size": 42, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1627395951, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/hitpay", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/hitpay.json", "year_founded": 2016, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/hit-pay", "x_url": "https://www.twitter.com/officialhitpay", "fb_url": "https://www.facebook.com/HitPaynow/", "cb_url": "https://www.linkedin.com/company/hit-pay", "github_url": "https://github.com/hit-pay", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4b949ac3131bfb2ed68d424a5df1c9a1eea5c64.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/5a26b3c627c62be7802a955dee616a16169fa3b1.png" ], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 692679, "full_name": "Aditya Haripurkar", "title": "Founder", "founder_bio": "I co-founded HitPay in 2016 to fix something that shouldn't be hard for a small business: getting paid.\nToday HitPay is the all-in-one payments and commerce platform for 15,000+ SMEs across Southeast Asia — accept payments online, in-store and on invoices, send payouts, and run the whole business from one dashboard. We're a Y Combinator (S21) company, a MAS FinTech Award finalist, and in 2026 were named among the world's leading fintech companies by CNBC / Statista. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adityaharipurkar/", "x_url": "https://x.com/ah2484", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/73db58d92318c2e1457681994153880a97f498a3.jpg" }, { "user_id": 734792, "full_name": "Nitin Muthyala", "title": "Founder", "founder_bio": "Nitin has a background in software engineering. He graduated from the National University of Singapore (NUS) and worked at a cybersecurity startup in Singapore before joining DBS Bank. ", "is_active": true, "linkedin_url": "http://linkedin.com/in/nitinmuthyala/", "x_url": "https://twitter.com/nenuNitin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1ee756419395aeca3387356ffaa34bee9aba8b14.jpg" } ], "jobs": [ { "id": 106315, "title": "Financial Controller – HitPay", "url": "https://www.ycombinator.com/companies/hitpay/jobs/ZbbQgwm-financial-controller-hitpay", "location": "SG / MY / Remote (SG; MY)", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$2K - $8K / monthly", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 109946, "title": "AML/CTF Compliance Officer (MLRO), Australia", "url": "https://www.ycombinator.com/companies/hitpay/jobs/dAx8SqD-aml-ctf-compliance-officer-mlro-australia", "location": "Sydney, Australia / Melbourne, Australia / Australia / Remote", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$7K - $11K / monthly", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 116372, "title": "Head of Growth & Operations", "url": "https://www.ycombinator.com/companies/hitpay/jobs/GuSEIgN-head-of-growth-operations", "location": "SG", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$6K - $12K / monthly", "equity_range": "0.10% - 0.50%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116373, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/hitpay/jobs/BUVfdom-account-executive", "location": "SG", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$3K - $6K / monthly", "equity_range": "0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116374, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/hitpay/jobs/iBJVGvf-account-executive", "location": "Kuala Lumpur, Federal Territory of Kuala Lumpur, MY / Remote (MY)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$1K - $3K / monthly", "equity_range": "0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116375, "title": "Senior Account Executive, Business Finance (CFO Stack) — Singapore", "url": "https://www.ycombinator.com/companies/hitpay/jobs/0G1E8cM-senior-account-executive-business-finance-cfo-stack-singapore", "location": "SG", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$4K - $8K / monthly", "equity_range": "0.30%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "HitPay Gets In-Principle Nod for Payment License in Singapore - Fintech Singapore", "url": "https://fintechnews.sg/89197/payments/hitpay-gets-in-principle-nod-for-payment-license-in-singapore/", "date": "Feb 25, 2024" }, { "title": "\n\tHitPay introduces Tap to Pay on iOS in several countries - ThePaypers\n", "url": "https://thepaypers.com/mobile-payments/hitpay-introduces-tap-to-pay-on-ios-in-several-countries--1266111", "date": "Jan 08, 2024" }, { "title": "HitPay Unveils Mass Payouts for Businesses in Southeast Asia | PYMNTS.com", "url": "https://www.pymnts.com/news/payment-methods/2023/hitpay-unveils-mass-payouts-for-businesses-in-southeast-asia/", "date": "Dec 11, 2023" }, { "title": "\r\n\tHitPay partners with GCash - ThePaypers\r\n", "url": "https://thepaypers.com/online-payments/hitpay-gcash-to-extend-payment-options-for-philippine-merchants--1264839", "date": "Oct 10, 2023" }, { "title": "\tHitPay teams up with BillEase to enable BNPL for SMEs - ThePaypers", "url": "https://thepaypers.com/online-payments/hitpay-teams-up-with-billease-to-enable-bnpl-for-smes--1260482", "date": "Feb 23, 2023" } ], "launches": [] }, { "id": 24540, "name": "Floatpays Inc", "slug": "floatpays-inc", "former_names": [ "FloatPays (Pty) Ltd", "FloatPays" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9958a79bc44f22b3d870acdfd34254ea08e9945f.png", "website": "https://www.floatpays.com", "all_locations": "Cape Town, WC, South Africa; Remote", "long_description": "Floatpays is an on-demand wage access platform that helps employees access, spend, save and manage their money.\r\n\r\nThe problem we are solving is that more than 75% of the 12 million employed South African’s run out of money before the end of the month, 52% of those end up borrowing money to survive. 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We achieve state-of-the-art results in financial workflows, outperforming big labs.\n\nAsk: Can you introduce us to hedge funds, asset managers or family offices with a U.S. public equities focus? We’ll say thanks with you a free 2 month subscription. No quants please.\n\nContact us at [kris@hudson-labs.com](mailto:kris@hudson-labs.com)\n\nhttps://www.youtube.com/watch?v=dpIkzPxCWk4\n\n**❌ The Problem**\n\n**Generalist artificial Intelligence fails most dramatically in finance-specific use cases**:\n\n* Multi-document analysis\n* Guidance identification\n* Numeric accuracy and precision\n\nAs a result, AI solutions have **failed to deliver the consistency, reliability and usability required by institutional investors**.\n\nTraditional financial service software providers, like Bloomberg or FactSet, provide coverage of standardized data e.g. net income. But less structured information e.g. soft guidance or product-level results, can often only be found manually. As a result, many of the most sophisticated investors in the world, have **painfully manual workflows**.\n\nAI solves this problem but only when it meets the industry’s standards of consistency, reliability and relevance.\n\n[**👷**](https://emojipedia.org/construction-worker) Our Solution\n\n**The precision of a terminal with the adaptability of AI**\n\n* Any metric. Any format.\n* Only the facts. Direct-from-source. Every time.\n* No prompting gymnastics. Just ask and get results.\n\n![uploaded image](/media/?type=post&id=93710&key=user_uploads/481926/211d2d5e-17da-466e-8b29-f811276153ff)\n\n**Get up to speed in 2 hours instead of 2 weeks**\n\n* **Management commentary linked directly to the numbers.** Track trends side-by-side with management quotes on drivers, exceptions and hedges.\n* **Soft guidance captured — every word, every hedge.** No missed forward-looking statements, no guesswork.\n* **All documents, one clear answer.** Filings, releases, decks, transcripts — synthesized so you don’t miss a line.\n* **Verbatim summaries — no spin, no paraphrase.** The most important management statements, word-for-word.\n\n![uploaded image](/media/?type=post&id=93710&key=user_uploads/481926/a6b20947-aa46-4aa3-8ab9-838878e6d468)\n\n**Where generalist models fail, the Co-Analyst gets it right — fast, precise, and source-verified.**\n\n![uploaded image](/media/?type=post&id=93710&key=user_uploads/481926/d3eb854f-4232-4061-8ee8-cde37086a1c5)\n\nRead about how we compare to Perplexity Pro [here](https://www.hudson-labs.com/post/hudson-labs-co-analyst-vs-perplexity-ai) and to OpenAI wrappers [here](https://www.hudson-labs.com/post/hudson-labs-co-analyst-vs-gpt-4o).\n\nTry it out yourself at https://www.hudson-labs.com/#book-a-demo\n\n[**👬**](https://emojipedia.org/men-holding-hands) The Team\n\nWe are a small, highly technical team and we’ve been working on finance-specific LLMs and AI systems since 2019. Our team **launched the first ever financial services app entirely powered by LLMs in 2021 (Bedrock AI)**.\n\n[**Suhas**](https://www.linkedin.com/in/piesauce/)**:** Author of the popular textbook, [Designing Large Language Model Applications published by O'Reilly Media](https://www.oreilly.com/library/view/designing-large-language/9781098150495/). He has been the chair of the Toronto Machine Learning Summit for the last five years and has been invited to speak at 22 AI conferences this year!\n\nHe was one of the co-chairs at Big Science for the BLOOM LLM, which was the world’s largest open-source multilingual LLM at the time of release and has made contributions to various other LLMs and their training datasets.\n\n[**Kris**](https://www.linkedin.com/in/kbennatti/): Former CPA turned data scientist. 10+ years in capital markets. 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Systems and Computing Engineer. Msc on Information Security. \nIn God I trust, all others must bring data.\n+8 years working on software development, serving thousands of customers on a SaaS platform for real state in LATAM.\n+5 years working on fintech space.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/davidsusa", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/def3b3ccfdd3b842f96d6a10b0ca9aef8e923c3d.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24681, "name": "Verde", "slug": "verde", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f6787a334a02661832a554e3902839e2550b8d7.png", "website": "https://www.verde.agr.br", "all_locations": "São Paulo, SP, Brazil", "long_description": "Verde is a lending platform that offers fast loans to small-and-medium sized farmers in Brazil. 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Helping employees to avoid late payment fee on bills, access emergency cash and substitute expensive debt. We work on a B2B2C model allowing companies to extend the product as a benefits program to their employee base.", "one_liner": "Abhi is Pakistan's 1st financial wellness platform focusing on…", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1626433454, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Pakistan", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/abhi", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/abhi.json", "year_founded": 2021, "city": null, "country": "PK", "linkedin_url": "https://www.linkedin.com/company/abhikaropk", "x_url": "https://twitter.com/abhikaropk", "fb_url": "https://www.facebook.com/abhikaropk", "cb_url": "https://www.crunchbase.com/organization/abhi", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c082c73a45600373e3b41285064f23805d9ab93a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 582824, "full_name": "Omair Ansari", "title": "Founder", "founder_bio": "An investment Banker by background with a \nparticular focus on Emerging/Frontier equity market \nspace, both public and private. Lived on the ground \nin over 8 countries, specifically in places like Lagos, \nDubai, Bombay, Johannesburg, to name a few. He \nwas a PM at Morgan Stanley running 2 funds with a \nfocus on consumer and fintech.\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/omair-ansari-40494329", "x_url": "https://twitter.com/OmairAnsari16", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b0593da1a3f4b492d4287419da6c3bb3b35aa96c.jpg" }, { "user_id": 704406, "full_name": "Ali Ladhubhai", "title": "Founder", "founder_bio": "Ali is an ex-banker who has held managerial roles in retail banking/ wealth management with HSBC and Samba Bank in Pakistan. Ali co-founded Karlocompare.com.pk, a financial services aggregator helping some of the largest financial institutions (banks and insurance companies) in Pakistan distribute their consumer finance products digitally. He subsequently moved to Foreepay (Pvt) Ltd, an accounts aggregator & payments company where he was leading the Business Development department.", "is_active": true, "linkedin_url": "https://pk.linkedin.com › ali-ladhubhai-205b0710a", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a5ea589a1c3228012774d4a37c3910af7770436d.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24686, "name": "Suplias", "slug": "suplias", "former_names": [ "Suplias Technologies" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/001394843368de730075cbf6fb2ac288b814ba15.png", "website": "https://suplias.com", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Suplias helps FMCG manufacturers in Africa receive payments and finance inventory purchases of their distributors using a mobile app called Obtainly.\r\n\r\nWe launched in Nigeria, where we have been growing revenue by 32% month over month for the last 11 months\r\n\r\nOur founding team has a combined 25+ years of experience in supply chain and ecommerce having worked for Procter & Gamble, Pepsi Co, Gap and Jumia, the #1 ecommerce company in Africa.", "one_liner": "We enable FMCG distributors in Africa buy inventory on credit", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1625063921, "tags": [ "Fintech", "Marketplace", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/suplias", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/suplias.json", "year_founded": 2019, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/suplias", "x_url": "https://twitter.com/suplias", "fb_url": null, "cb_url": null, "github_url": "https://github.com/suplias", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/001394843368de730075cbf6fb2ac288b814ba15.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 294543, "full_name": "Sefa Ikyaator", "title": "Founder", "founder_bio": "CEO of Suplias | Retail Distribution Expert", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sefa-ikyaator-52617946/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cb596445ada72882d5f39b0c1257c2532f74b8d0.jpg" }, { "user_id": 447387, "full_name": "Stephen Igwue", "title": "Founder", "founder_bio": "Previously founding CTO Suplias (S21).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/stigwue/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/39506e8d6167cfbcc10704d2bb11ae356681e69c.jpg" } ], "jobs": [], "news": [ { "title": "Fresh from funding and YC, Nigerian B2B marketplace Suplias aims to supercharge its growth - Disrupt Africa", "url": "https://disrupt-africa.com/2021/08/26/fresh-from-funding-and-yc-nigerian-b2b-marketplace-suplias-aims-to-supercharge-its-growth/", "date": "Aug 25, 2021" }, { "title": "Exclusive: Y Combinator’s new batch features Suplias, a Nigerian B2B inventory startup founded by Ex-P&G retail experts | Business Insider Africa", "url": "https://africa.businessinsider.com/local/markets/exclusive-y-combinators-new-batch-features-suplias-a-nigerian-b2b-inventory-startup/w27n30q", "date": "Aug 12, 2021" } ], "launches": [] }, { "id": 24830, "name": "GamerPay", "slug": "gamerpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f8dc7e6411f0e24078034824dc1838738dc806d3.png", "website": "https://gamerpay.gg", "all_locations": "Copenhagen, Denmark", "long_description": "GamerPay is a marketplace for trading gaming skins and assets without scams. We do this by integrating with games to instantly validate all trades.\r\n\r\nWe launched 3 months ago and transacted 245.000 dollars growing 30% MoM. \r\n\r\nTalking to 5.000 gamers we learned that 46% have been scammed more than once. Over half are minors, who are stuck trading for cash on social media due to their age. \r\n\r\nWe are the first to build a fully compliant system for parental consent, enabling the majority of gamers to trade legally and giving the parents peace of mind.\r\n\r\nThere are 215 million trades annually in games we support. We make 7 dollars on average per trade. So a $1.5B initial market, growing fast alongside gaming and blockchain game economies. \r\n\r\nThe team behind previously co-founded the largest transactional marketplace for secondhand high end clothes in Denmark, with 1 million users and a yearly transacted GMV north of $40 million.", "one_liner": "We are the marketplace for trading gaming skins & assets without scams", "team_size": 6, "industry": "Consumer", "subindustry": "Consumer -> Gaming", "launched_at": 1624993690, "tags": [ "Fintech", "Marketplace", "Gaming" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Acquired", "industries": [ "Consumer", "Gaming" ], "regions": [ "Denmark", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/gamerpay", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/gamerpay.json", "year_founded": 2020, "city": "Copenhagen", "country": "DK", "linkedin_url": "https://www.linkedin.com/company/gamerpayio/", "x_url": "https://twitter.com/GamerPayGG", "fb_url": "https://www.facebook.com/gamerpay.gg", "cb_url": "https://www.crunchbase.com/organization/gamerpay", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f8dc7e6411f0e24078034824dc1838738dc806d3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 717748, "full_name": "Martin Lykke Suhr", "title": "Founder", "founder_bio": "Generalist, coder, head of growth, paid marketing - Co-founder of GamerPay, ex. ultrarunner, farther of two.\n\nPreviously co-founded Denmarks largest transactional marketplace Trendsales. Grew it from 0 to 1 mio. users and a GMV north of 40mill dollars.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/martingeorgesuhrmadsen/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1a102d47116ff281c703eeed6fdcb512946c53c2.jpg" }, { "user_id": 149477, "full_name": "Morten Byskov", "title": "Founder", "founder_bio": "Co-founder @ GamerPay and Product Lead. \nI love winning, especially peoples hearts. I'm double black belt in Karate, I never quit and I'm always on the lookout for that next challenge. My career consist of 5 years as a broker @ Maersk, 2 years as a PO @ SumUp along with a few startup failures. I'm also graduate of YC's first online Startup School (2017). Winner of Net’s Fintech Challenge, and winner of Startup Weekend. \n\nAll this has lead to you reading these lines.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mortenbyskov", "x_url": "https://twitter.com/zukwizCS", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ded0710bedff2e6b3f5278ffd54858105f5f7b02.jpg" }, { "user_id": 721484, "full_name": "Peter Haldbæk", "title": "Founder", "founder_bio": "Co-founder at GamerPay.\n\nMore than 20 years of development experience ranging from traditional web applications, backend development, fat desktop clients and native mobile apps in both corporate and startup settings.\n\nIndustry experience ranges from banking, shipping and the public sector to marketplaces in the startup space along with consulting jobs as a contractor.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/peterhaldbaek/", "x_url": "https://twitter.com/phaldbaek", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce4b968ab33b6d34a3d8207d7669c5b1c7f4eae4.jpg" }, { "user_id": 725797, "full_name": "Mathias Hermansen", "title": "Founder", "founder_bio": "Co-founder & CEO of GamerPay. Been working on marketplaces since 2013 covering various business & Product mgmt roles. Held roles as COO and most recently as CPO building Denmarks largest transactional marketplace going from 0 til $40 mio GMV. 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Our B2B2C platform aggregates job seekers, tutors and employers – streamlining training and placement.\r\n\r\nTechcrunch: \"Edtech meets SaaS in Careerist’s job placement learning platform. The startup trains job seekers through live and self-paced training taught by third-party tutors. The adaptive learning software is meant to help candidates prep for tech interviews. Once a candidate is well equipped, Careerist uses automation to help them apply for jobs.\"", "one_liner": "Learning platform for job seekers with job applications automation", "team_size": 100, "industry": "Education", "subindustry": "Education", "launched_at": 1627410249, "tags": [ "Education", "Fintech", "Recruiting" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Education" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/careerist", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/careerist.json", "year_founded": 2019, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/jobeasy", "github_url": "https://github.com/careeristinc", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/639a74b99945fd44c299d69ed80b3245dcd6d7d2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 483884, "full_name": "Ivan Tsybaev", "title": "Founder", "founder_bio": "Founded by serial entrepreneurs, that previously built and later sold Trucker Path, America's most popular mobile app for truck drivers. Ivan has over 10 years of entrepreneurial experience and expertise in fast product-led growth.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ivantsybaev/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/37d744a4499bf0e7b1600cf069110b016fe69add.jpg" }, { "user_id": 330998, "full_name": "Max Glubochansky", "title": "Co-Founder & CBO", "founder_bio": "I build and scale products that turn into real businesses.\n\nCo-founder of Careerist, a YC-backed edtech company that helped thousands of people transition into tech careers.\n\nMy work spans product, QA, UX, marketing, sales, and conversion growth. I’m good at finding the weak points in a business system, from product to acquisition to onboarding to retention, and turning them into clearer messaging, better execution, and stronger outcomes.\n\nRight now, I’m focused on applied AI and AI system effic", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/maxqa/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/37a6f4d531436eb58103525a8092200812173767.jpg" }, { "user_id": 483890, "full_name": "Max Gusakov", "title": "Founder", "founder_bio": "Max Gusakov has participated in several startups in the US, including Trucker Path (acquired by RenRen in 2017). In 2019, Max became the technical co-founder of Careerist (JobEasy) and is currently the CTO. Max’s interests include classic coaching and meditation, and he focuses on product thinking, automation, and communication best practices in his role at Careerist.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gusakovm/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a508fc57dab7c29159af60af68b0452670282833.jpg" } ], "jobs": [], "news": [ { "title": "Pitch Deck That Y Combinator Alum Careerist Used to Raise $8 Million", "url": "https://www.businessinsider.com/pitch-deck-ycombinator-alum-careerist-raise-funding-2023-3", "date": "Mar 29, 2023" } ], "launches": [] }, { "id": 25106, "name": "Apollo", "slug": "apollo-3", "former_names": [ "Yodaa.club", "TBA", "Yodaa", "Yodaa BizFirst", "Yodaa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ea4e2897740aa14e96c42667cc3be13a0f2c9e8.png", "website": "https://www.apollofirst.xyz/", "all_locations": "Bengaluru, KA, India", "long_description": "", "one_liner": " Payments & Loyalty Infrastructure ", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1647271982, "tags": [ "DeFi", "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/apollo-3", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/apollo-3.json", "year_founded": 2022, "city": "Bengaluru", "country": "IN", "linkedin_url": "", "x_url": "https://twitter.com/Apollo1HQ", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ea4e2897740aa14e96c42667cc3be13a0f2c9e8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 806204, "full_name": "Tanmaay K", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tanmaay-k-413400217/", "x_url": "https://twitter.com/Tanmaay_K", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/36f2ee7f55a9c87e3c5c9e9397b909548b9d03e3.jpg" }, { "user_id": 814897, "full_name": "S G", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shival-gupta-1782b6217/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a5f5b9321be1020ed3e6a43c8aea51135de50ce4.jpg" } ], "jobs": [ { "id": 54621, "title": "JS/Web3 Full Stack Engineer (YC backed Web3 + FinTech company)", "url": "https://www.ycombinator.com/companies/apollo-3/jobs/pU6LGTh-js-web3-full-stack-engineer-yc-backed-web3-fintech-company", "location": "Bangalore, Karnataka, India / Remote (India)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "HTML", "JavaScript", "Node.js", "React", "Rust" ] } ], "news": [], "launches": [ { "id": 66060, "title": "BizFirst: Accept Crypto Payments and run NFT-based loyalty programs on your Website/E-Commerce Store.", "tagline": "Web3 Payments & Loyalty Infrastructure ", "body": "Hey folks!👋 We at [Apollo](https://www.apollofirst.xyz/) have just launched our first product [BizFirst](https://www.bizfirst.xyz/)! \n\nWe, as a team have previously built large-scale fintech products for SMBs in SEA & India. Having experienced many problems faced by SMBs with traditional payments & due to our involvement with Crypto/Blockchain from the very early days - We decided to build [BizFirst](https://www.bizfirst.xyz/) \n\n## BizFirst helps online merchants to:\n\n1. Accept Crypto (USDC) Payments 💰\n2. Send & Receive USDC invoices 🧾\n3. Run an NFT-based Loyalty program i.e. Token-Gate, Offer Discounts for NFT collections & issue store-branded discount NFTs for your store. 🪄\n\n## Merchants love BizFirst because using BizFirst allows them to:\n\n1. Reduce up to 80% on the Transaction fee\n2. Get their money instantly (less than 5 secs vs 6-7 days)\n3. Go Global from Day 0 (No country-by-country setup, 0 Cross-border fee)\n4. Avoid Chargebacks (Crypto Payments are irreversible from Day 0)\n5. Attract & meaningfully engage customers (NFT-based loyalty programs)\n\n \n\n## Asks\n\n1. We’d also love Intros to solid product engineers & marketers to join us. ([Open Roles](https://www.ycombinator.com/companies/apollo-3/jobs))\n2. Share [BizFirst](https://www.bizfirst.xyz/) with your network & show some love. \n3. Follow us on [Twitter](https://twitter.com/MyBizFirst)!\n\n ![uploaded image](/media/?type=post&id=66060&key=user_uploads/806204/961f0200-0d11-413b-96c7-a78518d79190)\n\n ![uploaded image](/media/?type=post&id=66060&key=user_uploads/806204/8b1122fe-b7b0-43ae-9789-bfc7ae8bfd94)\n\n ![uploaded image](/media/?type=post&id=66060&key=user_uploads/806204/c189b165-7b91-48ec-9532-0834ee8b2d56)\n\n", "url": "https://www.ycombinator.com/launches/HBU-bizfirst-accept-crypto-payments-and-run-nft-based-loyalty-programs-on-your-website-e-commerce-store", "votes": 39, "created_at": "2022-09-14T14:57:25.317Z" } ] }, { "id": 25118, "name": "Arc", "slug": "arc-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e6594af5b3bfb4435bc6c0611eb94d41fb69de9.png", "website": "https://www.joinarc.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Arc is the cash management and capital markets platform for technology companies. Arc helps businesses manage cash, unlock competitive yield, raise debt capital, and access AI-powered financial services – all in one unified platform.\r\n\r\nFounded in 2021, Arc has headquarters in San Francisco and New York City and is backed by investors including Left Lane Capital, NFX, Bain Capital Ventures, Atalaya, Clocktower Technology Ventures, Torch Capital, and Y Combinator. To learn more, visit www.joinarc.com.\r\n\r\nArc is a financial technology company, not a bank. For important information about Arc, see our general disclosures: https://www.joinarc.com/general-disclosures", "one_liner": "Banking & Funding for Startups", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642185516, "tags": [ "Banking as a Service", "Fintech", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/arc-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/arc-2.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/join-arc", "x_url": "https://twitter.com/join_arc", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/arc-technologies-245d", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3e6594af5b3bfb4435bc6c0611eb94d41fb69de9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 602523, "full_name": "Nick Lombardo", "title": "Founder", "founder_bio": "Co-Founder & CEO @ Arc Technologies. Intelligent cash management & growth capital for technology companies.\n\nCo-Founder & Board Member @ F2. Compounding intelligence for private markets.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicholas-m-lombardo/", "x_url": "https://twitter.com/nicklom12", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7e74b33fbe2315cbc72d7861b1166de5e7813b16.jpg" } ], "jobs": [], "news": [ { "title": "In the banking crisis' wake, Arc launches Arc Gold", "url": "https://news.fintechnexus.com/in-the-banking-crisis-wake-arc-launches-arc-gold/", "date": "Mar 21, 2023" }, { "title": "Arc launches Yield to support startups during rate hikes | News", "url": "https://news.fintechnexus.com/arc-launches-yield-to-support-startups-during-rate-hikes/", "date": "Feb 02, 2023" }, { "title": "Arc Launches Advance Plus, Bridging the Gap Between Traditional Venture Debt and Revenue-Based Financing - FinTech Futures", "url": "https://www.fintechfutures.com/techwire/arc-launches-advance-plus-bridging-the-gap-between-traditional-venture-debt-and-revenue-based-financing/", "date": "Jan 11, 2023" }, { "title": "Arc Debuts 'Hybrid Financing' for Startups | PYMNTS.com", "url": "https://www.pymnts.com/startups/2023/arc-debuts-hybrid-financing-as-startups-scramble-for-cash/", "date": "Jan 11, 2023" }, { "title": "Arc Launches \"Startup Growth Stories\" Empowering Founders To Share Their Story", "url": "https://finance.yahoo.com/news/arc-launches-startup-growth-stories-130000322.html", "date": "Sep 07, 2022" } ], "launches": [] }, { "id": 25120, "name": "Elevate (formerly Bloom)", "slug": "elevate", "former_names": [ "East Africa Financial Technologies Inc (Brand name: Bloom).", "EAFT (Brand name: Bloom).", "EAFT (Bloom)", "Bloom", "bloom", "Bloom" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bc3d0ef28fa8806d45415f17c3713cfab0728c8a.png", "website": "https://www.elevatepay.co", "all_locations": "Dubai, Dubai, United Arab Emirates", "long_description": "We provide US based USD deposit accounts that sit with a licensed banking partner. Elevate's FDIC-insured USD accounts offer ACH, wire inbound and outbound payments, and a free Mastercard debit card. Our regional payout partners enable our users to send their money back home at very low cost. We're targetting non-US residents in emerging markets who struggle to get paid in USD.", "one_liner": "US based USD accounts for non-US residents ", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1646751404, "tags": [ "Fintech", "Payments", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Arab Emirates", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/elevate", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/elevate.json", "year_founded": 2021, "city": "Dubai", "country": "AE", "linkedin_url": "https://www.linkedin.com/company/elevatepay/", "x_url": "https://twitter.com/elevatepayhq", "fb_url": "https://www.facebook.com/elevatepayhq/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bc3d0ef28fa8806d45415f17c3713cfab0728c8a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 820053, "full_name": "Khalid Keenan", "title": "Founder", "founder_bio": "Imperial College graduate in Computing. 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I studied Mathematics at the University of Nottingham.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/feed/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/48fd3e960a3c81155ee2c59b0ddb428e1186cc1c.jpg" } ], "jobs": [], "news": [ { "title": "Starting in war-torn Sudan, YC-backed Elevate now provides fintech to freelancers globally | TechCrunch", "url": "https://techcrunch.com/2024/06/06/once-serving-war-torn-sudan-elevate-now-services-other-emerging-markets/", "date": "Jun 06, 2024" }, { "title": "Y Combinator-backed Elevate enters Pakistan, aims to resolve freelancers’ payment woes - Technology - Business Recorder", "url": "https://www.brecorder.com/news/40285044", "date": "Jan 22, 2024" } ], "launches": [] }, { "id": 25160, "name": "Compra Rápida", "slug": "compra-rapida", "former_names": [ "Compra Rapida" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/597b354ebabd4350f20655a359475ece57b2fd91.png", "website": "https://www.comprarapida.co/", "all_locations": "São Paulo, SP, Brazil; Remote", "long_description": "Compra Rápida is checkout made easy. Our platform offers a headless checkout experience for e-commerce stores, enabling retailers to increase conversions, retain abandonment, and boost sales. Registered users can buy at any e-commerce site from our network without requiring lengthy registration forms or complicated payment processes. Stores can automate their sales and recovery flows with our AI sales assistant. We aim to empower retailers to sell more while providing shoppers with a superior, humanized, and effortless buying experience.", "one_liner": "One-click checkout and AI sales assistant for LatAm.", "team_size": 21, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1641949937, "tags": [ "Fintech", "B2B", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B", "Retail" ], "regions": [ "Brazil", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/compra-rapida", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/compra-rapida.json", "year_founded": 2021, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/comprarapida/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/597b354ebabd4350f20655a359475ece57b2fd91.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": 562254, "full_name": "Mario Marcoccia", "title": "Founder", "founder_bio": "An engineer from São Paulo that is passionate about technology and growth. \n ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mariomarcoccia/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c2180c68545cebb16e2c64006873f71a92653d61.jpg" } ], "jobs": [], "news": [ { "title": "Brazil's answer to Bolt, Compra Rapida raises BRL 4 million round", "url": "https://labsnews.com/en/news/business/compra-rapida-raises-round-led-by-iporanga-ventures/", "date": "Jan 12, 2022" } ], "launches": [] }, { "id": 25274, "name": "Remedial Health", "slug": "remedial-health", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/73343b42d603697aebf63d6beec0b8dca3a8c093.png", "website": "https://remedial.health", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Remedial Health sells medicine wholesale to the 1 million pharmacies and hospitals in Africa. Today in Africa, pharmacies shop in open-air medicine markets where they pay higher prices for counterfeits medicines. 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Started 3 companies and exited 2 whilst at university. Currently the Founder and CEO of Remedial Health - improving affordability and access to medicines by providing direct to retail medical and non-medical consumables from manufacturers to pharmacies in Africa.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samuelokwuada/", "x_url": "https://twitter.com/sammville", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f59ab4ae1fa66bc2ad2a1f4540720232b742bfe9.jpg" }, { "user_id": 587550, "full_name": "Victor Benjamin", "title": "Founder", "founder_bio": "Co-founder Remedial Health \nA salesman by passion, with a well established background of over 10years in pharma sales. My drive and strategy has earned me several awards as best salesman and distributor back to back for over 4 years at my previous work place.\nI bring my experience and strategy to grow sales, increase revenue generation and geographical expansion at Remedial Health.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/feed/?trk=404_page", "x_url": "https://mobile.twitter.com/benjamin_victor", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/20bc7f57d953a42110c80573807b02b47bb292e5.jpg" } ], "jobs": [], "news": [ { "title": "Nigeria's Remedial Health gets QED backing in $12M round | TechCrunch", "url": "https://techcrunch.com/2023/07/31/remedial-health/", "date": "Jul 31, 2023" }, { "title": "Nigeria's YC-backed Remedial Health raises $4.4M seed funding • TechCrunch", "url": "https://techcrunch.com/2022/09/20/nigerias-yc-backed-remedial-health-raises-4-4m-seed-funding/", "date": "Sep 20, 2022" }, { "title": "How Nigeria’s Remedial Health is making Africa’s pharmaceutical sector more efficient - Disrupt Africa", "url": "https://disrupt-africa.com/2022/07/25/how-nigerias-remedial-health-is-making-africas-pharmaceutical-sector-more-efficient/", "date": "Jul 24, 2022" }, { "title": "Remedial Health: Optimizing Pharma Procurement in Sub-Saharan Africa", "url": "https://www.global.vc/perspectives/remedial-health-optimizing-pharma-procurement-in-sub-saharan-africa", "date": "Mar 19, 2022" }, { "title": "YC-backed Remedial Health raises $1 million pre-seed to digitize pharmacies in Nigeria – TechCrunch", "url": "https://techcrunch.com/2022/02/14/yc-backed-remedial-health-raises-1-million-pre-seed-to-digitize-pharmacies-in-nigeria/", "date": "Feb 14, 2022" } ], "launches": [] }, { "id": 25304, "name": "Kapital Bank", "slug": "kapital-bank", "former_names": [ "Kapital" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e7631cd35e1333e5d0030032021c458ed7fc190.png", "website": "https://www.kapital.mx", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Cash management solution that offers debit & credit solutions for Enterprise/SMBs in LATAM. \r\n- 24/ Multi-treasury: FX, multiple debit global accounts, payroll & services payment to all the world 24/, wires\r\n- Corporate Expenses: dashboard and prepaid cards to control your employee's budget & expenses\r\n- Credit Card: flexible global line where you can decide to use it as a revolving line or as a simple amortizable credit in installments. ", "one_liner": "Empowering businesses to grow. ", "team_size": 3600, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642007431, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kapital-bank", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/kapital-bank.json", "year_founded": 2020, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/kapital-mx/", "x_url": "https://twitter.com/KapitalMexico", "fb_url": "https://www.facebook.com/KapitalMX", "cb_url": "https://www.crunchbase.com/organization/kapital-smartbank/company_financials", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e7631cd35e1333e5d0030032021c458ed7fc190.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": 775282, "full_name": "Rene Saul", "title": "Founder", "founder_bio": "I CREATE AND EXPAND THE IDEAS", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rene-saul-5044aa25/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b3f14e347bceeaa4dd12968ffc7abd6fe1f48f8f.jpg" }, { "user_id": 793064, "full_name": "Fernando Sandoval Oseguera", "title": "Founder", "founder_bio": "I am a person with an innovative spirit and passion for business & technology. I have more than 10 years of experience working in the financial & consulting industries. I love innovation and ideating, but more importantly, I structure and execute the ideas. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fernando-sandoval-oseguera-/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0dd6d75d6a1b8840655c931bbb041e57dde61118.jpg" } ], "jobs": [], "news": [ { "title": "Fintech Kapital obtiene autorización inicial para un banco en Colombia", "url": "https://www.bloomberglinea.com/latinoamerica/mexico/fintech-kapital-obtiene-autorizacion-inicial-para-un-banco-en-colombia/", "date": "Oct 19, 2026" }, { "title": "Kapital gets more of its own capital to help LatAm businesses monitor cash flow | TechCrunch", "url": "https://techcrunch.com/2023/05/25/kapital-business-cash-flow-latam-fintech/", "date": "May 25, 2023" }, { "title": "Kapital obtiene 30 mdd para crecer en México y Colombia", "url": "https://www.forbes.com.mx/kapital-obtiene-30-mdd-para-crecer-en-mexico-y-colombia/", "date": "Jul 07, 2022" } ], "launches": [] }, { "id": 25305, "name": "Railbird", "slug": "railbird", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5e6d4ea5d981a729d0ce6ebe8a84504111445b16.png", "website": "https://www.railbirdexchange.com/", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "At Railbird, we are building a prediction market exchange designed to hedge and mitigate risk for the services sector. The Railbird team has years of experience analyzing companies in the service sector and has seen firsthand how little opportunity there is to hedge risk in volatile markets like hospitality, tourism, recreation, entertainment, and sports. The platform is designed to be open to all traders.", "one_liner": "A futures market for events.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1645141573, "tags": [ "Fintech", "Marketplace" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/railbird", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/railbird.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/railbird/", "x_url": "https://twitter.com/railbirdxchange", "fb_url": "https://www.facebook.com/Railbird.Technologies", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5e6d4ea5d981a729d0ce6ebe8a84504111445b16.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 694249, "full_name": "Miles Saffran", "title": "Founder", "founder_bio": "Miles is the co-founder and CEO of Railbird Technologies Inc.\n\nPrior to founding Railbird, Miles was an investment research analyst at Point72 covering the fintech and gaming sectors. Before that, he was a data scientist at the Orlando Magic, where he built machine learning models to assist with scouting and in-game play.\n\nHe received a B.S. in Computer Science from Yale University.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/miles-saffran-00468810b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e8a969d316343604e282a717957e835b08118175.jpg" } ], "jobs": [], "news": [ { "title": "DraftKings acquires predictions platform Railbird", "url": "https://www.cnbc.com/2025/10/21/draftkings-railbird-predictions-platform-acquisition.html", "date": "Oct 21, 2025" } ], "launches": [] }, { "id": 25315, "name": "Rebill", "slug": "rebill", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac317d3596d742abd3e551f40119a6ba9a7f3d40.png", "website": "https://www.rebill.com", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Rebill is the financial infrastructure platform for the Americas.\r\n\r\nThe companies shaping software, AI, travel, and digital services use Rebill to operate across Brazil, Mexico, Argentina, Colombia, Chile, and the United States.\r\n\r\nRebill brings local payments, installments, recurring billing, stablecoin rails, treasury, global payouts, and financial operations into one platform built for how money actually works across the Americas.\r\n\r\nEvery market is different. Rebill makes the infrastructure consistent. Engineering, finance, and operations teams can manage local currency acceptance, market-specific payment behavior, funds, and financial workflows from the same platform.\r\n\r\nCompanies can launch in Latin America in as little as a day and expand across markets without rebuilding their financial stack country by country.\r\n\r\nBuilt locally. Designed to scale globally.", "one_liner": "Financial infrastructure for the Americas", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1645553649, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Argentina", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Rebill started from a clear problem: companies wanted to sell in Latin America, but payments were too fragmented to scale efficiently. Approval rates were weak, local methods were missing, subscriptions were hard to manage, and every country required a different setup.\r\n\r\nWe began by solving that pain directly, helping merchants collect more effectively across the region. As we went deeper, it became obvious that the real gap was not just billing software, but infrastructure. Companies needed a single platform that could abstract away local complexity and let them operate across markets with speed.\r\n\r\nThat is how Rebill evolved from solving recurring payments into building payments infrastructure." }, { "question": "How did you decide to apply to Y Combinator? What was your experience applying, going through the batch, and fundraising at demo day?", "answer": "We applied to YC because we were building in a category with a much bigger opportunity than people usually assumed. We did not want to build a regional tool. We wanted to build infrastructure with global relevance.\r\n\r\nYC helped us sharpen the story, move faster, and think much more clearly about category, ambition, and execution. It pushed us to simplify the message and focus on what truly mattered.\r\n\r\nThe batch and Demo Day helped us position Rebill as a company solving a fundamental infrastructure problem, starting with LATAM and expanding beyond it." }, { "question": "How have you kept in touch with the YC community and continued to use YC resources & programs since the batch ended?", "answer": "We stay active in the YC community through Bookface, founder relationships, and ongoing use of YC resources across fundraising, hiring, product, and tactical problem solving.\r\n\r\nWhat continues to matter most is access to founders who are building with intensity and clarity. YC remains part of our operating environment, not just part of our history." }, { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "Rebill started by addressing recurring billing and payment problems for companies operating in Latin America. Early on, we focused on helping merchants navigate subscriptions, collections, and the operational complexity of the region.\r\n\r\nThe first major inflection point was realizing that software alone was not enough. The deeper problem was payment infrastructure itself: local rails, local methods, acquiring, recovery, and settlement.\r\n\r\nThe second major inflection point came when we moved closer to the rails and began building direct infrastructure instead of depending only on third parties. That changed the economics, product depth, and strategic value of the business.\r\n\r\nToday, Rebill is building a broader payments infrastructure layer for LATAM and the US, with the long-term goal of becoming the financial infrastructure for underserved markets." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "The core problem is that companies expanding across LATAM and similar markets face fragmented payment infrastructure.\r\n\r\nThey need local methods, better conversion, subscription support, transparent settlement, and a fast path to launch, but the market is still dominated by patchwork solutions, slow enterprise processes, and country-by-country complexity.\r\n\r\nThis is a big problem because payment performance directly affects growth. Poor infrastructure means lower approval rates, less access to local demand, slower launches, and lost revenue.\r\n\r\nWe decided to work on it because we saw firsthand how large the gap was and how few companies were actually productizing a solution that developers and operators could use quickly." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Our long-term vision is to build the financial infrastructure layer for underserved markets.\r\n\r\nWe are starting with payments in LATAM and the US because that is where companies feel the pain most immediately: collecting money, scaling across markets, and doing it without operational chaos. Over time, we want to make entering complex markets as simple as launching in the most developed ones.\r\n\r\nIf we succeed, companies will no longer need to assemble fragmented providers, local entities, and manual workflows just to operate internationally. They will integrate once and scale across markets through infrastructure that makes difficult geographies feel simple." } ], "url": "https://www.ycombinator.com/companies/rebill", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/rebill.json", "year_founded": 2020, "city": "Buenos Aires", "country": "AR", "linkedin_url": "https://www.linkedin.com/company/rebill", "x_url": "https://twitter.com/rebillteam", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/rebill-inc", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac317d3596d742abd3e551f40119a6ba9a7f3d40.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 43569, "full_name": "Nahuel Candia", "title": "Founder/CEO", "founder_bio": "Nahuel is the Founder and CEO of Rebill, building financial infrastructure for global companies in LATAM and the US.\nHe is an MIT-recognized entrepreneur who built 3 companies before 30.\nDeveloper since 14, he remains highly hands-on across product, engineering, and execution.\nBefore Rebill, he founded Shovel Apps and was CTO of Ando.la, later acquired by Moova.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nahuelcandia/", "x_url": "https://twitter.com/dncandia", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3e324ec6481088e92fa92133c49f2dcc6d2ecedd.jpg" }, { "user_id": 598544, "full_name": "Ariel Diaz Ailan", "title": "Founder", "founder_bio": "Building the financial infrastructure platform for the Americas at Rebill. We help global software, AI, travel, and digital services companies operate across Latin America and the US with local payments, billing, treasury, and payouts. 16 years in e-commerce, 12 in software, and 6 in fintech. Happy to compare notes on payments, financial infrastructure, and international expansion.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/diazailan", "x_url": "https://www.twitter.com/diazailan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e32bb55f229b15c068f957c5f94b28f13fec07bc.jpg" } ], "jobs": [ { "id": 109740, "title": "VP of Sales", "url": "https://www.ycombinator.com/companies/rebill/jobs/3xYpdc9-vp-of-sales", "location": "Miami, FL, US / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$90K - $120K", "equity_range": "0.30% - 0.60%", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 109741, "title": "Head of Growth", "url": "https://www.ycombinator.com/companies/rebill/jobs/rNjIwYH-head-of-growth", "location": "Miami, FL, US / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$100K - $160K", "equity_range": "0.30% - 0.50%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 109742, "title": "Head of Engineering", "url": "https://www.ycombinator.com/companies/rebill/jobs/HOM79GY-head-of-engineering", "location": "Miami, FL, US / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Engineering manager", "salary_range": "$120K - $180K", "equity_range": "0.30% - 0.50%", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 113402, "title": "Head of Marketing, B2B Payments", "url": "https://www.ycombinator.com/companies/rebill/jobs/4zDmYmC-head-of-marketing-b2b-payments", "location": "Miami, FL, US / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote (Mexico City, CDMX, MX; 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Besides startups, I'm interested in Formula 1, cars, and planes, but also in architecture, fashion, and history.", "is_active": false, "linkedin_url": "http://linkedin.com/in/tfriehe", "x_url": "https://twitter.com/tfriehe_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f7a18b0d5f2540e3332864a2b99ec7e039a93bd8.jpg" } ], "jobs": [], "news": [ { "title": "Has Y Combinator’s new deal changed the early-stage investing game?", "url": "https://techcrunch.com/2022/01/13/has-y-combinators-new-deal-changed-the-early-stage-investing-game/", "date": "Jan 13, 2022" }, { "title": "How to hire without resumes from social media", "url": "https://www.fastcompany.com/90712236/we-skipped-resumes-and-sourced-candidates-directly-from-online-communities-like-discord", "date": "Jan 13, 2022" }, { "title": "Y Combinator-Backed Wingback Raised $1.9 Million Using This Pitch Deck", "url": "https://www.businessinsider.com/y-combinator-backed-wingback-19-million-using-this-pitch-deck-2021-11", "date": "Nov 09, 2021" } ], "launches": [] }, { "id": 25322, "name": "VantedgeAI", "slug": "vantedgeai", "former_names": [ "8vdx", "8vdX", "8vdx", "VentedgeAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/12fd444a2c7a34b121c256f9259458e601b0351a.png", "website": "https://www.vantedgeai.com/", "all_locations": "Norwalk, CT, USA", "long_description": "FundOS is the agentic operating system for fund managers. It replaces the manual \"human glue\" between a fund's systems with audit-logged AI agents — covenant monitoring, capital calls, diligence, recon, and reporting — running on the data funds already have, via MCP, with no migration. Dogfooded at Eight Capital, where FundOS runs a 270+ company YC portfolio off a single spine of data, auto-generating NAVs and K-1s. Clients include Semper Capital (London) and a New York asset manager. SOC 2, role-based access, LP-scoped data, and a full audit trail. Built by a team that ran a credit fund for 15 years.", "one_liner": "FundOS — AI operations for fund managers", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1641821942, "tags": [ "Fintech", "SaaS", "Workflow Automation", "Analytics", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/vantedgeai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/vantedgeai.json", "year_founded": 2021, "city": "Norwalk", "country": "US", "linkedin_url": "https://www.linkedin.com/company/vantedgeai", "x_url": "https://x.com/vantedgeAI", "fb_url": "https://www.facebook.com/vantedgeAI", "cb_url": "https://www.crunchbase.com/organization/8vdx", "github_url": "https://github.com/8vdx1", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/12fd444a2c7a34b121c256f9259458e601b0351a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 754637, "full_name": "Ravi Chachra", "title": "Founder", "founder_bio": "Ravi cofounded VantedgeAI (W22), and has invested in over 270+ YC companies through a demo day fund, Eight Capital. In 1999, he co-founded SNAZ, a venture backed mobile wallet and universal shopping cart. After the Dot.com bust, he set up a distressed fund to acquire busted convertibles bonds of tech cos that could thrive in the future. In 2019, he set up a pvt. credit fund which was sold in 2021 to his JV partner, J.C. Flowers & Co. Ravi holds a Degree in Computer Science and a Wharton MBA.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rchachra/", "x_url": "https://twitter.com/rchachra", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5924ae5024e7221014146da3f8c32d3541967da8.jpg" }, { "user_id": 763615, "full_name": "Vijay Lavhale", "title": "Founder", "founder_bio": "Building VantedgeAI\nInvesting at Eight Capital", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vijay-lavhale-86b06938/", "x_url": "https://www.twitter.com/vijay_lavhale1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5a1a246f671e71e4764cba5f0f6a9c27830cb2fc.jpg" } ], "jobs": [], "news": [ { "title": "Venture Debt Fund 8vdX's New Move To Aid Startups In Early Stages", "url": "https://www.vccircle.com/venturedebt-fund-8vdx-s-new-move-to-aid-startups-in-early-stageshttps://www.vccircle.com/venturedebt-fund-8vdx-s-new-move-to-aid-startups-in-early-stages", "date": "Jan 04, 2023" }, { "title": "8vdX Secures Investment To Back Early And Growth Stage Startups", "url": "https://inc42.com/buzz/venture-debt-player-8vdx-secures-investment-to-back-early-and-growth-stage-startups/", "date": "May 27, 2022" }, { "title": "How venture debt marketplace 8vdX provides funds on founder-friendly terms", "url": "https://yourstory.com/2022/04/venture-debt-marketplace-8vdx-startups-ravi-chachra/amp", "date": "Apr 12, 2022" } ], "launches": [ { "id": 89343, "title": "🚀 Vantedge AI — The Agent marketplace to scale your investing workflows", "tagline": "AI agent marketplace with a secure data layer infrastructure and compliance framework", "body": "Hi everyone! We’re building **an agent marketplace** with a secure data layer infrastructure and compliance framework **for institutional investors and fintech AI startups**.\n\n### **🧠 The Problem**\n\nInstitutional Investors know they need to adopt AI — but where does one start?\n\n* AI is new, noisy, and fragmented.\n* Consultants lack the required knowledge and are expensive.\n* Broadly available mainstream AI tools aren't built with investor workflows, compliance, or security in mind.\n\nMeanwhile, fintech AI startups are building targeted specialised agents — but distribution to investment funds is a huge challenge.\n\n### **💡 Our Solution**\n\n**Vantedge AI** is the first Agent marketplace with distribution to a rapidly expanding client base of 10+ blue-chip institutional investors managing **$100B+ in AUM**.\n\n* **For investors:** A secure, plug-and-play platform with curated AI agents to streamline research, diligence, and analysis.\n* **For AI startups:** A distribution and infrastructure layer that gets your agents in front of institutional clients, with SOC 2-level compliance, usage tracking, and real-world data access.\n\nWe’re now opening up access to our Agent Marketplace for startups building fintech AI tools.\n\n### **⚙️ How It Works**\n\n* Investors can upload any document or search for filings and instantly run a vetted AI agent — like an SEC filings parser or investment memo generator.\n* AI startups can integrate their agents through our SDK and securely run them inside investor workflows — no sales motion required.\n* All data is stored in a secure Data Vault with workspace-level access, so funds can collaborate and startups can serve verticalized use cases.\n\n🎥 [Here’s a 90-second demo of how it works](https://youtu.be/piElxwuZXbM):\n\n---\n\n### **🎯 Who It’s For**\n\n* **Investors and funds**: Looking to adopt AI but want a secure, curated, and compliant solution.\n* **AI startups**: Building tools for the investment ecosystem and looking for distribution, infrastructure, and real customers.\n\n---\n\n### **📣 Call to Action**\n\n* 🎯 **Funds**: Want to try the platform? **Please reach out to us at** [**founders@vantedgeai.com**](mailto:founders@vantedgeai.com)\n* 🤖 **AI startups**: Want distribution to $100B+ in AUM? [**Join the Agent Marketplace waitlist**](https://forms.gle/cHen2Hh74n3B1Npr8)\n\n### **🙌 Thanks YC**\n\nWe wouldn’t be here without the YC community, and we’d love your feedback, intros, or support. If you’re building in AI, fintech, or investing, we’d love to connect.", "url": "https://www.ycombinator.com/launches/NF1-vantedge-ai-the-agent-marketplace-to-scale-your-investing-workflows", "votes": 12, "created_at": "2025-04-08T19:51:06.367Z" }, { "id": 80487, "title": "Yardstick - Data-driven startup valuation and KPI benchmarking tool", "tagline": "Benchmark and value startups with ease", "body": "Hello, YC community! We're Ravi and Vijay, data enthusiasts and startup founders who've faced the significant challenge of quantifying startup success. Through our experiences in building and growing companies, we've recognized a glaring need in the market for transparent, accessible benchmarking and valuation metrics—tools that rely on data rather than just intuition or incomplete data. Here is a [quick demo](https://app.storylane.io/share/916eqxtsotpo). \n\n![uploaded image](/media/?type=post&id=80487&key=user_uploads/763615/96e63adc-0b0b-46db-a6cc-0ddca5afeb65)\n\n**What Yardstick Offers:**\n\nYardstick delivers comprehensive tools for accurately benchmarking startup performance and estimating valuations. _Our platform utilizes an extensive dataset of startup performance metrics, providing growth rate percentiles to precisely position startups against a broad database. Moreover, Yardstick computes valuation estimates_ through sophisticated models that analyze KPIs in relation to valuation data and qualitative insights from hundreds of startups.\n\n**The Problem and Our Journey:**\n\nNavigating the vibrant startup ecosystem, we found that evaluating these ventures has traditionally been more art than science_. Our experience in assessing hundreds of early-stage startups for equity and debt investments revealed the difficulty of understanding their market standing without resorting to costly market research or external consultants_. This challenge inspired the creation of Yardstick.\n\n**Our Solution:**\n\nYardstick seamlessly integrates into the workflows of fintechs, investors, and entrepreneurs wanting to underwrite a startup’s performance. Our solution offers not just KPI benchmarking but also insights into current valuations. _With both an API and a user-friendly web application_, Yardstick serves both technical and non-technical users, ensuring comprehensive accessibility.\n\n**Give it a try:**\n\nWe are thrilled to introduce Yardstick and are eager for your feedback. Whether you are a fintech looking to perform KPI benchmarking on potential clients, an investor in need of data-driven tools, or a startup founder trying to understand where your startup stacks up against peers or what should be the latest valuation based on current traction, [we invite you to try out Yardstick](https://ventureinsights.ai/yardstick/) (without a need to sign up!) and share your insights. For those interested in integrating our tools directly, check out our [API documentation](https://documenter.getpostman.com/view/32615745/2sA35G3MMX).\n\nWe look forward to your feedback!\n\nThank you,\n\nRavi and Vijay", "url": "https://www.ycombinator.com/launches/KwB-yardstick-data-driven-startup-valuation-and-kpi-benchmarking-tool", "votes": 7, "created_at": "2024-04-29T16:44:40.352Z" }, { "id": 79828, "title": "Ventureinsights.ai - Stay on top of your angel portfolio with Smart Updates", "tagline": "Effortlessly oversee your investments, with all the critical information you need at your fingertips", "body": "As an angel investor, if you have more than a handful of startups in your portfolio - staying on top of how each company has been performing through their investment updates is hard as it is difficult to remember their KPIs and goals from their past investment updates. At [VentureInsights](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3p1W5CnVzJ74HHFqW2cDQZK3w0lS2N2DPgRM2mnSXW7jhCrx1-80tGW6KWBsH3yQ423W3dCVRC4zzGg0W7SFwY58DSQxwW1wh6wZ1yNz2yW2vwcTV6R2x7WW8wFCM24RdyFBW3pbYyX8JcB6mW9dC9Yy98f9RLW8GM13H59q25kN5JDmyQ5NJfHW7bflGj4W15DbW39dwrq2sZ44lW5MSk1L4Ytt7YN29Pt1s17ZP8W39H9Nq1CPqbrW3DBFhf1SJ7qyW4mfrMn7_yq8fW4rPFC65-11JFW2VLKHY4BjmnYW7grPCC5NJqgZW3nxBSB4yr6LxMdG2b7tjzyDf5J9l9b04), we understand the value of your time and investments. That's why we've developed a tool that makes it super easy to monitor and manage your angel investments - introducing the [Smart Updates](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3p0W8fMLXx20nsnJW1Fvfzk6LTlP8W7_dsKt4MkxzyW7T-3sj5km1B2W8lqhdj1vMTQrW6sggCG8Jq_dqN2NQgS0YVlbcW5xtKvn5wf6VvVvQ49m70_-3zVgNJNn8k216sW2_mcJy5Hl3wLW1TfLDV4Q-LdNW6j82r87k1rF4W6q-ZFr2YTTCqW3GHkcR7hz18dN7-ndQnKdzldW4qwwSL8MqJHbW3nV7Fy6Y_TGpN3B7ZKfrf5MmW1Ww_9j5Mkt4vVL6n3X3FwV22W5L00xN6LMzKFW8KLgCj5GB_fDV3P8q38yQBpxW583JwQ83tvL8W6L7LzC8dLjx4f4qcN9T04) tool.\n\nYou can check out a quick demo here: \n\n[Smart Updates](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3nvW2KsthG7X96xrN50pTLK_FNYWN7015NBP-H4NW2FHRff7hYp1rW3VxbFM4fFNvrN7TZNPL81Rx1W6g377d734DhZW5ypF8m8W5nZpW804f8l5DhMsDW4XB9ss2dfGn-W1BkkVW551P7yW1fFJD868ChbQN7sgyWVP3wjQW3LCD753v0hbRW71Nzv42zVC0bVjpXy21wGF9zW19W_D443lVc-W12vQXT8kPHLHW1Kck915rMMt8W4LMN0J4K92bwW5qvD716NvgvwW8cBhhG81-GHDW2GMCy15YydKNW2BPzxL6mQrXwW5DvtKh6Gw1ssW7fSQNv5nF78FdTBS7P04) is designed to streamline your investment oversight process. It collates, summarizes, and visualizes the key performance indicators (KPIs) of your portfolio companies through engaging graphs and concise summaries. Our tool also smartly tags and organizes periodic updates from founders, allowing for a seamless review process.\n\n![](https://lh7-us.googleusercontent.com/HW6OYmd-pGO2k9jwRLHrY6Z-zCB79mLvmx-8DMW4240EyJR-mvVMQCRFg3etNY5M_K7k1nUfGt3Mz9VQaUR1RaJ8RsPyYqrPAE29lM0DudvTL7enJ4Y4RSIYZS2Tnel5DmBJx42arzcePasBykiBY-o)\n\nImagine having the ability to effortlessly oversee your investments, with all the critical information you need at your fingertips. [VentureInsights](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3ngW3ryJGW988LTtVCB1qF3P6-vKV36xRM2qB12PW8cD7cx7NSV9-W5xfpFw676htDW7V4P7D1qWRpSW7Zv5Rb1nlw6TW4cnG0F3P4XD2W6T2KzH3yzsB0W6qM6Gj8VF64tN55l1Xf_hxnGW2YXl3T1Vt3rgW7W86w07jC8DvW7GRV6N4qWD6DW6nzz735lLkhXW2jCN6Z63jGhrW68NjHW81PX0xW6jkWXD2X_LYGW5RZHt835pHw1N78K1WkRJFMcW1t90vJ545dxkW5x3mW95jRDPCW5gy2LH6qbJKHW16_zgx13L1c-W43SF4V62lwBgW8FL4Pt3HpS31f6Z0gDF04) makes this possible, through a dashboard with the insights you need to make informed decisions and maximize the potential of your portfolio.\n\nWe believe that effective monitoring leads to better support for your investments and, ultimately, to higher returns. Let VentureInsights take the complexity out of managing your angel investments, so you can focus on what you do best - identifying and investing in the next unicorn! \n\nLearn more and sign up by visiting [VentureInsights](https://d2vchz04.na1.hs-sales-engage.com/Ctc/I9+23284/d2VcHZ04/Jll3l5QDW7Y8-PT6lZ3nHW1sBdsm3Nnz8wW9llzzq4q5vt3N3mz7FK7GZxJW22YdHZ6NL9dLW1Q2VPz4_hWr7VFBrpq8bcvRSN846zRq1lLBFN1dwH99HldbCN2W3fM0jzHRhW3zQ73V93GGl8N52DSZBB67vnW3m6MSS6LN4DXW5LmmR18wC_SQW4VkpTP3Bdc2LW1419rf3Yzkp8W2R3VGW10-MwfN1x34MPHjqgQW9hHggj96cYLQW43PKsz8H3q0hW71rLtY2xG6H2N3kYKzmf7-MQVKvxSz26_tGvW1SZp0X3wWy8nW4WMzfB5BNhStW4JSl5t7YnKsfW2DF5Z52Z8wPlf1xW0tv04) today. \n\n Best,\n\n8vdx Team", "url": "https://www.ycombinator.com/launches/KlY-ventureinsights-ai-stay-on-top-of-your-angel-portfolio-with-smart-updates", "votes": 10, "created_at": "2024-03-30T21:34:33.124Z" }, { "id": 76266, "title": "🚀 VentureInsights: Intelligent data-driven decision-making for investors", "tagline": "VentureInsights harnesses AI to empower VCs and angels with actionable intelligence and data-driven decision-making.", "body": "Hey everyone! 👋\n\nWe're thrilled to unveil [**VentureInsights**](https://www.8vdx.com/ventureinsights/), our latest venture in revolutionizing early-stage investing. Having backed over 90 YC startups, we've crafted a solution to the persistent challenges of investment discovery, analysis, and monitoring.\n\n[ ](https://www.youtube.com/watch?v=IDo_EN21P4E)\n\n### **The Problem**\n\nEarly-stage investing is fraught with scattered data, cumbersome discovery, and a lack of effective tools for analyzing startups with minimal track records. Post-investment, investors grapple with the pain of tracking scattered investment updates, often losing out on pivotal insights.\n\n### **The Solution**\n\nEnter VentureInsights, your AI-driven hub for early-stage investing. Here's how we're changing the game:\n\n1. **Easy Discovery**: Connect with actively fundraising startups, reducing the grunt work of finding investment-worthy ventures.\n2. **In-Depth Analysis**: Convert inbound founder communications into detailed investment profiles with our AI Analyst tool, giving you the essentials to make informed decisions swiftly.\n3. **Smart Monitoring**: Our Smart Updates feature parses regular updates from your portfolio companies, offering a continuously refreshed performance snapshot and industry benchmarking via the 'Yardstick' score.\n\nAlready, many YC founders have expressed interest in VentureInsights. Experience VentureInsights firsthand with the [**click-through**](https://app.storylane.io/share/sfhx5tbvsqmv) demo or just book a personal demo with our team through this [**calendar link**](https://meetings.hubspot.com/vijay-lavhale/vi-demos).\n\nTo celebrate our launch, we're providing $200 in joining credits that can be applied towards subscription fees ($19.99/month), and AI reports ($9.99/report). No credit card is needed to start your trial.\n\nJoin the venture revolution with us, and let's navigate the investment journey together.\n\nCheers,\n\nRavi and Vijay (Founders@8vdx.com)", "url": "https://www.ycombinator.com/launches/Jq6-ventureinsights-intelligent-data-driven-decision-making-for-investors", "votes": 12, "created_at": "2023-11-15T23:47:27.197Z" }, { "id": 68625, "title": "8vdX - Extend your seed extension with a ‘seedex booster’ of up to $1M", "tagline": "Venture debt marketplace with a fundraising stack for early stage startups", "body": "**We are excited to announce the launch of 8vdX Seedex Booster, a new addition to our expanding product portfolio at 8vdX. This product offers early stage startups the opportunity to access seed extension debt of up to $1 million.**\n\nUntil recently, we were focused on providing bridge to Demo Day loans to current YC batches. However, the current market environment has given us the opportunity to expand our product offering.  The 8vdX Seedex Booster aims to solve some of the fundraising challenges currently being faced by founders including;\n\n* Not enough funding runway to meet the performance benchmark expectations of series A investors\n* Decreased valuations that require founders to achieve significantly higher targets in order to avoid a down round \n* Raising seed extension rounds can be challenging in the current environment\n\n8vdX's Seedex Booster program augments a startup’s seed extension raise with up to $1 million of additional funding with founder friendly venture debt.\n\n**How it works is pretty simple:**\n\n**8vdX is offering to contribute up to 25% of a startup's seed extension round**, with the remaining 75% sourced from insiders or others. Our ticket size is between $250k-$1 Mn, capped at 25% of your seed-ex round. Here is an example of how it would work:\n\n* Let’s say you are a startup which has just launched a **$1 Mn seed-ex round** and applied for the 8vdX seedex booster. After evaluating your startup, 8vdX gives a commitment of $250k representing 25% of the total seed-ex round. \n* **We will disburse the $250k** along with the $750k equity investment from other investors. _If you raise $750k in multiple tranches, we can make pro-rata disbursements_.\n* Maturity of up to 18 months or Series A closing, whichever is earlier\n\n_Assuming, the following terms have been negotiated and agreed upon by both parties:_\n\n* Interest cost: \n * cash interest of 1% per month ($2.5k) that you pay each month and\n * bonus SAFE of 5% i.e. ($125k) with the same valuation cap as the seed extension investors. \n\n_8vdX allows for flexibility in selecting a combination of cash interest and bonus SAFE._\n\n* Repayment schedule: The seedex booster will be repaid with the Series A funding. However, founders have the option to create an amortization schedule to prepay the loan or extend it upon maturity.\n\nOverall terms are founder-friendly terms as there is **no prepayment penalty, no collateral, no personal guarantees & no enforcement action.**\n\n**Please apply at** [**8vdx.com**](http://8vdx.com) **or email us at** [**zeronote@8vdx.com**](mailto:zeronote@8vdx.com)\n\n**Our aim is to help you achieve your maximum potential and successfully raise Series A funds.** How do we know this approach works? We have firsthand experience using it to drive growth and secure successful fundraises for startups. In fact, our own business model was developed through observing startups leverage our capital to accelerate their growth and secure successful fundraises.\n\nWe are thrilled to have already partnered with over 20 YC startups and look forward to supporting you as well. Join us in driving this innovative approach to fundraising!\n\n**Interested startups, please visit our digital** [**platform**](https://8vdx.com/) **to learn more and apply.** The entire process is simple, transparent, fast, and completely digitized. If you have any questions, please feel free to email us and we will be more than happy to set up a call.\n\nThanks,\n\nTeam 8vdX", "url": "https://www.ycombinator.com/launches/Hqr-8vdx-extend-your-seed-extension-with-a-seedex-booster-of-up-to-1m", "votes": 15, "created_at": "2023-01-23T16:24:03.035Z" }, { "id": 66668, "title": "Fundraising CRM for early stage startups from 8vdX", "tagline": "Enabling startups to fuel their growth through our fundraising stack and alternative sources of capital", "body": "Hi guys! **We are so excited to share our new fundraising CRM!** This is a product that is something we desperately needed, so we built it to help not only us, but the larger startup community. 🥰\n\n**The Problem:** \n\nAs we all know, fundraising can be overwhelming **😩** and hard to keep track of:\n\n* Leads can be hard to organize and schedule. \n* Following up with everyone who contacts us can be difficult!\n* Research on the caliber and reputation of VCs can be hard to gauge. Do they have a history of investing in companies like us? What are their normal check sizes? 🧐 Who is in their existing portfolio?\n\n![My Dumpster Fire Is Filled To The Brim Sarah Wayne Callies GIF - My Dumpster Fire Is Filled To The Brim Sarah Wayne Callies Robin Perry GIFs](https://media.tenor.com/lMrxlxggxXMAAAAC/my-dumpster-fire-is-filled-to-the-brim-sarah-wayne-callies.gif)\n\nWe could go on, but you get it– we’ve lived it, after all. \n\n**The Solution 😃:**\n\nOur new fundraising CRM makes organizing your raise easy by:\n\n* Keeping track of your leads, including follow ups and replies. \n* Making it easy to upload your leads and track them from initial contact to close in a single place\n * This is particularly useful for anyone who is still fundraising from the S22 batch!\n* Targeting investors with high conversion rates and larger check sizes 🤑\n* Providing a clear snapshot of where you are in your goals with our dashboard. 🥳\n\n![uploaded image](/media/?type=post&id=66668&key=user_uploads/763615/2e7f70ea-bd3f-4ae2-b052-3b4331a3af10)\n\n**We just launched and would love any and all feedback on this!** Your time is valuable, so the **first 20 startups** able to get on a zoom call with us will get a **$100 gift card to Amazon.**\n\nMuch love,\n\nThe 8vdX fam❤️", "url": "https://www.ycombinator.com/launches/HLI-fundraising-crm-for-early-stage-startups-from-8vdx", "votes": 46, "created_at": "2022-10-12T17:04:14.257Z" } ] }, { "id": 25328, "name": "Momento", "slug": "momento", "former_names": [ "momento" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/38d68fb5813f3fe9c931fd72dc47dbabdd81f6fb.png", "website": "https://www.tumomento.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "In Momento we are going through a challenging regulatory process to become a fully-licensed insurance carrier. By doing so, we will be able to underwrite risk, set prices and, ultimately, become owners of the product.\r\n\r\nOnce approved, around summer 22, we will be in a great position to size the $13bn untapped opportunity of +30 Mn uninsured vehicles – just in Mexico! As we will be able to attack the main pain points in the market: i) antiquated underwriting models and ii) payment conditions only adapted for the affluent.\r\n\r\nTo succeed, we have assembled an elite team with both innovative and experienced profiles. We are three cofounders, two ex-McKinsey and one ex-P&G, and we managed to attract two heavyweights of the Mexican insurance industry: the previous CUO of Zurich Mexico and the previous CFO and VP of Finance of ING and AXA Mexico. 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During his tenure at McKinsey, Lois focused on serving Financial Institutions and Private Equity funds across Europe and the US.\nLois is an alumnus of ICADE (Universidad Pontificia de Comillas) where he studied Law and Business Administration.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lois-rogel-vence-54b49090/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f31e92d12e8f07bc83693f5e45ec3273caf8d080.jpg" }, { "user_id": 860835, "full_name": "León Bartolomé Carreño", "title": "Founder", "founder_bio": "León is co-founder at Momento.\nPrior to founding Momento, León was an Associate at McKinsey & Company, where he worked for 3 years. During his tenure at McKinsey, León focused on strategy projects in insurance companies and private equity funds as well as in operations improvement projects across industries.\nLeón is an alumnus of Imperial College London where he studied Mechanical Engineering (Master's level).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/le%C3%B3n-bartolom%C3%A9-carre%C3%B1o-2097a4107", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6ae54e0e758325fd0371a5b84ba2eb5c6d3e075.jpg" }, { "user_id": 860781, "full_name": "Andrés Guerrero Álvarez", "title": "Founder", "founder_bio": "Andrés is Co-Founder at Momento. Prior to founding Momento, Andrés was e-Business Manager at P&G for 3 years, focusing con marketing and distributing FMCG products in the online channel. Andrés is an alumnus of Imperial College (BA), Warwick Business School (MA) and Carlos III University of Madrid (MA).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andres-guerrero-alvarez-116972146/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4b480139630b22f91a80ee83982d82510c157f5b.jpg" } ], "jobs": [], "news": [ { "title": "Rounds of the Week: Momento Seguros Raises $10.5 Million to Begin Operations", "url": "https://www.bloomberglinea.com/english/rounds-of-the-week-momento-seguros-raises-105-million-to-begin-operations/", "date": "Aug 04, 2023" } ], "launches": [] }, { "id": 25341, "name": "Wagetap", "slug": "wagetap", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d38ad7785b7af1240fa55c48a8574a60cc6bf8c3.png", "website": "https://www.wagetap.com/", "all_locations": "Sydney, NSW, Australia", "long_description": "Wagetap is a mobile app that allows users to get an advance of up to $2,000 on their next payday and pay their bills in more manageable installments. Wagetap's vision is to offer a suite of financial products to become the financial partner for everyday people.", "one_liner": "Advance next payday, and BNPL for bills", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1644461225, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Australia", "Oceania", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/wagetap", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/wagetap.json", "year_founded": 2020, "city": "Sydney", "country": "AU", "linkedin_url": "https://www.linkedin.com/company/wagetap", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d38ad7785b7af1240fa55c48a8574a60cc6bf8c3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 809450, "full_name": "Mitchell Stevens", "title": "Founder", "founder_bio": "Mitchell Stevens is the cofounder and CEO of Wagetap, which he started with Declan Conlon in 2019. 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We connect banks, API providers, and networks in a single platform and provide automated reconciliation and accounting, so companies can maintain financial accuracy at scale.\r\n\r\nOur integrated financial operating system gives companies a unified back-office data platform across their services and providers. With Proper, companies can spend less time on low-level financial system infrastructure and more time focused on building for their end-users.", "one_liner": "Reconciliation and financial operations platform", "team_size": 10, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1641484259, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/proper", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/proper.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/properfinance-io/", "x_url": "https://twitter.com/proper_finance", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/proper-ae41", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d5080bb4e9d3cbdac8c35addffff537031b3acee.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 814484, "full_name": "Kyle Maloney", "title": "Founder", "founder_bio": "Prev: Co-Founder & CEO of Proper (Acq. by Intuit)\n\nCurrent: Product @ Mercury", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kylemaloney17/", "x_url": "https://twitter.com/kylemaloney_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/89aa375a0602b93246f837e2344a1bdddde235b4.jpg" }, { "user_id": 854345, "full_name": "Travis Gibson", "title": "Founder", "founder_bio": "Previously at Marqeta for almost 7 years where I was an early engineer and helped to build the core payments api then moved on to lead a team focused on money movement. Started Proper with Kyle to build out solutions for the biggest headache in fintech - financial data integrity. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/travisgibson1", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fb6276614f9ca61f518e18c954c50777d4d808fc.jpg" } ], "jobs": [], "news": [ { "title": "Intuit acquires IP and hires talent from Proper Finance - Intuit Blog", "url": "https://www.intuit.com/blog/innovative-thinking/small-business/intuit-acquires-ip-and-hires-talent-from-proper-finance/", "date": "Mar 11, 2024" }, { "title": "Proper raises $4.3M seed round to help other fintechs wrangle data – TechCrunch", "url": "https://techcrunch.com/2022/06/08/fintech-startup-proper-yc-y-combinator-data-integration-operations/", "date": "Jun 08, 2022" }, { "title": "Y Combinator-backed Proper Finance Raises $4.3M to Create the First Integrated Reconciliation Software for Fintechs to Maintain Complete Financial Accuracy", "url": "https://finance.yahoo.com/news/y-combinator-backed-proper-finance-110000017.html", "date": "Jun 08, 2022" } ], "launches": [] }, { "id": 25346, "name": "Transfez", "slug": "transfez", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cf4bb6093a727267a92cc70e9bafd5dd3bde3b1a.png", "website": "https://www.itsjack.com", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "", "one_liner": "Brex for small businesses in Indonesia ", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1647229092, "tags": [ "Fintech", "SaaS", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/transfez", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/transfez.json", "year_founded": 2020, "city": "Jakarta", "country": "ID", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cf4bb6093a727267a92cc70e9bafd5dd3bde3b1a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 414021, "full_name": "Edo Windratno", "title": "Founder", "founder_bio": "Cofounder & CEO @Transfez ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/edowindratno/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e95de30eb4923e163c94cd5f9ac7bac645e993bd.jpg" }, { "user_id": 581003, "full_name": "Bondan Herumurti", "title": "Founder", "founder_bio": "CTO of Transfez. 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For me it always been fascinating to become a part of tech community moving very fast from an era to another era.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bondanherumurti/", "x_url": "https://twitter.com/bondanherumurti", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/74aef1dc30ea2d8a2b43ac4e54d4a32decc8cb67.jpg" } ], "jobs": [], "news": [ { "title": "Jack, the fintech platform to empower Indonesia's SMEs", "url": "https://east.vc/news/from-portfolios/jacks-financial-solutions-to-empower-indonesias-smes", "date": "Oct 11, 2023" } ], "launches": [] }, { "id": 25394, "name": "InferEdge", "slug": "inferedge", "former_names": [ "Harmoney" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9ca294ba99345dad1e7a7357621f3373230c00cf.png", "website": "https://www.inferedge.com", "all_locations": "MH, India", "long_description": "InferEdge builds agentic AI for the buy-side - systems that run autonomously across research, portfolio management, and risk, for equity and fixed income. The point isn't generating a generic note - anyone can do that now. For example, when earnings season hits, our agents produce the quarter's coverage in your analysts' own tone and format, matching how your desk already writes, so it doesn't need a rewrite before it's usable. 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I love finding problems in financial systems and figuring out solutions to improve them. I am a silver medalist from IIT Bombay.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adityamehta1990/", "x_url": "https://twitter.com/adityamehta1990", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/80c057674e7579990f91ae4513669d539ff9626b.jpg" }, { "user_id": 837620, "full_name": "Amal Dani", "title": "Founder", "founder_bio": "I enjoy solving problems from a data and technology perspective. Before Harmoney, I built portfolio management solutions using tech at Goldman Sachs and data-driven trading strategies at a $2 Bn hedge fund. I am a computer science grad from IIT Bombay.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/amal-dani-cfa-845555107/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/37b2ae01604aee086382ed9a09e98a33738d072a.jpg" }, { "user_id": 593284, "full_name": "Omkar Ghaisas", "title": "Founder", "founder_bio": "After graduation, I have spent the last eight years of my career in Corporate Finance and Wealth Management. I enjoy learning about and solving financial problems. I predominantly look after business development at Harmoney.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/omkar-ghaisas/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dbe518c2016eae5b30881de5dc4d8dd1cdd88caa.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25401, "name": "Onyx Private", "slug": "onyx-private", "former_names": [ "Onyx Card" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2fbe8c7045dae33304d548585ce6f327970f8299.png", "website": "https://www.onyxprivate.com", "all_locations": "Miami, FL, USA", "long_description": "Onyx is a modern, accessible private bank for the next generation of affluent young professionals. We offer a unified digital-native premium banking and wealth management experience tailored for the overlooked groups of young high-earners and illiquid entrepreneurs, investors, and tech employees. Onyx aims to be the next-generation UBS. 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Nicolás studied Economics and Finance in Universidad Torcuato Di Tella.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicol%C3%A1s-piqueras-38404226/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/83391e34a7e4eea7921b2903ddd9307f45252892.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25531, "name": "haddock", "slug": "haddock", "former_names": [ "Haddock App" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/71c4ea7756f719ab0406967511bffcd788ad50be.png", "website": "https://haddock.app", "all_locations": "Barcelona, CT, Spain", "long_description": "haddock is a restaurant operations platform that combines a category-leading System of Record with AI-powered Systems of Action. It centralizes all operational and financial data into a single source of truth, and uses AI agents to autonomously execute workflows such as reconciliation, invoice validation, and incident resolution. 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Before building Sribuu, I created the biggest financial literacy community in Indonesia, and has taught more than millions of people in Indonesia how to manage their money better through my social media contents!\n\nI also previously worked as an investment analyst at Deutsche Bank and obtained my Master's degree in Finance from MIT.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nadiaamalia/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f0df0d806193986dc3c4c42c5115288fec0b1b20.jpg" }, { "user_id": 591191, "full_name": "Nadia Fadhila", "title": "Founder", "founder_bio": "I help to grow Fintelite to automate back office in finance industry. Our AI-driven back-office solutions focus on no-code OCR and rule-based automation for loan processing, underwriting, and insurance. My strength is in digital marketing, B2B lead generation, sales conversion and CRM. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nadia-fadhila-b9ba4675", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/91b53c8ef7386b0ced122ff88c51d56d9b7180d3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25559, "name": "Creizer", "slug": "creizer", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e133f719ea20c710baa8462baf8cd00a893f8c2c.png", "website": "https://www.creizer.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Creizer is Clearbanc (Clear.co) for LATAM. We provide revenue-based financing to online sellers.\r\n\r\nMore than 80% of SMEs can’t have access to loans in LATAM, thus limiting their growth. They represent 99% of online sellers in the region.\r\n \r\nAt Creizer we built a unique risk model in which the requirements for these online sellers are 100% accessible since the scoring is based on the store’s metrics and collections on a percentage of their daily sales.\r\n \r\nWe are growing 65% MoM and experiencing overdemand every month. Helping our customers to grow up to 7x in less than a year.\r\n", "one_liner": "Clear.co for LATAM. Revenue based financing for online sellers.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1645548350, "tags": [ "Fintech", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/creizer", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/creizer.json", "year_founded": 2021, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/creizer", "x_url": "https://twitter.com/CreizerMX", "fb_url": "https://www.facebook.com/CreizerMX", "cb_url": "https://www.crunchbase.com/organization/creizer", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e133f719ea20c710baa8462baf8cd00a893f8c2c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 428502, "full_name": "Emiliano Musalem", "title": "Founder", "founder_bio": "Emiliano is the founder and CEO of Creizer. Previously he was part of the launching team of Rappi(Doordash for Latam) in Cordoba, Argentina and Co-founder of a data analytic tool for SMEs. Passionate about how to optimize income distribution and boost developing countries' economies.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/emiliano-musalem-58463a135/", "x_url": "https://twitter.com/EmilianoMusalem", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b0a180d60c1510616d8330913b02d30f0eb2fcb6.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25560, "name": "Stock Unlock", "slug": "stock-unlock", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2064f4dcf2a95d814cac2fbfbdedfcd7ef27b92.png", "website": "https://stockunlock.com/", "all_locations": "New York City, NY, USA; New York, NY, USA; Remote", "long_description": "Stock Unlock is an investment education and analysis platform, built by retail investors, for retail investors. We make it easy for noobies to start their investment journey, and save time for the pros.\r\n\r\nWe are building THE place for investors to learn, grow, and invest confidently.", "one_liner": "Web-app | investment education and analysis tools for retail investors", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642088638, "tags": [ "Fintech", "SaaS", "Finance", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/stock-unlock", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/stock-unlock.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/stock-unlock/", "x_url": "https://twitter.com/stock_unlock", "fb_url": "https://www.facebook.com/StockUnlockOfficial", "cb_url": "https://www.crunchbase.com/organization/stock-unlock", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2064f4dcf2a95d814cac2fbfbdedfcd7ef27b92.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 891299, "full_name": "Jake Ruth", "title": "Founder", "founder_bio": "Jake is a software engineer that has always had a love for solving problems (like rubik's cubes) and building things (coding!).\n\nToday Jake has a decade of experience working as a senior software engineer at companies like Oscar Health. Jake is a \"culture warrior\" and always looking to solve tough problems.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jakeruth/", "x_url": "https://twitter.com/JakeMRuth", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/55e8efdb38c37ccc3404b2e056d88554025632eb.jpg" }, { "user_id": 893154, "full_name": "Daniel Pronk", "title": "Founder", "founder_bio": "Daniel Pronk is the co-founder and CFO of Stock Unlock. He is an adaptable entrepreneur who thrives on fresh challenges and personal growth. He became an entrepreneur in his youth and has started multiple businesses. Currently he owns an investing and finance YouTube channel with over 192,000 subscribers. He believes anything is achievable for those who are willing to work hard, and most importantly, believe in themselves.", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/daniel-pronk-658356133", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/60ba27966a2565e762f9dbc7f9a83ce07b7b4a96.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25576, "name": "Drivingforce", "slug": "drivingforce", "former_names": [ "OpenOps", "Trucking Up", "FreightOps", "drivingforce.ai" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fabc1eea159b033eedc3f4aa05730c1c4b7dd5a5.png", "website": "https://www.drivingforce.co/", "all_locations": "San Francisco, CA, USA", "long_description": "Drivingforce is building “Rippling for trucking”, an all-in-one workforce management solution for the trucking industry. We consolidate multiple back office functions such as compliance, payroll, and recruiting, so trucking fleets can manage their entire workforce in one place.\r\n\r\n\r\nCheck us out on TikTok!\r\ntiktok.com/@truckingnewbie", "one_liner": "Rippling for trucking", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Supply Chain and Logistics", "launched_at": 1641884071, "tags": [ "Fintech", "SaaS", "Logistics", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "B2B", "Supply Chain and Logistics" ], "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/drivingforce", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/drivingforce.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/drivingforcehq", "x_url": "https://twitter.com/drivingforcehq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fabc1eea159b033eedc3f4aa05730c1c4b7dd5a5.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": 425869, "full_name": "Kevin Huang", "title": "Founder", "founder_bio": "I'm an ex-Uber engineer and the founder of Drivingforce. We are building \"Rippling for trucking\", an all-in-one workforce management solution for trucking fleets. While researching the industry through building an audience on TikTok, I saw the myriad of back office challenges that fleet owners faced and started Drivingforce. \n\nCheck us out on TikTok!\ntiktok.com/@truckingnewbie", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/kevinzhuang10/", "x_url": "https://twitter.com/kevinzhuang10", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/59ba84689212952d3677cc290f09b87e9377e5f7.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator Company Exits Stealth Mode", "url": "https://www.freightcaviar.com/y-combinator-company-exits-stealth-mode/", "date": "Jun 23, 2023" }, { "title": "Meet the 29-Year-Old Behind TikTok's \"Trucking Newbie\"", "url": "https://www.businessinsider.com/tiktok-trucking-newbie-california-ab5-port-oakland-protests-2022-9", "date": "Sep 12, 2022" } ], "launches": [ { "id": 72422, "title": "Drivingforce - Rippling for trucking", "tagline": "All-in-one workforce management solution for the trucking industry", "body": "### **TLDR**\n\nDrivingforce is building “Rippling for trucking”, an all-in-one workforce management solution for the trucking industry. We consolidate multiple back office functions such as compliance, payroll, and recruiting, so trucking fleets can manage their entire workforce in one place.\n\n### **WHY is Rippling (or Gusto, ADP) insufficient for trucking?** \n\nCompliance is uniquely challenging for trucking fleets because:\n\n1. The majority of their workforce consists of truck drivers who are regulated by the Department of Transportation (DOT).\n2. Due to the nature of the labor market, there is a high volume of truck driver turnover within fleets, resulting in a considerable amount of administrative overhead.\n3. In addition to personnel, they also need to manage a number of expensive assets, such as trucks, trailers, etc.\n\nGeneric HR solutions (e.g. Rippling, Gusto, ADP, etc.) are insufficient for trucking fleets because they are not designed to address these distinctive needs. Consequently, fleets resort to adopting various point solutions alongside their HR providers, resulting in increased operational complexity of managing multiple systems.\n\n### **Solution**\n\nDrivingforce is an all-in-one workforce management solution designed for trucking fleets. It consolidates multiple point solutions into a single platform, simplifying compliance, fleet management, and HR operation. Key modules include:\n\n* **Compliance:** Automated monitoring and alerts ensure DOT and regulatory compliance.\n* **HR:** Streamlined onboarding and tracking of essential employee data and documents.\n* **Asset Management:** Efficiently track assets, assignments, and maintenance schedules.\n* **Hiring:** DOT-compliant digital application portal and applicant tracking system (ATS) optimized for driver recruiting.\n* **Payroll:** Seamless payroll processing, accommodating various pay structures like hours, miles, or load.\n\nWith Drivingforce, trucking fleets can effectively manage their back office all within a single platform.\n\n![uploaded image](/media/?type=post&id=72422&key=user_uploads/425869/797d4bd4-c4af-456f-9cbe-629c7a608668)\n\n### **Backstory**\n\nMy path to Drivingforce was not linear, and I had no prior experience in trucking. Previously, I worked on another supply chain idea related to manufacturing, but decided to pivot. While exploring other supply chain sectors, I became intrigued by the trucking industry due to its immense size and potential opportunities.\n\nAs I got started, I reached out to several other trucking founders in the YC community for guidance. Interestingly, a few of them independently shared a similar piece of advice: _\"If you want to learn about trucking, go to truck stops and talk to truckers.”_\n\nTaking their advice to heart, I embarked on a series of visits to truck stops. Along the way, I decided to document my experiences and learnings through [**TikTok, under the name “Trucking Newbie”**](https://tiktok.com/@truckingnewbie). Some of these videos gained traction within the trucking community. As the TikTok account grew, content creation became a unique way for me to engage with users and conduct market research.\n\nDuring my exploration, I consistently heard trucking company owners express their challenges in managing a dynamic workforce. As I delved deeper, I observed how they pieced together various tools and processes to manage their personnel and equipment while trying to comply with DOT regulations. Witnessing their frustrations with juggling multiple systems in their daily operations, the idea for Drivingforce took shape.\n\n![uploaded image](/media/?type=post&id=72422&key=user_uploads/425869/fe60374d-d25c-4e12-8e19-69727d333451)\n\n### **Asks**\n\n* **📣 Share:** Share this post with your network.\n* **🔔 Follow:** Follow us on [TikTok](http://tiktok.com/@truckingnewbie) and [LinkedIn.](https://www.linkedin.com/company/drivingforcehq/)\n* **🤝 Refer:** If you know of any trucking fleets that could benefit from Drivingforce, please connect us ([kevin@drivingforce.co](mailto:kevin@drivingforce.co)).", "url": "https://www.ycombinator.com/launches/Iq6-drivingforce-rippling-for-trucking", "votes": 136, "created_at": "2023-06-21T15:18:17.920Z" } ] }, { "id": 25584, "name": "SnapTrade", "slug": "snaptrade", "former_names": [ "Passiv" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4b0254a9a5db6150bdd38c4f4f6c5e4e98ac8c8e.png", "website": "https://snaptrade.com/", "all_locations": "Fredericton, NB, Canada", "long_description": "SnapTrade is an API to connect retail brokerage accounts to any fintech app. We enable API access to real-time account data, historical transactions, and trading. This makes it possible to build new investing experiences with existing brokerage accounts, so users don't need to transfer and it's easier to get started.", "one_liner": "Plaid for trading", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1643916978, "tags": [ "Developer Tools", "Fintech", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/snaptrade", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/snaptrade.json", "year_founded": 2017, "city": "Fredericton", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/snaptrade", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4b0254a9a5db6150bdd38c4f4f6c5e4e98ac8c8e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 211401, "full_name": "Brendan Lee Young", "title": "Founder", "founder_bio": "I'm originally from Trinidad and Tobago but I live in Canada (for now). In a past life I was a DJ and party promoter. Be careful what you say around me because I just might turn what you've said into a song and maybe a dance. Don't believe me? Just ask my wife :) \nFinally, I love helping people and finding win-win solutions. As an entrepreneur, my goal is to build something people want and love. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/brendanleeyoung/", "x_url": "https://twitter.com/BrendanLeeYoung", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/765a7dbacd89c31931f915952366f0e09fe09a8b.jpg" }, { "user_id": 204386, "full_name": "Brendan Wood", "title": "Founder", "founder_bio": "I'm a robotics engineer that specializes in software and high-performance computing. I'm a father of three from New Brunswick, Canada, and my favorite thing to do is drift down lazy rivers in a canoe.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/brendancalebwood/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7a66306bf56909313706f0ef8c35a5604674db3e.jpg" } ], "jobs": [], "news": [ { "title": "Passiv Joins Y Combinator Accelerator Cohort - Huddle.Today", "url": "https://huddle.today/2022/02/07/passiv-joins-american-startup-accelerator-cohort/", "date": "Feb 07, 2022" } ], "launches": [] }, { "id": 25586, "name": "Soon", "slug": "soon", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a99a7aeaa35a5697746a00619ab31de16eaa1ada.png", "website": "https://Soon.app", "all_locations": "Salt Lake City, UT, USA; Remote", "long_description": "With Soon you can invest without the stress of speculating. Our fully automated sweep account attaches to your bank and uses routine spending activity to signal market trades.\r\nBy investing on a schedule and selling available gains when you spend, Soon automates investing from beginning to end. No investing experience required, no need to time the market, just connect Soon to your spending account and build wealth.", "one_liner": "Automated sweep account, invest without the stress of speculating", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1645638140, "tags": [ "Fintech", "Crypto / Web3", "Investing" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/soon", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/soon.json", "year_founded": 2017, "city": "Salt Lake City", "country": "US", "linkedin_url": "https://linkedin.com/company/soonfinance", "x_url": "https://twitter.com/soonfinance", "fb_url": "https://facebook.com/soonfintech", "cb_url": "https://www.crunchbase.com/organization/soonapp", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a99a7aeaa35a5697746a00619ab31de16eaa1ada.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 868894, "full_name": "Michael Shattuck", "title": "Founder", "founder_bio": "Mike is a seasoned technology leader, innovator, and artist. As an ardent follower and practitioner of human-centered development, he has focused on building reliable, scalable software through test-driven development and iterative design. He has led several development teams and programs throughout his career.\n\nHaving worked as a software engineer for over a decade, Mike has extensive experience with large-scale architecture, machine learning, enterprise systems, and leadership.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mikeshattuck/", "x_url": "https://twitter.com/shattuckio", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/401ee639df92f355c3457acd635ccce3f7221d3e.jpg" } ], "jobs": [], "news": [ { "title": "Soon wants to put your sleepy cash to work in high-powered short-term investments - Utah Business", "url": "https://www.utahbusiness.com/soon-wants-to-put-your-sleepy-cash-to-work-in-high-powered-short-term-investments/", "date": "Apr 15, 2022" }, { "title": "Check Out the 28 Crypto Startups in Y Combinator's Latest Batch", "url": "https://www.businessinsider.com/check-out-the-28-crypto-startups-y-combinator-latest-batch-2022-3", "date": "Apr 04, 2022" }, { "title": "Soon drives Y Combinator launch day with cash flow plan - LendIt Fintech News", "url": "https://www.lendacademy.com/soon-drives-y-combinator-launch-day-with-cash-flow-plan/", "date": "Mar 31, 2022" }, { "title": "The 26 crypto startups that Y Combinator is backing in its W22 batch – TechCrunch", "url": "https://techcrunch.com/2022/03/29/the-25-crypto-startups-that-y-combinator-is-backing-in-its-w22-batch/", "date": "Mar 29, 2022" }, { "title": "How Fintech Soon Lets You Protect Your Cash Flow And Better Spend Investment Gains | Benzinga", "url": "https://www.benzinga.com/fintech/22/02/25858787/how-fintech-soon-lets-you-protect-your-cash-flow-and-better-spend-investment-gains", "date": "Mar 01, 2022" } ], "launches": [] }, { "id": 25593, "name": "Cardda", "slug": "cardda", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/64a0a5dd4f5579a046ac96d45ad1b947731896cf.png", "website": "https://cardda.com", "all_locations": "Santiago, Santiago Metropolitan Region, Chile; Mexico City, CDMX, Mexico", "long_description": "All-in-one spend management for businesses in Latam.\r\nWe give customers tools for bill payments, automated local transfers and corporate cards.", "one_liner": "All-in-one spend management for businesses in Latam", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1644575523, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Chile", "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/cardda", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/cardda.json", "year_founded": 2020, "city": "Santiago", "country": "CL", "linkedin_url": "https://www.linkedin.com/company/cardda/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/cardda", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/64a0a5dd4f5579a046ac96d45ad1b947731896cf.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 285661, "full_name": "Cristóbal Grinbergs", "title": "Founder", "founder_bio": "Cardda CEO and cofounder, the all-in-one spend management for business in Latam. Before, I built Rentz, a marketplace to rent heavy equipment that reached breakeven and worked at IBM and Procter and Gamble. Born in Chile 🇨🇱", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cgrinbergs", "x_url": "https://twitter.com/cgrinbergs", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9376e353ab9c023b45929f0926d27351a3b12778.jpg" }, { "user_id": 268775, "full_name": "Sebastián Hernández", "title": "Founder", "founder_bio": "Cofounder & CTO @ Cardda. The all-in-one spending management platform for business in Latam. Built Rentz, a marketplace for heavy machinery rental before pivoting to Cardda during the pandemic. Made in Chile.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sebastián-hernández-cardda/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ff73beaac09f8d96876eb5d3b16f972d5b74334d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 65557, "title": "Cardda 💵 ⚡️ - Business payments simplified in Latam", "tagline": "Meet Cardda, the simplest way for Latam companies to make their payments", "body": "**TL;DR** We're building [Cardda](https://cardda.com?utm_source=yc&utm_medium=post&utm_campaign=launchyc&utm_id=launchyc&utm_content=1), the simplest way for Latam companies to make their payments. We give corporate credit cards, tools for bill payments and automated local transfers.\n\n> Hi everyone! 👋 We are Sebastián and Cristóbal, and would love to tell you about [Cardda](https://cardda.com?utm_source=yc&utm_medium=post&utm_campaign=launchyc&utm_id=launchyc&utm_content=2).\n>\n> # **Problem**\n\n---\n\n---\n\n1. Businesses are wasting a lot of time paying other businesses, it's common to hear questions like: who approved this invoice?, who initiated this payment?, should we pay the supplier this week or next week?\n2. Employee expenses and reimbursements: receipts lost, reconciliation time consuming, visibility on payments weeks after purchases made, no control over what employees can pay and no budgets\n3. Corporate cards are slow to obtain, have poor spending controls and transactions aren't incorporated with company's accounting systems\n\n---\n\n# **Solution**\n\nWe enable companies to **initiate, track and reconcile every payment** they make to other businesses, using the local payments methods accepted by business and showing all the accounts payable in real time through direct integration with each country's invoice system.\n\nAPI and dashboard to **automate mass local payouts.**\n\n![uploaded image](/media/?type=post&id=65557&key=user_uploads/285661/4980c335-7df2-4626-9cd5-20d989706c8b)\n\n**Unlimited physical and virtual corporate credit cards** with granular controls to pay for their expenses, real time visibility in each purchase, set spending controls and option to block merchants.\n\n![uploaded image](/media/?type=post&id=65557&key=user_uploads/285661/0f9e9a56-0656-46dc-87bd-8f89d9cbdc04)\n\n---\n\n# **Ask 🤝**\n\n* If you are wasting time paying your bills, making reimbursements or your corporate cards aren't great, please reach out to us, would be thrilled to help!\n* Intros to companies in any vertical in Latam that are making more than 50 monthly payments\n* Follow us [here](https://cl.linkedin.com/company/cardda)\n\n---\n\n**We would love to talk to you! 🤩, please** [**click here**](https://calendly.com/cardda/15-yc) **for a 15 min chat or reach us at** [**founders@cardda.com**](mailto:founders@cardda.com)", "url": "https://www.ycombinator.com/launches/H3N-cardda-business-payments-simplified-in-latam", "votes": 36, "created_at": "2022-08-22T22:50:50.141Z" } ] }, { "id": 25608, "name": "Flagright", "slug": "flagright", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/09c76f2c8efc3d34c7d5faf491ca2acdfa542fb7.png", "website": "https://flagright.com", "all_locations": "San Francisco, CA, USA", "long_description": "Flagright helps fintechs & banks monitor, screen, investigate, and report their transactions & customers against financial crime risks with a best-in-class AML compliance software. Catering to a diverse clientele across various financial sectors, we serve customers across 6 continents. Flagright is a pioneer in the application of generative AI for AML compliance operations with its AI suite, Flagright AI, delivering unmatched scalability and extreme performance. Our products are designed to help our customers scale volume without scaling headcount and grow faster.", "one_liner": "AI-native AML compliance platform for fintechs & banks", "team_size": 58, "industry": "B2B", "subindustry": "B2B", "launched_at": 1642412738, "tags": [ "Fintech", "B2B", "Compliance", "Regtech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B" ], "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/flagright", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/flagright.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/flagright", "x_url": "https://twitter.com/FlagrightHQ", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/flagright", "github_url": "https://github.com/flagright", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/09c76f2c8efc3d34c7d5faf491ca2acdfa542fb7.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": 672295, "full_name": "Baran Özkan", "title": "Founder", "founder_bio": "Baran is co-founder and CEO of Flagright. He defines the product strategy at Flagright for making compliance & fraud prevention infrastructure more accessible for fintechs and banks. He has previously worked in various domains including healthcare, marketing, e-commerce, logistics, and most recently fintech. Baran is a Certified Anti Money Laundering Specialist (CAMS).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/baranozkan/", "x_url": "https://twitter.com/bo_flagright", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3902e3c84fed1a47d85c83924106cd84db472ebe.jpg" }, { "user_id": 595764, "full_name": "Madhu G Nadig", "title": "Founder", "founder_bio": "Madhu is co-founder and CTO of Flagright. He leads engineering and design, building the compliance & fraud prevention infrastructure for startups. He has previously worked in various domains including data analytics and integration for pharmaceuticals and social media marketing, core cloud computing infrastructure and real time systems for logistics & fintech. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/madhugnadig/", "x_url": "https://twitter.com/MadhugNadig", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1aa218feaeac404179fd6299e34c7d78ca0a8f7b.jpg" } ], "jobs": [ { "id": 89323, "title": "Senior Enterprise Business Development Representative - London", "url": "https://www.ycombinator.com/companies/flagright/jobs/fh3C94A-senior-enterprise-business-development-representative-london", "location": "London, UK / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94412, "title": "Head of Finance & Operations - San Francisco Bay Area", "url": "https://www.ycombinator.com/companies/flagright/jobs/gxz2iMc-head-of-finance-operations-san-francisco-bay-area", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94417, "title": "Senior Field Marketing Manager - London", "url": "https://www.ycombinator.com/companies/flagright/jobs/rwMfZet-senior-field-marketing-manager-london", "location": "London, UK / Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94420, "title": "Senior Account Executive - US", "url": "https://www.ycombinator.com/companies/flagright/jobs/Z565VOt-senior-account-executive-us", "location": "Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94653, "title": "(Sr) Enterprise Account Executive - London", "url": "https://www.ycombinator.com/companies/flagright/jobs/2gjF3uA-sr-enterprise-account-executive-london", "location": "London, UK / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94656, "title": "Marketing Associate Intern - Singapore", "url": "https://www.ycombinator.com/companies/flagright/jobs/VNxJzs3-marketing-associate-intern-singapore", "location": "Singapore, Singapore", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Flagright Raises $4.3 Million in Seed Funding to Advance AI-Native AML Compliance and Risk Management Solutions", "url": "https://www.flagright.com/post/flagright-raises-4-3-million-in-seed-funding-to-advance-ai-native-aml-compliance-and-risk-management-solutions", "date": "Apr 01, 2025" }, { "title": "Flagright makes Notion VC B2B 100 List", "url": "https://twitter.com/FlagrightHQ/status/1630174439466840064", "date": "Jan 01, 2023" }, { "title": "Flagright offers transaction monitoring with usage-based pricing – TechCrunch", "url": "https://techcrunch.com/2022/06/28/flagright-offers-transaction-monitoring-with-usage-based-pricing/", "date": "Jun 28, 2022" } ], "launches": [ { "id": 76102, "title": "Flagright AI Forensics 🛡️ AI-native AML investigations for fintechs & banks", "tagline": "We increase the quality and speed of financial crime investigations through natural language queries & AI agents", "body": "tl;dr: AI Forensics supercharges AML compliance & fraud team performance with a 90% productivity boost by harnessing natural language queries and AI-native analysis. [Watch it](https://www.youtube.com/watch?v=xRBKj2RLUvc&t=1s) in action 👇🏼.\n\nHi everyone, we are Madhu and Baran, from [Flagright](https://flagright.com).\n\n# 🚀 Introducing Flagright AI Forensics: The modern standard in AML compliance\n\nAt Flagright, we've created a powerhouse tool that enhances the speed and quality of financial crime investigations. By blending natural language processing with robust AI agents, we transform how fintechs and banks stay compliant and prevent financial crime.\n\n# 🔍 The Problem\n\nFinancial crime investigations take too long. Fintechs & banks cannot scale volume and grow without hiring a proportional amount of headcount into AML and fraud departments. This is because data is silo’d, teams have to access data on many different tools, and process/manipulate this data to investigate the suspicious activity as they reach a conclusion. As a result, they are always limited by the time it takes to conduct these tasks every single day for every single alert.\n\n# ✨ The Solution\n\nAI Forensics delivers extreme performance through natural language queries and AI-native analysis of suspicious activity. It can learn from a company’s internal policies, procedures, or continuous usage of the platform such as how past investigations were conducted.\n\n![uploaded image](/media/?type=post&id=76102&key=user_uploads/672295/67c58686-2cad-4bf5-83dd-29cef4e17321)\n\nIt is build on top Flagright’s centralized data infrastructure and data processing pipelines with LLMs and algorithms. That’s how it’s able to deliver accurate, cohesive analysis across a wide variety of use cases. Unlike pure LLM solutions, it can accurately make factual analysis, calculations, and display charts & tables instantly.\n\n# 🛠 How It Works\n\n\n\n# 📣 Ask\n\nBe part of our journey in building the next generation anti financial crime infrastructure for fintechs & banks globally:\n\n* Follow us on LinkedIn to stay posted on our latest updates at \n* Get in touch for a live demo and to learn more at ", "url": "https://www.ycombinator.com/launches/JnS-flagright-ai-forensics-ai-native-aml-investigations-for-fintechs-banks", "votes": 11, "created_at": "2023-11-09T09:47:36.523Z" }, { "id": 71272, "title": "Flagright AI: A GPT-powered AI toolkit for AML compliance ops", "tagline": "Supercharge your financial crime prevention & AML compliance with Flagright AI & GPT", "body": "Hi there, this is [Baran](https://www.linkedin.com/in/baranozkan/) and [Madhu](https://www.linkedin.com/in/madhugnadig/) from [Flagright](https://flagright.com/)! 👋🏼\n\nFlagright provides an all-in-one software for financial institutions to manage financial crime risk and meet AML compliance regulations 🕵🏼. Our unified API delivers the essential (and mandatory) capabilities for regulatory compliance such as transaction monitoring, risk scoring, sanctions screening, case management and more, all managed via a no-code, flexible, and intuitive interface by the operational teams.. Flagright offers the fastest integration times globally: 4 days on average across all integrations with fintechs in 6 continents.\n\n![uploaded image](/media/?type=post&id=71272&key=user_uploads/89898/43eea7a5-9a88-4233-b405-f0a70bc36ebe)\n\n> # \n>\n> # **The launch: Flagright AI 🤖**\n>\n> Financial crime ops teams spend a lot of time doing research on customers and investigating suspicious activity on a daily basis. The mundane tasks are the main driver of inefficiency and headcount for financial institutions and fincrime teams 😩. Flagright AI **automates these tasks and even eliminates it entirely** for certain use cases such as merchant monitoring 🔎.\n\nIn addition to our proprietary technology, Flagright AI leverages the GPT API for specific features. **This is the first time the power of GPT is brought to AML compliance teams at scale, globally!** 🚀\n\nHere's an overview of the newest capabilities:\n\n1. **Merchant monitoring and alerting 🔎:** The GPT-powered merchant monitoring and alerting module enables Flagright customers to monitor merchants across multiple sources and channels with zero manual input. It eliminates 100% of manual monitoring efforts and improves fincrime operations while ensuring fast response times and maximum risk-mitigation.\n2. **Salesforce, Zendesk, and Hubspot integrations + GPT summaries ✉️:** The CRM integrations will consolidate your CRM correspondence within the Flagright case management system, with Flagright AI summarizing the highlights of customer correspondence. It eliminates the need to comb through tens of emails and messages for each customer correspondence. As a result, it saves analysts 15% of their time each day, improving operational efficiency and accuracy.\n3. **Case and alert narrative generator ✍️:** Our AI Narrative Writer drastically improves analyst performance, decreasing the time it takes to write a contextual narrative for each suspicious activity by 90+%. Flagright AI captures an analyst’s writing style, sentiment, user information, case closing reason, and specific suspicious activity.\n4. **AML AI risk score ⚠️:** AML Compliance Officers can now leverage AI to risk score their customers as a complementary mechanism to their traditional risk assessment (CRA) approach. The combination of heuristics & AI delivers maximum operational efficiency while maintaining explainability for regulators.\n5. **SAR generator 📇:** Our Suspicious Activity Report generator leverages GPT and can automatically create a SAR for any suspicious activity flagged by our platform's monitoring systems, reducing the time spent by 99%. Flagright AI ensures that SARs are generated consistently and accurately and reduces the risk of errors in manual SAR creation.\n\nFlagright AI represents a significant milestone in our journey to empower financial institutions with best-in-class operational tooling for AML compliance and fraud prevention.\n\nWe are excited to see the impact that Flagright AI will have on our customers and building a safer, more secure financial ecosystem. [Contact us](https://www.flagright.com/contact) to schedule a free demo if you are interested in learning more.\n\n# Launch deal\n\n* 50% discount on Flagright AI suite for the next 5 customers that sign up. First come, first serve! Get a demo now by clicking [here](https://www.flagright.com/contact)!\n* Y Combinator companies have additional discounts apply [here](https://deals.ycombinator.com/deals/1159).", "url": "https://www.ycombinator.com/launches/IXY-flagright-ai-a-gpt-powered-ai-toolkit-for-aml-compliance-ops", "votes": 34, "created_at": "2023-04-30T07:17:27.843Z" }, { "id": 67971, "title": "Flagright Launchpad 🚀: Radically simplify fintech licensing & BaaS onboarding", "tagline": "A faster & cheaper alternative for fintechs to do BaaS onboarding, apply for a license, or create AML compliance policies.", "body": "[Flagright Launchpad](https://www.flagright.com/professional-services) helps starting or scaling fintechs simplify regulatory licensing and BaaS onboarding.\n\n![uploaded image](/media/?type=post&id=67971&key=user_uploads/672295/3bafeb6a-2d0c-437c-b1b6-7df426efba53)\n\nIt’s currently available in the UK 🇬🇧, Canada 🇨🇦, Singapore 🇸🇬, Kenya 🇰🇪, and the EU 🇪🇺, with new jurisdictions launching soon. With Launchpad, you can 👇:\n\n1. **Onboard with BaaS providers** of your choice or connect with our partners like CurrencyCloud, Rapyd, ClearJunction and more. 🏦\n2. Create **customized AML compliance policies** for each jurisdiction & use case. 📜\n3. **Apply for fintech license** in each jurisdiction for specific license types. 💼\n4. Get **advisory services for AML compliance** or fraud-related questions. 🛎\n\n![uploaded image](/media/?type=post&id=67971&key=user_uploads/672295/306bdf29-b01e-43c2-8a22-285d31b3e501)\n\n### **Expert Team** 🦸\n\nLaunchpad is built by fintech operators and led by ex Group MLRO of Revolut with 15+ years of experience in regulatory relationships, AML compliance, and banking.\n\n### **What we don’t do** ⛔\n\nFlagright team does not provide legal advice.\n\n### **How to get in touch** 🤙\n\nSchedule a call & get started at ", "url": "https://www.ycombinator.com/launches/HgJ-flagright-launchpad-radically-simplify-fintech-licensing-baas-onboarding", "votes": 30, "created_at": "2022-12-19T16:06:45.111Z" } ] }, { "id": 25613, "name": "Gauss", "slug": "gauss", "former_names": [ "Placid Money", "Gauss Money" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/47cb34b7397c027f788b4eed1a3ea9abfcb1c1df.png", "website": "https://gauss.money", "all_locations": "New York City, NY, USA", "long_description": "Gauss is building an AI credit agent that automatically lowers the cost of consumers’ debt.\r\n\r\nThe product connects to a user’s credit profile, continuously monitors balances and available offers, and executes refinances or restructurings when it can materially improve terms.\r\n\r\nFor credit card debt, Gauss can track and automatically pay off any expensive balance on connected cards from an instantly originated line of credit, saving users thousands of dollars on interest charges and helping them pay off faster.", "one_liner": "AI agent that helps consumers lower the cost of debt automatically", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1646153163, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/gauss", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/gauss.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/47cb34b7397c027f788b4eed1a3ea9abfcb1c1df.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 370136, "full_name": "Alex Matsenov", "title": "Founder", "founder_bio": "Alex is the co-founder and CEO of Gauss Money. Alex led credit at Nordea Bank and MDM Bank. He's a 3x founder, 2x YC. Alex has an advance degree in machine learning, was a late stage venture investor in the machine learning space, and is a huge fan of fundamental physics and artificial intelligence research.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexmatsenov/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/75cb843aee43b31440986384282b3409aa4b15b2.jpg" }, { "user_id": 593870, "full_name": "Abdullo Akhadov", "title": "Founder", "founder_bio": "Abdullo is the co-founder and COO of Gauss. He has a 17+ years management tenure in credit risk, compliance, operations, and technology with the largest financial institutions in Europe and the Asia Pacific (JPK, ASEAN, ANZ, Greater China).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abdulloakhadov/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4f6b984ac73e173dde368a0b4213e81048f68649.jpg" } ], "jobs": [ { "id": 112580, "title": "Growth Marketing Lead for a consumer fintech", "url": "https://www.ycombinator.com/companies/gauss/jobs/HzUwVAi-growth-marketing-lead-for-a-consumer-fintech", "location": "Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$80K - $180K", "equity_range": "0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 25615, "name": "BharatX", "slug": "bharatx", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fefd038c884eb2ec297216fef362234e54c0d4ee.png", "website": "https://bharatx.tech/", "all_locations": "Bengaluru, KA, India", "long_description": "BharatX was recently acquired by Flipkart, the largest startup in India, to enable Buy Now Pay Later in their own ecosystem as well as bolster their own FinTech play via Super.money. It powers Checkout Financing in their ecosystem currently on Millions of Users.\r\n\r\nBharatX enabled \"Pay in 3\" and \"Pay in X\" parts as a feature on over 1000+ brands, 300+ directly and the rest via Payment Gateway partners. Our product enabled Buy Now Pay Later, in a white-labelled way. For e.g. Flipkart PayLater on Flipkart. We grew 47X to $2.5M ARR in under 6 quarters straight after fumbling for 2 years around PMF and Credit Risk & Fraud. \r\n\r\nWe started out as a platform to provide access to Credit in Developing countries without relying on traditional documentation processes by Banks, which did not give access to hundreds of millions.Over the course of BharatX, we have credit to hundreds of thousands of consumers, including many New to Credit (NTC) users. ", "one_liner": "Enable Buy-Now-Pay-Later in a White-Labelled Manner", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1647453047, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bharatx", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/bharatx.json", "year_founded": 2021, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/bharatx/", "x_url": "https://twitter.com/BharatX_IN", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/bharatx", "github_url": "https://github.com/bharatx-in", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fefd038c884eb2ec297216fef362234e54c0d4ee.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 311936, "full_name": "Mehul Jindal", "title": "Founder/CEO", "founder_bio": "Started BharatX @ 19 enabling 500+ Millions of Indians to access Credit without any Credit Score, Documentation or paying high interests (in majority cases it was Zero APR). \n\nScaled 47X from $50K to $2.5M ARR in under 18 months, with less than 15 people, becoming cashflow +ve, disbursing $100K+ daily. Got Killed by Regulations in an hour, Sold the Tech & Biz to Flipkart - India's largest Startup, powering their Checkout Financing Stack & their Fintech Arm's BNPL biz. \n\nBuilding again. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/mehuljindal18/", "x_url": "https://twitter.com/mehuljindal18", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6e9b16027b28864754381fcd8245ec8e795a484d.jpg" }, { "user_id": 867815, "full_name": "Shyam Murugan", "title": "Founder", "founder_bio": "1. LoL\n2. Anime\n3. Development\n\nThat's how I would describe myself. 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Previously, he co-founded VRED. VRED onboarded sales agents in rural Vietnam to distribute e-commerce and financial products. VRED boasted 500,000+ sales agent, and it distributes $36M GTV monthly. Moreover, Phuoc co-founded Ahamove, one of the leading on-demand delivery platforms in Vietnam. 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Rather than building fintech from scratch, or dealing with a legacy bank, companies can use PayCaddy to open digital wallets with KYC checks, automate online payments, and issue personalized debit and prepaid cards for customers or employees. 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My experience comes from working in electronic payments since 2016, by helping mid and large sized companies handle cross border payments. Currently on a mission to make fintech accesible in Latam for any company looking to embed financial services. 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I have always been in Financial Corporate area, working in JPMorgan as well.\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lucrecia-porta", "x_url": "https://twitter.com/lucreporta", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4694b760a30c9180a57c7bdb336241c70c2b9ce0.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25670, "name": "Eazipay Inc.", "slug": "eazipay-inc", "former_names": [ "Myeazipay Technology Services Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a6d38a5e03130b41b7c1ced5d2b0e7c87a4c691.png", "website": "https://myeazipay.com", "all_locations": "Lagos, LA, Nigeria", "long_description": "Eazipay is Africa’s leading payroll and payment automation platform, making it easy for businesses to pay their teams accurately, on time, and with minimal effort. 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Alphas has 8+ yrs experience in Finance, strategy, and banking. \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alphas-sinja/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/772aeca9a91105d56f48d3ed6020c4e267c9c36c.jpg" }, { "user_id": 866641, "full_name": "Robert Nyangate", "title": "Founder", "founder_bio": "Co-founder and CTO", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/robert-nyangate/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/07f154635fbddc853e9b99e4b375203655384a1f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25693, "name": "Tola", "slug": "tola", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fbc8c1ee7e52671abb62b7c0735dd822b79fde55.png", "website": "https://tolahq.com", "all_locations": "San Francisco, CA, USA; New York, NY, USA; Remote", "long_description": "Tola is the simple tool for SMBs to pay bills and get paid. On top of that, we help companies better manage their cashflow by allowing them to buy now and pay later expensive bills in exchange for a small fee.", "one_liner": "The simple, fast and free tool for businesses to pay and get paid", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1677791099, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tola", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/tola.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tolahq", "x_url": "https://twitter.com/tolahq", "fb_url": null, "cb_url": null, "github_url": "https://github.com/tolahq", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fbc8c1ee7e52671abb62b7c0735dd822b79fde55.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 892299, "full_name": "Alen Cvisic", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alencvisic/", "x_url": "https://twitter.com/alencvisic", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1e78cfa99d0b00112b37df5c28baa99d29dbaccd.jpg" }, { "user_id": 881935, "full_name": "Guillaume Simard", "title": "Founder", "founder_bio": "Hey 👋 I'm Guillaume. I'm a nerd who's been building SaaS and Fintech for my entire career.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/guisim/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5a804362048ff59f61e844bb33ef67435b19efb6.jpg" } ], "jobs": [], "news": [ { "title": "Sequoia leads seed round in Tola, SMB cashflow management startup", "url": "https://www.axios.com/pro/fintech-deals/2024/10/31/sequoia-smb-cashflow-management-tola", "date": "Oct 31, 2024" } ], "launches": [] }, { "id": 25694, "name": "PayCrunch", "slug": "paycrunch", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/875f70726bf714e04e2c65653e8ccf92d8beb470.png", "website": "https://paycrunch.in", "all_locations": "Bengaluru, KA, India", "long_description": "More than 150 million people in India are not able to access formal Credits in India either because of lack of financial data or low credit scores. We use Alternative Credit scoring models to provide a Pay Later option on UPI to a wider audience. 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This was the case when the phone, the internet and apps were invented granting access for more people.\r\n\r\nFor 100m Europeans living in countries without the Euro however, there has been no innovation for the past 30 years. High commissions, clunky interface, high minimum amounts and a brand that speaks to the few.\r\n\r\nWe are on a mission to drive financial inclusion by bridging the innovation gap for the overlooked regions of the EU. 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Don't touch board recruiting, it's toxic! ☠️ ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joakim-bruchmann-87b6b653/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c2db821ae53154378fbfd52c2a258c743ba4daac.jpg" }, { "user_id": 867364, "full_name": "Oscar Vingtoft", "title": "Founder", "founder_bio": "Software engineer & previously CTO at nBoard (largest board recruiting platform in Denmark) after spending years building data collection software for big pharma.\n\nEntrepreneur and technologist by heart, eager to develop and learn new things.\n\nI wanted to trade stocks and cryptos alongside my friends, but a platform did not exist, so now I'm building it myself 😂🚀\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oscar-vingtoft-17680160/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/80435b3b8df79168f70a0cab290afcaa6ca42d50.jpg" } ], "jobs": [], "news": [ { "title": "Pluto Markets: Y Combinator-Backed Fintech Startup Raises $2.6 Million", "url": "https://www.businessinsider.com/pluto-markets-y-combinator-backed-startup-raises-2-6-million-2024-2", "date": "Feb 07, 2024" } ], "launches": [] }, { "id": 25711, "name": "Elphinstone, Inc.", "slug": "elphinstone-inc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c11e382bc061b3d293fc3a3374fb5e8104bfe299.png", "website": "https://elphinstone.us/", "all_locations": "Sindh, Pakistan", "long_description": "The median 401k plan costs 25 times the fees you pay on a regular brokerage account. We are building the next generation of retirement savings platform to help fix that price gap.", "one_liner": "AI-enabled investment advisory and custodial services", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1642763635, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Pakistan", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/elphinstone-inc", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/elphinstone-inc.json", "year_founded": 2020, "city": null, "country": "PK", "linkedin_url": "https://www.linkedin.com/company/elphinstonecap/about/", "x_url": "https://twitter.com/ElphinstoneCap", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/elphinstone", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c11e382bc061b3d293fc3a3374fb5e8104bfe299.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 421923, "full_name": "Farooq Tirmizi", "title": "Founder", "founder_bio": "First time founder of a startup; worked for 12 years in financial services and financial journalism in both Pakistan and the United States before jumping ship to start this company. I hope to build a company that long outlives me.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/farooqtirmizi/", "x_url": "https://twitter.com/FarooqTirmizi", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/112ef408a78942b7dc2fd199bfd15aaa37f20e91.jpg" }, { "user_id": 520551, "full_name": "Uzair Mahmud", "title": "Founder", "founder_bio": "Tinkerer", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/uzair-mahmud/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aa303dcd3a028e264411a8719c35cfa0af81306f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25713, "name": "Grey", "slug": "grey", "former_names": [ "Aboki Africa", "Grey", "Grey (formerly Aboki Africa)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b891c4bf87168fc420c4d1e54bdef2c47bc728f7.png", "website": "https://grey.co", "all_locations": "San Francisco, CA, USA; LA, Nigeria; Remote", "long_description": "Grey provides US, EU, and UK accounts for remote workers in emerging markets. For the first time, western companies feel comfortable recruiting skilled workers from anywhere and Grey is making it easy for these workers to receive their salary, save in foreign currency, convert to local currency and spend.\r\n\r\n\r\n", "one_liner": "Banking services for remote workers and digital nomads", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644319662, "tags": [ "Fintech", "Consumer", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "Nigeria", "America / Canada", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/grey", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/grey.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/greyfinance", "x_url": "https://twitter.com/greyfinance", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b891c4bf87168fc420c4d1e54bdef2c47bc728f7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 556140, "full_name": "Idorenyin Obong", "title": "Founder", "founder_bio": "CEO at Grey. Ex Paystack", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kingidee/", "x_url": "https://www.twitter.com/kingidee", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dddac2c54af505551ba3d8e813c9d14fa719ccbb.jpg" } ], "jobs": [], "news": [ { "title": "Nigeria’s Grey is helping users exchange local currency and access foreign currencies - Disrupt Africa", "url": "https://disrupt-africa.com/2023/06/02/nigerias-grey-is-helping-users-exchange-local-currency-and-access-foreign-currencies/", "date": "Jun 01, 2023" }, { "title": "Nigerian fintech startup Grey picks Kenya as its East African hub - Disrupt Africa", "url": "https://disrupt-africa.com/2023/05/18/nigerian-fintech-startup-grey-picks-kenya-as-its-east-african-hub/", "date": "May 17, 2023" }, { "title": "Grey, a FinTech company based in Africa, has successfully completed a $2 million seed round. - Tech In Africa", "url": "https://www.techinafrica.com/grey-a-fintech-company-based-in-africa-has-successfully-completed-a-2-million-seed-round/", "date": "Sep 01, 2022" }, { "title": "Nigeria’s Grey raises $2M for cross-border payments play and regional expansion – TechCrunch", "url": "https://techcrunch.com/2022/08/29/nigerias-grey-raises-2m-for-cross-border-payments-play-and-regional-expansion/", "date": "Aug 29, 2022" }, { "title": "Nigerian fintech Grey gets backing from Y Combinator – TechCrunch", "url": "https://techcrunch.com/2022/02/08/nigerian-fintech-grey-finance-gets-backing-from-y-combinator/", "date": "Feb 08, 2022" } ], "launches": [ { "id": 82277, "title": "Grey - US banking services for remote workers, freelancers, nomads, and creators in emerging markets", "tagline": "Now available in LatAm and SEA 🚀", "body": "![uploaded image](/media/?type=post&id=82277&key=user_uploads/556140/a5ad7448-63b6-42a8-934d-3a149c352ec1)\n\nWhen we started Grey in 2020, we just wanted to make it easy for people like us to receive payments for work without any stress. Over the last four years, we’ve enabled global banking access to digital nomads across the US, UK, Europe, Kenya, Tanzania, Uganda, and Nigeria.\n\nToday, I’m excited to announce that Grey is now available to remote workers, digital nomads, and creatives in **Brazil** 🇧🇷, **Ghana** 🇬🇭, **Indonesia** 🇮🇩, **Mexico** 🇲🇽, the **Philippines** 🇵🇭, and **South Africa** 🇿🇦! Get started at [grey.co](http://grey.co).\n\nIn the next few weeks, we’ll roll out to more Latin America (LATAM) and Southeast Asia (SEA) countries. If you’re a digital nomad, freelancer, or remote worker in these countries, you can enjoy the following:\n\n* Get a free USD, EUR, or GBP account to receive your salary and payments.\n* Convert to other currencies (MXN, BRL, PHP, IDR, ZAR, NGN, KES, TZS, GHS, etc) and send to your local bank account or mobile money wallet.\n* Get a virtual card to spend.\n* Send Stablecoins (USDC) to your external wallet addresses.\n\nWe’re on a mission to make globalisation work for everyone by providing inclusive banking solutions regardless of location, and this expansion takes us six steps closer today.\n\nIf you know any communities we should speak to or any person in these markets we should connect to, please let us know at [founders@grey.co](mailto:founders@grey.co).\n\nCheers", "url": "https://www.ycombinator.com/launches/LP3-grey-us-banking-services-for-remote-workers-freelancers-nomads-and-creators-in-emerging-markets", "votes": 14, "created_at": "2024-07-19T15:51:00.641Z" } ] }, { "id": 25715, "name": "SubscriptionFlow", "slug": "subscriptionflow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6ea5429baf87f6ffc90d9204f3b44880844aead6.png", "website": "http://www.subscriptionflow.com", "all_locations": "London, England, United Kingdom; San Francisco, CA, USA", "long_description": "SubscriptionFlow is an AI-based customizable revenue management platform that helps SMBs optimize subscription revenue. It monitors user activity to identify customers at risk of churning and automatically alerts the sales team.\r\n\r\nFor example, eLearning/SaaS/Membership businesses require to monitor subscription usage to improve customer retention. Ecommerce/Magazine companies need to see the subscription trends to cross-sell and upsell products/services.\r\n", "one_liner": "AI based Customizable Subscription & Revenue Management Platform", "team_size": 9, "industry": "B2B", "subindustry": "B2B -> Sales", "launched_at": 1643142434, "tags": [ "AIOps", "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B", "Sales" ], "regions": [ "United Kingdom", "United States of America", "Europe", "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/subscriptionflow", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/subscriptionflow.json", "year_founded": 2021, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/subscription-flow/", "x_url": "https://twitter.com/SubscriptionFL", "fb_url": "https://www.facebook.com/SubscriptionFlow", "cb_url": "https://www.crunchbase.com/organization/subscriptionflow", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6ea5429baf87f6ffc90d9204f3b44880844aead6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 731645, "full_name": "Kashif Saleem", "title": "Founder", "founder_bio": "Kashif Saleem has over 12 years of experience in helping SMBs with SaaS apps. Certified in Technology Entrepreneurship from London Business School (LBS).\nHe worked as a Cloud computing Research Fellow at the University of Oxford. He also worked at JP Morgan Chase as a High-Frequency programmer in London Equity Trading.\n\n\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kashifsaleem786/", "x_url": "https://twitter.com/KashifSaleemCEO", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/977331e8881b194baa18ebef284945971657d9c2.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25717, "name": "Glep", "slug": "glep", "former_names": [ "Lenco" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/43385de74ef544ad440b821a7f4f5e3436bdc1a2.png", "website": "https://glep.com", "all_locations": "San Francisco, CA, USA", "long_description": "Glep is America's AI-native financial operating system built for real estate businesses.\r\nOur AI-native platform combines virtual and physical cards, banking, bill pay, expense management, and accounting automation into a single operating system designed specifically for how real estate businesses operate.\r\n\r\nGlep puts more time in the hands of operators to grow their portfolio.", "one_liner": "AI-Native Spend platform built for Real Estate businesses", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1646228155, "tags": [ "Fintech", "Enterprise Software", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/glep", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/glep.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/GlepHQ", "x_url": "https://twitter.com/GlepHQ", "fb_url": "https://facebook.com/GlepFi", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/43385de74ef544ad440b821a7f4f5e3436bdc1a2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 603467, "full_name": "Andrew Airelobhegbe", "title": "Founder", "founder_bio": "CEO & Co-founder of Glep - America's AI-native spend platform for real estate businesses.\nCEO & Co-founder of Lenco - pan-African digital bank for businesses", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrew-airelobhegbe/", "x_url": "https://twitter.com/andrewairelob", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/374493bfe81624cd9421cd1cfa73d6f97360dc5c.jpg" }, { "user_id": 604663, "full_name": "Impact Airelobhegbe", "title": "Founder", "founder_bio": "Co-founder and COO at Lenco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/impact-airelobhegbe-49187955", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5b974e317a7f8e87b18a21553a1dd2b7b3d4e735.jpg" }, { "user_id": 604306, "full_name": "Godstime Asine", "title": "Founder", "founder_bio": "Co-founder and Lead,Engineering at Lenco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/godstime-asine-b089267b", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6178756ec1eaa14f9f2216832c8e814a345c2516.jpg" }, { "user_id": 248953, "full_name": "Praise Osagie", "title": "Founder", "founder_bio": "Chief Technology Officer at Lenco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/praise-osagie-1b607811a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/20856b0210c5f9b4051ffa20950a7fe78f1ed08c.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25721, "name": "Tendo", "slug": "tendo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b82dfe518f1d7e3fc76d3783bf673d3db4ffa36f.png", "website": "https://tendo.app/", "all_locations": "Accra, Greater Accra Region, Ghana", "long_description": "Tendo enables anyone in Africa to sell online with zero upfront inventory - our mobile app connects dropshippers to local wholesalers. The sellers on the platform are able to source products through Tendo and resell items using social commerce tools, such as WhatsApp, arrange delivery, and get paid, all through the Tendo mobile app.\r\n\r\nAt the moment, people who want to sell online need to save money, visit hundreds of suppliers to find a trusted one, and risk losing their capital by stocking up inventory. Beyond this, they need to incur costs for logistics and warehousing. We eliminate all that.\r\n", "one_liner": "Enabling Africans to sell online with zero capital", "team_size": 15, "industry": "Consumer", "subindustry": "Consumer -> Social", "launched_at": 1642657370, "tags": [ "Fintech", "Marketplace", "Logistics", "Social", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Consumer", "Social" ], "regions": [ "Ghana", "Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tendo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/tendo.json", "year_founded": 2021, "city": "Accra", "country": "GH", "linkedin_url": "https://www.linkedin.com/company/tendo-tech-hq", "x_url": "https://twitter.com/tendohq", "fb_url": "http://facebook.com/tendohq", "cb_url": "https://www.crunchbase.com/organization/tendo-5aa6", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b82dfe518f1d7e3fc76d3783bf673d3db4ffa36f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 503075, "full_name": "Felix Manford", "title": "Founder", "founder_bio": "Co-Founder and CEO of Teno", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/felix-manford-86bbb211b/", "x_url": "https://twitter.com/felixmanford", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/321a9e52acbdf436a426ce92541a0f29b3b2ac78.jpg" }, { "user_id": 567210, "full_name": "Evans Darbo Boateng", "title": "Founder", "founder_bio": "Co-Founder at Tendo | Software Engineer | 6+ years | Building Global Startups ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/evans-darbo-boateng", "x_url": "https://twitter.com/quajoduke", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/592e8d94a8fb70bda846bbd505a596f58f09ba2a.jpg" }, { "user_id": 809897, "full_name": "Primerose Katena", "title": "Founder", "founder_bio": "Co-Founder at Tendo", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/primkatena", "x_url": "https://twitter.com/allthingsprimmy", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6b584f10ff4ec72bdca41050914176a86324b294.jpg" }, { "user_id": 567336, "full_name": "Derrick Mungai", "title": "Founder", "founder_bio": "Software engineer from Kenya ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/derrickmungai/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8f02c7ed5c8fe85ddfe0541ca95cf78a5b7ea442.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25722, "name": "Fuell", "slug": "fuell", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c3b9795e229abf871658c50860feea60e62240de.png", "website": "https://getfuell.com/", "all_locations": "Madrid, Community of Madrid, Spain", "long_description": "Fuell is a leading Expense Management solution that modernizes finance for SMEs by merging software and intelligent corporate cards into a single, unified platform.", "one_liner": "Fuell is a leading Expense Management solution that modernizes…", "team_size": 23, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1646674716, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Spain", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fuell", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/fuell.json", "year_founded": 2019, "city": "Madrid", "country": "ES", "linkedin_url": "https://www.linkedin.com/company/fuell-corporate-cards", "x_url": "https://twitter.com/GetFuell", "fb_url": "https://www.facebook.com/getFuell/", "cb_url": "https://www.crunchbase.com/organization/fuell-corporate-cards", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c3b9795e229abf871658c50860feea60e62240de.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 833527, "full_name": "Eduardo Ortiz de Lanzagorta Gonzalez", "title": "Founder", "founder_bio": "Eduardo started his first VC-backed fintech while finishing his engineering degree. After that, he co-founded what became the most active seed fund in Spain, backing over 40 companies. Throughout these years, he suffered the pain of managing and controlling company expenses and decided to build Fuell: the corporate card with expense management software built-in he wanted for himself.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eddelan/", "x_url": "https://twitter.com/ed_delan?lang=en", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6450095ae6772b2faaa47259d5e3c458b02ec3e3.jpg" } ], "jobs": [], "news": [ { "title": "Barcelona-based unicorn Factorial acquires expense management startup Fuell to further empower employees | EU-Startups", "url": "https://www.eu-startups.com/2023/10/barcelona-based-unicorn-factorial-acquires-expense-management-startup-fuell-to-further-empower-employees/", "date": "Oct 03, 2023" }, { "title": "Factorial acquires YC-backed Fuell", "url": "https://www.getfuell.com/factorial-acquires-yc-backed-fuell", "date": "Oct 03, 2023" } ], "launches": [] }, { "id": 25745, "name": "goodfin", "slug": "goodfin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b052c26e0beb63cd2a5aef297f7855da685f8dc.png", "website": "http://www.goodfin.com", "all_locations": "Los Angeles, CA, USA", "long_description": "GoodFin is reimagining private wealth in the era of AI. Our mission is to empower a new generation to build wealth, starting with their investments in alternative assets. \r\n\r\nOur AI-native platform combines a design-forward experience with a backend powered by a system of intelligent agents. We are building a future where AI unlocks financial hyperpersonalization, automation and optimization for sophisticated financial products, which are typically gated by advisors and reserved for very wealthy clients. This highly fragmented $1.25T global services market will undergo a sea change in the coming years, as trillions pass in the largest intergenerational wealth transfer to date. \r\n\r\nIn a world where most financial decisions will become automated, we believe the next category-defining wealth company will still be human-driven at its core – powered by a high-value community like our membership base of professionals, founders and investors. The next generation financial giant will be an AI-native platform that makes wealth creation seamless, personalized, and social. That’s what we’re building.", "one_liner": "Building the next generation of wealth", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1647606742, "tags": [ "Fintech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/goodfin", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/goodfin.json", "year_founded": 2022, "city": "Los Angeles", "country": "US", "linkedin_url": "https://www.linkedin.com/company/74735848", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b052c26e0beb63cd2a5aef297f7855da685f8dc.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 740131, "full_name": "Anna Joo Fee", "title": "Founder", "founder_bio": "Anna is a second-time fintech founder and former regulatory lawyer. She is a graduate of Harvard College and Harvard Law School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/annajfee/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0e922099c465d4c872e75dafdf1df5c825469769.jpg" } ], "jobs": [ { "id": 89492, "title": "Staff AI Engineer", "url": "https://www.ycombinator.com/companies/goodfin/jobs/TWZ9MRF-staff-ai-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $300K", "equity_range": "0.50% - 2.00%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 89580, "title": "AI Engineer", "url": "https://www.ycombinator.com/companies/goodfin/jobs/2nt2lZN-ai-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$130K - $180K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Machine Learning" ] }, { "id": 89581, "title": "Wealth & Investment Advisor — AI Product Consultant", "url": "https://www.ycombinator.com/companies/goodfin/jobs/ElnnH2M-wealth-investment-advisor-ai-product-consultant", "location": "San Francisco, CA, US / Remote (US)", "type": "Contract", "role": "Finance", "role_type": null, "salary_range": "$40 - $200 / hourly", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 25755, "name": "Rank (formerly Moni)", "slug": "rank", "former_names": [ "Moni" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb7786dd0873ea683f6bdeda6d33a97b622b348d.png", "website": "https://www.userank.com/", "all_locations": "Lagos, LA, Nigeria; Remote", "long_description": "Moni finances small businesses in groups across Africa. The collective responsibility of the group serves as a collateral on the loan while the social pressure from the members ensures on-time repayment. There are over 44million SMBs in Africa. \r\n
\r\nWe launched 7 months ago and we already have $72k MRR growing at 50% MoM. We achieved 99% repayment on 11,000 units of loans with over $5M disbursed. This is 15 times higher than most financial services in Africa.\r\n
\r\nFemi (CEO) worked previously with the World Bank with a focus on financial services while Dapo (CTO) led the development of the technology for one of the largest digital lending apps\r\n\r\nWe are also backed by Y Combinator(W22), Magic Fund, Ventures Platform, Voltron Capital and more.\r\n", "one_liner": "Group Financing for small businesses across Africa.", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1642152318, "tags": [ "Banking as a Service", "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Nigeria", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/rank", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/rank.json", "year_founded": 2021, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/mwlite/company/moni-africa", "x_url": "https://twitter.com/mymoniapp", "fb_url": "https://www.facebook.com/MyMoniApp", "cb_url": "https://www.crunchbase.com/organization/moni-africa", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb7786dd0873ea683f6bdeda6d33a97b622b348d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 215913, "full_name": "Femi Iromini", "title": "Founder", "founder_bio": "Cofounder & CEO at Moni. Previously worked with The World Bank Group. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/femiiromini/", "x_url": "https://twitter.com/femi_iromini", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4d336f57bc4e24c337e0bfa50c16658b67b04e3f.jpg" }, { "user_id": 832820, "full_name": "Adedapo Sobayo", "title": "Founder", "founder_bio": "Co-founder Moni Africa. Passion for Digital Product, Technology, Block Chain and Financial Inclusion", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adesobayo", "x_url": "https://twitter.com/adesobayo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b537c1e304c9656722313207b058b50183fca2fd.jpg" } ], "jobs": [], "news": [ { "title": "Moni's community-based model redefines access to loans for small businesses in Nigeria", "url": "https://www.trendwatching.com/innovation-of-the-day/moni-community-powered-loans-for-nigerian-small-businesses", "date": "Apr 14, 2023" }, { "title": "How Moni Africa leverages social trust to finance mobile money agents", "url": "https://techcabal.com/2022/01/19/moni-africa-funds-mobile-money-agents/", "date": "Jan 19, 2022" } ], "launches": [] }, { "id": 25758, "name": "Nash", "slug": "nash-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b78f8543daddcbab960f2418bf3909cc4b5b026.png", "website": "https://getnashglobal.com/", "all_locations": "San Francisco, CA, USA; Nairobi, Nairobi County, Kenya", "long_description": "Nash enables finance teams to manage all their finance flows in one place and craft their money flow experiences globally. Our ledger-based operating system allows your borderless business to connect all your money accounts, accounting systems, payment service providers, treasury operations, spend management in one place. \r\n\r\nOur mission is to enable borderless commerce in Africa. We achieve this initially by providing your team with all the finance tools needed to build, scale, and grow your borderless business without the need for a costly and complex in-house infrastructure. ", "one_liner": "All in one finance platform for borderless businesses in Africa", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1648233823, "tags": [ "Banking as a Service", "FinOps", "Fintech", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "Kenya", "America / Canada", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/nash-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/nash-2.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/nashglobal", "x_url": "https://twitter.com/getnashglobal", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5b78f8543daddcbab960f2418bf3909cc4b5b026.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 262257, "full_name": "Anthony Wagacha", "title": "Founder", "founder_bio": "Anthony is a Stanford MBA & trained Quant Actuary who has designed and rolled out multiple financial products for financial institutions in Africa. He is an ex-investment banker @Bank of America Merrill Lynch, New York; ex- Financial Services Consultant @KPMG East Africa. 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In addition to online payments, we allow restaurants to market to their customers, order food from their suppliers, and receive short term loans. Through one single platform, restaurateurs can easily manage their business and focus on their passion, we let the chef be chef.", "one_liner": "Toast for Southeast Asia", "team_size": 70, "industry": "B2B", "subindustry": "B2B", "launched_at": 1646206384, "tags": [ "Fintech", "SaaS", "B2B", "Supply Chain" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B" ], "regions": [ "Hong Kong", "East 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/dimorder", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/dimorder.json", "year_founded": 2019, "city": "Hong Kong", "country": "HK", "linkedin_url": "https://www.linkedin.com/company/dimorder/", "x_url": "", "fb_url": "https://facebook.com/dimorder", "cb_url": "https://www.crunchbase.com/organization/infinity-technology-corporation-limited", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a0a68dcf9898cd2ec07ae77181dd232dfe03396f.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": 911656, "full_name": "Tim Lee", "title": "Founder", "founder_bio": "Co-founder of DimOrder. Oversees sales, strategy and direction at DimOrder. Previous life in running a cafe and a Japanese restaurant, after years in the financial field doing wealth management. Graduated from University of Warwick, studying economics. \n\nA food lover, tennis player and F1 fan.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tim-lee-a8676896/", "x_url": "https://twitter.com/timleect", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c1287a74903b1d816b0d484c5313b5c93e7f70ac.jpg" }, { "user_id": 854514, "full_name": "Ben Wong", "title": "Founder", "founder_bio": "Founder of DimOrder. Oversees operation and direction of DimOrder. Ben has been in F&B industry for over 5 years, ran a 20-staff 3000sq. ft. Japanese restaurant and bubble tea shops.\nBen has expertise in the financial ecosystem, especially in payment clearing, loan model, and cash management.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dobenwong/", "x_url": "https://twitter.com/DimOrderBen", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/247befd0218c75847f1b3fdc23d1940edc6f2f30.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25789, "name": "SaveIN", "slug": "savein", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7ef8a1947c6f42babb59ca87d2eb2329eb2201cc.png", "website": "https://www.savein.money/", "all_locations": "Delhi, DL, India", "long_description": "SaveIN connects people with quality healthcare practices near them and enables them to split their entire medical and wellness bills into monthly instalments. \r\n\r\nOver 80% of healthcare expense in India is borne out of pocket since less than 10% of Indians have private health insurance. On top of this medical inflation is 15% per annum, thereby making paying for private care expensive and frictional.\r\n\r\n5000+ healthcare practices in India now use SaveIN to be discovered by millions of high intent customers near them and offer instant, monthly payment plans for all healthcare services, thereby making it a win-win proposition for all.\r\n\r\n\r\n", "one_liner": "Making private healthcare in India accessible and affordable", "team_size": 60, "industry": "Healthcare", "subindustry": "Healthcare -> Consumer Health and Wellness", "launched_at": 1640504840, "tags": [ "Fintech", "Marketplace", "Healthcare" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Healthcare", "Consumer Health and Wellness" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/savein", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/savein.json", "year_founded": 2022, "city": "Delhi", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/saveinmoney", "x_url": "https://twitter.com/SaveINMoney/", "fb_url": "https://www.facebook.com/SaveINMoney/", "cb_url": "https://www.crunchbase.com/organization/savein", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7ef8a1947c6f42babb59ca87d2eb2329eb2201cc.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": 843655, "full_name": "Jitin Bhasin", "title": "Founder", "founder_bio": "Jitin is a 2X fintech founder and has over 14 years of experience across Banking, Fintech, Insurance and Consulting in India. His previous startup Rupeeredee, a fintech lending company delivered millions in revenue along with profitability. He also held leadership positions at Bankbazaar and Indusind Bank. \nAn electronics engineer by qualification and MBA from Indian Institute of Foreign Trade, he was also adjudged as The Economic Times Young Leader across India \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jitinbhasin/", "x_url": "https://twitter.com/jbhasin25", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/04fa379b9e0ff21fa4a6f19cd4b6837296888e8f.jpg" }, { "user_id": 856988, "full_name": "Gaurav Luthra", "title": "Founder", "founder_bio": "Serial entrepreneur with a decade long experience across consumer-focused domains - lifestyle, F&B, real estate. Experience in creating customer centric propositions.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gauravluthraa/", "x_url": "https://twitter.com/GauravHLuthra", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c6315a018dcaeb5c07448f733679019942127084.jpg" } ], "jobs": [], "news": [ { "title": "SaveIN: Healthtech startup SaveIN to focus on partnerships, eyes five-fold growth - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/startups/healthtech-startup-savein-to-focus-on-partnerships-eyes-five-fold-growth/articleshow/98775043.cms?", "date": "Mar 19, 2023" }, { "title": "Healthcare fintech SaveIN to scale its partnership base 5X | HT Mint, India", "url": "https://www.livemint.com/companies/start-ups/healthcare-fintech-savein-to-scale-its-partnership-matrix-to-15k-11679131631803.html", "date": "Mar 18, 2023" }, { "title": "Fintech Startup SaveIN Raises Seed Funding In a Round Led By Pioneer Fund", "url": "https://www.entrepreneur.com/en-in/news-and-trends/fintech-startup-savein-raises-funds-in-its-funding-round/441786", "date": "Dec 26, 2022" }, { "title": " Toothsi: SaveIN and toothsi join hands to make smile and skin makeovers affordable, Health News, ET HealthWorld", "url": "https://health.economictimes.indiatimes.com/amp/news/industry/savein-and-toothsi-join-hands-to-make-smile-and-skin-makeovers-affordable/95262819", "date": "Dec 14, 2022" }, { "title": " orthosquare: SaveIN partners with Orthosquare to make dentistry affordable and accessible, Health News, ET HealthWorld", "url": "https://health.economictimes.indiatimes.com/news/industry/savein-partners-with-orthosquare-to-make-dentistry-affordable-and-accessible/93806892", "date": "Sep 08, 2022" } ], "launches": [] }, { "id": 25820, "name": "Fello", "slug": "fello", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5217735d0eee015e36414930d3f8d9c1c25f207e.png", "website": "https://fello.in", "all_locations": "Bengaluru, KA, India", "long_description": "Fello is a game-based savings and investment application for the gen-z and young millennials of India to save play and earn returns more than a traditional savings bank account. We are merging the worlds of gaming and finance to make finance fun, easy and rewarding!\r\n\r\nUsers can save and invest in financial assets and for every rupee they save they get one gaming token using which they can play daily and weekly games and if they win in these games they get to win Rs.1 lakh every week!\r\n\r\nJust within a short span of 12 weeks of launch, we onboarded 250,000 users with 92% of them being referred users, 88% of them being first-time investors who are spending over 12 minutes on an average per day on the app saving and playing games together!", "one_liner": "Grow money and win $1000 every week by saving and playing games", "team_size": 24, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644430130, "tags": [ "Fintech", "Consumer", "Gaming" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fello", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/fello.json", "year_founded": 2021, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://in.linkedin.com/company/fellofinance", "x_url": "https://twitter.com/TheFelloApp", "fb_url": "https://www.facebook.com/fellofinance/", "cb_url": "https://www.crunchbase.com/organization/fello-3331", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5217735d0eee015e36414930d3f8d9c1c25f207e.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": 696055, "full_name": "Manish Maryada", "title": "Founder", "founder_bio": "I am Manish, Founder & CEO of Fello where we are building India's first gaming and finance application. I come with experience of working in traditional finance and early-stage fintech startups and scaling them. My skillset in Product Management, Growth, Operations, and Strategy are some of the key strengths developed out of working in a corporate and startup environment. All of this is complemented by a Master’s Degree focused in Finance from Texas A&M University - Mays Business School.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/manish-maryada/", "x_url": "https://twitter.com/maryadamanishi", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/612ecc536d15a1d059d74c18e06862cfbce59835.jpg" }, { "user_id": 517544, "full_name": "Shourya Lala", "title": "Founder/CTO", "founder_bio": "Shourya Lala is the Founder and CTO of Third Chair. He previously founded game-based investments startup Fello (YC W22), scaling it to 2mn users and tens of millions in investments. ex-ODF, ex-BlackRock, 2x YC", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/shouryalala/", "x_url": "https://twitter.com/atShourya", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fd06dec4b566846e43ecc54c2a938e8e4bdd8542.jpg" } ], "jobs": [], "news": [ { "title": "Gamified Fintech Startup Fello Secures Funding To Help Youth Learn Savings", "url": "https://inc42.com/buzz/gamified-fintech-startup-fello-secures-funding-to-help-youth-learn-savings/", "date": "Jan 04, 2023" }, { "title": "Here’s How Fello Is Making Saving & Investment Fun", "url": "https://inc42.com/startups/heres-how-y-combinator-backed-fello-is-making-saving-investment-fun/", "date": "Jun 21, 2022" }, { "title": "India's First Game-Based Investment Start-Up Fello Raises 1 Million USD In Seed ", "url": "https://www.startupcityindia.com/business-express?for=N&Value=n7xP594MZN59MH48NwebVwgMkU25XLk1Xwiw%2b%2fey22qGUghle5Rbd6paJQI%3d", "date": "Jan 05, 2022" }, { "title": "Game-based investment startup Fello raises $1 mn in Seed funding | VCCircle", "url": "https://www.vccircle.com/game-based-investment-startup-fello-raises-1-mn-in-seed-funding", "date": "Jan 05, 2022" }, { "title": "Fello gets $1 mn in seed round led by Entrepreneur First", "url": "https://www.cnbctv18.com/startup/funding-rundownbessemers-220-mn-india-dedicated-fund-adda247-raises-20-mn-in-series-b-funding-round-eduncle-secures-750k-from-mumbai-angels-network-11650892.htm", "date": "Nov 30, 2021" } ], "launches": [] }, { "id": 25823, "name": "Joe", "slug": "joe", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9ce58f7b5b9b75008b98693547e6bf5c8ece59c5.png", "website": "http://www.joe-app.com/en", "all_locations": "Paris, Île-de-France, France", "long_description": "Joe is building a innovative and flexible DtoC Buy Now Pay Later App in Europe powered by Tech📲.\r\nIn Europe, only 15% of e-commerce have integrated BNPL solutions and consumers don’t have access to installments very easily. \r\n\r\nWithin Joe app and our virtual card you can buy now pay later on any store without any technical integration. And if you already made your purchase, you can be refunded and get 3 installments\r\n", "one_liner": "We let customers \"Buy Now Pay Later\" on any store in Europe. 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", "one_liner": "Payments & analytics for apps in the OpenAI GPT Store", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1644389361, "tags": [ "Fintech", "Generative AI", "Payments", "Analytics", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Australia", "Oceania", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/top-road", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/top-road.json", "year_founded": 2024, "city": "Sydney", "country": "AU", "linkedin_url": "https://linkedin.com/company/top-road-gpt-tools", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/50c64eee4fb328983954a1afb2acfcbb3e366dc6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 663707, "full_name": "Jeevika Makani", "title": "Founder", "founder_bio": "Jeevika is the co-founder & CEO of Top Road. Prior to being a founder, she worked at various early stage tech startups including Fat Llama (P2P rental marketplace, YC S17) and Lendable (emerging markets fintech). Jeevika studied economics at the University of Melbourne, and has an INSEAD MBA. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jeevikamakani/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9170bf2a8f79b26c56e16f4a8417fd29aa209690.jpg" }, { "user_id": 599002, "full_name": "Celilsemi Sam Erkiner", "title": "Founder", "founder_bio": "I'm a software engineer, full stack but heavy on the front. I love cross-platform solutions, so JS is my fav. Usually Node on the backend, Angular on the frontend. I've worked on 50+ web/mobile/smartwatch apps. I have some open source contributions, mostly on Ionic. If you need help designing a web/hybrid application architecture, ping me! If I'm being slow to respond, I'm busy trying to exploring AI to automate things. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cerkiner", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/09119b07477f5f5f062ff56cd7404973dae45c90.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25876, "name": "Numida", "slug": "numida", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1949250110cbb69424a4932710f3027d1163c017.png", "website": "https://numida.com", "all_locations": "Kampala, Central Region, Uganda", "long_description": "Numida provides working capital loans to African micro businesses. Instead of borrowing from informal lenders or family, micro business owners download the Numida app, apply in minutes, and receive capital within a day. We have figured out how to score and disburse unsecured loans to cash-based businesses that have no digital transaction history, while maintaining excellent collection rates. Since 2021 we have provided $23M in working capital to 32,000 businesses in East Africa. \r\n", "one_liner": "Working capital for African micro businesses", "team_size": 115, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1642704125, "tags": [ "Fintech", "Microinsurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Uganda", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/numida", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/numida.json", "year_founded": 2016, "city": "Kampala", "country": "UG", "linkedin_url": "https://www.linkedin.com/company/numida-technologies", "x_url": "https://twitter.com/numidatech", "fb_url": "https://www.facebook.com/numidatech", "cb_url": "https://www.crunchbase.com/organization/numida-technologies", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1949250110cbb69424a4932710f3027d1163c017.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 160749, "full_name": "Mina Shahid", "title": "Founder", "founder_bio": "Co-Founder and CEO of Numida. I'm a two time founder and along with Numida's CTO I previously worked on another lending company in Ghana that failed. I'm Egyptian and Canadian and have lived and worked in Uganda, Ghana, Zambia and Colombia. I fundamentally believe that the growth of micro and small businesses in Africa is the key to economic prosperity for hundreds of millions of people!", "is_active": true, "linkedin_url": "https://ug.linkedin.com/in/minashahid", "x_url": "https://twitter.com/_minashahid", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/36324d91cf0cdaba33715250278d93acc03be9b1.jpg" }, { "user_id": 218523, "full_name": "Catherine Denis", "title": "Founder", "founder_bio": "Co-founder and COO of Numida. I have lived and worked in Uganda, Rwanda, Burkina Faso, Mali, Haiti and Colombia for 8+ years figuring out how to build teams, build robust processes, and get things done in challenging environments. I hold an MPA/ID from the Harvard Kennedy School and graduated in Systems Design Engineering from the University of Waterloo. As a French Canadian, I always welcome the opportunity to work or connect in my mother tongue. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/catherinedenis", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a7b5c3f58188eb08a446a2b8f9726a4fb560bae3.jpg" } ], "jobs": [], "news": [ { "title": "YC-backed fintech Numida raises $12.3M led by Serena Ventures to extend loans to MSMEs beyond Uganda • TechCrunch", "url": "https://techcrunch.com/2022/09/28/yc-backed-fintech-numida-raises-12-3m-led-by-serena-ventures-to-extend-loans-to-msmes-beyond-uganda/", "date": "Sep 28, 2022" } ], "launches": [] }, { "id": 25891, "name": "PINA", "slug": "pina", "former_names": [ "PINA", "PT Pina Aplikasi Bersama" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a3371ff710a135af2d2ac975d4af1b4b7ff5df24.png", "website": "https://pina.id", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "At PINA, we are designing and building the future of personal finance with a mission to help everyone achieve financial freedom by providing products and advice that make complicated financial decisions simple and relevant. \r\n\r\nWe seamlessly integrate money management and investing into one app to allow people to manage their finances holistically. Users can see their net worth, monthly cash flow and how their budget has changed over the past several months. All of this is automated and designed to help them achieve the savings goal which they have set .\r\n\r\nIn addition to money management, we focus on making investing easy with pre-built portfolios and automatic rebalancing. When you sign up for an account, it offers the option to pick an expertly built portfolio, or you can choose to build your own.", "one_liner": "WealthFront of Indonesia ", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1640802022, "tags": [ "Fintech", "Machine Learning" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pina", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/pina.json", "year_founded": 2021, "city": "Jakarta", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/pinaindonesia/", "x_url": "https://twitter.com/PINA_ID", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a3371ff710a135af2d2ac975d4af1b4b7ff5df24.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 856862, "full_name": "Daniel van Leeuwen", "title": "Founder", "founder_bio": "Founder at PINA. Previously worked @ Grab as Country Marketing Head for Indonesia, where I was responsible for driving the brand and marketing strategy for the Grab mother brand and all products under the super app ecosystem. Have 15+ years experience across design, tech, and marketing. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dan-van-leeuwen-7429104/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/15f1d3ffe32c5c7fece222ff9840e61e68cdb539.jpg" }, { "user_id": 865835, "full_name": "Hendry Chou", "title": "Founder", "founder_bio": "Previously lead product and design in Zenius", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hendry-chou-42251125/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e904efee0acbfb9557056b8feab3991334461098.jpg" }, { "user_id": 861140, "full_name": "Christian Hermawan", "title": "Founder", "founder_bio": "Over 20 years experience in capital market. Managing a company with USD 150 million transaction value per month with USD 300 million asset under management. ", "is_active": true, "linkedin_url": "http://linkedin.com/in/christian-hermawan-26293952", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9cc6a98fbb7c52ed49aa868aa3222a573620e97d.jpg" }, { "user_id": 865833, "full_name": "Fajar Kuntoro", "title": "Founder", "founder_bio": "10+ years working at multinational digital & innovation design agency. led project on web, mobile, data, enterprise solution, marketing & personalisation stack, and digital transformation for FMCG and financial Industry / Brands. \n\nStarted my career as fullstack engineer, led a team of engineer after moved back from UK", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fajar-kuntoro-35860354/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8aa8a258ef61a9e0aea7001993cf4c1a8cd0b3e3.jpg" } ], "jobs": [], "news": [ { "title": "PINA offers wealth management for Indonesia’s growing middle- to upper-class – TechCrunch", "url": "https://techcrunch.com/2022/07/03/pina-offers-wealth-management-for-indonesias-growing-middle-to-upper-class/", "date": "Jul 03, 2022" } ], "launches": [] }, { "id": 25918, "name": "Venue.ink", "slug": "venue-ink", "former_names": [ "Venue", "Venue.live" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48ed643fef7e35b17f37186448b5e1370b52b5b1.png", "website": "https://venue.ink", "all_locations": "Toronto, ON, Canada", "long_description": "Venue.ink is a booking app for tattoo artists and studios. Receive bookings, manage your calendar, chat with clients and get paid. We help artists spend more time on art, and less time on admin.", "one_liner": "Software for tattoo artists and studios", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1643648106, "tags": [ "Fintech", "SaaS", "Creator Economy" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/venue-ink", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/venue-ink.json", "year_founded": 2023, "city": "Toronto", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/venue-ink/", "x_url": "", "fb_url": "https://www.instagram.com/venue.ink", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/48ed643fef7e35b17f37186448b5e1370b52b5b1.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/00dce2e2e157165e12c353333dcc2b08f943ac90.png" ], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 254287, "full_name": "Jason Goldlist", "title": "Founder", "founder_bio": "I started my career as a business analyst at McKinsey & Company. After a quick operations tour at the Vancouver Olympic Games and an MBA at INSEAD, I worked at A Place for Mom in Seattle. I was an early employee at Wealthsimple (co-founded by Brett Huneycutt & Rudy Adler, prev. YC S10) before founding Venue. \n\nI live in Toronto with my wife Tenielle our two boys (Abe is 10, and Reuben is 7).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/goldlist/", "x_url": "https://twitter.com/goldlist", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d8828b5f1a7ef4d53483e005d00baea4aa7d07fe.jpg" }, { "user_id": 820959, "full_name": "Danilo Cabello", "title": "Founder", "founder_bio": "I am computer engineer, born in Brazil, moved to Canada in 2012, I love seeing people using my creations, most recently working with WebRTC, React, Typescript and Ruby on Rails. Love to discuss and talk about tech, processes, ideas, product development.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/danilocabello/", "x_url": "https://twitter.com/cabellomania", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c7623d3ede0190cc53fbc1b6b9345a42ab856b7b.jpg" } ], "jobs": [], "news": [ { "title": "Venue raises $4M from Accel and the CEOs of Slack, Remote, and SquareSpace to give team-wide video meetings a new breath of life – TechCrunch", "url": "https://techcrunch.com/2022/08/17/venue-raises-4m-from-accel-and-the-ceos-of-slack-remote-and-squarespace-to-give-team-wide-video-meetings-a-new-breath-of-life/", "date": "Aug 17, 2022" } ], "launches": [ { "id": 64235, "title": "Venue.live makes remote meetings more fun!", "tagline": "Companies like Shopify use Venue every day for Town Halls, Kickoffs, AMAs, and more.", "body": "### [**✨**](https://emojipedia.org/sparkles/#:\\~:text=Emoji%20Meaning&text=Generally%20depicted%20as%20a%20cluster,well%20as%20newness%20or%20cleanliness.) **Why Venue?**\n\nPeople enjoy working remotely because it’s convenient. But often they don’t find that remote work is fun or helps them feel better connected to their team and mission.\n\nWe’re building [Venue](https://www.venue.live/) to be a place where teams can:\n\n* Reflect their unique personality and culture.\n* Create a vibe that’s fun, energizing, authentic and spontaneous.\n* Provide a safe and inclusive space for colleagues to interact how they want to.\n\nAs a result, we’re seeing higher meeting attendance, better in-meeting engagement and remote team members that feel more energized and connected post meeting!\n\nIf you want to see Venue in action, check out our [YC W22 application demo video](https://www.youtube.com/watch?v=--MSWRhOAg8&list=PLID3W45QzIcjQJk67pOQIafUVc0P5E2AS).\n\n### [**❤️**](https://emojipedia.org/red-heart/) **Our clients really love us**\n\n* Stewart from **Shopify** says: “Anyone can stream a “broadcast-level” experience with Venue. Shopifolk love it.”\n* Attendees at a recent **Yelp** All Hands said:\n * “Our All hands was absolute 🔥”\n * “#venueforpresident”\n * “Venue was the winner today”\n * “As a hardcore introvert, this all hands was the most comfortable and fun one i’ve ever been to.”\n\n### [**🙏**](https://emojipedia.org/folded-hands/#:\\~:text=%F0%9F%99%8F%20Folded%20Hands&text=Two%20hands%20placed%20firmly%20together,Rarely%3A%20a%20high%2Dfive.&text=Android%20once%20showed%20a%20blob,closed%20eyes%20and%20folded%20hands.) **Introduce us to remote companies!**\n\nWe need your help! We want to speak with companies that are: \n\n* Remote-first or hybrid\n* Culture-obsessed \n* Run recurring 100+ person meetings (like All Hands, Town Halls, AMAs, etc)\n\nWe love speaking with leaders from People & Culture, Employee Experience, Internal Communications, Chief of Staffs, Broadcast / AV / IT teams, etc. \n\nIf this describes your company, your previous company, or someone you know, we would love to connect to share what we’ve learned and see how we can help. \n\n**Please reach out to us at** [**founders@venue.live**](mailto:founders@venue.live)**.**\n\n### **🤝 Give us a try!**\n\nWe’re offering to host your next team meeting in Venue for free. No commitments. This test drive includes optional white glove service helping you plan, train and even provide live production support.\n\nWe’ll also share best practices we’ve learned from working with leading remote work companies to help make your remote company culture really shine. \n\n**Sign up at** [**Venue.live**](https://venue.live) **or contact us at** [**founders@venue.live**](mailto:founders@venue.live)**.**", "url": "https://www.ycombinator.com/launches/Gi3-venue-live-makes-remote-meetings-more-fun", "votes": 36, "created_at": "2022-06-30T16:47:02.149Z" } ] }, { "id": 25924, "name": "Better Opinions", "slug": "better-opinions", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f6ae65ec2d1ccb8f2c368690d2013dc58fcdf2be.png", "website": "https://betteropinions.in/", "all_locations": "Bengaluru, KA, India; Gurugram, HR, India; Remote", "long_description": "Better Opinions is a prediction market of India which allows users to trade their opinion on everyday topics. For example, If you think India Covid cases will decrease by 10% this week, you can trade this insight and win money if correct.\r\n\r\nOur aim is to make the app inclusive for all. The stock market unfortunately can be very technical and opaque and therefore isn’t always accessible for all. However, when we start allowing trading in categories such as cricket, politics and entertainment, not only do we make trading more relatable, but we also help improve their financial literacy.", "one_liner": "Prediction market of India", "team_size": 12, "industry": "Consumer", "subindustry": "Consumer -> Gaming", "launched_at": 1642667483, "tags": [ "Fintech", "Consumer", "B2B", "Gaming" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Consumer", "Gaming" ], "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/better-opinions", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/better-opinions.json", "year_founded": 2021, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/better-app-india/", "x_url": "https://twitter.com/Better_Opinions", "fb_url": "https://www.facebook.com/Betterappindia", "cb_url": "https://www.crunchbase.com/organization/better-opinions", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f6ae65ec2d1ccb8f2c368690d2013dc58fcdf2be.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 902793, "full_name": "SAMAY JAIN", "title": "Founder", "founder_bio": "I am an IIT Kharagpur graduate who worked with Gojek as a Product Lead for over 2 years. I have a penchant for trading, and has been an active trader in the markets for over 3 years now. It was this passion for trading that I wanted to make trading more accessible, and with this in mind, Better Opinions was born.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samay-jain-1849616b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c0e6874eeb7aaf1366c60c734844e5cf7ac2ff6b.jpg" }, { "user_id": 910093, "full_name": "Soumyajit Das", "title": "Founder", "founder_bio": "I am Co-Founder of Better Opinions. Previously I had stints with Gojek, PayTm, Meesho, Decathlon.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/soumyajit-das-71208179/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/db3c1cd62f111fa45a1ab6fe005a3b8366fa473a.jpg" } ], "jobs": [], "news": [ { "title": "Better Opinions Raises Funds To Add Social Media On Its Platform", "url": "https://inc42.com/buzz/y-combinator-backed-better-opinions-raises-funding-to-add-social-media-feature-on-its-platform/", "date": "Jul 25, 2022" }, { "title": "YC-backed Better Opinions raises over $1 Mn pre-seed round", "url": "https://entrackr.com/2022/02/yc-backed-better-opinions-raises-pre-seed-round/", "date": "Mar 20, 2022" }, { "title": "Better Opinions Funding: YC backed Better Opinions raises over $1 million in pre-seed round from Java Capital and Soma Capital - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/funding/yc-backed-better-opinions-raises-over-1-million-in-pre-seed-round-from-java-capital-and-soma-capital/articleshow/89476868.cms", "date": "Feb 14, 2022" }, { "title": "Event trading platform Better Opinions raises over $1 million pre-seed funding - The Hindu BusinessLine", "url": "https://www.thehindubusinessline.com/companies/event-trading-platform-better-opinions-raises-over-1-million-pre-seed-funding/article65001452.ece", "date": "Feb 11, 2022" }, { "title": "Better Opinions Funding: YC backed Better Opinions raises over $1 million in pre-seed round from Java Capital and Soma Capital - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/funding/yc-backed-better-opinions-raises-over-1-million-in-pre-seed-round-from-java-capital-and-soma-capital/articleshow/89476868.cms", "date": "Feb 10, 2022" } ], "launches": [ { "id": 70970, "title": "🚀 Better Opinions: Prediction market of India", "tagline": "We are a Prediction Market for India which allows users to trade their opinions on everyday topics.", "body": "### **TL;DR**\n\nIf you have an insight on the current trends and interesting in trading then we have an asset for you. For example, if you believe that `Mr beast` new video will reach 10Mn views you can trade your insight and make money if you are correct.\n\n### **Problem & The Solution**\n\n![uploaded image](/media/?type=post&id=70970&key=user_uploads/902793/b6924985-68a0-4997-92d5-b06c818210a5)\n\n### **Progress**\n\n![uploaded image](/media/?type=post&id=70970&key=user_uploads/902793/28698676-04b3-49a8-a14a-2fc7c0cadd92)\n\n* GMV: $25Mn Annualised GMV run rate, Growing 30% MOM\n* Revenue: \\~$0.4Mn Annualised, Growing 30% MOM\n* Users: 1.8Mn signups, 250K MAU\n* CM1= +0.2% , Cm2 : -0.8% \n* M1 GMV Retention= 110% ; M1 User Retention = 40%\n\n### **Team**\n\n![uploaded image](/media/?type=post&id=70970&key=user_uploads/902793/7636677b-0c4e-40fa-85c6-4769a3e55f76)\n\n**Our Ask**\n\n* Check [Better Opinions](https://www.betteropinions.in/) out! Schedule a chat with us [here](https://calendly.com/samay-2/30min).\n* If you are an expert/investor in the field of skill based gaming, creator economy or gaming/gambling please reach out [here](https://calendly.com/samay-2/30min).", "url": "https://www.ycombinator.com/launches/ISg-better-opinions-prediction-market-of-india", "votes": 42, "created_at": "2023-04-14T13:59:20.387Z" } ] }, { "id": 25930, "name": "SNAB", "slug": "snab", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/beed13dcdb170626c398b7c8ce66df8a3978a4e3.png", "website": "https://www.snabfinance.com/", "all_locations": "Madrid, Community of Madrid, Spain; Remote", "long_description": "Snab aims to automate & centralize access and management of global banking for complex business groups with multiple subsidiaries, and digitize their access to financial services.", "one_liner": "A global finance automation platform for complex multi-entity…", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1648105204, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Spain", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/snab", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/snab.json", "year_founded": 2021, "city": "Madrid", "country": "ES", "linkedin_url": "https://www.linkedin.com/in/gorkaguirreh/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/beed13dcdb170626c398b7c8ce66df8a3978a4e3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 436247, "full_name": "Gorka Aguirre", "title": "Founder", "founder_bio": "Gorka Aguirre (CEO), has 6 years of experience doing Private Equity in New York, at a company that grew from almost zero to more than $2BN AUM during his period at the firm. 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Muslims only invest in Shariah-compliant business, but it's hard to know which businesses are compliant. That's because it's based on complex financial metrics that change over time. We take that burden away entirely.\r\n\r\nAmal can filter stocks but also, remarkably, funds. Set your filters up once, and you'll have access to a universe of investments that cater to your specific requirements. 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Before starting Spade Oban co-founded Hubly - a vertical SaaS platform for independent RIAs. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oban/", "x_url": "https://twitter.com/Obanmact", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/865ea81c5261591da4c1d4c61a26fae1a2014dce.jpg" } ], "jobs": [ { "id": 98588, "title": "Backend Engineer (Mid/Sr)", "url": "https://www.ycombinator.com/companies/spade/jobs/k9ZLlCc-backend-engineer-mid-sr", "location": "New York, NY", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$170K - $230K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [ "Python" ] }, { "id": 98589, "title": "Finance Lead", "url": "https://www.ycombinator.com/companies/spade/jobs/ahCOFcZ-finance-lead", "location": "New York, NY / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$170K - $200K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 98592, "title": "Technical Customer Support", "url": "https://www.ycombinator.com/companies/spade/jobs/2rT8fjC-technical-customer-support", "location": "New York, NY / Remote (US)", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$85K - $108K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Spade raises $40M for transaction data enrichment", "url": "https://www.axios.com/pro/fintech-deals/2026/03/24/spade-40m-bank-transaction-data-tools", "date": "Mar 24, 2026" }, { "title": "Fintech Spade's Series a Pitch Deck Used to Raise $10 Million", "url": "https://www.businessinsider.com/fintech-spades-series-a-pitch-deck-raise-10-million-2023-12", "date": "Dec 18, 2023" }, { "title": "Spade digs into credit card fraud detection intelligence following new capital raise | TechCrunch", "url": "https://techcrunch.com/2023/12/06/spade-credit-card-fraud-detection/", "date": "Dec 06, 2023" }, { "title": "Spade raises $5m in seed funding round led by a16z", "url": "https://blog.spade.com/spade-raises-5m-in-seed-funding-led-by-a16z/", "date": "Feb 27, 2023" }, { "title": "Spade turns credit card transaction gibberish into clear, actionable data | TechCrunch", "url": "https://techcrunch.com/2023/02/27/spade-credit-card-data-a16z/", "date": "Feb 27, 2023" } ], "launches": [] }, { "id": 25973, "name": "BelozFi", "slug": "belozfi", "former_names": [ "Comerza (new name ---> Amiloz)", "AMILOZ", "amiloz", "Amiloz", "amiloz", "Amiloz", "amiloz" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b7064954b699944273829fa9f99e428be9bfa6f.png", "website": "https://www.belozfi.com.mx/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "We are a Y Combinator / Latitud backed financial health focused micro-lending platform in Mexico led by people from companies such as Capital One, Bain, Konfio, DiDi etc. We are hyper focused on making sure our users understand and improve their financial health through their relationship with us. 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I have experience in financial modeling and risk management. My experience and interest in improving financial services led me to co-found Arpari. \n\nI received a BA in Mathematical Economics and Computer Science from University of Pennsylvania. \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexandra-zwiener/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7c180b8c3fff32a36e843b3b0303102b2bc503cd.jpg" }, { "user_id": 798032, "full_name": "Toby Edward", "title": "Founder", "founder_bio": "Passionate about solving problems. Working to improve the commercial real estate banking experience. Background in real estate investing.\n\n\n ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tobias-milligan-3b963564/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5bdb3a4d48fecb7d13ae68fa12656af1d0f9453f.jpg" } ], "jobs": [ { "id": 67584, "title": "Software Engineer (NYC)", "url": "https://www.ycombinator.com/companies/arpari/jobs/Nf4apLy-software-engineer-nyc", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$90K - $150K", "equity_range": "0.25% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Django", "Git", "Python", "React", "SQL" ] }, { "id": 68120, "title": "Full Stack Engineer (India)", "url": "https://www.ycombinator.com/companies/arpari/jobs/P0ToXTK-full-stack-engineer-india", "location": "IN / Remote (IN)", "type": "Contract", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹900K INR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Django", "Git", "Python", "React" ] }, { "id": 71827, "title": "Sales Development Representative (NYC)", "url": "https://www.ycombinator.com/companies/arpari/jobs/fwgePE7-sales-development-representative-nyc", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $85K", "equity_range": "0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 89175, "title": "Arpari – Multibank treasury management", "tagline": "One login for multibank finance teams", "body": "# [**👋**](https://emojipedia.org/waving-hand) Hi YC,\n\nI’m Alex, founder of [Arpari](https://www.arpari.com/). Over the past 3 years, we’ve been working with commercial real estate finance teams to streamline their bank account data. We’ve built a multibank dashboard to provide a single login to teams working with hundreds of accounts across 10+ banks. \n\n💸 Today we’ve launched **multibank payments**, further reducing the need for teams to log into separate bank portals. Now, teams can fully manage their account inventory, reconcile transactions, and make transfers in a single dashboard.  \n\n🚀 Recently, we have **expanded our focus beyond** real estate to satisfy all entity structures. Whether you are a small finance team with a simple account structure or you deal with hundreds of subsidiaries and entities and the complexity that brings, Arpari makes it easy to streamline your bank-related processes. \n\n# **TL;DR**\n\n* Arpari centralizes account inventory, balances, and transactions across all your accounts, making month-end processes a breeze\n* Our dashboard works with any number of banks and complex entity structures \n* Today, we launched payments so your team just needs to log into a single portal to set up and approve all payments to vendors, investors and anyone else\n* Do you know any finance teams that work with more than one bank? Please introduce us! Email [Alexandra.zwiener@arpari.com](mailto:Alexandra.zwiener@arpari.com) or [book a demo here](https://www.arpari.com/book-demo)\n\n  \n\n# **❌ The Problem**\n\n![uploaded image](/media/?type=post&id=89175&key=user_uploads/859217/57361321-c472-4677-955d-e6feecc21f04)\n\nFinance teams who are responsible for balance reporting and transaction reconciliation often scramble at month end, don’t report at the frequency they’d like, or sacrifice reporting accuracy altogether.   \n\n1. **ACCOUNT INVENTORY**: Using multiple banks can mean liquidity is an unknown, especially for teams who work with many accounts. Bank accounts tracked in Excel—many unnamed or vaguely labeled—makes effective management nearly impossible. Often accounts are missed, and cash misplaced. \n2. **MANAGING ACCESS**: Financial operations are severely hindered by fragmented bank access scattered across multiple team members. Accountants regularly need separate logins, deal with constant lockouts, and navigate multiple security code requests, reducing productivity. Add in payment approval workflows, and you have duplicate, complex permissions to manage across multiple portals. \n3. **DATA NORMALIZATION**: Beyond data access, when teams finally gather transaction data across banks, the data comes through in various formats. Many banks only offer PDF downloads, some banks don’t even provide export.  \n4. **TRANSFER MONITORING**: Teams need to log into multiple portals to monitor pending transactions and approvals. Additionally, when vendor or investor bank details change, they need to update the information across multiple portals.\n\n \n\nTeams who have tried to solve this problem have found treasury software that doesn’t work for multibank users. Incumbent solutions price with bank-by-bank implementation, which doesn’t work for users who have hundreds of accounts across 10+ banks, with their account and bank list constantly in flux. \n\n  \n\n# 👩‍💻  **Our Solution: One login for all finance teams needs**\n\n![uploaded image](/media/?type=post&id=89175&key=user_uploads/859217/7bf3d96a-04c3-4687-b9a6-6d369a929170)\n\n  \n\nWe’ve built a dashboard for finance teams to interact in one place. When teams are doing the same manual tasks 10+ times, why not do them once? \n\n### STABLE CONNECTIONS\n\nWe leverage various connection methods to banks to provide stable, usable data daily to our customers. The account, balance, and activity information is the foundation to all workflows for our customers; unifying this information into a single place gives them back time for month-end reporting, peace of mind, and full transparency of their true cash flow.  \n\n### DASHBOARD CUSTOMIZATION\n\nWe offer added customization to help organize account, balance, and activity data. Our dashboard is built around teams with complex fund and entity structures and prioritizes easy navigation according to how our users think about their bank information. \n\n### SINGLE PORTAL ACCESS\n\nWith payment approval workflows and read-only access, finance teams no longer need to permission non-account signers into bank portals. Finance teams can conduct their day-to-day operations without needing to log into 10+ portals to make payments or pull activity. \n\n  \n\nWhether you are the controller sending investor distributions and paying vendors, an executive who wants a headline snapshot of cash, or an accountant reconciling transactions, Arpari saves you time. \n\n  \n\n![uploaded image](/media/?type=post&id=89175&key=user_uploads/859217/a04f6c1b-0560-4b46-88f3-006cef73f664)\n\n# **🙏  Ask**\n\n* Follow us on [LinkedIn](https://www.linkedin.com/company/arpari/), and [book a demo](https://www.arpari.com/book-demo) with our team. \n* **Share this post!** -  Do you know anyone in your network who is a CFO, controller, account manager, or treasurer? Please share this post! \n* Learn more at [arpari.com](http://arpari.com)\n\n \n\n👉 Contact me at [Alexandra.zwiener@arpari.com](mailto:Alexandra.zwiener@arpari.com)   \n\n![uploaded image](/media/?type=post&id=89175&key=user_uploads/859217/b6f6aded-20b6-408e-bcc9-b11e63c20305)\n\n ", "url": "https://www.ycombinator.com/launches/NCJ-arpari-multibank-treasury-management", "votes": 3, "created_at": "2025-04-02T12:30:40.465Z" } ] }, { "id": 26003, "name": "Mahaana Wealth", "slug": "mahaana-wealth", "former_names": [ "Dynasty Financial Advisors", "Mahaana" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://mahaana.com", "all_locations": "Karachi, Sindh, Pakistan; Islamabad, Islamabad Capital Territory, Pakistan", "long_description": "Pakistan has 401K style schemes for retirement but only 0.02% people have retirement accounts. Previously unallowed, Digital onboarding & KYC was adopted by the regulator in late 2021. We are the first & only licensed digital investment advisor and looking to take advantage of this regulatory tailwind. 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He is a CFA and FDP charter holder.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/muhammad-shamoon-tariq-cfa-24b40a80/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0cac07b4444da7f5b20d31c13d557628773aaea9.jpg" } ], "jobs": [], "news": [ { "title": "YCombinator-backed Mahaana Wealth announces $2.1mn pre-seed raise to digitise wealth management in Pakistan - Profit by Pakistan Today", "url": "https://profit.pakistantoday.com.pk/2022/08/23/ycombinator-backed-mahaana-wealth-announces-2-1mn-pre-seed-raise-to-launch-digital-wealth-management-company-in-pakistan/", "date": "Aug 22, 2022" } ], "launches": [] }, { "id": 26016, "name": "Finku", "slug": "finku", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd2fc34605d4558d713fd1df46893a192df5b825.png", "website": "http://finku.id", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Finku is an AI powered personal finance app (budget & money manager) focused on geographies without Open Banking, such as Indonesia. \r\n\r\nFinku makes it easy for users to learn about their spending behaviors and recommends ways for user to achieve their goals faster (i.e saving more, etc.). Finku has helped 1 million Indonesian by offering a more seamless and innovative method of storing financial transactions, by processing these data-points & offering insightful suggestions for users, by providing access to a virtual financial assistant, hence creating a rewarding & sticky experience for our users.\r\n\r\nFinku is backed by B Capital, Partech, Golden Gate Ventures, Goodwater Capital, Trihill Capital and YCombinator.", "one_liner": "AI powered personal finance app for Indonesia", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1640796466, "tags": [ "Fintech", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/finku", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/finku.json", "year_founded": 2021, "city": "Jakarta", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/finku/mycompany/?viewAsMember=true", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/finku", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd2fc34605d4558d713fd1df46893a192df5b825.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 546824, "full_name": "Reinaldo Tendean", "title": "Founder", "founder_bio": "At Finku our vision is to help people make better financial decisions regardless of their background!\n\nPreviously, I was a consultant at BCG where I helped detail out strategic roadmaps & incubate start-up concepts for large corporate together with BCG DV.\n\nGrowing up in Indonesia and having the privilege to study at Berkeley, I've grown to be passionate about financial inclusion, waste management, and sports. I'm always looking for ways to empower & provide hope to every individual.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/reinaldo-tendean/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8217900adca6e8c25f24c45908040df6896a2675.jpg" } ], "jobs": [ { "id": 48913, "title": "Sr Machine Learning Engineer", "url": "https://www.ycombinator.com/companies/finku/jobs/F1zbztw-sr-machine-learning-engineer", "location": "Jakarta, Indonesia / Remote (Jakarta, Jakarta, ID)", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "MySQL", "Data Analytics" ] }, { "id": 103601, "title": "Growth & Content Marketing", "url": "https://www.ycombinator.com/companies/finku/jobs/LgG94vi-growth-content-marketing", "location": "Jakarta, Jakarta, ID", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "Finku secures $2.8M Seed funding led by B Capital, Trihill & Global Founders Capital to boost its Indonesian expansion - TechNode Global", "url": "https://technode.global/2022/05/13/finku-secures-2-8m-seed-funding-led-by-b-capital-trihill-global-founders-capital-to-boost-its-indonesian-expansion/", "date": "May 13, 2022" }, { "title": "B Capital co-leads $2.8m round of Indonesian personal finance app", "url": "https://www.techinasia.com/finku-seed-funding", "date": "May 13, 2022" } ], "launches": [] }, { "id": 26042, "name": "Pigeon", "slug": "pigeon-2", "former_names": [ "Pigeon Loans" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b139123800489407f058e0b228890ae6c0af4d3a.png", "website": "https://www.usepigeon.io", "all_locations": "Miami, FL, USA; Remote", "long_description": "Pigeon is a relationship based technology platform that facilitates the creation and management of loans between friends, family, loved ones, and anyone who trusts one another.\r\n\r\nBy providing smarter ways for people to mix money with their relationships, Pigeon seeks to empower individuals to borrow and lend money with the people they trust.", "one_liner": "Simplifying loans with your friends & family.", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1643783750, "tags": [ "Fintech", "Consumer", "LegalTech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Inactive", "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/pigeon-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/pigeon-2.json", "year_founded": 2020, "city": "Miami", "country": "US", "linkedin_url": "https://www.linkedin.com/company/usepigeon/", "x_url": "https://twitter.com/use_pigeon", "fb_url": "https://www.facebook.com/usepigeon", "cb_url": "https://www.crunchbase.com/organization/pigeon-loans", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b139123800489407f058e0b228890ae6c0af4d3a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 860800, "full_name": "Brian Bristol", "title": "Founder", "founder_bio": "Tech Enthusiast. 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Prior to GIMO, Quan was an ex-Citibank executive managing its consumer banking division and used to lead capital raising and investments valued $100Mn in Vietnam's debt market at family offices and boutique investment funds. Quan holds an Executive MBA from Shidler College of Business, University of Hawaii at Manoa. 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Pantha has engineering degrees from Imperial College, Cambridge University and an MBA from INSEAD.\n\nhttps://www.pantha.io/", "is_active": true, "linkedin_url": "https://sg.linkedin.com/in/pantharoy", "x_url": "https://twitter.com/PanthaRoy", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e4746cc7389377cfd9c224ff07ff6b3c6a22cbd6.jpg" } ], "jobs": [], "news": [ { "title": "\nCircular raises US$7.6M funding for electronic gadgets subscription service | e27", "url": "https://e27.co/circular-raises-us7-6m-funding-for-electronic-gadgets-subscription-service-20231009/", "date": "Oct 09, 2023" }, { "title": "Singapore’s tech subscription service Circular wants to keep devices out of the landfill | TechCrunch", "url": "https://techcrunch.com/2023/10/08/circular/", "date": "Oct 08, 2023" }, { "title": "How Circular is reshaping tech ownership with flexible subscriptions", "url": "https://vulcanpost.com/829004/circular-reshapes-tech-ownership-flexible-subscription-singapore/", "date": "Jun 07, 2023" }, { "title": "Want a new phone every year? 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Together with Mario Gaw, he wanted to change how people do groceries in today's world where spare time is better spent on quality time with family rather than doing weekly grocery shopping. He has been building teams and products in several industries ranging from Telcos, E-Commerce, Payments, Loyalty Systems. 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Head of Digital Banking at Scotiabank for Caribbean and Central America. Throughout the pandemic hired and lead a 130+ team of engineers, designers, and product owners to rebuild a complete mobile and web banking platform for 2M customers in 11 countries. Previously held executive roles at insurance and investment firms", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/yanpieronunez", "x_url": "http://www.twitter.com/piero09", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/324d262bbaf97ef257e355987c82eb927028bbf5.jpg" }, { "user_id": 894342, "full_name": "Luis Peña", "title": "Founder", "founder_bio": "2nd time fintech founder, former TS Tech Lead @ Rover. +10yrs of experience building software and consumer products. Founded & managed a software factory with several dev. & infra. teams across different time-zones while creating products that impacted +1.5M users.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lupena/", "x_url": "https://twitter.com/luismiguelpg", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4a11df4aae5ef38c978ad9cec55e5b54f10887d7.jpg" } ], "jobs": [], "news": [ { "title": "Our 11 favorite companies from YC's S22 Demo Day: Part 1 • TechCrunch", "url": "https://techcrunch.com/2022/09/07/11-favorite-yc-demo-day-s22-startups/", "date": "Sep 07, 2022" } ], "launches": [ { "id": 64717, "title": "Pana: Challenger bank for fastest-growing population in the USA 💵📲", "tagline": "Made for the 62M Latinos who have a $1.7T buying power and are mostly underserved 🚀", "body": "### **TL;DR:**\n\nBanking app for 62M Latinos in the US by a team out of Scotiabank’s Digital Factory & 3 consumer-focused Unicorns\n\n### **Problem**\n\nLatinos are all looking for a banking product that speaks to our needs and worries\n\n### **Solution**\n\n**We’re building a new banking experience that starts by solving key pain-points:**\n\n* Opening a **US-Bank account online** (linked to a Visa Debit Card) with just a passport instead of having to visit a bank branch with a painful paperwork when lacking an SSN\n* A friendly banking app with **Group Chats** we can join to lend or borrow money from each other **globally** instead of relying on Alternative Financial Services or cash\n* **Sending remittances in minutes with zero fees** vs paying on ave. 6% ($18 for the ave. $300 monthly remittance)\n\n### **Team**\n\nWe’ve previously built Digital Banking products for millions of customers in LatAm and have personally lived through the struggles of migrating to the USA.\\\n\\\nNow, we’re on a mission to remove financial barriers for Latinos in the USA and we’re doing it with a social approach because we all know that not everyone might need a bank, but everyone needs a Pana _(Spanish for pal)._\n\n### **Our ask:**\n\n* [Try out Pana](https://www.joinpana.com/) & help us spread the word ([IG](https://instagram.com/pana.app?igshid=YmMyMTA2M2Y=)/[FB](https://www.facebook.com/panaapp)/[in](https://www.linkedin.com/company/panaapp/)/[Twitter](https://twitter.com/joinpana))\n* Let us know of any business you know whose employees or potential buyers lack a bank account. Our product solves one of their biggest headaches", "url": "https://www.ycombinator.com/launches/Gpp-pana-challenger-bank-for-fastest-growing-population-in-the-usa", "votes": 60, "created_at": "2022-07-19T00:20:25.505Z" } ] }, { "id": 26659, "name": "Weltio", "slug": "weltio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7bb7c309bff6f12dbf8b78ad14581d2fc53495f8.png", "website": "https://www.weltio.com", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "Weltio gives users access to a fully fledged brokerage account in USD, through unique features such as local instant cash rails, a robo-advisor, and tailored portfolios for the LatAm user. Starting with MX we’re going after a market with a potential in AUM of >$60B and 40M accounts", "one_liner": "First LatAm W3 WealthTech for AutoInvesting in securities & crypto", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1657547591, "tags": [ "Fintech", "Crypto / Web3", "Investing", "Retail" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Asset Management" ], "regions": [ "Mexico", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/weltio", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/weltio.json", "year_founded": 2021, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/weltio/", "x_url": "https://twitter.com/WeltioApp", "fb_url": "https://www.facebook.com/weltioapp", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7bb7c309bff6f12dbf8b78ad14581d2fc53495f8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1007350, "full_name": "David Abusaid", "title": "Founder", "founder_bio": "David Abusaid holds a BS Civil Engineering from Tec de Monterrey and an MBA from IESE Business School in Barcelona. He has more than 12 years of experience providing consulting services to financial institutions, working in more than 15 countries globally with McKinsey & Company and Oliver Wyman in Mexico and Miami. David is one of the co-founders of Weltio, where he has been working for the last 9 months, leading the areas of Administration, Legal, Partnerships, Human Capital and Accounting.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/david-abusaid/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/90f139859c56aa48bcf349fda30ad0f4334f77eb.jpg" }, { "user_id": 1013260, "full_name": "George Marvin", "title": "Founder", "founder_bio": "George has over 4 years of product managment experience in fintech, working for Klarna and Wayfair in Berlin, previously he helped tradicional financial institutions embark on their digital transformations during his 8 years of consulting at McKinsey. He holds an MBA from London Business School, and BS in mechatronics engineering from Tec de Monterrey.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/gcookmarvin/", "x_url": "https://twitter.com/georgecook", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/abfbfd7505780a63349dea5a8d5cfab302220375.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 64327, "title": "Weltio - Wealth Management platform designed for Latin America", "tagline": "Providing access to global financial assets to grow wealth in Latin America ", "body": "Hey everyone! We are excited to launch [Weltio](https://weltio.com/) - a low cost platform designed for Latam users to open a brokerage account in US dollars for investment in US equities and 20+ cryptocurrencies. Weltio is built on an API first model that allows us to focus on the user experience by building features for the middleware and front end.\n\n**The Problem**\n\nThere is a historical challenge to create and transfer wealth through generations in Latin America.  There is a lack of access to world-class assets for the middle and middle-upper classes, costs are high, education is low, and customer experience is lagging behind advanced economies.  In the past 30 years, investing in the US markets has yielded a 5x benefit (adjusted for inflation), while in Mexico, as an example, yields negative returns.  \n\nThe chart below summarizes how big the overall disparity of investment outcomes between the investing in local assets vs. global assets:\n\n![uploaded image](/media/?type=post&id=64327&key=user_uploads/1007350/c3c8fb28-46bf-4251-abc6-1f397e15bd0a)\n\n**The Solution**\n\nWeltio allows users to open a brokerage account in the US in less than 5 minutes with a smooth onboarding process.  Once the account is open, users can fund their accounts with a domestic wire (in our initial geography Mexico, wires are made in MXN).  The user then receives a deposit in USD in their account in less than 30 minutes!  From their account they can invest in stocks and ETFs and buy/sell cryptocurrencies (20+ available) - we have zero cost for trading and have a very competitive commissions structure for crypto.  Additionally, we believe it is our duty to enable our users to make the best investment decisions by providing essential information and education modules for them to make the best decisions.\n\n![uploaded image](/media/?type=post&id=64327&key=user_uploads/1007350/4b06e230-dfb5-401f-88d0-0913e7c64b0b)\n\n**Background on the Idea and Founders**\n\nWeltio started in fall 2021, but the desire to give access to high-quality financial services to people in Latin America started years before that.  David has spent most of his professional career as a consultant for McKinsey and Oliver Wyman, advising financial institutions in more than 15 countries in 4 continents, where he has seen, first-hand, the vast difference in financial products and services offered.  George spent several years as a consultant for McKinsey, also advising financial institutions.  After deciding to leave for tech, he joined Wayfair and Klarna in Berlin, where he developed expertise in product.  David and George met more than 10 years ago at McKinsey, where they worked together on several projects and have remained good friends since then. \n\n**Asks for the Community**\n\nDownload the platform and tell us your thoughts! Although the platform is for now only covering Mexico, feedback on the platform helps us build a world-class product, ping us directly and we can provide a test-user account.\n\nIf you or someone you know offers API based investing, or yield as a service please reach out! We’d love to connect and explore a potential partnership going forward. \n\n**Reach Out**\n\nFeel free to reach out to us on social media: Instagram (@weltioapp), Facebook (/weltioapp), twitter (@weltioapp), LinkedIn (Weltio) or at: [founders@weltio.com](mailto:founders@weltio.com)", "url": "https://www.ycombinator.com/launches/GjX-weltio-wealth-management-platform-designed-for-latin-america", "votes": 32, "created_at": "2022-07-05T14:43:32.891Z" } ] }, { "id": 26661, "name": "Stream", "slug": "stream", "former_names": [ "Beam" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4afa12f148d4692ca9eb6839e409ffa30655b470.png", "website": "http://www.stream.claims", "all_locations": "San Francisco, CA, USA", "long_description": "At Stream, we’re on a mission to modernize the insurance industry. Our product—the Stream AI Claims Workbench—uses custom AI agents to turn a constant stream of PDFs into automated workflows and high-value signals. This helps claims teams focus on the human work—getting people the medical treatment they need and the benefits they’re owed—while reducing costs for insurance companies.", "one_liner": "The AI Claims Workbench automating insurance claims ", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1656542941, "tags": [ "Fintech", "SaaS", "B2B", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/stream", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/stream.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/streamclaims/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4afa12f148d4692ca9eb6839e409ffa30655b470.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/fed200ffe2e7cf2ea0699b0a0c072fb967cc94aa.png" ], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 986387, "full_name": "Eilam Levitov", "title": "Founder", "founder_bio": "Co-founder and CTO of Stream Claims, the AI platform for insurance defense. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/eilamlevitov", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/03f8cd6b78b61ea29f348cf34437350494e0d99c.jpg" } ], "jobs": [ { "id": 65425, "title": "Staff Software Engineer ", "url": "https://www.ycombinator.com/companies/stream/jobs/YHRZT8i-staff-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$210K - $265K", "equity_range": "0.25% - 0.75%", "experience": "6+ years", "visa": "Will sponsor", "skills": [ "Amazon Web Services (AWS)", "Python", "TypeScript", "DynamoDB", "Machine Learning", "Serverless" ] } ], "news": [ { "title": "Stream secures $5.3M seed for workers compensation documentation", "url": "https://www.axios.com/pro/health-tech-deals/2024/10/09/stream-seed-workers-compensation", "date": "Oct 09, 2024" } ], "launches": [ { "id": 65582, "title": "Stream ~ modernizing the workers' comp claim process", "tagline": "Automating claim adjuster workflows and producing better claim outcomes", "body": "Hey there 👋 We’re [@Eric Yen](https://www.linkedin.com/in/yeneric/) & [@Eilam Levitov](https://www.linkedin.com/in/eilamlevitov/) founders of [Stream](https://www.stream.claims/) (S22).\n\n**tl;dr**\n\nThe two of us are insurance and tech veterans innovating in commercial insurance claims. At Stream we automate the high-touch workflows workers’ comp claims adjusters do on a daily basis. Our platform saves adjuster time spent on repetitive tasks like calling and faxing, allowing the adjuster to focus on the high-value claim activities that improve the injured workers’ claim experience and optimize financial outcomes for insurance companies.\n\n**The Problem** 🤕\n\nWorkers’ Compensation (WC) insurance is a government-mandated program that provides benefits to workers who get hurt on the job. When a workplace injury occurs, a claim is filed on behalf of the injured worker. This claim pays out for the wages and medical treatment needed to get the employee back to work.\n\nToday, claim adjudication is a grossly manual process which involves adjusters spending the majority of their day either on the phone tracking down information or entering unstructured notes into legacy systems. The average adjuster handles 140 cases at any single time and takes 5 business days to respond to inquiries from injured workers.\n\nConsequently, the Injured worker is left alone to navigate an unfamiliar and complex claims process. Imagine feeling vulnerable with no clue how your bills will be paid. This pushes injured workers to the brink and inevitably to the front door of their local injury lawyer. In states like CA & FL, over one third of all WC claims are litigated - and the moment an attorney gets involved, that claim balloons 5x in cost.\n\n**\\~ Stream**\n\n![uploaded image](/media/?type=post&id=65582&key=user_uploads/986387/9172c9b2-5a9e-4064-80b6-d180a335c129)\n\nThe two of us met at Next Insurance, where Eric led WC product and Eilam led Risk Engineering. Eric also previously worked at Liberty Mutual as a WC claims adjuster for 5 years. At Next, we realized nothing has changed since Eric’s days as an adjuster and none of the automation we were building for the underwriting side exists in claims management today. That’s why we left to build Stream.\n\n![uploaded image](/media/?type=post&id=65582&key=user_uploads/986387/9c055997-8925-4c23-b75b-7117213d6550)\n\n![uploaded image](/media/?type=post&id=65582&key=user_uploads/986387/b33699f2-0c61-43aa-a3fc-a98ddeca5c3f)\n\nStream saves up to 40% of an adjuster’s time spent on the phone, sending faxes, and manually typing notes into their claim system. Moreover, we also improve the claim experience for the injured worker by providing real-time information such as claim status and financial updates, and help facilitate services such as transportation to doctors offices - all via text.\n\n**Our ask**\n\nKnow anyone working in commercial insurance or with experience in claims processing? We’d love an intro!\n\n\\\nFeel free to reach out to us - [founders@stream.claims](mailto:founders@stream.claims)\n\n\\\nThanks,\n\nEric & Eilam\n\n[www.stream.claims](http://www.stream.claims)", "url": "https://www.ycombinator.com/launches/H3m-stream-modernizing-the-workers-comp-claim-process", "votes": 34, "created_at": "2022-08-23T19:30:31.281Z" } ] }, { "id": 26681, "name": "Alma", "slug": "alma", "former_names": [ "Alma Financial", "Derisk", "Alma Financial" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/581364464788680f269b799b7681e692ba938361.png", "website": "https://www.myalmafi.com", "all_locations": "Seattle, WA, USA; Palo Alto, CA, USA; Remote", "long_description": "", "one_liner": "Gamified mobile banking app where people can win $1M every Wednesday", "team_size": null, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1657738883, "tags": [ "Fintech", "Payments", "Gaming", "Consumer Finance", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/alma", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/alma.json", "year_founded": null, "city": "Seattle", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/581364464788680f269b799b7681e692ba938361.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 972531, "full_name": "Agni Bhattacharya", "title": "Founder", "founder_bio": "Formerly product leader at Meta, Zynga and a series D fintech startup. Once ran a mobile gaming side hustle, in which I launched a word game and scaled it to over 1M users. Sold game IP to a gaming studio. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/agnib/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2b0becf2263b26ba537ea2afb4046ddf2ce60e7a.jpg" }, { "user_id": 328719, "full_name": "Allison Bellows", "title": "Founder", "founder_bio": "Into math and its siblings", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/allison-bellows-533212123/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1c4c983927e47150ed6b5e66e65eb2fd3e6899e2.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26703, "name": "Versa", "slug": "versa", "former_names": [ "Bend" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/590fc99f3c68b1005a624179c505ab56706fd799.png", "website": "https://versa.org", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "Versa is a merchant-owned network, through which merchants securely send purchase details to buyers. You'll automate government-mandated receipt capture, reduce chargebacks, and grow sales.", "one_liner": "Smart receipts for your business spend", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1656108076, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/versa", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/versa.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/versa-protocol/", "x_url": "https://twitter.com/versaprotocol", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/bend-ec13", "github_url": "https://github.com/versa-protocol", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/590fc99f3c68b1005a624179c505ab56706fd799.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": 8725, "full_name": "Ted Power", "title": "Founder", "founder_bio": "Co-founder of Versa (S22), former co-founder of Abacus (W14), formerly Google, Venmo, Foursquare", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tedpower/", "x_url": "https://twitter.com/tedp", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b995d7e8fed9f61379fd0e6e05582fd4ff7a6456.jpg" }, { "user_id": 1013210, "full_name": "Thomas Moore", "title": "Founder", "founder_bio": "Co-founder of Versa (S22), formerly engineering @ Abacus — Brooklyn resident, grown in Redmond", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thomasmost", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f06a33173c5aaab3831849d752cb2abacfad6d38.jpg" } ], "jobs": [], "news": [ { "title": "How a new class of climate startups could get a boost from the SEC | TechCrunch", "url": "https://techcrunch.com/2024/03/05/sec-climate-rule-startup-benefits/", "date": "Mar 05, 2024" }, { "title": "Bend offers carbon offsets to combat corporate spend | TechCrunch", "url": "https://techcrunch.com/2023/05/03/bend-carbon-offset-corporate-spend/", "date": "May 03, 2023" } ], "launches": [ { "id": 82606, "title": "Versa: Smart B2B receipts", "tagline": "Your customers' expense management on auto-pilot", "body": "**tl;dr:** B2B companies use [Versa](https://versa.org/) to automatically sync sales receipts into your customers’ expense management system. For free. Happier corporate customers == more corporate business for your startup.\n\n### The problem\n\nBig companies need receipts for everything they buy (every SaaS bill, every hotel folio, every Uber, every coffee). Because:\n\n* The IRS requires receipts for every transaction over $75.\n* They need the itemized details to enforce their expense policies.\n* In Europe, companies can reclaim 20% of their spend (VAT)... but only if they have receipts.\n\n![uploaded image](/media/?type=post&id=82606&key=user_uploads/8725/eda8dbb3-503a-46c5-bda3-b8c4b5689350)\n\nBut despite this need, no system exists to aggregate this data. Finance teams rely on employees to photograph paper receipts, or forward emailed receipts to their expense management / AP systems. This creates a bunch of employee busywork, and compliance is still far below 100%. \n\nGreat tools like Brex streamline every other part of expense management, but not receipts.\n\n### Beautiful receipts, synced directly into your business customers’ expense management system. For free.\n\n![uploaded image](/media/?type=post&id=82606&key=user_uploads/8725/316a25c6-32cd-4bf9-b597-be017d34a872)\n\nWe built Versa to eliminate this manual process. Your encrypted receipt data is passed directly to your buyers. \n\nWe currently have several customers (including many YC companies) using it.\n\n### Do you use Stripe for billing?\n\nIf so, we have a founder request. We just launched a Stripe app that lets you try out Versa with just a couple of clicks: \n\nPlease test it out! It’s completely free, and for most people, it takes < 5min. Having more merchants on Versa helps us tremendously. \n\nLet us know if you have any feedback, or if we can return the favor. ", "url": "https://www.ycombinator.com/launches/LUM-versa-smart-b2b-receipts", "votes": 7, "created_at": "2024-07-31T15:33:18.722Z" }, { "id": 71112, "title": "Bend - A corporate card built for climate-friendly businesses ($100 to try it)", "tagline": "Earn 4% yield on deposits and carbon removal rewards on your everyday card purchases. Free carbon accounting included.", "body": "TL;DR - Just by shifting some of your company spending to Bend, you’ll be helping to reduce climate-changing emissions, thanks to the carbon removal rewards you’ll automatically earn, and our embedded climate analytics.\n\n![uploaded image](/media/?type=post&id=71112&key=user_uploads/8725/dd74d8ed-b20a-4977-bd01-bdf196ce6ceb)\n\n### **How it works:**\n\n* Bend is a modern card and cash account, combined with free carbon accounting and climate rewards\n* Bend works similarly to how you’d use a business bank account. Send and receive ACH and wires, earn 4% yield on deposits, issue physical and virtual cards with budgets, etc.\n* Carbon accounting typically runs companies $40k/year and up. We make money off the card interchange (same as any bank), enabling us to offer the carbon accounting for free, and pass through carbon removal rewards.\n* The way we actually do the carbon accounting is laid out here — we always return a confidence score with every CO2e assessment: \n* We have awesome customers like Harmonic AI () and Fathom (). If you choose, you can create a report of your climate action through Bend like these ones, which you can share with customers, employees, investors, etc.\n\n![uploaded image](/media/?type=post&id=71112&key=user_uploads/8725/b8c15c5e-5e61-4646-b46d-b6480ff4ece1)\n\n### **Why tracking and reducing climate-changing emissions is worthwhile:**\n\n* It’s good for the planet (and free!)\n* It will help you sell your products to B2C customers who care about the climate, and B2B customers who have set net zero goals (64% of global market cap companies now report on climate data, and are increasingly asking their suppliers to do the same)\n\n### **How we got here:**\n\nWe [launched Bend](https://news.ycombinator.com/item?id=32166140) last summer as an API. We’re now launching cards directly, because we’re able to offer the functionality for free, and it’s easier for startups to try it out. Prior to Bend, Thomas and I worked at [Abacus](https://bookface.ycombinator.com/company/572), where I was one of the co-founders — our background is in fintech, and our goal is to layer in climate insights on top of your financial stack.\n\nWe’d love it if you tried Bend out!", "url": "https://www.ycombinator.com/launches/IUy-bend-a-corporate-card-built-for-climate-friendly-businesses-100-to-try-it", "votes": 30, "created_at": "2023-04-21T13:57:22.372Z" }, { "id": 64027, "title": "Bend ⚡ 1-click Carbon Accounting", "tagline": "Bend helps you close sales as a sustainable business", "body": "At Bend, we help companies develop an **affordable**, **automated**, and **credible** path to net zero using your spend data. And we help fintech companies **embed** sustainability into b2b tools.\n\n![uploaded image](/media/?type=post&id=64027&key=user_uploads/8725/de981465-da6b-4888-b0cd-3df01f8cdce6)\n\nThomas and I found our way to this project via our background in fintech. Prior to Bend, we worked together at Abacus (W14), a real time expense management company that I cofounded in 2014, serving small businesses. At Abacus, we noticed a pattern: finance teams are increasingly paying attention to the climate impact of their purchase decisions, from travel policies, to cloud hosting, and beyond. And better tooling and data is needed to drive pragmatic, effective climate action. \n\n### **From zero to net zero in 5 minutes**\n\nHere’s how Bend works:\n\n* Bend converts spend data into CO2e data.\n* For example: imagine a $1,000 bill from Atlassian. Bend aggregates corporate emissions disclosures; we know that for every $1,000 spent with Atlassian, there’s a 30.2 kg footprint.\n* For long-tail merchants, we have merchant category fallbacks, so you’re always guaranteed 100% coverage (e.g. for Starbucks, we use the Starbucks factor, for a mom-and-pop coffee shop, we use a benchmark ‘coffee shop’ factor).\n* Our methodology is developed and vetted by climate science PhDs (degrees from MIT, Columbia, etc.), and our team has years of fintech experience (Abacus, Emburse, Google, Venmo).\n* Once armed with a complete picture of your emissions, you can choose a course of action — you might consider switching to lower-carbon-intensity vendors, offsetting your remaining emissions, and then **closing sales as a sustainable business** (we can help!).\n\n![uploaded image](/media/?type=post&id=64027&key=user_uploads/8725/339c2757-2d8e-4721-9bdc-d3b996b98c44)\n\n### **Why now**\n\n* Companies (e.g. Salesforce, Apple, Walmart) now require their suppliers to measure emissions and set reductions targets. Bend can help you sell to these customers.\n* The SEC is expected to roll out new climate data disclosure requirements this year, applying to public companies, with downstream impacts.\n* Your company has a surprising amount of leverage to accelerate decarbonization. It’s a great thing to be a part of, and has positive brand benefits for your startup.\n\n### **Our ask**\n\nTry Bend out! [**app.bend.green/sign-up**](http://app.bend.green/sign-up)\n\nAnd if you think we might be able to work together — [schedule time with us](https://calendly.com/ted-bend/30min)", "url": "https://www.ycombinator.com/launches/Geh-bend-1-click-carbon-accounting", "votes": 60, "created_at": "2022-06-23T19:47:32.624Z" } ] }, { "id": 26704, "name": "Two Dots", "slug": "two-dots", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/06c738449ceac7bc3068c3a0510a285b6078503d.png", "website": "https://www.twodots.com", "all_locations": "San Francisco, CA, USA", "long_description": "We're building an AI consumer underwriting automation agent. ", "one_liner": "AI fraud prevention and underwriting agent", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1652906962, "tags": [ "Fintech", "Real Estate", "B2B", "AI", "ML" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Max and I have known each other since we were best friends at a middle school for gifted children in the Bay Area.After a four-year stint in the Foreign Exchange trading group covering Hedge Funds at Goldman, I spent two years as the fourth employee selling software to property managers. That experience taught me that every property manager’s biggest problem in their business was leasing, and no one had solved it. I called my old friend Max, who was working on the search team at Google, and asked him for advice on solving income verification for rentals. He responded that he had spent years working on this problem in the Mortgage space for Blend (now public), and that the transformers AI revolution finally made an end-to-end solution possible.Max resigned from Google a few months later, and we were working on Two Dots. Still hard to believe the serendipity sometimes." } ], "url": "https://www.ycombinator.com/companies/two-dots", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/two-dots.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/two-dots-financial", "x_url": "https://twitter.com/TwoDotsFinance", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/06c738449ceac7bc3068c3a0510a285b6078503d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 965090, "full_name": "Henson Orser", "title": "Founder", "founder_bio": "Building Two Dots - AI fraud prevention and underwriting agent. 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Over time we plan to integrate with many data sources so payroll data can be seamlessly used to make better & faster underwriting decisions by any financial institution.\n\n### **Who We Are**\n\nI started my career working at Goldman for 4 years, before making the jump to startup-land as the 4th employee at a proptech startup, where we processed online rental applications.  Seeing up close how broken the income verification process is, and how broken the overall way underwriters decide who gets access to housing (credit scores), lead us to realize there’s a better way.\n\nMax started his career as one of the first engineers on the income verification team at Blend, spending years working on this problem before making the jump to work on search at Google.  After experiencing both the excitement of being early at a rapidly scaling startup (Blend is now public), and the mega-scale of search at Google, Max and I decided we were the team to tackle the broken consumer underwriting system.\n\n### **How You Can Help**\n\nOur biggest focus today is getting more customers, **so if you know anyone managing thousands of rental properties we would love an intro!** ", "url": "https://www.ycombinator.com/launches/Gu9-two-dots-income-employment-verification-for-lenders", "votes": 18, "created_at": "2022-07-28T21:42:54.049Z" } ] }, { "id": 26707, "name": "Chariot", "slug": "chariot-2", "former_names": [ "StreamD" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ed1abcaa2a964bf97b774958baa4648406f9c9ca.png", "website": "https://givechariot.com/", "all_locations": "New York City, NY, USA", "long_description": "Chariot is building the financial infrastructure for the $326 billion donor-advised fund (DAF) market, the fastest-growing segment of philanthropy. 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However, they are implemented by engineers who don’t fully understand them, and getting them wrong costs companies millions.\n\n## **⚙️ How It Works**\n\nWe provide a drag-and-drop interface which makes it easy to create a decision workflow from a basic building blocks. These “rule” components can read/write from data sources, do calculations, and fork data paths for different outcomes. For our customer’s tech teams, integrating a Ruleset into their systems (to display the results on their website) should be as easy as plugging in Stripe.\n\n![uploaded image](/media/?type=post&id=65156&key=user_uploads/129850/0f7339ff-c5d5-45d7-a16c-050c4bc9af9f)\n\n## ❓**Why Are We Working on This?**\n\nThe idea clicked when I was recently at Regional Finance (NYSE: RM) launching new online lending products. I experienced this problem alongside our Risk and Legal teams, where an evaluation of existing vendors didn’t find one which could quickly and easily solve our issues. Zheng and I previously worked together for two years at a Series A startup and knew we could build the right solution.\n\n## **🙏 The Ask**\n\nIf you or someone you know works in Risk, Legal, or Operations at a financial firm, or if you’ve tried other decision workflow tools and they didn’t solve your problem, shoot me an email at [logan@ruleset.ai](mailto:logan@ruleset.ai) and I’d love to discuss how we can help!", "url": "https://www.ycombinator.com/launches/Gwu-ruleset-no-code-decision-engine-for-lenders", "votes": 37, "created_at": "2022-08-05T17:12:25.250Z" } ] }, { "id": 26716, "name": "erad", "slug": "erad", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9d0ed957088f6e7aa3ae2c4441c38d0cfd8d0fe4.png", "website": "https://erad.co/", "all_locations": "Riyadh, Riyadh Province, Saudi Arabia", "long_description": "erad provides startups in the Middle East with non-dilutive growth capital. Connect your sales, marketing and banking data and receive an offer within 48 hours. Get access to key insights and analysis about your business.", "one_liner": "Non-dilutive funding and payments in the Middle East", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1653900418, "tags": [ "Fintech", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Saudi Arabia", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/erad", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/erad.json", "year_founded": 2022, "city": "Riyadh", "country": "SA", "linkedin_url": "https://www.linkedin.com/company/eradco/", "x_url": "https://twitter.com/geterad", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9d0ed957088f6e7aa3ae2c4441c38d0cfd8d0fe4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 933968, "full_name": "Salem Abu-Hammour", "title": "Founder", "founder_bio": "Previously worked in M&A and banking, after working on an online coffee store with my current co-founder, Faris. Passionate about building, investing and data.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/salem-abu-hammour-8717a6100/", "x_url": "https://twitter.com/SalemAbuHammour", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d4a976255c2e39574f98dfecdf09782080fdc50b.jpg" }, { "user_id": 996951, "full_name": "Youssef Said", "title": "Founder", "founder_bio": "CTO, in charge of tech @ erad\nLed large scale e-commerce programs in the Middle East from idea to development, after spending 10 years in tech consulting and building products as an engineer in Europe.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/youssef--said", "x_url": "https://twitter.com/yucefucef", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c24a43eee29dfa2ee21c47df6fbd0729e7e57602.jpg" }, { "user_id": 696736, "full_name": "Faris Yaghmour", "title": "Founder", "founder_bio": "Accidentally launched my first business, a coffee e-commerce store, with my current co-founder Salem, 6 years ago! Then stumbled into the Financial services world and spent 4 years learning about product and operations in retail & corporate banking. I then joined a BNPL startup before founding erad.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/farisyaghmour/", "x_url": "https://twitter.com/farisyagh1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/83c73cd4a2596307853372ba6e6a3d0e7610517b.jpg" } ], "jobs": [], "news": [ { "title": "erad raises $2.4m in Pre-Seed", "url": "https://www.erad.co/announcing-our-pre-seed-round", "date": "Sep 19, 2022" } ], "launches": [ { "id": 65346, "title": "erad - Non-dilutive funding and payments for online businesses in the Middle East", "tagline": "We’re on a mission to grow the digital economy in the Middle East 🚀 ", "body": "Hey everyone 👋 \n\nThis is [Salem](https://www.linkedin.com/in/salem-abu-hammour-8717a6100/), [Faris](https://www.linkedin.com/in/farisyaghmour/), and [Youssef](https://www.linkedin.com/in/saidyoussef/) from erad. We are excited to share with you what we are building.\n\n**🤔 The Problem**\n\nOnline businesses face a capital problem with limited funding options. Equity is dilutive and debt requires assets and collateral that most online businesses do not have.\n\n**💡 The Solution**\n\nerad provides payment processing and non-dilutive funding to online businesses in the Middle East. We underwrite these businesses by accessing their accounting, sales, payments, and marketing data. \\\nOur process involves connecting to your systems and offering you financing in 48 hours. We automate repayments by processing your online payments.\n\n![](https://lh4.googleusercontent.com/cnoTXYLdFmVyHrMEKmtnjGvyZWEYq7aE88wSJ8n52N-uHOh7BIeNn7p2LzQ9fod_Jqb6aM1oElceC_SURl5v398hT5eMCyGkVG6MWIYtpJjFDrCUY6Kre6T_qWgDqeYbFzTgMrHoK-wKFqjl5Jyvrvo)\n\n**🕑 Our Backstory**\n\nBefore launching erad, we owned an online business that we sold due to the lack of capital. We then worked in banking, M&A and built enterprise e-commerce programs in the Middle East.\n\nLooking for alternative funding sources for your online business in the Middle East - [**Talk to us!**](https://calendly.com/d/dnn-tfb-wbn/erad-demo)", "url": "https://www.ycombinator.com/launches/Gzy-erad-non-dilutive-funding-and-payments-for-online-businesses-in-the-middle-east", "votes": 19, "created_at": "2022-08-13T17:06:42.461Z" } ] }, { "id": 26719, "name": "Alterya", "slug": "alterya", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6f7e22aa96dc1d6baabade2bc3dad88a3cdc9bb8.png", "website": "https://www.alterya.dev/", "all_locations": "Tel Aviv-Yafo, Tel Aviv District, Israel", "long_description": "Alterya helps financial institutions, fintechs, and crypto service providers prevent APP fraud by detecting scams targeting their users and exploiting their platform.", "one_liner": "Protecting Humans from Scams", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1654343424, "tags": [ "Fintech", "SaaS", "Crypto / Web3", "Analytics", "API" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "Israel", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/alterya", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/alterya.json", "year_founded": 2022, "city": "Tel Aviv-Yafo", "country": "IL", "linkedin_url": "https://www.linkedin.com/company/alterya/", "x_url": "https://x.com/AlteryaIO", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6f7e22aa96dc1d6baabade2bc3dad88a3cdc9bb8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 646526, "full_name": "Elad Fouks", "title": "Founder", "founder_bio": "Cyber security group leader in 8200 unit. \nManaged cross-functional teams across R&D and intelligence personnel. \nA former senior officer in the special ops. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/elad-fouks-478a95110/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/50bd55cb78ac86812b7508a8f946b7936f9a2484.jpg" }, { "user_id": 1017622, "full_name": "Shahaf Gonen", "title": "Founder", "founder_bio": "Graduated from the Talipot Elite Program.\nLed a cybersecurity team in the 8200 unit, collaborating with R&D and intelligence teams.\nFormer Google employee.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shahaf-gonen-640998108/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/35d6415e90dbfc9ccb0bf0d85374d124d94ddc63.jpg" } ], "jobs": [], "news": [ { "title": "Blockchain Giant Chainalysis Acquires AI-Agent Startup Alterya - Business Insider", "url": "https://www.businessinsider.com/ai-agent-startup-alterya-acquired-by-chainalysis-2025-1", "date": "Jan 13, 2025" } ], "launches": [] }, { "id": 26720, "name": "TrueBiz", "slug": "truebiz", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/744ba21703836aacf20f93a8ea2eaf05fdb4ad3f.png", "website": "https://truebiz.io/", "all_locations": "Miami, FL, USA; New York, NY, USA; Remote", "long_description": "TrueBiz helps financial service providers reduce manual review during business onboarding.\r\n\r\nWe add color to the company's background with 250+ data points on the company from around the web (such as industry and address), and summarize key risk indicators.\r\n\r\nThe process takes seconds – not days, so financial service providers can efficiently meet risk requirements and onboard new businesses faster.", "one_liner": "Instant Background Checks for Businesses", "team_size": 6, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1653081454, "tags": [ "Fintech", "B2B", "Identity", "Regtech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Operations" ], "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/truebiz", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/truebiz.json", "year_founded": 2022, "city": "Miami", "country": "US", "linkedin_url": "https://www.linkedin.com/company/truebiz-inc", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/744ba21703836aacf20f93a8ea2eaf05fdb4ad3f.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": 156422, "full_name": "Danny Hakimian", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dannyhakimian", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0223b5a91a671421bd16a28972f31c5c63e6319e.jpg" } ], "jobs": [ { "id": 95567, "title": "Senior Software Engineer, Core Team", "url": "https://www.ycombinator.com/companies/truebiz/jobs/XkFCIG0-senior-software-engineer-core-team", "location": "Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$125K - $180K", "equity_range": "0.10% - 0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 104922, "title": "Head of Sales", "url": "https://www.ycombinator.com/companies/truebiz/jobs/t99tSBy-head-of-sales", "location": "US / CA / Remote (US; CA)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$175K - $225K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 104923, "title": "Growth Lead, Enterprise Outbound", "url": "https://www.ycombinator.com/companies/truebiz/jobs/4H4zIAD-growth-lead-enterprise-outbound", "location": "US / CA / Remote (US; CA)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$140K - $175K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 106783, "title": "SDR Manager, Enterprise Outbound", "url": "https://www.ycombinator.com/companies/truebiz/jobs/zM0fBqy-sdr-manager-enterprise-outbound", "location": "US / CA / Remote (US; CA)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$140K - $180K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "TrueBiz aims to help financial services providers onboard business customers faster, avoid fraud • TechCrunch", "url": "https://techcrunch.com/2023/01/31/yc-alum-truebiz-raises-2-4m-to-help-financial-services-providers-onboard-business-customers-faster-avoid-fraud/", "date": "Jan 31, 2023" } ], "launches": [ { "id": 64085, "title": "TrueBiz - Reduce Dropout During KYB", "tagline": "TrueBiz helps fintechs onboard business accounts faster by automating the processing of documents & data for KYB", "body": "# What We Do\n\nTrueBiz verifies business identity by combining the processing of company documents, together with searches in best-in-class data sources.\n\n# Who Has This Problem\n\nFinancial services companies onboarding business accounts often **revert to manual review because existing data sources can not provide a complete picture of the business.**\n\nAs a result, companies often rely on the business to provide supporting documentation — which is then manually reviewed. During the process they might review:\n\n* An Articles of Incorporation to verify business identity\n* A By Laws document to verify the shareholder structure\n* An invoice to validate the nature of the business\n\nThe back and forth to capture the correct documents can go on for weeks. **This slows down onboarding and creates a frustrating customer experience.**\n\n# How TrueBiz Solves KYB\n\nTrueBiz validates the different documents required for each step of the verification process. This is combined with searches in best-in-class data sources. This range of tools enables our clients to convert more customers, with less effort.\n\n![uploaded image](/media/?type=post&id=64085&key=user_uploads/156422/f72085b1-1265-4782-8183-a68c792b9f90)\n\nFor our clients, this results in:\n\n1. **Speed up time to activation:** we validate documents in seconds, preventing a slow back-and-forth to capture the correct paperwork. This shaves days off revenue realization.\n2. **Reduce manual review:** we help identify the \\~10% of cases that actually need further attention. You can redeploy the majority of your human analysts’ time and skill elsewhere.\n3. **Scale:** we remove friction from the onboarding process, so you can grow faster.\n\nOur process takes seconds – not days, so Financial Institutions can efficiently meet Know Your Business requirements and onboard new businesses faster.\n\n# Book a demo\n\nIf you’re a fintech looking to optimize your business onboarding process, [schedule a demo here](https://calendly.com/dannyhak/truebiz-demo?month=2022-06).", "url": "https://www.ycombinator.com/launches/Gfd-truebiz-reduce-dropout-during-kyb", "votes": 24, "created_at": "2022-06-26T23:51:25.936Z" } ] }, { "id": 26724, "name": "Coupl", "slug": "coupl", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b4973d6115fc1220d3b06c0d5b8280d217651cc1.png", "website": "https://coupl.money/", "all_locations": "Bengaluru, KA, India", "long_description": "Coupl is a digital joint account for Indian households. We help couples and families easily manage their shared and household payments from one shared account.\r\n\r\nOver 20 million Indians marry each year, creating a $300 billion market opportunity in household expenses. Couples juggle multiple accounts, cards, and expense-tracking tools. Joint accounts involve lengthy paperwork, rejections, and minimum balance requirements, making them inconvenient for modern couples. Beyond married couples, this need extends to engaged partners, live-in couples, roommates, and families seeking simpler ways to manage shared expenses.\r\n\r\nCoupl offers a digital, zero-balance joint account with co-branded debit cards and in-app bill payments, set up in just 60 seconds. Couples can use the account for all shared expenses, with an analytics dashboard to help them stay on top of their finances.\r\n\r\nCoupl is powered by RuPay, NPCI and IDFC FIRST Bank.", "one_liner": "Banking designed for Indian couples.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1659760442, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/coupl", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/coupl.json", "year_founded": 2022, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/coupl/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/coupl", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b4973d6115fc1220d3b06c0d5b8280d217651cc1.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b3df2abe96a583e926cf36673879189f640c4331.png" ], "primary_partner": null, "founders": [ { "user_id": 917079, "full_name": "Kushagra Manglik", "title": "Founder/CEO", "founder_bio": "Kushagra is the Co-Founder and CEO of Coupl. He graduated with a Bachelor's degree in Electrical Engineering from IIT Kanpur in 2019. \n\nHe was a Research Software Engineer at IBM Research for close to 2 years in their AI for Supply Chain team, building multiple production level APIs for some of the top retail companies in the lifestyle space. During his stint with IBM Research, he published multiple papers at Tier 1 Data Science conferences and has 6 patents to his name.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kushagra-manglik-906399120/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/867c39c3f919aceba379f291f7b2d20db48afffd.jpg" } ], "jobs": [], "news": [ { "title": "Coupl", "url": "https://www.forbes.com/profile/coupl/", "date": "May 30, 2024" } ], "launches": [ { "id": 76340, "title": "Coupl: India's first neobank for couples ❤️", "tagline": "We help couples easily manage their shared payments from one account.", "body": "Hi everyone!\n\nWe are Srini & Kushagra, co-founders of [Coupl](https://coupl.money)!\n\nCoupl is the easiest & fastest way for any couple to set up a joint account. Using the Coupl: Shared Banking mobile app, couples can open a joint account in under 60 seconds, with no paperwork and start managing money together.\n\n![](https://lh7-us.googleusercontent.com/xrKAKPYu3yoz_fDRCi8096hIMjB5riObQekHQmUq_SP43nRFJFw60bsgUY8xQNOtz6RpJ_QvzG9meJWUSCABLWQygq00kkN3iKFKXzZshEQKOhgvozi4uGa9eUV6p72__hrrOK3pXZ3TgYnglZCiWnQ)\n\n### 😤 **Problem**:\n\n### **Couples have evolved. Yet, the conventional joint account hasn’t kept pace.**\n\nToday, couples start managing expenses together well before tying the knot. They proactively track, split and settle shared expenses. Newlyweds are even more intentional about the way they manage home bills & shared expenses. They end up using multiple tools to manage their shared finances, such as, Splitwise, WhatsApp groups, Google Sheets or Notion.\n\n**So – why don’t people just use traditional joint accounts?** \\\n**Because they’re cumbersome to open & expensive to maintain.**\n\n* They’re only accessible to **married couples**\n* It takes **days** to open the account\n* High chances you’d have to **physically** go the bank\n* Even if you’re married, you’d need **matching** addresses/last names on your IDs\n* They come with **high minimum balance** requirements\n* They come with **zero expense management** features\n* Extremely **outdated** user interface\n\n### \n\n### **💡 Solution:**\n\n### **We fixed the joint account!**\n\nUsing the Coupl: Shared Banking app, you can set up a **zero-balance joint account in under 60 seconds**, and start managing all your shared expenses from it! We offer **two linked RuPay cards** for payments, easy **in-app utility bill payments** and a host of **budgeting & expense categorisation features** that make sense when you’re playing ‘multi-player’ finance **💍**\n\n![](https://lh7-us.googleusercontent.com/Th5KLEre8BlwMIYmvKvbKvAcjE9FAiem4qGFf-MYiC5ZJKwI-f7YCegjKM33AzOGnxUidkKsay7gGXGES2XG-05dMgyI7LXgb04etFulYT6u9EOWmD4QmERmthvJOOq-XaxnNULQ-aH98kkGuMl0HRQ)\n\n🤺 **How we compare against traditional joint accounts:**\n\n![](https://lh7-us.googleusercontent.com/xX6TRPbrReV95MrvdTaYcLP7oDwOgPvJ4WgJP1S6RbtSBetaBrG4iMnDS6XGYDyuqVMvijUlKE3yyMH5HdsiAuwGRYIK_SYN9ZqQbuuRKxyIHE02j-VONUs3S3pp6IygSKGG5Ym7UoJ57Kck-xZ1TE4)\n\n### \n\n### **🚀 Early Traction**\n\nWith over **10M weddings taking place in India each year**, and a growing consumer preference for digital payment products in India - we think we’re the right solution for a large market.\\\nSince our low-key launch in September 2023, we’ve opened **8,000 joint accounts** and processed transactions worth over **$400K**. With no advertising spend.\n\n### **👨‍💻 Meet the Team**\n\nKushagra & I founded [Coupl](https://coupl.money) in 2022.\n\nWe’re alums of **IIT Kanpur** and **BITS Pilani**, and have extensive experience in business, finance & technology – having worked at blue-chip management consulting firms and large technology companies.\n\nWe are also engaged & in a live-in relationship with our respective partners, and have spent countless hours in tracking and managing shared expenses. We soon learnt that managing money was the most cited pain-point in long term relationships. Today, our goal with Coupl is to bring the best of technology and banking to modern couples in India – to make shared payments easier.\n\n### 💜 **Want to try out Coupl?**\n\nThe Coupl: Shared Banking app is available across the App Store and Google Play. [Link to Download](https://tinyurl.com/CouplLaunchYC).\n\n**Scan to Download**\n\n![uploaded image](/media/?type=post&id=76340&key=user_uploads/980959/88baff20-45d6-4ced-8773-0602d9ad30f1)\n\nWe’re always taking feedback on how we can make Coupl even better for you.\\\nReach out to us at [hello@coupl.money](mailto:hello@coupl.money)!\n\n### 👋 **Social Connect**\n\n* [Website](https://coupl.money)\n* [LinkedIn](https://www.linkedin.com/company/coupl)\n* [Instagram](https://www.instagram.com/paywithcoupl/)\n* [Srini’s LinkedIn](https://www.linkedin.com/in/srinivas-sarkar/)\n* [Kushagra’s LinkedIn](https://www.linkedin.com/in/kushagra-manglik-906399120/)", "url": "https://www.ycombinator.com/launches/JrI-coupl-india-s-first-neobank-for-couples", "votes": 14, "created_at": "2023-11-20T15:49:15.779Z" } ] }, { "id": 26725, "name": "CODEXA", "slug": "codexa", "former_names": [ "Kapstar", "ECSA", "E C S A", "KAPSTAR TECHNOLOGIES", "ECSA" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/315e211ddda1814fa9db4077702d9dd3f91a8723.png", "website": "https://codexa.com.br", "all_locations": "Manaus, AM, Brazil", "long_description": "Our agents run tax, customs clearance, and supply chain workflows, helping companies navigate complex regulations and reduce the cost of international trade. By running these operations, Codexa becomes the natural platform for customers’ payments and foreign exchange.\r\n\r\nWe execute transactions through our own financial institution, regulated by the Central Bank of Brazil, connecting operational workflows directly to financial infrastructure. Customers approve payments, and Codexa moves the money through traditional and stablecoin rails.\r\n\r\nToday, 51 enterprise customers use our agents, and 84% have adopted our financial products. We process approximately $800M in monthly financial volume, including $160M settled through stablecoins. Our customers include Fortune 500 and Global 500 companies.", "one_liner": "The AI-native financial platform for enterprises", "team_size": 38, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1655314683, "tags": [ "Fintech", "Crypto / Web3", "Payments", "Supply Chain", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/codexa", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/codexa.json", "year_founded": 2022, "city": "Manaus", "country": "BR", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/315e211ddda1814fa9db4077702d9dd3f91a8723.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 1015898, "full_name": "Joao Victor Aguiar", "title": "Founder", "founder_bio": " ECSA Co-founder", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jo%C3%A3o-aguiar-8663b5230/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bb0d6a927ec9654cd8adaa0f87ab35c2e9986e0e.jpg" }, { "user_id": 996660, "full_name": "Rodrigo Marino", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rodrigomfogaca/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c815d0123b3891d46475d35b56ba0feb83773903.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26727, "name": "Moneco", "slug": "moneco", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f0b34817619a35bbf1da135af695c381b331b83a.png", "website": "https://moneco.app/", "all_locations": "Paris, Île-de-France, France; Remote", "long_description": "Moneco is a neobank targeting the migrant communities in Europe, starting with the African diaspora. We are making banking easier and more affordable for underserved communities, starting with a current account, a payment card and free remittances. The long term vision is to turn Moneco into a one-stop-shop where all of their financial needs will be addressed. ", "one_liner": "Neobank for African migrants in Europe", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1657033408, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "France", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/moneco", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/moneco.json", "year_founded": 2022, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/monecohq/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f0b34817619a35bbf1da135af695c381b331b83a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 932567, "full_name": "Shams Radjabaly", "title": "Founder", "founder_bio": "Born and raised in Madagascar, educated in France, lived in Singapore and the US, worked in Morocco, I thrive in an international setting.\nI have worked in the financial markets and in management consulting, and want to make the best use of my experiences to build an outstanding banking product for the African diaspora.\nApart from that, I am passionate about food (both cooking and eating it !)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shams-radjabaly/", "x_url": "https://twitter.com/shamsradja", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/82c4b28958d0131c95ee2fea5920c165221bbb3c.jpg" }, { "user_id": 1028544, "full_name": "Bilal Dahlab", "title": "Founder", "founder_bio": "My name is Bilal Dahlab, I have a multicultural background (Algeria, England, Italia) and grew up in a popular neighborhood in Geneva. \n\nI have a business profile with some knowledge in technology, gathered some experience in strategic consulting, finance, energy and blockchain. Today, my goal is to financially serve African communities in Europe, and then in Africa where we have bigger challenges!\n\nI spend most of my freetime with my friends, I like rap/hip-hop, football (soccer) and boxing. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bilal-dahlab-3a98a243/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d87776b24d74caed99c9a67e7d296b19190d3e30.jpg" }, { "user_id": 1030365, "full_name": "Kuassi Jimmy Kumako", "title": "Founder", "founder_bio": "I’m Jimmy, I was born in Benin, grew up in several countries across West Africa. I’ve worked with some great startups like Paystack, co-founded some (CoinAfrique…) and also with larger institutions such as IFC. \nMy main focus is to build products to solve some of the most challenging issues African communities are facing in and beyond Africa\n", "is_active": true, "linkedin_url": "http://linkedin.com/in/jkumako", "x_url": "https://twitter.com/KuassiKumako", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/68a3a074e3696c1e7d512296996d8c87216d6e55.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26743, "name": "EthosX", "slug": "ethosx", "former_names": [ "Ethos" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/996567c41c2cfe38cba0451d132a3ac62a13e9ec.png", "website": "https://www.ethosx.finance/", "all_locations": "Claymont, DE, USA; Bengaluru, KA, India; Mumbai, MH, India; Remote", "long_description": "EthosX is a decentralized finance platform creating end-to-end financial derivatives on blockchains. No centralized exchanges, clearinghouses, depositories, clearing banks, CSD participants etc. required.\r\n\r\nWe are starting with cryptocurrency options first, with the intention to move towards other crypto derivatives and traditional finance derivatives eventually.\r\n\r\nFor example, one can buy a bitcoin hedging token directly from EthosX without involving any exchange or counterparty and earn profits when the bitcoin price is falling (similar to a put option). It is perpetual and is completely on-chain, end-to-end. It is held as a token in wallets and can be sold/transferred to anyone at any time.\r\n\r\nAt institutional level, using EthosX’s options infrastructure two hedge funds can trade high-value on-chain options with each other directly without involving any banks or brokers with zero counterparty risk and zero settlement risk.\r\n\r\nWe are also providing derivatives infrastructure to other crypto companies who want to use these products as a part of a larger package to their customers.\r\n\r\nGlobal derivatives ecosystem is broken. Derivatives trading in traditional finance has way too many gatekeepers and intermediaries. Crypto was supposed to be free of these issues and a solution to all of this, but it is itself getting more and more centralized with disastrous consequences.\r\n\r\nWe at EthosX intend to pick the best of both worlds and change the way retail and institutional financial derivatives are traded world over.", "one_liner": "The protocol for derivatives on blockchains", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657620541, "tags": [ "DeFi", "Fintech", "Crypto / Web3", "Consumer", "B2B" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "India", "America / Canada", "South Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ethosx", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/ethosx.json", "year_founded": 2022, "city": "Claymont", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ethosx/", "x_url": "https://twitter.com/ethosx_finance", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/996567c41c2cfe38cba0451d132a3ac62a13e9ec.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 626077, "full_name": "Deepanshu .", "title": "Founder", "founder_bio": "Deepanshu is Co-founder and CEO of EthosX. He has been a quantitative finance professional for over 8 years. He is very passionate about using the blockchain technology generally and cryptocurrencies specifically to solve real world problems, especially problems related to financial markets. He was Vice President of Quantitative Research in the Global Derivatives Clearing business at JP Morgan Chase before EthosX . He studied engineering at IIT Kharagpur and obtained his MBA from IIM Calcutta.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/deepanshu1/", "x_url": "https://twitter.com/deepanshuiitkgp", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a46bbc8657e6b1f6d4db85c4c6f2938b998912a2.jpg" }, { "user_id": 1010765, "full_name": "Smit Patoliya", "title": "Founder", "founder_bio": "Smit did B.Tech. in Chemical Engineering from IIT Madras. He has worked in quantitative finance most of his career and has keen interest in financial derivatives. At EthosX, he aims to build end-to-end derivatives solutions on blockchain.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/smit-patoliya", "x_url": "https://twitter.com/Smit_Patoliya", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/241179272bc4cbb33dde06052094b1df00b1f51a.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 65269, "title": "EthosX: Decentralized finance platform for crypto & traditional derivatives", "tagline": "We make it unbelievably easy for financial institutions to trade derivatives and manage financial risk", "body": "Hi all, we are [Smit](https://www.linkedin.com/in/smit-patoliya/) & [Deepanshu](https://www.linkedin.com/in/deepanshu1/) and we are super stoked to announce EthosX!\n\n### \n\n### 🚀TL;DR\n\n \n\nEthosX makes it easy for crypto companies and financial institutions to sell on-chain derivatives to their customers and trade with each other. For example, using EthosX’s options infrastructure two hedge funds can trade high-value on-chain options with each other directly without involving any banks or brokers with zero counterparty risk and zero settlement risk.\n\n \n\n### ❓Problem\n\n \n\n**Global derivatives ecosystem is broken.** Derivatives trading in traditional finance has way too many gatekeepers and intermediaries. This leads to inefficiencies and things falling apart every other day. As insiders, we have seen how much everything hangs by a thread. With **USD 600 Trillion dollars (notional value) at stake**, one would expect things to be better, but they aren’t.\n\nCrypto was supposed to be free of these issues and a solution to all of this, but it is itself getting more and more centralized with disastrous consequences, as was clearly evident in the last few months. With every other crypto exchange/bank running away with user’s funds, one can hardly blame the users/traders/investors if they don’t trust centralized entities for complex products like derivatives.\n\n### 🎯Solution\n\n \n\nWe are bringing the entire derivative trading lifecycle on blockchains end-to-end (trading, clearing and settlement).\n\nInstitutions can trade directly with each other on-chain via smart contracts created by us without involving any banks, brokers or exchanges. These trades have zero counterparty risk as the net payoffs are locked in the code. The settlement of these derivatives is automatic and done with the help of on-chain oracles and therefore the settlement risk is also zero. \n\nWe are also adding a Request-For-Quote system which will help bring more liquidity to these trades.\n\nNow, due to regulatory and technical reasons, this cannot be done yet for traditional finance derivatives, so we are starting with cryptocurrency derivatives first and will eventually go towards traditional finance as well.\n\nWe are providing derivatives infrastructure to other crypto companies as well who want to use these products as a part of a larger package to their customers. E.g. DeFi lending protocols can offer liquidation protection to their borrowers using our solutions.\n\nWe have also created perpetual options which are live (testnet) on our website and can be traded by retail traders and institutions alike. The instructions to trade them are [here](https://youtube.com/playlist?list=PL7wovngMr1uo6ZpBB_1fSluC1bLJnq5DK). \n\n \n\n### 📒Backstory\n\nTogether we have spent nearly 15 years in quantitative finance and have seen, very closely, all the points where the derivatives ecosystem falls apart. Deepanshu was a Vice President at the Quantitative Research team of JP Morgan Chase and Smit was working at a quantitative hedge fund trading options before they came together again for EthosX. **It is kind of an open secret that blockchain tech can potentially eliminate many of the issues in derivatives life-cycle which have persisted for years/decades.**\n\n ‘\n\n# 💁How can you help\n\n \n\n1. If you are at a financial institution and want to understand how large derivative trades can be done on-chain with no settlement risk and zero counterparty risk, please reach out to us at [contact@ethosx.xyz](mailto:contact@ethosx.xyz) or directly [message us on Linkedin](https://www.linkedin.com/in/deepanshu1/)\n2. If you are at a crypto company/protocol and need to use crypto derivatives for hedging your treasury or offering some price-volatility-protection to your customers, we will be happy to help! ([email](http://contact@ethosx.xyz) / [Linkedin](https://www.linkedin.com/in/deepanshu1/))\n3. If you are a trader, please try out our (testnet) perpetual options at [www.ethosx.xyz](http://www.ethosx.xyz) (metamask required)", "url": "https://www.ycombinator.com/launches/Gyj-ethosx-decentralized-finance-platform-for-crypto-traditional-derivatives", "votes": 207, "created_at": "2022-08-10T14:31:41.732Z" } ] }, { "id": 26752, "name": "Delegasi", "slug": "delegasi", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/401f1712c75af775727056181128d235a71bb8e5.png", "website": "https://delegasi.co/", "all_locations": "Bandung, West Java, Indonesia", "long_description": "Financial statements are definitely a hassle for business owners. Many accounting software are available, yet not everyone has the capability to operate them.\r\n\r\nAmidst this problem, Delegasi dares to provide a solution. As the first virtual financial manager in Indonesia, we assist SMB owners in putting together their financial statements and business analysis. By simply uploading receipts and bank statements, owners will receive their financial statements and business analyses with guaranteed accuracy, allowing them to make well informed financial decisions.", "one_liner": "Automated accounting service for small businesses in Indonesia", "team_size": 8, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1659248138, "tags": [ "Fintech", "SaaS", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/delegasi", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/delegasi.json", "year_founded": 2022, "city": "Bandung", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/delegasi/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/401f1712c75af775727056181128d235a71bb8e5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/c77a8acc3810d5c8dad14bd276b8bc750f1b356a.png" ], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 950917, "full_name": "Okky Pratama", "title": "Founder", "founder_bio": "Okky has an MBA from MIT, and he was Senior VP of Business & Operations for Modal Rakyat (Fazz Financial Group) before starting Delegasi. He is passionate about finance and analytics, he even reads financial statements as a hobby.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/yudha-okky-pratama-84217331/", "x_url": "https://twitter.com/okky_pratama", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f416946e36f2f2d51e9270dd359326d654bd20c0.jpg" }, { "user_id": 857522, "full_name": "Ans Syuhada", "title": "Founder", "founder_bio": "Anshorimuslim (Ans) is technology and social cause enthusiast. Ans has wide range experiences from product development to data intensive system and leadership role. He also actives to nurture tech community and giving talks. His recent deck and writings can be seen on https://speakerdeck.com/ans4175 - https://ans4175.dev/\n\nHe is on quest helping Food and Beverages Industries understand their Finance Statement better for scaling their company better. Business Intelligence for everyone.", "is_active": false, "linkedin_url": "https://linkedin.com/in/anshorimuslim", "x_url": "https://twitter.com/ans4175", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/20fbfe86d77240a5e5987586097951795f9cc65c.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 65034, "title": "Delegasi - The first automated accounting service for Small Businesses in Indonesia", "tagline": "An automated accounting service that connects to your POS data for small businesses in Indonesia, starting with restaurants and cafes.", "body": "👋 Hi we are Okky and Ans, founders of Delegasi.\n\nWe assist small business owners in putting together their financial statements and analysis automatically. To generate the financial statements, business owners can simply connect their POS and upload their receipts.\n\n—\n\n## ❓ The Problem\n\nAccounting is always a hassle for small business owners. As they need to handle lots of things (marketing, operations, purchasing, etc.), finding time for accounting is too hard. Not to mention, they need to learn accounting to do it properly.\n\nMany accounting software have claimed to help make the process faster and easier, yet many business owners we spoke with stop using them in the first 1-2 months, even after paying a one year subscription fee. Turns out, these software are still too complicated for users without accounting knowledge.\n\n## ✅ **Our Solution**\n\nIf you are a restaurant owner, you can simply:\n\n1. Connect your POS and food delivery service data;\n2. Upload your receipts, bank statements, and stock opname data; and\n3. Your financial statements and analysis are ready\n\nWith Delegasi, no manual input nor accounting knowledge are needed to generate your financial report. Additionally, you will get financial analysis that is catered to restaurants and cafes’ owners.\n\n![uploaded image](/media/?type=post&id=65034&key=user_uploads/857522/d23ceef6-9399-4cc0-a253-0f93f3316faa)\n\nSeveral analysis that we provide\n\n![uploaded image](/media/?type=post&id=65034&key=user_uploads/857522/0f1fe63a-03c0-4ba8-b9b3-33faa52fb34a)\n\n![uploaded image](/media/?type=post&id=65034&key=user_uploads/857522/5533c32f-d4f2-41b7-a3aa-4bb3ce4d6294)\n\n### 🗒️ **Founders Backstory**\n\nWe have known each other for more than twelve years since college. In early 2021 we started to try finding solution for restaurant and cafe owners around staff hiring problems. Turned out, every businesses that we pitched always mentioned accounting as one of their most painful problems. Thus, we took major pivot and tried to find solution on this one. We helped our friends’ businesses and crafted our first products. After experimenting for a few months, we received positive feedback and realized that this could become huge 📈. That was how we started Delegasi 🚀\n\n### 🌐 **Visit Us**\n\nVisit our website (in Bahasa) at and our Instagram account 🙏🙏\n\n---", "url": "https://www.ycombinator.com/launches/Guw-delegasi-the-first-automated-accounting-service-for-small-businesses-in-indonesia", "votes": 21, "created_at": "2022-08-01T01:49:17.694Z" } ] }, { "id": 26754, "name": "Novig", "slug": "novig", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/70b63d7ab273fdb7b71b48db89fe1042c817e72b.png", "website": "https://www.novig.com", "all_locations": "New York City, NY, USA", "long_description": "Novig is building America's #1 sports prediction market. Founded by Jacob Fortinsky and Kelechi Ukah, we are the only platform to offer commission-free sports trading. We deliver better pricing, full transparency, and a more efficient market structure for users by eliminating the traditional sportsbook model.\r\n\r\nBacked by the best - Novig has raised over $100M from some of Silicon Valley’s top investors including Pantera, Forerunner, Lux, NFX, Paul Graham, and Joe Montana.", "one_liner": "America's #1 Sports Trading App", "team_size": 55, "industry": "Consumer", "subindustry": "Consumer -> Gaming", "launched_at": 1655052377, "tags": [ "Fintech", "Marketplace", "Sports Tech", "Gaming" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Consumer", "Gaming" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/novig", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/novig.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/novig/", "x_url": "https://twitter.com/novig_app", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/novig", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/70b63d7ab273fdb7b71b48db89fe1042c817e72b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 732902, "full_name": "Jacob Fortinsky", "title": "Founder", "founder_bio": "Jacob is the founder and CEO of Novig. He has experience in investment banking, legislative research, and financial trading. Jacob’s also been a sharp sports bettor for years, and after getting banned from sportsbooks for being profitable and growing frustrated by the inefficiency and discrimination that plague the industry, he set out to build a public betting exchange. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jfortinsky/", "x_url": "https://twitter.com/j__fort", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2c65694197a802a662e9c9e2ba50657a79389704.jpg" }, { "user_id": 1011519, "full_name": "Kelechi Ukah", "title": "Founder", "founder_bio": "Co-founder & CTO @ Novig", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kelechi-ukah-692016164/", "x_url": "https://twitter.com/kelechisms", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/db9467627ab6363b10a0b28eb5d8286c104f519c.jpg" } ], "jobs": [ { "id": 103181, "title": "Finance Operations Associate", "url": "https://www.ycombinator.com/companies/novig/jobs/20X3bhT-finance-operations-associate", "location": "New York", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$110K - $140K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103184, "title": "Customer Experience Specialist (Seasonal)", "url": "https://www.ycombinator.com/companies/novig/jobs/NvctH8d-customer-experience-specialist-seasonal", "location": "Remote (US)", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$25 / hourly", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103189, "title": "Performance Marketing Manager, Display & CTV", "url": "https://www.ycombinator.com/companies/novig/jobs/ICJ61EE-performance-marketing-manager-display-ctv", "location": "New York", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$100K - $130K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103191, "title": "Head of Social", "url": "https://www.ycombinator.com/companies/novig/jobs/uOnh2Mx-head-of-social", "location": "New York", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$150K - $180K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103865, "title": "Fraud Specialist", "url": "https://www.ycombinator.com/companies/novig/jobs/WbhKAxy-fraud-specialist", "location": "New York / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$65K - $75K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 105218, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/novig/jobs/6Yz2mwr-software-engineer", "location": "New York", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $260K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 108056, "title": "Chief Fan Officer", "url": "https://www.ycombinator.com/companies/novig/jobs/pu0lTV3-chief-fan-officer", "location": "Remote / Remote (US)", "type": "Contract", "role": "Operations", "role_type": null, "salary_range": "$100K - $300K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 108954, "title": "Lead Brand Designer", "url": "https://www.ycombinator.com/companies/novig/jobs/SsBCXzB-lead-brand-designer", "location": "New York", "type": "Full-time", "role": "Design", "role_type": "Web design", "salary_range": "$160K - $200K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 111562, "title": "IT Specialist", "url": "https://www.ycombinator.com/companies/novig/jobs/VgsiigL-it-specialist", "location": "New York", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$70K - $90K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 112183, "title": "People Operations Manager", "url": "https://www.ycombinator.com/companies/novig/jobs/6jPM9Ss-people-operations-manager", "location": "New York", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$110K - $140K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112184, "title": "Affiliate GTM Lead", "url": "https://www.ycombinator.com/companies/novig/jobs/YCHa0Gg-affiliate-gtm-lead", "location": "New York", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$130K - $160K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112247, "title": "Growth Operations Coordinator", "url": "https://www.ycombinator.com/companies/novig/jobs/idElHHw-growth-operations-coordinator", "location": "New York", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$70K - $90K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 115420, "title": "Senior Backend Engineer, Core Trading Systems", "url": "https://www.ycombinator.com/companies/novig/jobs/yphw6hx-senior-backend-engineer-core-trading-systems", "location": "New York", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $260K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 117034, "title": "Product Data Analyst", "url": "https://www.ycombinator.com/companies/novig/jobs/DrO2CKk-product-data-analyst", "location": "New York", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$130K - $180K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Novig wins CFTC approval as competition intensifies in sports prediction markets", "url": "https://www.cnbc.com/2026/06/16/novig-wins-cftc-approval-as-competition-intensifies-in-sports-prediction-markets.html", "date": "Jun 16, 2026" }, { "title": "Novig Becomes Fastest Growing Sports Prediction Market; Raises $18M Series A", "url": "https://www.novig.us/articles/novig-becomes-fastest-growing-sports-prediction-market-raises-18m-series-a-round-led-by-forerunner", "date": "Aug 11, 2025" }, { "title": "Joe Montana, VC Funds Participate In Sports Betting Exchange Novig’s Seed Round", "url": "https://www.forbes.com/sites/timcasey/2023/08/22/joe-montana-vc-funds-participate-in-sports-betting-exchange-novigs-64-million-seed-round/", "date": "Aug 22, 2023" }, { "title": "Novig receives Y Combinator investment to catapult US sports betting ambitions", "url": "https://sbcamericas.com/2022/06/23/novig-receives-y-combinator-investment-to-catapult-us-sports-betting-ambitions/", "date": "Oct 19, 2022" }, { "title": "JACOB FORTINSKY: REMOVING THE VIG", "url": "https://issuu.com/sbc.global/docs/sbc_leaders_magazine_issue_21/42", "date": "Jun 28, 2022" } ], "launches": [] }, { "id": 26755, "name": "Sunlight", "slug": "sunlight", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/31758f22583088dc4bc585ae2c372fbd95e94ea0.png", "website": "https://www.sunlightapi.com/", "all_locations": "New York City, NY, USA", "long_description": "Sunlight moves B2B payment volume onto card without asking a single supplier to onboard. Our AI agents determine where a bill can be paid by card without a surcharge, then execute that payment through the vendor's own billing or AR portal, returning a confirmed status, receipt, and structured remittance data through a single API.\r\n\r\nFor decades, moving invoice spend onto card meant building a rail or signing suppliers up one at a time. Both are slow, and both leave most of the volume behind. Sunlight takes a different path. Because our agents pay through the portals suppliers already use, the network reaches every supplier without any of them having to join it.\r\n\r\nAP platforms and bank card programs issue their own cards, send them to us, and capture the interchange on volume that would otherwise have defaulted to ACH or check. We are the AI infrastructure layer that makes that volume reachable.", "one_liner": "The intelligence and execution layer for agentic B2B card payments.", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1655927638, "tags": [ "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/sunlight", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/sunlight.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/31758f22583088dc4bc585ae2c372fbd95e94ea0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1011212, "full_name": "Guy Ziv", "title": "Founder", "founder_bio": "Guy Ziv is the Co-Founder and CEO of Sunlight, a seasoned business executive, and entrepreneur with a wealth of experience in introducing disruptive technologies to medium and large financial institutions worldwide. With a robust background in product delivery, sales strategy, and execution, Guy has a track record of successfully forming dozens of strategic partnerships and delivering innovative solutions in the ever-evolving realm of financial technology.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gyziv/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c49dd8bc0702a87f80cbb6331634982b6af24730.jpg" }, { "user_id": 982039, "full_name": "Leo Chanea", "title": "Founder", "founder_bio": "Product executive, entrepreneur & community expert with a versatile experience in building sticky products. Ex-Moovit (acquired by Intel)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/leo-chanea-12545a40/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/28249bc497dcd3feb417fef1d8ca76af8717c82b.jpg" }, { "user_id": 1012285, "full_name": "Gil Peretz", "title": "Founder", "founder_bio": "Gil Peretz is an experienced and passionate entrepreneur in the tech space. With a background in R&D, he has held positions such as Group Manager at Moovit, and has a wealth of experience in building high performance systems serving 1B+ users. His expertise spans from integrating systems, data scraping, and modeling on a large scale.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gil-peretz-25404031/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/32ba083e8ed95a9680b22f5087e897c963f4ab84.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 64261, "title": "Sunlight🔆- The Universal Card-on-File API", "tagline": "Meet Sunlight, the API to change the card-on-file with apps and subscription services.", "body": "Guy, Gil and I are thrilled to introduce [Sunlight](https://www.sunlightapi.com/) to help Fintechs automatically make their cards top-of-wallet immediately after they're issued! \\\n\\\n**Card-on-file is the digital commerce growth engine:**\n\n82% of consumers use digital payments. Merchants, service providers and subscriptions-based businesses everywhere now offer their customers the ability to save a debit/credit card on file, so they can pay their bills on time, buy in one click, or earn rewards. And globally, 79% of consumers currently have saved a card on file or are open to doing so.\n\n\\\n**The Problem:**\n\nIn recent years, card-issuing-as-a-service has made it easy for any company to start their own card business, leading to an all-time high in the number of cards issued in 2021. For users, however, switching banks or opening a new credit card account comes with an additional hurdle: they need to update their payment info across multiple services. And on the other side of the equation, financial institutions that are issuing those cards are struggling to get their users to switch their spend from their old card to the new one. FIs have a very low conversion rate because they have no visibility and no control over the card-on-file updating process.\n\n**The Solution:**\n\nWith our universal get-your-card-on-file API, FIs can offer their users at any point in their journey a quick and easy way to update their debit/credit card info everywhere they shop or pay online, without ever leaving their Apps. The Sunlight API works on every platform that has a card-on-file option (think Uber, Amazon, Netflix, DoorDash, Starbucks and so many more…), is as seamless as a Plaid connection, and always gets the card number right and CVV code on the first try!\n\n\\\n**Our Ask**\n\nIf you’re offering cards to your users and want to increase the usage of those cards to generate more revenue, email [founders@sunlightapi.com](https://mailto:founders@sunlightapi.com) to skip the waiting list and start using our API!\\\n\\\nCheck out our website: [sunlightapi.com](https://www.sunlightapi.com/)\n\n🚀☀️", "url": "https://www.ycombinator.com/launches/GiT-sunlight-the-universal-card-on-file-api", "votes": 98, "created_at": "2022-07-01T13:10:07.642Z" } ] }, { "id": 26764, "name": "Tranch", "slug": "tranch", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d8b861c2c1bab1a070d8a629f1ffa13248ae51a6.png", "website": "https://tranch.com", "all_locations": "London, England, United Kingdom", "long_description": "Tranch is the invoice to payments platform for enterprises who want to optimize cash flow by offering their business clients an unparalleled payment experience.\r\n\r\nBased out of New York City and London we enable Services firms, software and marketplaces to be paid faster via our automated invoice to payment solutions. Our frictionless payment methods include Pay Now via FedNow, Pay by Card, Pay by Crypto and Pay Later from 2 to 12 months up to $1M.\r\n\r\nFind out more about how we simplify and accelerate accounts receivables for enterprises with the most innovative workflows and payment solutions at www.tranch.com.\r\n\r\nTranch is backed by leading investors including: Global Founders Capital, TracVC, UpHonest Capital, Soma Capital, FoundersX and Y Combinator.", "one_liner": "Tranch is the invoice to payments platform for enterprises.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1652970732, "tags": [ "Fintech", "SaaS" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tranch", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/tranch.json", "year_founded": 2021, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/tranch", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tranch", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d8b861c2c1bab1a070d8a629f1ffa13248ae51a6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 1011313, "full_name": "Philip Kelvin", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/philipkelvin", "x_url": "https://twitter.com/PKelvin7", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ad5d938309704bef472c5b4ef35a656a1da8346a.jpg" }, { "user_id": 1014990, "full_name": "Beau Allison", "title": "Founder", "founder_bio": "CTO and Co-Founder of Tranch (YC S22)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/beauallison/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/63e888d326451cd91ec23f3a0fcc0b4924892518.jpg" } ], "jobs": [], "news": [ { "title": "Elite Acquires Tranch to Streamline Payments for Law Practices", "url": "https://www.pymnts.com/acquisitions/2025/elite-acquires-tranch-to-streamline-payments-for-law-practices/", "date": "Jan 06, 2025" }, { "title": "Breef Adds Payment Infrastructure to B2B Marketplace for Agencies", "url": "https://www.pymnts.com/news/b2b-payments/2023/breef-adds-payment-infrastructure-to-b2b-marketplace-for-agencies/", "date": "Jun 05, 2023" }, { "title": "The 10 fastest growing startups in the UK | Sifted", "url": "https://sifted.eu/articles/10-fastest-growing-startups-uk", "date": "May 28, 2023" }, { "title": "B2B BNPL platform Tranch raises $100 million in debt and equity", "url": "https://www.finextra.com/newsarticle/41656/b2b-bnpl-platform-tranch-raises-100-million-in-debt-and-equity", "date": "Jan 24, 2023" }, { "title": "Tranch Offers BNPL for Goodwin Law Firm | PYMNTS.com", "url": "https://www.pymnts.com/news/b2b-payments/2022/tranch-offers-bnpl-for-law-firm-goodwin/", "date": "Nov 29, 2022" } ], "launches": [ { "id": 64690, "title": "tranch - B2B Buy Now, Pay Later for Software and Services", "tagline": "Embedded payment flexibility from $10k - $250k for SaaS and Services", "body": "Tranch enables SaaS and Service providers to get paid upfront while offering their customers payment flexibility. Customers can spread invoices from $10k to $250k over 3 to 12 months.\\\n\\\n[tranch.com - launch video](https://www.youtube.com/watch?v=NKPApUN5HAI)\n\n## As startup execs, we dreaded large invoices\n\nPhilip’s time as a scale up CFO taught us\n\n1. Payment options are inflexible for crucial SaaS tools and professional services.\n2. Monthly repayments required lengthy negotiation and often a 20%+ premium.\n3. Large invoices are usually offline, email based journeys.\n\n## Payment options for the big stuff suck\n\n1. SaaS companies want recurring revenue upfront and Services have limited cash flow to defer payments. Customers want to spread large invoices. It’s always a negotiation.\n2. SaaS companies & Services can’t offer credit (risk, regulation, etc).\n3. Credit cards don’t work for larger items:\\\n \\- SaaS companies and Services won’t accept them due to high fees\\\n \\- They provide only short term improvement to a buyer’s cashflow\n\n## Collect revenue now & offer flexibility to your customers\n\n1. Using a Pay with tranch checkout, businesses can offer flexible terms for SaaS tools & Services - up to $250k - over 3 to 12 months.\n2. Businesses can use their tranch account to fund other large invoices with other suppliers (even those not on our platform).\n3. We handle the complexity: underwriting, payments, collections and regulatory obligations.\n\n![uploaded image](/media/?type=post&id=64690&key=user_uploads/1014990/890855b0-bf16-4d83-8d03-6a153f966827)\n\nYou increase your revenue, reduce churn and collect payment upfront.\\\n\\\nWe’ve now expanded to the US - sign up at [tranch.com](http://tranch.com) and see what you could Pay with tranch.\n\nWant to offer Pay with tranch to your customers? No code required - sign up at [tranch.com/suppliers](http://tranch.com/suppliers)", "url": "https://www.ycombinator.com/launches/GpO-tranch-b2b-buy-now-pay-later-for-software-and-services", "votes": 39, "created_at": "2022-07-18T06:27:57.826Z" } ] }, { "id": 26770, "name": "Bridgecard", "slug": "bridgecard", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c5e1b47cd7ecdbae56cbc14240cd9bee1aa76d22.png", "website": "https://bridgecard.cards", "all_locations": "Lagos, LA, Nigeria", "long_description": "Bridgecard makes it easy for fintechs to issue MasterCard or Visa cards that work anywhere in the world. We provide easy-to-integrate APIs to issue virtual and physical cards and we can get you started in weeks instead of months.\r\n\r\nFor nearly three years, we’ve supported Africa’s top startups with stable, high-growth card solutions. Thanks to our stability, over 50% of our clients have grown their volumes by more than 5X within 6 months. Our commitment is to deliver great cards that work, provide reliable support, and unbeatable uptime so that your users can be satisfied.", "one_liner": "Card issuer for Africa", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1660576632, "tags": [ "Banking as a Service", "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bridgecard", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/bridgecard.json", "year_founded": 2021, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/mybridgecard/?viewAsMember=true", "x_url": "https://twitter.com/mybridgecard", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/bridgecard-82df", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c5e1b47cd7ecdbae56cbc14240cd9bee1aa76d22.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1003803, "full_name": "Tunde Adewole", "title": "Founder", "founder_bio": "Building Awaithumans, the infrastructure that lets AI agents hand off tasks to humans or other agents with a single function call.\n\nI previously scaled Bridgecard (YC S22) to over $1M ARR before exiting. I love machine learning, recently trained an embedding model (SearchMap Preview) to outrank Gemini on the MTEB leaderboard with 5k+ downloads on Hugging Face.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/tunde-adewole-b223729a/", "x_url": "https://twitter.com/llm_money", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/81fe989052c10ab9182c83716fc711b7eca0582c.jpg" }, { "user_id": 1008256, "full_name": "Festus Owumi", "title": "Founder", "founder_bio": "Festus is a Senior Software Engineer with experiences ranging from Mobile, Machine Learning and Backend Development. He has 5 years experience with companies offering financial services in Africa including TradeDepot, Kippa e.t.c. 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Local banks in Africa haven’t been able to support international transactions on the local currency cards.\n\nI traveled to the US for the first time 2 months ago and almost got stranded at the airport because I found out that Uber in SanFrancisco does not accept cash and my local bank card didn’t work. I was able to hack together a card, add it to the app, and Uber down to my location.\n\n**Our Solution 💳:**\n\n[Bridgecard](https://issuecards.bridgecard.co) makes it easy for any fintech company to issue their customers a card that will carry a MasterCard or Visa logo and work anywhere in the world.\n\nWe provide easy-to-integrate APIs to issue virtual and physical cards and we can get you started in 5 days or less.\n\nMy co-founder and I got into YC to build something different but our previous card issuer stopped supporting over 20 other companies and us in Nigeria alone so we couldn’t keep our product in the market.\n\nWe woke up one morning and decided to be the card issuer ourselves.\n\n**Ask 🤝:**\n\nIf you’re building a fintech product and you need to issue cards in Africa, check out [Bridgecard](https://issuecards.bridgecard.co) or send me a mail at [tunde@bridgecard.co](mailto:tunde@bridgecard.co).\n\nWe’ll be glad to work with you.", "url": "https://www.ycombinator.com/launches/H0h-bridgecard-the-card-issuer-for-africa", "votes": 28, "created_at": "2022-08-16T07:56:19.887Z" } ] }, { "id": 26778, "name": "Blee", "slug": "blee", "former_names": [ "inReal" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b50abb1455badd5a7f2f1bbd879bfd105b4cf71a.png", "website": "https://www.blee.com", "all_locations": "New York City, NY, USA", "long_description": "Blee easily integrates across the content creation workflow, combining instant feedback and faster approvals with scalable review and recordkeeping. 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Scrappy jersey kid made good. Rutgers history major -> Chicago Booth MBA -> worked all over Africa & Asia for 3 years -> startup finance leader -> raised $124m from Accel/Bessemer/Kleiner/YC/more -> started Cashboard in Spring '22. Son of a writer.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jrowl/", "x_url": "https://twitter.com/Julian_Rowlands", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5b0cdf28c657f42973c3252401f5a5db43700e7f.jpg" } ], "jobs": [], "news": [ { "title": "Announcing Cashboard's $1.5m pre-seed funding round! ", "url": "https://www.linkedin.com/pulse/announcing-cashboards-15m-pre-seed-funding-round-cashboardhq/?trackingId=ZCs1R1MgOpOO7FcHoQLIow%3D%3D", "date": "Jul 19, 2022" } ], "launches": [] }, { "id": 26794, "name": "Capix", "slug": "capix", "former_names": [ "Supercool", "Blockfy", "Kubefy", "CapixAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2790b307969e113fe655dd576fbc316e90c13310.png", "website": "http://capix.ai/", "all_locations": "New York City, NY, USA", "long_description": "Capix makes finding private equity firms fast and accurate by aggregating and enriching data from multiple sources into one customizable platform.", "one_liner": "AI-powered private equity intelligence.", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1659418447, "tags": [ "Fintech", "Finance", "Sales Enablement" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/capix", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/capix.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/capixai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2790b307969e113fe655dd576fbc316e90c13310.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 1006562, "full_name": "Bruno Jacob", "title": "Founder", "founder_bio": "Co-Founder of Capix. We automate deal sourcing for IB and PE", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bruno-jacob-40b6a9192/", "x_url": "https://twitter.com/bruno_supercool", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cce091e9255dd488d7632691a5add9e822228766.jpg" } ], "jobs": [ { "id": 78172, "title": "Social Media & Growth Intern", "url": "https://www.ycombinator.com/companies/capix/jobs/N7aREz2-social-media-growth-intern", "location": "New York, NY, US / Remote (US)", "type": "Internship", "role": "Marketing", "role_type": null, "salary_range": "$22 - $40 / hourly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] }, { "id": 82289, "title": "Founding Senior Full Stack Software Engineer", "url": "https://www.ycombinator.com/companies/capix/jobs/cC4joeg-founding-senior-full-stack-software-engineer", "location": "New York, NY, US / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $260K", "equity_range": "0.50% - 5.00%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [] }, { "id": 26795, "name": "Gullak Money", "slug": "gullak-money", "former_names": [ "Gullak (Piggy Bank is known as Gullak in Hindi)", "Gullak" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/02dc5ca39f0b84d551575438e1537fbaa5ba8983.png", "website": "https://gullak.money", "all_locations": "Bengaluru, KA, India", "long_description": "Gullak is a mobile app that automates savings & invests these in Gold. We launched in India 60 days ago and have grown from 0 to 40k transacting users and hit a monthly GTV of $280K already. We are growing 25% week on week.\r\n\r\nIndia is a nation of savers but the way the majority of India saves is non-smart & does not create wealth. There are 200 Mn Indians who save manually in bank deposits, the returns from these instruments do not even beat India's inflation. \r\n\r\nGold is an instrument that India loves - 30Bn worth gold is purchased in India every year by middle income households. Gold has great cultural significance in India & there is high familiarity with the asset class. Despite gold being a familiar asset class & giving 5% higher returns than bank deposits, 200 Mn Indians still save manually in these non wealth creating bank deposits. This is largely because the ways to save in Gold required painful discrete activities such as manually accumulating money to buy gold, going to offline stores to buy this gold, incurring storage charges & more. The minimum ticket size for purchasing gold at these stores is $50 adding to more friction to saving in Gold.\r\n\r\nUsing automated savings, Gullak now makes it extremely easy for users to save small amounts regularly($1/day) in digital Gold.This was not possible a year ago because the underlying infrastructure(UPI Autopay) was missing. \r\n\r\nWith 50 Mn Indians saving $2/day & with gold backed lending, this is a $1.5Bn market opportunity.\r\n\r\nGullak’s Founding team is the team which built BHIM UPI App(10Mn Downloads in 10 Days), this was launched by the PM of India. We built large scale payment systems for partners like GooglePay / Amazon, processing more than 30Mn payments/day. This is the same team that has built more than 40+ consumer brands & their initial growth strategy.\r\n", "one_liner": "Gullak automates savings & invests these in gold", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1659945230, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/gullak-money", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/gullak-money.json", "year_founded": 2022, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/gullak-money/", "x_url": "https://twitter.com/gullakmoneyapp", "fb_url": "https://www.facebook.com/gullakit", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/02dc5ca39f0b84d551575438e1537fbaa5ba8983.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 1045536, "full_name": "Naimisha Rao", "title": "Founder", "founder_bio": "Naimisha is the co-founder at Gullak Money, leading growth & marketing. Prior to this, she was head of growth marketing at Twin Health - a Sequoia funded Series C company where she handcrafted their growth strategy, contributing to 80% of Twin’s revenue then. Prior to that, she has worked on 40+ brand’s growth/marketing strategies & executed a lot of these strategies herself.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/naimisha-rao/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/de42d01ffb84279065d526c67a8791a66849cbef.jpg" }, { "user_id": 917360, "full_name": "Dilip Jain", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dilipjain09", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c1bbc00328374e01967f626653b99656541b1676.jpg" }, { "user_id": 918745, "full_name": "Manthan Shah", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/manthan-shah-12b38a45/", "x_url": "https://twitter.com/manthan197", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/37e2c87f8928d7970956cef284a929b13b9d4064.jpg" } ], "jobs": [], "news": [ { "title": "Savings & Investment Startup Gullak Raises Seed Funding To Offer New Financial Products", "url": "https://inc42.com/buzz/savings-investment-startup-gullak-seed-funding-new-financial-products/", "date": "Jan 19, 2023" }, { "title": "Gullak unveils Rishton ki Gullak campaign | The Financial Express", "url": "https://www.financialexpress.com/brandwagon/gullak-unveils-rishton-ki-gullak-campaign/2616093/", "date": "Nov 08, 2022" }, { "title": "Our 11 favourite companies from YC's S22 Demo Day: Part 1 • TechCrunch", "url": "https://techcrunch.com/2022/09/07/11-favorite-yc-demo-day-s22-startups/", "date": "Sep 07, 2022" }, { "title": "Gullak Raises INR 10 Crore In Pre-Seed Funding", "url": "https://www.entrepreneur.com/en-in/news-and-trends/gullak-raises-inr-10-crore-in-pre-seed-funding/429737", "date": "Jun 17, 2022" } ], "launches": [ { "id": 65271, "title": "Gullak - Automated savings app designed for India", "tagline": "Gullak is a mobile app that automates savings & invests these in Gold", "body": "Hi everyone, we are Dilip, Manthan, Naimisha & we are here to introduce Gullak.\n\nGullak is a mobile app that automates savings & invests these in gold. With Gullak, users can get started with auto saving just $1/day or with auto saving spare change. \n\nWe went from 200 to 30000 MTU in just 50 days & have hit an MRR of $2000. We are growing 25% Week on Week.\n\n**A little more about us:**\n\nManthan, Built ‘Visa Safe Click’ from scratch, the first one-click card authentication solution in India. Is a power house of ideas & loves experimenting\n\nDilip, In just the first 2 years of his career built India’s first large scale UPI app -  BHIM(10M users in 10 Days, launched by the PM of India). Does not stop till he solves the problem at hand\n\nNaimisha, having worked with 40+ brands comes with a rich experience in handcrafting Consumer Brands. Loves talking to & understanding the users\n\n**India Loves Savings But,** \n\nIndia loves savings but the way the majority of India(next 100 Mn) saves is manual, unstructured & non wealth creating. 200 Mn Indians save manually in assets such as Savings Accounts/FD/LIC Policies and these instruments do not beat inflation.\n\n**Gold SIPs to the rescue**\n\nAutomating savings in Gold using UPI Autopay removes the problem of manual & unstructured savings & hence making it easier for everyone to create more wealth.\n\n**Features our users love**\n\nSave on every spend\n\n![uploaded image](/media/?type=post&id=65271&key=user_uploads/1045536/c4455ab2-8344-45ff-b1ac-23b15183182f)\n\n> Daily/Monthly SIPs\n>\n> ![uploaded image](/media/?type=post&id=65271&key=user_uploads/1045536/b22d429f-fc67-4101-9b5e-87c4257b4298)\n\n\n> **Here’s a 1 minute Product Explainer**\n\n[Product Explainer](https://www.youtube.com/watch?v=xRPymS_2zdE)\n\n**Our Ask**\n\n1. Download the [app](https://gullak.app.link/CB7U808Cnsb) & let us know your experience\n2. Share this post & spread the word, taking us closer to our mission of creating wealth for a billion Indians\n\n**The India we envision**\n\n![uploaded image](/media/?type=post&id=65271&key=user_uploads/1045536/577896e2-613c-4af4-af38-38ad83a55bcb)\n\n", "url": "https://www.ycombinator.com/launches/Gyl-gullak-automated-savings-app-designed-for-india", "votes": 18, "created_at": "2022-08-10T14:53:27.458Z" } ] }, { "id": 26797, "name": "Rio", "slug": "rio", "former_names": [ "Rampa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/efb1b318b2f093000a46046dd04d837de28d5be7.png", "website": "https://www.rio.trade", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Rio is the premier stablecoin liquidity provider for the LATAM market. We enable access to stablecoins for financial innovators to scale their products.", "one_liner": "LATAM’s largest stablecoin FX and liquidity provider", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1658795593, "tags": [ "Fintech", "Crypto / Web3", "Payments", "Latin America" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/rio", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/rio.json", "year_founded": 2022, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/rio-transfer/", "x_url": "https://twitter.com/rio_transfer", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/efb1b318b2f093000a46046dd04d837de28d5be7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 1011235, "full_name": "Eudelio Garza", "title": "Founder", "founder_bio": "Eudelio is the CEO of Rio. Prior to Rio, he was a Product Manager at BlockVigil, a dev platform that provides Matic nodes as a service. He onboarded 30 developers and helped the company reach 1 billion API calls/day. When talking to web3 devs, he realized the need for better on-and-off ramping infrastructure in emerging markets.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eudelio-garza-5abb7a13b/", "x_url": "https://twitter.com/leyogarza", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0d4ff823006d869bf3b01d4ca00e5584dca3fa91.jpg" }, { "user_id": 1015465, "full_name": "Javier Roberts", "title": "Founder", "founder_bio": "Building Rio", "is_active": true, "linkedin_url": "http://linkedin.com/in/javierroberts", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/07fd3123d019274e0dfaab749abe141c93b2535d.jpg" }, { "user_id": 995362, "full_name": "Ricardo Villarreal Chapa", "title": "Founder", "founder_bio": "Co-founder of Rio (YC S22). Studied Computer Engineering at Boston University. Ex engineering product manager (for banks) and private equity analyst. Enjoys training BJJ, rockclimbing, and tennis. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ricardo-villarreal-chapa/", "x_url": "https://twitter.com/ricardo_vch", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/96e28e280c7c6f1ccf06e0876596063922398d62.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26803, "name": "Tank Payments", "slug": "tank-payments", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4db7a5077a335ed33cdb02645791bdc760dba1ca.png", "website": "https://www.tankpayments.com/", "all_locations": "Austin, TX, USA", "long_description": "Tank Payments is building modern financial infrastructure for the trucking industry. We offer payables automation software for logistics businesses that make hundreds of payments to trucking businesses every day. For trucking businesses, we provide a best-in-class banking platform, designed to meet the unique financial needs of the trucking sector.", "one_liner": "Modern financial infrastructure for the trucking industry.", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1659420849, "tags": [ "Fintech", "SaaS", "Payments", "Logistics", "Supply Chain" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tank-payments", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/tank-payments.json", "year_founded": 2022, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/82513538", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tank-payments", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4db7a5077a335ed33cdb02645791bdc760dba1ca.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 765179, "full_name": "Dane Cook", "title": "Founder", "founder_bio": "Dane is a co-founder of Tank Payments. Prior to Tank, Dane managed product teams at Amazon. Before that, he worked at a startup building a semantic knowledge graph and a startup that sold data to hedge funds. Dane started his career at a Wall Street investment bank.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dane-cook-b8402922/", "x_url": "https://twitter.com/danecooked", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/77b7f0d48a431bc1443e57f1a0ded1b6a471ca48.jpg" }, { "user_id": 1086453, "full_name": "Jad Rahbany", "title": "Founder", "founder_bio": "Jad is a co-founder of Tank Payments. Prior to Tank, Jad was a Software Engineer at Amazon working on the Alexa AI team, and a Product Manager at Google and Graphiq (acq. by Amazon). Originally from Lebanon, Jad graduated from Cornell University with a degree in Computer Science and a minor in Business.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jadrahbany/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/08edf98e6dfd34d9aae8d29b1fbcf81654799a93.jpg" }, { "user_id": 793427, "full_name": "Matthew Rybak", "title": "Founder", "founder_bio": "Matthew Rybak is the co-founder of Tank Payments. Matthew heads factor business development and product at Tank. He started out in financial services (Citigroup), but quickly moved to a tech startup in Santa Barbara CA (FindTheBest/Graphiq), which was acquired by Amazon Alexa AI in 2017. Since departing Amazon, he has started a RE development firm, a website (Truckinfo.net), and Tank Payments. He earned a Bachelors and Masters in Systems Engineering from the University of Pennsylvania.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/matthewrybak/", "x_url": "https://twitter.com/captainrybak", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1eed17c86d493beb4042fed9177133676521db76.jpg" } ], "jobs": [ { "id": 102422, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/tank-payments/jobs/AGM7jgV-software-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $165K", "equity_range": "0.10% - 0.25%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102423, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/tank-payments/jobs/ugnOzaS-senior-software-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $220K", "equity_range": "0.10% - 0.25%", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Forbes 30 Under 30: Jad Rahbany", "url": "https://www.forbes.com/profile/jad-rahbany/?list=30under30-manufacturing-industry/", "date": "Dec 02, 2024" }, { "title": "Trucking fintech company Tank Payments nets economic empowerment prize - FreightWaves", "url": "https://www.freightwaves.com/news/trucking-fintech-company-tank-payments-nets-economic-empowerment-prize", "date": "Oct 19, 2023" } ], "launches": [ { "id": 65088, "title": "Tank Payments: The neobank built for trucking businesses", "tagline": "We get truckers paid faster.", "body": "We’re Dane, Jad, and Matt, and we’re excited to introduce Tank Payments.\n\n### **❌ The Problem**\n\nWhen truckers haul loads, shippers stipulate 30 to 90 day payment terms, which is too long for many trucking companies that operate on thin margins. To access cash faster (1-3 days), trucking companies sell their invoices to financing companies called “factors” for a 2-5% fee. Many truckers end up paying up to $40 in fees per invoice to wire money from their factors if they need cash from their factors immediately, meaning that **some truckers give up close to 10% of their income to get access to the money they’ve already earned.**\n\nMoney movement in freight is not efficient, causing truckers to stitch together a variety of tools (Cash App, local commercial banks, factoring, fuel cards, and more) to manage their businesses. Even the business that pay truckers (e.g. factors) use dated payments infrastructure, exacerbating delays. This leaves an opportunity for software that addresses these financial needs in a way that’s purpose-built for the freight industry.\n\n## **✨ Our Solution**\n\n![uploaded image](/media/?type=post&id=65088&key=user_uploads/793427/be064c4e-46a5-4172-8c84-dd10830f6b9a)\n\n**Tank Payments is a banking experience specifically designed for the freight industry, and its first feature allows truckers to get paid faster.** We give truckers instant access to their money by putting factors and truckers on the same financial infrastructure. Factoring companies partner with Tank because our infrastructure reduces their time spent on accounts payable, and helps them retain customers by offering a better funding experience.\n\nOver time, the Tank Payments will become the finance department for trucking SMBs, supporting the many unique financial requirements of freight businesses. We’ve pinpointed payroll, expense management, insurance, and P2P payments as areas of priority that our neobank is well-positioned to serve.\n\n![uploaded image](/media/?type=post&id=65088&key=user_uploads/793427/e85b3331-683f-4031-bd75-51747ce4bb4c)\n\nOur team worked together for the past 7 years, first at a startup (Graphiq, acq. 2017) and then at Amazon Alexa AI. We bring experience in financial services, data analytics, digital security, and natural language processing to a freight industry in the midst of a tech adoption boom.\n\n### **🙏 Asks**\n\n1. We would love to connect with founders and teams that have **experience embedding 1) payroll, 2) card rewards (e.g. fuel discounts), and 3) insurance into their software**.\n2. Tank wants to expand and distribute its neobank through entities that pay truckers, beyond factors. We want to learn more about how players like international freighters (e.g. Maersk), freight forwarding companies (e.g. Flexport), domestic shippers (e.g. Kroger’s Markets), and third-party logistics providers (e.g. C.H. Robinson) **perform payouts and if they could benefit from payment speed and/or coordination.**", "url": "https://www.ycombinator.com/launches/Gvo-tank-payments-the-neobank-built-for-trucking-businesses", "votes": 39, "created_at": "2022-08-03T05:00:27.064Z" } ] }, { "id": 26812, "name": "Hype", "slug": "hype", "former_names": [ "the402", "Hypeshot", "Hype", "Hypeshot" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/54f6fccc5aacf88b46483ea7bf6cb22f5728b09d.png", "website": "https://www.hype.meme/", "all_locations": "New York City, NY, USA", "long_description": "Trade memecoins, crypto and send crypto to your friends\r\nDownload Hype here: https://apps.apple.com/us/app/hype-trade-memes/id6477802830", "one_liner": "Trade memecoins ", "team_size": 3, "industry": "Consumer", "subindustry": "Consumer", "launched_at": 1662071336, "tags": [ "Fintech", "Crypto / Web3", "Consumer", "Entertainment" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Consumer" ], "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/hype", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/hype.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/71632005", "x_url": "https://twitter.com/gethype_hq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/54f6fccc5aacf88b46483ea7bf6cb22f5728b09d.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": 492765, "full_name": "Ravi Bakhai", "title": "Founder", "founder_bio": "Founder/CEO of Hype", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ravi-bakhai-ba785791/", "x_url": "https://twitter.com/ravibakhai", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/255d22fd7cfcc216adb3a8ef8667bb90f63f124e.jpg" } ], "jobs": [ { "id": 71004, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/hype/jobs/TSdR1ed-senior-software-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K - $210K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Node.js", "React Native", "Next.js" ] }, { "id": 73622, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/hype/jobs/Aabj9TY-software-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $180K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Node.js", "React Native", "Next.js" ] } ], "news": [ { "title": "Venture Capitalists Take Crypto Back to School in New Courtship - Bloomberg", "url": "https://www.bloomberg.com/news/articles/2025-08-01/venture-capitalists-take-crypto-back-to-school-in-new-courtship?accessToken=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzb3VyY2UiOiJTdWJzY3JpYmVyR2lmdGVkQXJ0aWNsZSIsImlhdCI6MTc1NDA2NTQ5NywiZXhwIjoxNzU0NjcwMjk3LCJhcnRpY2xlSWQiOiJTWkYzWEdEV0xVNjgwMCIsImJjb25uZWN0SWQiOiJCRUI5MjYwQTE0NTQ0ODlFQTc4RkNFOTZENzcxQzkwQiJ9.P5I_o9Up0PW-QWi7oJUWbHgKrqFR59hIaQueStRFPkI&leadSource=uverify%20wall", "date": "Jul 31, 2025" }, { "title": "Trump meme coin unsettles some blockchain leaders", "url": "https://www.axios.com/2025/01/21/trump-meme-coin-crypto", "date": "Jan 21, 2025" }, { "title": "How memecoins could bring back the retail investor in crypto - Blockworks", "url": "https://blockworks.co/news/midwest-blockchain-conference-highlights", "date": "Nov 10, 2024" }, { "title": "Memecoin trading tool Hype launches ‘President Memecoin Index’ ahead of Election Day | The Block", "url": "https://www.theblock.co/post/324430/memecoin-trading-tool-hype-launches-president-memecoin-index-ahead-of-election-day?utm_source=rss&utm_medium=rss", "date": "Nov 03, 2024" }, { "title": "In Defense of Meme Coins", "url": "https://www.coindesk.com/opinion/2024/06/10/in-defense-of-meme-coins/", "date": "Jun 10, 2024" } ], "launches": [] }, { "id": 26825, "name": "Flair Labs", "slug": "flair-labs", "former_names": [ "Flair" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ede9e547182b45c640ce4cdec3bb01485529cf0.png", "website": "https://www.flairlabs.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Flair Labs is the leading AI communications platform for lending, empowering teams to build autonomous agents that execute complex workflows across voice and text. We believe the next generation of top lending teams will be responsible for managing swarms of agents that execute tasks on their behalf – Flair Agent platform is the foundation enabling this future.", "one_liner": "AI workforce for mortgage", "team_size": 6, "industry": "B2B", "subindustry": "B2B", "launched_at": 1679982577, "tags": [ "Fintech", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B" ], "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/flair-labs", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/flair-labs.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/flair-labs-1/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ede9e547182b45c640ce4cdec3bb01485529cf0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 986377, "full_name": "Samir Sen", "title": "Founder", "founder_bio": "Stanford BS/MS in computer science. Prev. Apple. Building full self-driving for real estate and lending.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samir-sen-3a2b72123/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c3fc89488bc6aa07801580d2365a8837b7b4a291.jpg" } ], "jobs": [ { "id": 71162, "title": "Founding Product Marketing - Flair Labs", "url": "https://www.ycombinator.com/companies/flair-labs/jobs/ql097Qg-founding-product-marketing-flair-labs", "location": "San Francisco, CA, US / Santa Clara, CA, US / Palo Alto, CA, US / Remote", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$100K - $150K", "equity_range": "0.50% - 1.00%", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [ "Figma" ] }, { "id": 71163, "title": "Founding Applied AI Engineer - Flair Labs", "url": "https://www.ycombinator.com/companies/flair-labs/jobs/a9J4t3c-founding-applied-ai-engineer-flair-labs", "location": "San Francisco, CA, US / Remote (Palo Alto, CA, US; San Francisco, CA, US; Santa Clara, CA, US)", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$100K - $150K", "equity_range": "0.50% - 2.00%", "experience": "3+ years", "visa": "Will sponsor", "skills": [ "Google Cloud", "Python", "Docker", "Prompt Engineering" ] }, { "id": 89500, "title": "Forward Deployed Engineer - Flair Labs", "url": "https://www.ycombinator.com/companies/flair-labs/jobs/fyXhYIj-forward-deployed-engineer-flair-labs", "location": "San Francisco, CA, US / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$100K - $150K", "equity_range": "0.50%", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [ "Google Cloud", "Kubernetes", "Python" ] }, { "id": 89512, "title": "Founding Infrastructure Engineer - Flair Labs", "url": "https://www.ycombinator.com/companies/flair-labs/jobs/0X4W8Kx-founding-infrastructure-engineer-flair-labs", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$120K - $160K", "equity_range": "0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Google Cloud", "Kubernetes", "Python", "Redis", "Firebase", "Docker" ] } ], "news": [ { "title": "AI Voice Agents: 2025 Update | Andreessen Horowitz", "url": "https://a16z.com/ai-voice-agents-2025-update/", "date": "Jan 29, 2025" } ], "launches": [ { "id": 86082, "title": "Flair Labs: Digital Concierge for Real Estate and Lending", "tagline": "Lifelike Voice AI. For Real Estate. Now.", "body": "**tl;dr**: Real estate and mortgage brokerages lose billions in commissions yearly in missed opportunities with prospective home buyers and sellers. Flair lets any team deploy their own fleet of digital assistants - tailored to real estate workflows - that allows brokerages to multiply their active conversations.\n\n\n\n—\n\n### **❌ The Problem**\n\n**Real estate and lending teams lack resources to properly manage client communications.**\n\nEvery day brokerages leave millions of dollars on the table. Why?\n\n* Communication in real estate quickly becomes overwhelming, especially when there aren’t enough hands to stay on top of every client\n* They, therefore, miss over half their phone calls and follow-ups\n* Today - 300,000+ loan officers and 1.6m+ realtors spend hours on the phone getting applicants to complete applications or gathering additional information before they churn to competitors.\n* 85% of the time when a call is missed, clients don’t call back; they often go with another realtor\n\n**Existing alternatives are either expensive or inefficient.** Even small to midsize brokerages can make and receive hundreds, if not thousands, of calls per day\n\n* Receptionists (both virtual & non-virtual) are costly, not 24/7 and operational on the weekend, require months of onboarding, and have high variance in terms of performance\n* Call centers are costly (few dollars / minute), inconsistent, and don’t integrate with business systems (e.g., CRMs)\n\n### **✨ Our Solution**\n\n[Flair Labs](https://flairlabs.ai) allows brokerages to set up their own **digital concierge** that automates client communication and relationship nurturing\n\n![uploaded image](/media/?type=post&id=86082&key=user_uploads/986377/994c9276-0ffe-44b0-b080-5416a5dc294b)\n\n**Speed-to-lead**\n\n* 24/7 availability - automate follow-ups from inbound inquiries to nail down appointment times and collect necessary information\n* Pick up and reengage clients that dropped off online forms or applications\n* Multi-channel sequences through call, sms and email ensure to reach clients where they prefer most\n\n**Lead reactivation**\n\n* Booking confirmations to minimize cancellations / no-shows\n* Follow-ups with previous leads to gather updated information and changes in timelines\n\n**Live transfer & callback scheduling**\n\n* Warm transfer hot leads directly to realtors or mortgage brokers\n* Connect with calendar and CRM to set up times to call back\n\n### **🏆 Team**\n\n[Samir Sen](https://www.linkedin.com/in/samir-sen-3a2b72123/) - Stanford BS/MS in Computer Science. Prev. Apple ML\n\n[Eddie Wu](https://www.linkedin.com/in/eddie-chao-ping-wu-604a98145/) - Stanford GSB. Prev. Citi Group - Director, Mortgages & Lending\n\n![uploaded image](/media/?type=post&id=86082&key=user_uploads/986377/fcf62135-766e-4334-8472-b75191a9e261)\n\n### **🙏 Asks**\n\n* 📣 Sharing: Please share this announcement with your network and follow us on [LinkedIn](https://www.linkedin.com/company/flair-labs-ai/)!\n* 👥 Referrals: If you know of anyone who owns a real estate and mortgage brokerage and could benefit, please connect us [samir@flairlabs.ai](mailto:samir@flairlabs.ai)", "url": "https://www.ycombinator.com/launches/MOQ-flair-labs-digital-concierge-for-real-estate-and-lending", "votes": 8, "created_at": "2024-12-05T20:46:37.420Z" } ] }, { "id": 26870, "name": "Thera", "slug": "thera", "former_names": [ "Carbon" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7e4349496f6bae01d17c1074e4815ebae20787d3.png", "website": "https://www.getthera.com", "all_locations": "New York City, NY, USA", "long_description": "Thera is an AI-native ecosystem of apps to run a modern business: global payroll, treasury, spend management, invoicing/payments.\r\n\r\nThera works with hundreds of the world's leading companies like Oceans, 20four7VA, Landed, Zendrop, Oneleet, Codingal and Meru to supercharge their growth.\r\n\r\nBacked by Y Combinator, Amino Capital, Zillionize, 10x Founder, and many more. \r\n", "one_liner": "AI-Native Finance OS", "team_size": 15, "industry": "B2B", "subindustry": "B2B", "launched_at": 1661623746, "tags": [ "Fintech", "B2B", "Payroll", "AI", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B" ], "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/thera", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/thera.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/81929401/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7e4349496f6bae01d17c1074e4815ebae20787d3.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": 527447, "full_name": "Akhil Reddy", "title": "Founder/CEO", "founder_bio": "Founder at Thera (YC S22). Long-term vision. Near-term conviction.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/reddyakhil/", "x_url": "https://twitter.com/akhilred_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5fc712a2810e55954d7ad37417c36b49265e24df.jpg" } ], "jobs": [ { "id": 74331, "title": "CTO - NYC", "url": "https://www.ycombinator.com/companies/thera/jobs/AyjjsZO-cto-nyc", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $270K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 85422, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/thera/jobs/nY4iE3x-founding-engineer", "location": "New York", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $250K", "equity_range": "0.01% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Java", "Kotlin" ] }, { "id": 94611, "title": "Partnerships Lead", "url": "https://www.ycombinator.com/companies/thera/jobs/VYkRQRS-partnerships-lead", "location": "New York", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $150K", "equity_range": "0.01% - 0.50%", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94612, "title": "GTM Lead", "url": "https://www.ycombinator.com/companies/thera/jobs/srv7TEW-gtm-lead", "location": "New York", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $150K", "equity_range": "0.01% - 0.50%", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 95618, "title": "Marketing Lead", "url": "https://www.ycombinator.com/companies/thera/jobs/tVxr66I-marketing-lead", "location": "New York", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$80K - $150K", "equity_range": "0.01% - 0.50%", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 95621, "title": "Staff Engineer", "url": "https://www.ycombinator.com/companies/thera/jobs/Udy8ryg-staff-engineer", "location": "New York", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $250K", "equity_range": "0.01% - 0.47%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Java", "Kotlin" ] }, { "id": 102218, "title": "Content Creator (Copy Writer)", "url": "https://www.ycombinator.com/companies/thera/jobs/oEU6oCR-content-creator-copy-writer", "location": "NYC or Remote / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$70K - $90K", "equity_range": "0.01% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103867, "title": "CTO", "url": "https://www.ycombinator.com/companies/thera/jobs/kOKFeVl-cto", "location": "Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $270K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103868, "title": "Senior Software Engineer - NYC", "url": "https://www.ycombinator.com/companies/thera/jobs/GYrfyqF-senior-software-engineer-nyc", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103869, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/thera/jobs/HBjwGu3-senior-software-engineer", "location": "Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116570, "title": "Product Manager (Remote)", "url": "https://www.ycombinator.com/companies/thera/jobs/Hl9JVDR-product-manager-remote", "location": "Remote", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$2K - $3K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "Thera scores $4M to make it easier to hire, pay global employees | VentureBeat", "url": "https://venturebeat.com/virtual/thera-scores-4m-seed-to-make-it-easier-to-hire-and-pay-international-employees/", "date": "Aug 22, 2024" } ], "launches": [] }, { "id": 26882, "name": "Coris", "slug": "coris", "former_names": [ "Coris Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f8d68f694a6b7f9bb0fb7015ac9814c591f45f5d.png", "website": "https://coris.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Coris is the AI platform for payments risk and operations. We work with the most ambitious companies around the globe such as GoFundMe, Kajabi, Clio and Cherry to automate merchant onboarding, monitoring, and payment operations. What risk teams only imagined two years ago, Coris is delivering today with our risk platform and AI agents.\r\n\r\nWe’re backed by Y Combinator, Lux Capital, Pathlight Ventures, and other world-class investors — and we’re just getting started !", "one_liner": "AI risk and ops platform for Payment Processors, Banks, SaaS…", "team_size": 10, "industry": "B2B", "subindustry": "B2B -> Infrastructure", "launched_at": 1659411610, "tags": [ "Fintech", "B2B", "Compliance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Infrastructure" ], "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/coris", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/coris.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/corisinc/", "x_url": "https://twitter.com/CorisInc", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f8d68f694a6b7f9bb0fb7015ac9814c591f45f5d.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": 808733, "full_name": "Vinodh Poyyapakkam", "title": "Founder", "founder_bio": "Payments Fraud, SMB, Risk & Compliance. Prev: Google, WePay, Paysafe, PayPal, Accenture", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vinodhpo/", "x_url": "https://twitter.com/psvinodh", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/92775bbd1f7783cd2ef5767994ce17309a74124e.jpg" }, { "user_id": 982526, "full_name": "Shyam Maddali", "title": "Founder", "founder_bio": "ex-WePay, ex-eBay", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shyammaddali/", "x_url": "https://twitter.com/mlshyam", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4716428289cef5c1212db1017901c9efa78c039f.jpg" } ], "jobs": [ { "id": 100286, "title": "Chief of Staff", "url": "https://www.ycombinator.com/companies/coris/jobs/I26T5Uv-chief-of-staff", "location": "Palo Alto, CA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$120K - $150K", "equity_range": "0.40% - 0.70%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "AI Agents" ] }, { "id": 116108, "title": "Backend Engineer (AI-Native) — Risk Infrastructure & Integrations", "url": "https://www.ycombinator.com/companies/coris/jobs/h0nDly8-backend-engineer-ai-native-risk-infrastructure-integrations", "location": "Palo Alto, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$160 - $175", "equity_range": "0.25% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Django", "JavaScript", "PostgreSQL", "Python", "TypeScript" ] } ], "news": [ { "title": "Coris raises $3.7M, sets sights on AI-driven paradigm shift in SMB risk management | VentureBeat", "url": "https://venturebeat.com/ai/coris-raises-3-7m-sets-sights-on-ai-driven-paradigm-shift-in-smb-risk-management/", "date": "Feb 01, 2024" } ], "launches": [ { "id": 65063, "title": "Coris - Manage Small Business Risk Thoughtfully", "tagline": "Our data and software helps Fintechs manage SMB Risk with no stress !", "body": "**Coris is a Risk API for Fintechs that underwrite SMBs**\n\nHi everyone !\n\nThis is [Shyam](https://www.linkedin.com/in/shyammaddali/) and [Vinodh](https://www.linkedin.com/in/vinodhpo/) from [Coris](https://www.coris.ai/). We are super stoked to share with y’all what we are building.\n\n### **Background**\n\nShyam and I have spent last 20+ years at companies such as eBay, PayPal, WePay/JPMC (_YC S09_) and Google managing small business risk for payments and lending products. Two of the biggest problems we faced were in gaining a solid understanding of what a SMB does at the time of underwriting and continuing to keep a tab externally on how they operate.\n\n### **Problem**\n\n**Traditional bureaus hardly help** with small business credit risk assessment given their abysmal coverage of small businesses, lack of predictive data, painful integrations, and expensive products. Fintechs especially struggle to get the right data on quality of a small business to accurately assess credit exposure\n\nWhile payments data and bank-level financial data have helped somewhat in recent times to fill the void in SMB underwriting, they still miss some huge signals on how a business operates. Biggest problem is lot of **valuable data on a business remain unstructured** in the open internet for models/rules to consume\n\nAlso once a small business is approved for payments, lending or another credit product, **most companies are in dark about them** until they see chargebacks come in or see missed payments\n\n### **Solution**\n\nWe believe there is tremendous potential for alternative credit-relevant data in SMB risk management. With that said, we have two products to start with:\n\n1. **Alternative data on every SMB** in the US through one developer-first API - Licensing details, Website Professionalism signals, Online Reviews based signals, Business Incorporation details, and Local Inspection data\n2. **Monitoring of small businesses** across various online/offline surfaces and raise an alert for action when a business deterioration/failure is suspected, much before chargebacks or defaults start happening\n\n### **Our Asks**\n\n1. If you are running a Fintech/Platform and serve SMBs in the US, we would love to get your direct feedback on what we are building. Even better, **sign up to our** [**beta here**](https://www.coris.ai/#contact_form) !\n2. **Connect us to platforms/companies** that might benefit from what we are building or for us to learn from\n3. **Feel free to say hi at** [founders@coris.ai](mailto:founders@coris.ai) ! We love riffing on SMB underwriting/fraud/KYB and talk shop on where the industry is heading\n4. Last but not the least, **please share this post** ! Please help spread the word on how we are looking to make life easier for Fintechs to serve their SMB customers !!", "url": "https://www.ycombinator.com/launches/GvP-coris-manage-small-business-risk-thoughtfully", "votes": 71, "created_at": "2022-08-02T07:55:11.922Z" } ] }, { "id": 26897, "name": "AviaryAI", "slug": "aviaryai", "former_names": [ "Cambio" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/40b545f0827e44a735f2287cc0b17aea7e65e7ff.png", "website": "http://www.helloaviary.ai", "all_locations": "Chicago, IL, USA", "long_description": "AviaryAI is the industry's first outbound AI service team for banks, credit unions, and insurance companies. In a landscape where only 18% of financial service providers make proactive outbound calls and rely heavily on emails, AviaryAI offers a groundbreaking solution. Powered by a private LLM, our suite of products helps institutions leverage Generative AI while adhering to stringent regulatory and compliance standards.", "one_liner": "Outbound AI voice agents for the financial services industry", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1654737893, "tags": [ "Fintech", "B2B", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/aviaryai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/aviaryai.json", "year_founded": 2022, "city": "Chicago", "country": "US", "linkedin_url": "https://www.linkedin.com/company/helloaviary", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/aviaryai", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/40b545f0827e44a735f2287cc0b17aea7e65e7ff.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/9ab033d49d83987dad34b478053d258e4035d43b.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 796542, "full_name": "Blesson Abraham", "title": "Founder", "founder_bio": "Blesson Abraham is a two-time founder and is the CEO of Cambio. He started his career at a retail bank as a leadership development associate and went on to lead marketing, sales and helped start their analytics team. In 2014, he co-founded SavvyIntel, a SaaS analytics solution for banks and credit unions. In 2017, SavvyIntel was acquired by CUNA Mutual Group. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/blessonjabraham", "x_url": "https://twitter.com/Babraham_FI", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6f451ba7d17df974762577409899588da0143f23.jpg" }, { "user_id": 1071567, "full_name": "Jay Patel", "title": "Founder", "founder_bio": "Jay Patel is a two-time founder and is the CTO of Aviary AI . In 2020 he started the non-profit social-justice app FireWatch. He leads the development and engineering efforts at Aviary AI.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jay-patel-2017/", "x_url": "https://twitter.com/jay1jp", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e82d10c635fe4e35967823cd572406402261ca41.jpg" } ], "jobs": [ { "id": 109278, "title": "Account Executive (Full Cycle)", "url": "https://www.ycombinator.com/companies/aviaryai/jobs/Lxfz6dw-account-executive-full-cycle", "location": "Chicago, IL", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$180K - $220K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 109279, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/aviaryai/jobs/m5Dm1Qa-forward-deployed-engineer", "location": "Chicago, IL", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$80K - $120K", "equity_range": "0.01% - 0.10%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 109280, "title": "Strategic Account Manager", "url": "https://www.ycombinator.com/companies/aviaryai/jobs/lk9fk0O-strategic-account-manager", "location": "Chicago, IL", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "YC-backed Cambio puts AI bots on the phone to negotiate debt, talk to a bank’s customers | TechCrunch", "url": "https://techcrunch.com/2024/02/13/yc-backed-cambio-puts-ai-bots-on-the-phone-to-negotiate-debt-talk-to-a-banks-customers/", "date": "Feb 13, 2024" }, { "title": "This Chicago Startup Is Using AI to Help People Improve Their Credit | Built In Chicago", "url": "https://www.builtinchicago.org/2023/03/16/chicago-future-5-company-cambio-q1-2023", "date": "Mar 16, 2023" } ], "launches": [ { "id": 64180, "title": "AviaryAI - Outbound voice agents for the financial services industry", "tagline": "Drive revenue and engagement with automated and compliant AI voice interactions", "body": "**TLDR**\\\n[AviaryAI](https://www.helloaviary.ai) is the industry's first outbound AI service team for banks, credit unions, and insurance companies. In a landscape where only 18% of financial service providers make proactive outbound calls and rely heavily on emails, AviaryAI offers a groundbreaking solution. Powered by a private LLM, our suite of products helps institutions leverage Generative AI while adhering to stringent regulatory and compliance standards.\n\n**The problem**\n\n* **Limited Outbound Calls:** Only 18% of banks, credit unions, and insurance companies make outbound calls, missing crucial engagement opportunities throughout the customer lifecycle.\n* **Inefficiency and Missed Opportunities:** Internal employees, often untrained or unmotivated, handle outbound calls which leads to incomplete interactions and lost revenue.\n* **Challenges with GenAI Adoption:** Financial institutions hesitate to use general-purpose models like ChatGPT due to their lack of transparency and regulatory compliance concerns.\n* **Complex Interactions:** Automating post-call workflows (e.g., opening new accounts, activating cards) is challenging due to the need for multiple systems to work together seamlessly.\n\n**Our Impact**\n\n* **Proven Success Rate:** 26% of our AI-driven calls have resulted in successful customer interactions, significantly boosting engagement and revenue for our clients.\n* **High Interaction Rate:** 72% of all answered calls have an interaction with our voice agents beyond a simple “hello”. \n\n[Service Agent For Financial Institutions](https://youtu.be/IIeoPoZ_wVc)\n\n**The Founding Team**\n\n* Blesson Abraham | Co-founder, CEO: Blesson Abraham spent 5 years in leadership roles at Baxter Credit Union (BCU) before founding SavvyIntel (Acquired by TruStage in 2017) a SaaS analytics solution built for banks and credits union. \n* Jay Patel | Co-founder, CTO: Jay Patel is a two-time founder and started the non-profit social-justice app FireWatch in 2020. He leads development for Cambio’s consumer and enterprise LLMs.\n\n**Why Now?**\n\nIn the face of financial and regulatory pressures, banks, credit unions, and insurance companies are hesitant to adopt new technologies due to compliance fears. AviaryAI addresses this by offering a vertical-specific LLM, fine-tuned with industry data to tackle the unique challenges of financial services.\\\n\\\n\\*\\*Our Ask?\\*\\*\\\nIf you are in the financial services industry and are looking to move simple interactions to AI, reach out to us at [info@helloaviary.ai](mailto:info@helloaviary.ai)", "url": "https://www.ycombinator.com/launches/GhA-aviaryai-outbound-voice-agents-for-the-financial-services-industry", "votes": 87, "created_at": "2022-06-29T15:27:46.242Z" } ] }, { "id": 26901, "name": "FlyCode", "slug": "flycode", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4cd904583699bd121334a407aea4c0921152f48a.png", "website": "https://www.flycode.com", "all_locations": "Boston, MA, USA", "long_description": "FlyCode helps subscription merchants maximize revenue. We reduce involuntary churn by managing payment failures intelligently.\r\n\r\nWe’re Jake, Etai, and Tzachi and we’re building FlyCode.\r\n\r\nTL;DR: If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.\r\n\r\n‘Involuntary’ or ‘Passive’ churn is a hidden Revenue Killer 💳 for Subscription Businesses\r\n\r\n❌ THE PROBLEM: Recovering Failed Payments is Complex\r\nInvoluntary churn refers to the loss of subscribers due to payment failures, not due to them actively canceling. While it is both possible and a worthwhile strategy to attempt to win back a customer during the cancellation process — involuntary churn is not intentional and in most cases, your customers aren’t even aware that their payment failed.\r\n\r\n💰 Bottom line?\r\nEffective payment optimization does reduce involuntary churn and will increase ARR by as much as 5-10%\r\n\r\nFLYCODE SOLUTION 💡\r\nFlyCode leverages ML and AI to provide Payment Optimization and smart payment retries to maximize subscription revenue and reduce churn. We apply a unique model tailored to each Merchant and their customers to ensure optimal results.\r\n\r\n⚡️Automatically recover failed subscription payments and reduce passive churn\r\n\r\n⚡️Use ML & AI based payment optimization to find the best time to charge your customers\r\n\r\n⚡️ Improve customer experience by coordinating payment retries with customer emails/SMS\r\n\r\n🛠️ We support OOTB + Custom Integrations for Merchants and White-Label for Platforms\r\n", "one_liner": "Recover failed subscription payments to increase retention and LTV", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657031035, "tags": [ "Fintech", "Payments", "E-commerce", "Subscriptions", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/flycode", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/flycode.json", "year_founded": 2021, "city": "Boston", "country": "US", "linkedin_url": "https://www.linkedin.com/company/flycodehq", "x_url": "https://twitter.com/FlycodeHQ", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4cd904583699bd121334a407aea4c0921152f48a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 506517, "full_name": "Tzachi Davidovich", "title": "Founder", "founder_bio": "CEO & Cofounder FlyCode ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tzachidaviovich/", "x_url": "https://twitter.com/TzachiDav", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8c6e610f7a24a948cdf1257b93c7ca0f5e42d1a5.jpg" }, { "user_id": 735888, "full_name": "Etai Avrahami", "title": "Founder", "founder_bio": "CTO & Co-Founder at FlyCode", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/etaia", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c84c40b1b39246056be5110c632239951af7825b.jpg" }, { "user_id": 651566, "full_name": "Jake Vacovec", "title": "Founder", "founder_bio": "Co-Founder at FlyCode", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jake-p-vacovec-28417869/", "x_url": "https://twitter.com/jvacovec", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b708841106d1c7adb6bedad02a3a7eab37769ecb.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 92902, "title": "🪄 FlyCode - increase Stripe revenue, by leveraging backup cards ✨", "tagline": "TL;DR:  We’re launching a new product helping Stripe customers to boost revenue with backup payments method. Netflix and Amazon do this—now every SaaS can too.", "body": "👋 Hey everyone, this is [Jake](https://www.linkedin.com/in/jake-p-vacovec/), [Etai](https://www.linkedin.com/in/etaia/) and [Tzachi](https://www.linkedin.com/in/tzachidaviovich/). We’re the co-founders of [FlyCode](https://www.flycode.com/)\n\n**TL;DR:**  We’re launching a new product helping Stripe customers to boost revenue with backup payments method. Netflix and Amazon do this—now every SaaS can too.\n\n[FlyCode](https://www.flycode.com/) makes it easy for AI and SaaS companies to recover lost revenue due to failed payments and involuntary churn - a major hidden revenue killer.\n\n**❌ THE PROBLEM: no easy way to leverage backup cards**\n\nWhen a customer’s default card fails and you exhausted retries, the subscription will be cancelled (often after 30 days). It means lost revenue and churn.\n\n**FLYCODE SOLUTION 💡**\n\nFlyCode automatically attempts payment recovery using backup cards during that 30-day window, before the subscription gets cancelled.\n\n**The ask?** Get our Stripe app:\n\nhttps://marketplace.stripe.com/apps/flycode-payments\n\nFREE payment audit. No code changes. No manual workflows. No service disruption.\n\n![uploaded image](/media/?type=post&id=92902&key=user_uploads/506517/f39e78ef-0478-4193-b6ad-be71e8247777)\n\n**It’s the industry standard for large SaaS**\n\nWe’ve seen an 18%–20% increase in payment recovery rates with our recovery and with this new product. Companies like Netflix and Amazon have always done this internally, but it hasn’t been accessible to smaller SaaS companies until now.\n\n**Get the [Stripe app](https://marketplace.stripe.com/apps/flycode-payments) or Email us at [hello@flycode.com](mailto:hello@flycode.com) for feedback**", "url": "https://www.ycombinator.com/launches/OAQ-flycode-increase-stripe-revenue-by-leveraging-backup-cards", "votes": 26, "created_at": "2025-08-12T00:20:58.000Z" }, { "id": 77964, "title": "🪄 FlyCode: Recover failed payments with AI to increase ARR growth ✨", "tagline": "If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.", "body": "**Hey YC Community 👋**\n\nWe’re Jake, Etai, and TD and we’re building [**FlyCode**](https://www.flycode.com/).\n\n**TL;DR:** If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.\n\n‘Involuntary’ or ‘Passive’ churn is a hidden Revenue Killer 💳 for Subscription Businesses\n\n> **20%-40% of a Merchants ARR is lost due to payment failures, errors like insufficient funds or processing errors. Most rely on brute force or fixed-interval retry strategies, a legacy approach that ultimately reduces retry success rates and increases customer churn.**\n\n![uploaded image](/media/?type=post&id=77964&key=user_uploads/506517/509fe9ac-1daf-4b13-b551-44c1c9240a1b)\n\n### **❌ THE PROBLEM: Recovering Failed Payments is Complex**\n\nInvoluntary churn refers to the loss of subscribers due to payment failures, not due to them actively canceling. While it is both possible and a worthwhile strategy to attempt to win back a customer during the cancellation process — involuntary churn is not intentional and in most cases, your customers aren’t even aware that their payment failed.\n\n### **💰 Bottom line?**\n\nEffective payment optimization does reduce involuntary churn and will increase ARR by as much as 5-10%\n\n### 🎟 **What causes payment failures and involuntary churn?**\n\nThere’s no single cause of this problem that can be isolated. In fact, there are dozens of reasons \\[insufficient funds, fraud, expired cards, AVS, SCA, invalid card, etc.\\], and solutions to each failure need to be applied individually. Let’s look at a few examples:\n\n1. **Batch Processing and Fixed-Interval Retries.** The majority of subscription payments and retries are processed in bulk during off-hours. If your customers are based in multiple time zones, this can increase payment failures and reduce the success rate of retries. Remember when you had to notify your bank when you were traveling? The concept is the same, a 3am charge is more likely to get flagged as fraud than a 9am charge.\n2. **Expired Cards or Invalid Card Numbers:** These are frustrating because you think you have to ask your customers to do something, surprisingly there are many cases when you don’t. When you lose a credit card and replace it, do you ever wonder how Netflix still manages to charge you? It’s all thanks to Card Account Updater and Network Tokenization — if you don’t have it implemented, it’s an easy win.\n3. **Customers with Insufficient Funds:** Timing is a critical factor, especially with these types of errors. If they don’t have funds, don’t force it. When retry attempts are spread out or targeted around periods of the month when cash inflow is expected, success rates will go up.\n4. **Payments that are incorrectly classified as fraud:** This can cause financial losses, as well as a negative impact on customer experience. It is important to prevent those legitimate payments from failing.\n\n\\-\n\n# **FLYCODE SOLUTION 💡**\n\n[**FlyCode**](https://www.flycode.com/) leverages ML and AI to provide Payment Optimization and smart payment retries to maximize subscription revenue and reduce churn. We apply a unique model tailored to each Merchant and their customers to ensure optimal results.\n\n⚡️**Automatically** recover failed subscription payments and reduce passive churn\n\n⚡️Use ML & AI based payment optimization to find the **best time** to charge your customers\n\n⚡️ Improve **customer experience** by coordinating payment retries with customer emails/SMS\n\n🛠️ We support **OOTB + Custom Integrations** for Merchants and White-Label for Platforms\n\n![uploaded image](/media/?type=post&id=77964&key=user_uploads/506517/f44a3ddb-06e1-4e78-9bf5-b7fa76a555bf)\n\n### **We’d love your support 🍻**\n\n* **\\[FREE\\] 🎯** Let FlyCode analyze your payment health and show you how much revenue can be recovered \n* Email us for feedback and partnership [hello@flycode.com](mailto:hello@flycode.com)", "url": "https://www.ycombinator.com/launches/KHU-flycode-recover-failed-payments-with-ai-to-increase-arr-growth", "votes": 50, "created_at": "2024-01-30T16:01:41.702Z" }, { "id": 65130, "title": "FlyCode: Recover failed payments with AI to increase ARR growth", "tagline": "🧑‍🚀 On a mission to help developers increase their teammate's autonomy", "body": "**Hey YC Community 👋**\n\nWe’re Jake, Etai, and TD and we’re building [**FlyCode**](https://www.flycode.com/).\n\n**TL;DR:** If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.\n\n“Involuntary” churn is a hidden Revenue Killer 💳 for Subscription Businesses\n\n> **8%-10% of a Merchants ARR is lost due to payment failures, errors like insufficient funds or processing errors. Most rely on brute force or fixed-interval retry strategies, a legacy approach that ultimately reduces retry success rates and increases customer churn.**\n\n![uploaded image](/media/?type=post&id=65130&key=user_uploads/506517/4591dae8-f05f-4314-b44a-c60d3e4e6d85)\n\n### **❌ THE PROBLEM: Recovering Failed Payments is Complex**\n\nInvoluntary churn refers to the loss of subscribers due to payment failures, not due to them actively canceling. While it is both possible and a worthwhile strategy to attempt to win back a customer during the cancellation process — involuntary churn is not intentional and in most cases, your customers aren’t even aware that their payment failed.\n\n### **💰 Bottom line?**\n\nEffective payment optimization does reduce involuntary churn and will increase ARR by as much as 8-10%\n\n### **🎟 What causes payment failures and involuntary churn?**\n\nThere’s no single cause of this problem that can be isolated. In fact, there are dozens of reasons \\[insufficient funds, fraud, expired cards, AVS, SCA, invalid card, etc.\\], and solutions to each failure need to be applied individually. Let’s look at a few examples:\n\n1. **Batch Processing and Fixed-Interval Retries.** The majority of subscription payments and retries are processed in bulk during off-hours. If your customers are based in multiple time zones, this can increase payment failures and reduce the success rate of retries. Remember when you had to notify your bank when you were traveling? The concept is the same, a 3am charge is more likely to get flagged as fraud than a 9am charge.\n2. **Expired Cards or Invalid Card Numbers:** These are frustrating because you think you have to ask your customers to do something, surprisingly there are many cases when you don’t. When you lose a credit card and replace it, do you ever wonder how Netflix still manages to charge you? It’s all thanks to Card Account Updater and Network Tokenization — if you don’t have it implemented, it’s an easy win.\n3. **Customers with Insufficient Funds:** Timing is a critical factor, especially with these types of errors. If they don’t have funds, don’t force it. When retry attempts are spread out or targeted around periods of the month when cash inflow is expected, success rates will go up.\n4. **Payments that are incorrectly classified as fraud:** This can cause financial losses, as well as a negative impact on customer experience. It is important to prevent those legitimate payments from failing.\n\n\\-\n\n# **FLYCODE SOLUTION 💡**\n\n[**FlyCode**](https://www.flycode.com/) leverages ML and AI to provide Payment Optimization and smart payment retries to maximize subscription revenue and reduce churn. We apply a unique model tailored to each Merchant and their customers to ensure optimal results.\n\n⚡️**Automatically** recover failed subscription payments and reduce passive churn\n\n⚡️Use ML & AI based payment optimization to find the **best time** to charge your customers\n\n⚡️ Improve **customer experience** by coordinating payment retries with customer emails/SMS\n\n🛠️ We support **OOTB + Custom Integrations** for Merchants and White-Label for Platforms\n\n### **We’d love your support 🍻**\n\n* **\\[FREE\\] 🎯** Let FlyCode analyze your payment health and show you how much revenue can be recovered https://www.flycode.com/churn-audit-failed-payments\n* Email us for feedback and partnership [hello@flycode.com](mailto:hello@flycode.com)", "url": "https://www.ycombinator.com/launches/GwU-flycode-recover-failed-payments-with-ai-to-increase-arr-growth", "votes": 120, "created_at": "2022-08-04T12:23:08.639Z" } ] }, { "id": 27045, "name": "Argovox", "slug": "argovox", "former_names": [ "Ruffo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/623713958db43f2325683bc120f59f299af5545e.png", "website": "https://www.argovox.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We help healthcare providers increase profitability and cashflow by automating their patient billing and collections processes.\r\n\r\nToday, healthcare providers in the US are leaving up to 20% of their profit margins on the table due to subpar patient billing and collections processes. Billing patients and collecting their payments is a complex process that requires specialized skills and a lot of effort. Traditionally, healthcare providers have done this manually, with limited automation around one-way reminders. This leads to limited engagement with payers and subpar collection results.\r\n\r\nArgovox changes this by making new levels of payer engagement possible at scale. Through both voice and text conversations, our AI agents can engage in complex, multi-turn patient billing and collection conversation. This leads higher engagement with payers and optimal collection results.", "one_liner": "Voice AI agents for patient billing and collections", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1655180175, "tags": [ "Fintech", "Healthcare", "LegalTech", "Call Center", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/argovox", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/argovox.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/623713958db43f2325683bc120f59f299af5545e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1007927, "full_name": "Noe Branagan", "title": "Founder", "founder_bio": "Engineering leader with over 10yrs leading engineering efforts for companies in different stages; Passionate about knowledge sharing and education, especially those that help other developers grow or get people into software development; likes to mentor/coach. If you have anything in mind, send me a message @noeBranagan. Currently, co-founder & CTO @ Ruffo making cross-border real estate transactions easy for everyone. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/noebranagan/", "x_url": "https://twitter.com/noeBranagan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f9c1e0f01e69f72a2393d209c26be6b9b9de88d1.jpg" }, { "user_id": 1013752, "full_name": "Luis Pellerano", "title": "Founder", "founder_bio": "Founder of Ruffo/Argovox (YC S22). Built AI voice agent for patient billing support (Argovox) and app for signature and apostille of cross-border real estate transaction documents (Ruffo).\n\nM&A and capital markets attorney for 8+ years at Simpson Thacher (NYC and Palo Alto).", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/luis-r-pellerano/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/70d18455df6c366c925555b75871912f989e6c49.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 64900, "title": "Ruffo 🏝🏠 Cross-border real estate transactions", "tagline": "We're the simplest way for you to complete the purchase of property abroad", "body": "**TL;DR -** When buying a home abroad, Ruffo lets buyers complete the required documents 100% online instead of having to get on a plane, go to a foreign consulate, or hire a foreign attorney.\n\n🙄 **The problem**\n\nWhen purchasing real estate abroad, signing transaction documents is a huge pain. You either get on a plane to sign in person, take your chances going through a maddening DMV-like experience at the nearest consulate, or pay thousands of dollars to (often questionable) foreign attorneys for signing in your name.\n\nThe risks, hassles, and costs of today’s cross-border document completion process drives many buyers to abandon their purchase halfway through, and forces many other would-be buyers to hold back. On top of stifling the homeownership dreams of buyers, today’s process also costs home sellers, real estate agents and mortgage lenders millions of dollars in lost sales every year.\n\n![](https://lh6.googleusercontent.com/FpPiykbH8NQkTX3KxSy3oAlLOemXqafh-x66kcjUbyD_pEjzWMJlXEP52n0JR8RdR7bmcO9piJm_DJTlNu-qKSdV3UM1IImfwNaMq1gxl1gbA9tY4sS_hcgzrUztnA759US0RIXp9_2I1Rp4o7clYK0)\n\n\n😌 **The Solution**\n\nWe allow buyers to complete, sign and notarize foreign transaction documents from their computer or mobile phone in just minutes. Ruffo generates the relevant transaction documents and connects the buyer to a notary in the U.S. to sign and notarize online. Ruffo then obtains the required government certifications to ensure that the document is legally valid in the foreign country where it will be used. The end result is a seamless foreign document generation and signature experience that saves the buyer time and money, while helping home sellers, real estate agents and mortgage lenders close more sales in less time.\n\n![](https://lh4.googleusercontent.com/8jFLBHCCeTIzLl_WorfdtCVagFyAHhQ1so48F_PnKiWNqP4WRGYqt3XfDytJJN3g24y0SrBsnHdoOHbA6lAurJT8zy6k8AtT7aV6V80DODrnooGLEvFFLSqONSZgBECBy1QIdspfRy-yWtYCs25XQQg)\n\n\n**In the words of one of our customers:**\n\n_“I’ve seen the difficulties other US buyers have gone through when trying to complete their documents \\[for the purchase of property abroad\\]. My experience has been completely different. Ruffo made the process quick and easy. I was able to complete it from my house, without having to go to a consulate or waste money.” -_ Rosa Parra, New York, NY.\n\n🙏🥺 **The Ask**\n\n1. **Introduce us to anyone you know who works (directly or indirectly) in real estate in Mexico, specially in areas frequented by tourists and expats like Cabo, Tulum, and etc.**. Real estate developers, agents, mortgage lenders, home marketplaces, mortgage marketplaces, appraisers, etc. Would love to chat with any of them!\n2. If you or anyone you know is trying to purchase real estate in Mexico or the Dominican Republic, let us know! We’ll make it a lot simpler :)\n3. If you know of anyone who has purchased real estate in a country they did not reside in, send them our way! We’ll pay them to tell us about their experience.\n4. If you have ever had to deal with cross-border paperwork, we’d love to hear about it! Whether you loved or hated the experience, we’ll probably learn something from it and might learn of new ways our platform could create value.", "url": "https://www.ycombinator.com/launches/Gsm-ruffo-cross-border-real-estate-transactions", "votes": 21, "created_at": "2022-07-26T15:57:44.534Z" } ] }, { "id": 27046, "name": "Accountable", "slug": "accountable", "former_names": [ "Hostfi", "Accountable", "Atlas" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4710968823e20b9c7b3a37ba3b9ca6b199fe6ec.png", "website": "https://accountablevr.com", "all_locations": "New York City, NY, USA", "long_description": "Accountable is AI-powered accounting automation for vacation rental property managers. These companies spend money on behalf of hundreds or thousands of property owners on cleaning, maintenance, supplies and repairs. Every dollar has to be paid, tracked, and charged back to the right owner, which most teams still do by hand across disconnected systems.\r\n\r\nAccountable handles payments, cards, approvals and expense tracking in one place, and syncs everything to the tools property managers already use: their property management software, field operations tools and accounting system. The result is fewer people doing data entry, accurate owner statements, and books that close 90% faster.\r\n\r\nServing tens of thousands of properties. ", "one_liner": "Smarter Spending for Vacation Property Managers", "team_size": 2, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1659966857, "tags": [ "Fintech", "Real Estate", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "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/accountable", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/accountable.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://linkedin.com/company/accountablevr", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4710968823e20b9c7b3a37ba3b9ca6b199fe6ec.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": 132397, "full_name": "Shaan Franchi", "title": "Founder", "founder_bio": "Ex-Goldman, Clarity Money.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/891838203-891838203", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c0e17f73fb69762b42a1c7d80b113765a0a00269.jpg" }, { "user_id": 1079986, "full_name": "Avi Singh", "title": "Founder", "founder_bio": "Property Manager (5 Years), 2nd-time founder, ex-Amazon", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/avis1211/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a674b4eac11df1cb05f5b02ec9803c1c5c3bf861.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27047, "name": "Plutto", "slug": "plutto", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/73b6704b442fafacacd64a71fafe1899c3d11a6c.png", "website": "https://getplutto.com/", "all_locations": "Santiago, Santiago Metropolitan Region, Chile", "long_description": "Plutto is a supply-chain risk management and compliance platform for Latin America. We automate due diligence, compliance checks, and conflict-of-interest reviews—helping corporates across LatAm work with vendors and contractors safely.", "one_liner": "Supply-chain risk management and compliance platform for Latin…", "team_size": 20, "industry": "B2B", "subindustry": "B2B -> Infrastructure", "launched_at": 1657201173, "tags": [ "Fintech", "Identity", "Latin America", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Infrastructure" ], "regions": [ "Chile", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/plutto", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/plutto.json", "year_founded": 2022, "city": "Santiago", "country": "CL", "linkedin_url": "https://www.linkedin.com/company/plutto", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/73b6704b442fafacacd64a71fafe1899c3d11a6c.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": 890662, "full_name": "Antonia San Martin", "title": "Founder", "founder_bio": "Worked at Heineken and Nike.\nCo-founded a travel startup for 1 year.\nNow I’m CEO @ Plutto, building verification service for businesses in Latin America.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/antoniasanmartinsola/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eec5d2c3c3657fe3e4bf2fc4dd52b98666c13426.jpg" }, { "user_id": 982126, "full_name": "Felipe Domínguez", "title": "Founder", "founder_bio": "Fullstack Dev for some years, now co-founder @ Plutto. \nI spend a lot of time in the mountains. \n", "is_active": true, "linkedin_url": "http://linkedin.com/in/fdominguezc", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c43fec48919ef86d4ed15645fd81c9af5c1a2280.jpg" }, { "user_id": 547013, "full_name": "Ignacio Márquez", "title": "Founder", "founder_bio": "Graduated as Software Engineer. Worked a couple years as a full-stack developer and scrum master in Platanus, Chile. Co-founded a travel startup for 1 year.\n\nNow I'm CTO @ Plutto, building KYB solutions for Latin America.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ignaciomarquezc/", "x_url": "https://twitter.com/iMarquezc", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/41ca14f3cd19638bf2b82772ff4191cae981864d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 64411, "title": "Plutto, business background checks for LatAm", "tagline": "Meet the business verification tool that increases your on-boarding speed from weeks to minutes", "body": "“I’m sorry but we’re not going to accept your investment. At the moment we’re not taking business clients”. This was the answer we got from a fintech that got us to start Plutto right away.\n\n### **Hey YC!**\n\nWe’re Antonia, Ignacio, Felipe and Sebastián and we’re the co-founders of Plutto! **We help financial services to verify and validate their business customer in minutes for LatAm.**\n\n### **So, what’s the problem?**\n\nBusiness information is all over the place in LatAm.\n\nIf you’re a fintech, bank, payment company, or basically anyone who needs to onboard B2B clients, chances are you spend a lot of time gathering information to know who you are dealing with, and sometimes, to be compliant with the law. This process is called Know Your Business (KYB).\n\nThis a **time-consuming and expensive** process that usually involve lawyers and other people to be completed. **A business can wait up to 3 months to open a bank account in Chile** and other countries in LatAm.\n\nWe allow our clients to solve this problem in a fast and automated way.\n\n### **How does it work?**\n\nThe only thing we need is your client’s company registration number (TIN equivalent) and we **gather the information for you**. This can be done using our dashboard or API. We also help our customers to request private documents that can’t be obtained from any source providing a white label on-boarding form. We also process and review the information of this documents so they don’t have to be manually reviewed.\n\nThe outcome is a company profile with all the information, documents and on-boarding steps our clients need **to make a solid decision.**\n\n### **This is something that had to be done!**\n\nIn previous experiences we struggled with this problem, paying up to $100 per customer on-boarding and waiting weeks until they were done. Some of our clients take less than 10 minutes to validate their users and we charge between 6-20 bucks for it.\n\nAs we hinted at the start, we once tried to invest our company’s money in a Chilean fintech and get rejected because they were not accepting business clients due to this issue. Absolute madness. We started on this idea the following day.\n\n# How can you help us?\n\nAt the moment we’re working with our first 6 clients in Chile and we’re looking to expand to other LatAm countries. Specially Perú, Colombia and Mexico so any of the following **introductions or meetings** will be much appreciated:\n\n* People who **work in the on-boarding or legal team** in a B2B LatAm fintech.\n* Someone who is **an expert in law and regulation for fintech**, banks or any other business that requires KYB (Know Your Business) in 🇵🇪, 🇨🇴, 🇨🇱 or 🇲🇽.\n* Any fintech or company that might need our services in the region.", "url": "https://www.ycombinator.com/launches/Gkt-plutto-business-background-checks-for-latam", "votes": 31, "created_at": "2022-07-07T14:34:17.524Z" } ] }, { "id": 27048, "name": "Payfura", "slug": "payfura", "former_names": [ "Rampay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/63716659153a382d18dd3ed5667bcd754a6aa1c4.png", "website": "https://www.payfura.com", "all_locations": "Delaware City, DE, USA; Delhi, DL, India; Remote", "long_description": "Payfura is a fiat<>crypto on/off ramp payment gateway for web3 applications. We are a bridge between fiat and crypto so web3 applications can seamlessly onboard users across different geographies with local payment methods.\r\n\r\nKey Features:\r\n- Currencies supported: 150+ fiat currencies, 100+ crypto currencies.\r\n- Regions supported: US, Europe, LATAM, SEA, Africa.\r\n- Payment methods: Credit/Debit cards, E-wallets, Bank transfers and many more.\r\n- Partner Dashboard: A powerful dashboard for partners to get detailed insights and analytics for their orders\r\n- Handle KYC and AML compliances of local regions.\r\n- API and SDK integration.", "one_liner": "Global payment gateway to buy/sell crypto", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1655701269, "tags": [ "DeFi", "Fintech", "SaaS", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "India", "America / Canada", "South Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/payfura", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/payfura.json", "year_founded": 2022, "city": "Delaware City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/payfura/", "x_url": "https://twitter.com/payfura", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/63716659153a382d18dd3ed5667bcd754a6aa1c4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1010150, "full_name": "Gajendra Khatri", "title": "Founder", "founder_bio": "Head of Engineering | YC Founder (S22) | AI Agents, RAG, MCP, LLM Orchestration | Node.js, TypeScript, Python | Built 0→1 at Payfura & ExpaHealth | Distributed Systems | Kubernetes | Crypto/Fintech | Open to Remote Roles", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/gajendra-khatri-9955a14a/", "x_url": "https://twitter.com/gkhatri94", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a6a069e08fd8194ae761506ab26df347c36477cc.jpg" }, { "user_id": 852362, "full_name": "Sagar Agarwal", "title": "Founder", "founder_bio": "CTO at Payfura", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/sagar-agarwal-625317a1/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/725968fd96a1729ec2ccf2355bc42e7299c87e99.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 65348, "title": "Rampay - Fiat<>Crypto on/off ramp payment gateway for web3 applications.", "tagline": "Our state of the art APIs makes it seamlessly easy for web3 applications to allow conversion of fiat to crypto and vice-versa on their platform.", "body": "Hi All, we are [Gajendra](https://www.linkedin.com/in/gajendra-khatri-9955a14a/) & [Sagar](https://www.linkedin.com/in/sagar-agarwal-625317a1/), we are super excited to introduce [Rampay](https://rampay.io/)!\n\n### **🚀TL;DR**\n\n[Rampay](https://rampay.io) allows web3 applications like crypto exchanges, wallets, NFT marketplaces etc. to enable their users to convert fiat to crypto and vice-versa using local payment methods of a region.\n\nThe compliance requirements regarding KYC and AML are handled within the solution and the integration is available over API and widget.\n\n### **❓Problem**\n\n* Web3/Blockchain applications need a seamless bridge between fiat and crypto to onboard users globally.\n* Lack of buying/selling crypto with local payment methods of a region.\n* High platform fees and price spread in the existing solutions.\n\n### **🎯Solution**\n\nAt Rampay we are building a next generation payment infrastructure to on/off ramp crypto with fiat, so our partners can grow business across different geographies in a compliant way by just integrating with us. Key features are:\n\n* **Currencies supported**: 150+ fiat currencies, 100+ crypto currencies.\n* **Regions supported**: US, Europe, LATAM, SEA, Africa.\n* **Payment methods**: Credit/Debit cards, SEPA, Apple pay, Google pay, E-wallets, Bank transfers and many more.\n* **Partner Dashboard:** A powerful dashboard for partners to get detailed insights and analytics for their orders\n* Handle KYC and AML compliances of local regions.\n* API and IFrame integration.\n\n### **🚀Flow**\n\n![uploaded image](/media/?type=post&id=65348&key=user_uploads/1010150/a163675c-2eaf-4b33-be5f-5cbdab7c5e60)\n\n![uploaded image](/media/?type=post&id=65348&key=user_uploads/1010150/369310e3-5db1-4d51-84c9-5eb05a97c1f9)\n\n### **📒Backstory**\n\nBoth the founders have around 7 years of experience in the software engineering field, we have worked with small startups to big MNCs, we have been involved in the blockchain space for 4 years now.\n\nAfter having worked with web3 companies, we understood that allowing users to convert their fiat to crypto is a big pain point hindering growth of these companies and solving this requires a lot to be done on the compliance/regulatory side.\n\nAlso, we believe onboarding next billion users to web3 could not be achieved without there being a platform which allows seamless  conversion of fiat to crypto and vice versa with local payment methods of a region.\n\n### **💁Ask**\n\n1. If you are a web3 application looking out for an on/off ramp solution. Do reach out!\n2. If you have built fiat rails for emerging market, we would like to partner with you. Do reach out!\n3. If you have build a crypto liquidity solution, we would like to partner with you. Do reach out!\n\nPlease reach out to us at [gajendra@rampay.io](mailto:gajendra@rampay.io) or message us on [Linkedin](https://www.linkedin.com/in/gajendra-khatri-9955a14a/).\n\n### **Thanks**\n\nFeel free schedule a chat/demo with us at . Feedback is very welcome!", "url": "https://www.ycombinator.com/launches/H00-rampay-fiat-crypto-on-off-ramp-payment-gateway-for-web3-applications", "votes": 38, "created_at": "2022-08-13T18:19:59.713Z" } ] }, { "id": 27049, "name": "Anchor", "slug": "anchor", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d9e510d39cddedba8ade2150d4c3b5cb572aa10.png", "website": "https://getanchor.co/", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Anchor provides APIs, dashboard and tools that help developers easily embed and build banking products. This includes APIs for creating bank accounts, funds transfers, savings products, issuing cards and offering loans.\r\n\r\nWe also provide regulatory coverage and continuous compliance support to our partners.", "one_liner": "Embedded finance platform for African businesses", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1660159414, "tags": [ "Banking as a Service", "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/anchor", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/anchor.json", "year_founded": 2022, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/getanchor/", "x_url": "https://twitter.com/withanchor", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d9e510d39cddedba8ade2150d4c3b5cb572aa10.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 1013452, "full_name": "Segun Adeyemi", "title": "Founder", "founder_bio": "Segun is the CEO & Co-founder of Anchor, the BaaS and embedded finance platform for Africa. He is an entrepreneur with years of experience in the African fintech space. He previously co-founded Amplifypay, a payment company that he sold in 2019 and helped JUMO expand into Nigeria.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/segunadeyemi/", "x_url": "https://twitter.com/segunhq", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/06e1a34db0714b0d07368961fbc16a5ea37f2754.jpg" }, { "user_id": 571824, "full_name": "GBEKELOLUWA OLUFOTEBI", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://nl.linkedin.com/in/olufotebig", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/97ed80bafc2987d9c0e0ffe038ce8b8808b34a62.jpg" }, { "user_id": 1013961, "full_name": "Olamide Sobowale", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/olamide-sobowale-4677a261/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e831db026386a761c793766a60416822fd47ed0a.jpg" } ], "jobs": [], "news": [ { "title": "Nigerian banking-as-a-service startup Anchor raises $1m pre-seed round - Disrupt Africa", "url": "https://disrupt-africa.com/2022/09/02/nigerian-banking-as-a-service-startup-anchor-raises-1m-pre-seed-round/", "date": "Sep 02, 2022" }, { "title": "Nigerian YC-backed startup Anchor comes out of stealth with $1M+ to scale its banking-as-a-service platform – TechCrunch", "url": "https://techcrunch.com/2022/08/29/nigerian-yc-backed-startup-anchor-comes-out-of-stealth-with-1m-to-scale-its-banking-as-a-service-platform/", "date": "Aug 29, 2022" } ], "launches": [ { "id": 65296, "title": "Anchor - Banking as a service platform for Africa", "tagline": "Build accounts, cards, savings and payments into any app! 🚀", "body": "Hey YC Fam! 👋\n\nSegun, Olamide and Gbeke here to introduce [Anchor](https://bookface.ycombinator.com/company/27049)!\n\n**_TL;DR_: Anchor makes it easy to offer accounts, money movement, savings and card products in Africa. We provide APIs, dashboard and regulatory support for developers to build, embed and launch banking products.**\n\nCheck out our documentation [here](https://docs.getanchor.co/reference/overview) & request invite [here](https://airtable.com/shr4yvnnM9obXKhVe).\n\nWe released our private beta in May. We’ve signed-on 30+ companies including the largest telco in Africa and YC companies like [Fingo](https://bookface.ycombinator.com/company/23986), [Pivo](https://bookface.ycombinator.com/company/27262), [Tizeti](https://bookface.ycombinator.com/company/1442), [Curacel](https://bookface.ycombinator.com/company/25684), etc.\n\n**Why we built this**\n\nAcross Africa today, businesses spend \\~$0.5m and wait 18months before they can go to market with simple banking products. \n\nThis is because they have to cross many hurdles including:\n\n1. rigorous licensing and compliance processes; \n2. build many integration layers; \n3. manage complex banking and third party relationships; and \n4. invest in complicated core-banking infrastructure\n\nAs founders, we witnessed these pain first-hand in our experience building and working with fintechs. \n\nWe built Anchor to abstract away the complexities, so businesses can get started in 5minutes with a few lines of code.\n\n![uploaded image](/media/?type=post&id=65296&key=user_uploads/1013452/304627b7-0a38-43d9-a652-516420774395)\n\n**Who we are**\n\nWe are repeat founders with experience in the fintech space. Segun sold his previous payment company to [Carbon](https://getcarbon.co) and worked at [JUMO](https://jumo.world/). Olamide & Gbeke have worked with top African fintechs like [Kuda](https://kuda.com/), Carbon, and [TeamApt](https://teamapt.com/), and global tech giants like Google and [Booking.com](http://Booking.com).\n\n**Our ask 🙏**\n\n1. Contact us if you want to offer wallets, accounts, cards or savings products to your African customers.\n2. Connect us with digital businesses (fintechs, Saas companies, marketplaces/e-commerce platforms, etc).  \\\n \\[\\*\\*_\\* Quick forwardable blurb_\\*\\*_: A team of YC-backed, fintech engineers recently released an API to help developers build banking products. Check them out at_ [_getanchor.co_](http://getanchor.co) _and contact_ [_founders@getanchor.co_](mailto:founders@getanchor.co)_\\]_\n\n ", "url": "https://www.ycombinator.com/launches/GzA-anchor-banking-as-a-service-platform-for-africa", "votes": 19, "created_at": "2022-08-11T13:36:59.717Z" } ] }, { "id": 27054, "name": "Ekho", "slug": "ekho", "former_names": [ "Ekho", "AirDealer", "Airdealer", "Ekho Dealer" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ba6801f432e8bfe7e4b8428c160da89816133ee9.png", "website": "https://www.ekho.com", "all_locations": "New York City, NY, USA", "long_description": "Ekho's end-to-end vehicle commerce platform powers compliant, digital sales of titled vehicles. Our platform handles checkout, financing, titling, registration, signature collection, and taxes—so dealers and OEMs can sell nationwide with a seamless, Tesla-like experience. Dealers use Ekho Dealer as a “dealership-in-a-box” to capture online sales and automate in-store deals without needing large back-office teams, while OEMs use Ekho Access and Omni to extend their reach and unify dealers across sales channels.", "one_liner": "Shopify for vehicles", "team_size": 30, "industry": "B2B", "subindustry": "B2B -> Supply Chain and Logistics", "launched_at": 1677784119, "tags": [ "Auto Commerce", "Fintech", "Compliance", "Automotive" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Supply Chain and Logistics" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ekho", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/ekho.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ekho-dealer", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ba6801f432e8bfe7e4b8428c160da89816133ee9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 775955, "full_name": "Christopher Howard", "title": "Founder", "founder_bio": "Cofounder at Ekho Dealer. 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This includes financing, insurance, titling, registering, and scheduling the delivery of their new vehicle (all without visiting a physical dealership).\n\n![uploaded image](/media/?type=post&id=69887&key=user_uploads/772580/5063ac06-f7d3-48a1-8087-1a47418caa42)\n\n# **How it works 🛠️**\n\nOn the backend, we take care of all the complicated regulatory requirements that come with selling vehicles online. This includes calculating and collecting sales tax, filing registration/titling forms and fees with the DMV, maintaining a portfolio of licenses, and complying with lending regulations when providing financing. On the front end, our website integrations leverage our infrastructure to compliantly process vehicle sales.\n\n# **Our backstory 🪞**\n\n* Rowan and Chris met at Stanford where they both studied computer science\n* They built a bunch of fun stuff together while in college\n* Rowan is from South Africa, is a world champion public speaker, and previously worked on the product team at Duolingo\n* Chris is from Atlanta, is a published researcher, and previously worked as a Machine Learning Engineer at Meta\n\n![uploaded image](/media/?type=post&id=69887&key=user_uploads/772580/355353b5-9c41-4e77-bd8d-cafabab91b78)\n\n# **Our ask 🙏**\n\n1. **If you know someone in vehicle manufacturing** (motorcycles, cars, RVs, trailers, ATVs, UTVs, LEVs, NEVs, golf carts, snowmobiles, etc.), ping us at [founders@ekhodealer.com](mailto:founders@ekhodealer.com) or direct them to our [inbound form](https://www.ekhodealer.com/#website-inbound) if you think they’ll find this interesting\n2. If you like what we are building, share and upvote!", "url": "https://www.ycombinator.com/launches/IBD-ekho-dealer-enabling-manufacturers-to-sell-their-vehicles-online", "votes": 214, "created_at": "2023-03-02T21:40:12.000Z" } ] }, { "id": 27086, "name": "AiPrise", "slug": "aiprise", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/770962df89cc8c39a3d3d7296d9e2bc0f02b1ea2.png", "website": "https://aiprise.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Verify your customers globally with a single platform. 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$130K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 110847, "title": "Senior Manager, Revenue Partnerships", "url": "https://www.ycombinator.com/companies/aiprise/jobs/GsZq5xU-senior-manager-revenue-partnerships", "location": "San Jose, CA, US / Remote (New York, NY, US; Atlanta, GA, US; San Jose, CA, US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$120K - $160K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112057, "title": "Performance Marketing Manager", "url": "https://www.ycombinator.com/companies/aiprise/jobs/enmJTWS-performance-marketing-manager", "location": "San Jose, CA / New York City", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$120K - $150K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112059, "title": "Senior Product Marketing Manager", "url": "https://www.ycombinator.com/companies/aiprise/jobs/xKvR9Zl-senior-product-marketing-manager", "location": "San Jose", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$140K - $170K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 113075, "title": "Senior Manager, Revenue Partnerships", "url": "https://www.ycombinator.com/companies/aiprise/jobs/dNoy89t-senior-manager-revenue-partnerships", "location": "Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116447, "title": "Software Engineer II, Frontend (Bangalore, India)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/Oj00FKI-software-engineer-ii-frontend-bangalore-india", "location": "Bengaluru", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹3M - ₹5M INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 116451, "title": "Software Engineer II, Full Stack (Frontend Focused) (Bangalore, India)", "url": "https://www.ycombinator.com/companies/aiprise/jobs/zrL3BmH-software-engineer-ii-full-stack-frontend-focused-bangalore-india", "location": "Bengaluru", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹3M - ₹5M INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "AiPrise raises $12.5M to unify global KYB", "url": "https://www.axios.com/pro/fintech-deals/2025/10/08/aiprise-12-million-global-compliance", "date": "Oct 08, 2025" }, { "title": "Announcing our $2M raise | AiPrise", "url": "https://aiprise.com/blog/post/announcing-our-2-m-raise", "date": "Nov 01, 2022" } ], "launches": [ { "id": 77760, "title": "BusinessID by AiPrise 🚀 - Onboarding and verifying businesses made easy", "tagline": "Say goodbye to cumbersome onboarding processes and welcome a streamlined approach to business verification.", "body": "At [AiPrise](https://aiprise.com/), we are thrilled to unveil BusinessID, an innovative solution set to transform Know Your Business (KYB) checks, ushering in a new era of speed and efficiency. Say goodbye to cumbersome onboarding processes and welcome a streamlined approach to business verification.\n\n### **Why?**\n\nImagine you want to onboard a business on your platform. Here is what the traditional verification setup looks like - \n\n**Step 0:** Design a complicated Typeform (Requires 7-10 days)\n\n**Step 1:** Send a Google / Typeform link to the business/merchant to collect the following information about the company -\n\n* Name & Tax ID\n* Legal Information\n* UBO Information / Ownership Structure\n* Website Information\n* Registration documents \n* Address Proof\n* UBO Identity documents\n\n**Step 2:** Semi-automated validation of the above information (4-5 days)\n\n* Lookup business Tax ID and name in the local business registry\n* Order OFAC/AML/Sanctions/Adverse Media checks on the business\n* Document verification / KYC checks on each UBO + Legal Representative\n* Order OFAC/AML/Sanctions/Adverse Media checks on each UBO\n* Manually verify address proof\n* Follow up with customer for any missing information\n\n**Step 3:** Risk Analysis (0.5-1 hour)\n\n* Manually go through the website\n* Lookup business information and employee count on LinkedIn\n* Google search of the business to get insights on customer reviews/news articles, etc.\n* Manually go through provided documents and completely rely on intuition to spot fraudulent documents\n\n**Challenges of Traditional Verification:**\n\n* Time-consuming\n* Relies on inconsistent data sources\n* Difficulty scaling with diverse regulations across multiple geographies\n* Prone to fraud due to manual verification errors\n\n### **What is BusinessID?**\n\nBusinessID is a robust, comprehensive tool that drastically cuts down the time spent on verifying companies. This platform has a customizable onboarding UI, risk-based workflows, a case management tool, and country-specific templates.\n\n* **Customizable Onboarding Experience:** Tailored UI for efficient and brand-aligned verification.\n* **Comprehensive Verification Suite:** Streamlined business registry lookups, tax/VAT checks, and beneficial owner verification.\n* **Global Coverage with Local Precision:** Services in over 100 countries, ensuring compliance and thorough verification.\n* **Enhanced Risk Mitigation**: Advanced tools for fraud prevention and thorough due diligence.\n* **UBO Verification**: Seamless KYC on ultimate beneficial owners\n* **Access to Government Registries:** Where accessible, for authentic documentation\n\n### **How does it work?**\n\n[Watch BusinessID in action](https://youtu.be/wv7gybUpR2s)\n\n🤖 **Automated Verification at Its Finest**\n\nBusinessID conducts thorough checks within minutes, including:\n\n* Business registry lookup\n* Tax/VAT number verification\n* Beneficial owner verification\n* Address, phone, email, and website verification\n* Online presence analysis\n* Registration document verification\n* Document extraction from government registries \n* Occupation/nature of business checks\n* Sanctions, PEP, and adverse media checks\n\n**🚀 Elevate Your Business with BusinessID**\n\nBusinessID is more than a tool – it's a transformative solution for businesses seeking efficiency, security, and compliance. Don't let outdated KYB processes hold you back.\n\n**👉 Ready to Experience the Future of KYB Checks?**\n\nVisit us at [AiPrise](https://aiprise.com) to schedule your demo and see how BusinessID can revolutionize your business verification process.", "url": "https://www.ycombinator.com/launches/KEC-businessid-by-aiprise-onboarding-and-verifying-businesses-made-easy", "votes": 16, "created_at": "2024-01-23T15:00:37.955Z" }, { "id": 65290, "title": "AiPrise: Identity Verification Made Simple", "tagline": "Harness the power of all identity vendors through one platform", "body": "tl;dr We let you ensure that your users are really who they claim to be. We do this by integrating with multiple vendors and exposing them all through one single platform.\n\nHey everyone, Rushabh & Chaitanya here. We’re a team of enthusiastic product builders. Chaitanya brings 4+ years of experience in the Trust and Safety space as a tech lead from Google, while Rushabh brings an in-depth experience in building developer focussed products through his role as a Staff Engineer at Meta. We are super excited to publicly announce the launch of AiPrise. **We officially went live with our first few customers in just under 45 days!**\n\n### **⚠️ Problem**\n\nDoes your platform require you to know who your customers are (aka - KYC / identity verification)?\n\nPeople who have hunted for KYC/KYB providers in the past are probably already thinking - “Oh ok - here goes one more KYX provider”.\n\n_Hint: We aren’t yet another KYX provider_\n\nTrue identity verification is super challenging. **No one** provider is usually sufficient to meet all your needs. Each country has different compliance requirements, each platform has a different risk appetite, and simply checking the KYC boxes is usually not enough to prevent real fraud on a platform.\n\nOn an average, a company ends up integrating with **10+ identity providers** over time. Layering multiple vendors is not just more fraud proof, but also cost effective in certain cases.\n\nInteresting stuff we heard from other companies:\n\n1. **Cost Optimization** Local providers tend to be cheaper for a given region, but have limited coverage. Use a local provider for requests from a certain country, if it fails - fall back to a more expensive global provider.\n2. **Device Attributes:** Regular KYC checks have become too easy for fraudsters. In one case, fraudulent users gained access to legitimate IDs, but the attack was thwarted as all the requests came in with a specific screen resolution set by a bot farm.\n\nWe can go on and on about the list here, But the gist is that on an average, a company ends up writing **100+ rules** using a varied combination of APIs just to prevent account opening scams.\n\nThink about the complexity of the decision engine over time and the resources it takes to maintain them!\\\n\\\n**💡 Solution**\n\nMeet AiPrise: AiPrise provides companies with a single platform with pre-integrated APIs to pick and choose from and easily manage their identity stack.\n\nYou can quickly drag and drop the vendors that best suit your needs into a workflow, add conditional logic on top of it and voila! You are done!\n\nNo more talking to 10 different vendors and negotiating contracts with them. No more reading through the docs of 10 different vendors and integrating them one by one. **You only need to integrate with us once, and get access to all the APIs you need on the go!**\n\nWe already have 15+ vendors integrated on our platform - enabling not just the usual documentary checks, but also KYB and fraud detection.\n\n![uploaded image](https://bookface.ycombinator.com/media/?type=post&id=65290&key=user_uploads/991872/05cd0a28-d59c-41ed-bda5-673ef156fd3c)\n\n_Glimpse of how you can manage your identity stack with AiPrise_\n\n**What’s more?**\n\n1. We also provide a client-side SDK with completely customizable onboarding screens, that you can integrate with in less than a day.\n2. AiPrise also comes with a set of predefined templates to get you compliance ready super quickly!\n3. Don’t see the API you need? Just shoot us an email and we will work with the API provider to make it available for you.\n\nAt AiPrise, we believe that identity verification is essential to establishing trust on any platform, and that it should be available to startups and big enterprises alike. Hence - **our platform has 0 upfront costs**!\n\n## **Asks**\n\n1. If you are using an existing KYC provider or are looking for one, we can help you future proof your compliance needs. Do reach out! \n2. If you have insights / experience in this space - we would love to learn from you! Please drop a comment and we will reach out to you.\n\nPlease reach out to us at [founders@aiprise.com](mailto:founders@aiprise.com) and we are happy to help set up your compliance and customer onboarding policy.\n\n**Thanks**\n\nFeel free schedule a chat/demo with us at . Feedback is very welcome!", "url": "https://www.ycombinator.com/launches/Gz4-aiprise-identity-verification-made-simple", "votes": 35, "created_at": "2022-08-11T06:42:56.668Z" } ] }, { "id": 27094, "name": "nsave", "slug": "nsave", "former_names": [ "Masref" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7bc3b22de4f9bb839b5daa69fa3ee21bb19e5fb.png", "website": "https://www.nsave.com", "all_locations": "London, England, United Kingdom", "long_description": "nsave is a fintech that provides trusted $€£ accounts abroad for people from countries where inflation is high and banking is broken.", "one_liner": "Trusted $€£ accounts abroad for people from unstable economies.", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1659872123, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/nsave", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/nsave.json", "year_founded": 2022, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/nsavecom", "x_url": "https://twitter.com/withnsave", "fb_url": "https://www.facebook.com/nsavecom", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7bc3b22de4f9bb839b5daa69fa3ee21bb19e5fb.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 794827, "full_name": "Amer Baroudi", "title": "Founder", "founder_bio": "Syrian-born entrepreneur and Rhodes Scholar, Amer holds two degrees from the University of Oxford and is a governance, policy, and finance expert. He co-founded award-winning international companies, built properties in Europe, served as the founding president of the Oxford Syria Society, and advised clients ranging from government authorities to a Premier League FC. He is a tireless optimist, an expert problem solver, and, secretly, a music composer.\n\nAmer is co-founder & CEO at nsave.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/amer-baroudi/", "x_url": "https://twitter.com/Baroudi_Amer", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/329c71a87206f7915e0c725f1f36dad9e21eb33c.jpg" }, { "user_id": 577114, "full_name": "Abdallah AbuHashem", "title": "Founder", "founder_bio": "Abdallah is the Co-founder of Masref. He is a Rhodes Scholar from Gaza, Palestine and a Stanford alum having worked at a number of Silicon Valley companies and startups. In his free time, Abdallah plays chess (yes because of the Queen's Gambit), reads books, and repeats watching the same 3 TV shows.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aabuhash/", "x_url": "https://twitter.com/aabuhashem", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3173a1438dd4bff96ba1ea541d0d9162276f9715.jpg" } ], "jobs": [ { "id": 82144, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/nsave/jobs/aaWByx1-backend-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "£1 GBP", "equity_range": "", "experience": "6+ years", "visa": "Will sponsor", "skills": [] } ], "news": [ { "title": "Sequoia, Y Combinator Join Fundraising by UK-Swiss Fintech Startup Nsave - Bloomberg", "url": "https://www.bloomberg.com/news/articles/2025-01-10/sequoia-y-combinator-join-fundraising-by-uk-swiss-fintech-startup-nsave", "date": "Jan 10, 2025" }, { "title": "Swiss fintech nsave gets $4M to enable people from unstable economies open offshore accounts | TechCrunch", "url": "https://techcrunch.com/2024/03/22/nsave-gets-4m-seed-funding/", "date": "Mar 22, 2024" } ], "launches": [ { "id": 79615, "title": "🇨🇭nsave 🔒 - Trusted $€£ account abroad for people from unstable economies.", "tagline": "Helping people from countries where inflation in high and banking is broken protect their money and access safe financial services.", "body": "Hello! Amer from [nsave](https://www.nsave.com) here.\n\n[nsave](https://www.nsave.com) opens a trusted $€£ account abroad for people from unstable economies.\n\n![uploaded image](/media/?type=post&id=79615&key=user_uploads/794827/4e721169-1c41-4ff6-bfb8-c98bdce7309e)\n\n**Why?** 🔥\n\nI grew up in Syria and saw my family lose their life savings due to inflation and the inability to open a safe bank account abroad after the war.\n\nUnfortunately, when you come from a distressed country, banks label you as a \"high-risk\" client and, in most cases, refuse to provide banking services.\n\nI worked abroad in the black market for two years, and when I had to move again, I traveled with my savings in cash, literally strapped to my body.\n\nI had no choice. And like me, there are 700 million people globally who don't have access to safe banking purely because of their origin. This is wrong.\n\nThat's why we started nsave. Because everyone deserves the right to protect their hard-earned money in a safe place, regardless of where they come from.\n\n**Who are we?** 😃\n\n[Amer](https://www.linkedin.com/in/amer-baroudi/) (CEO), and [Abdallah](https://www.linkedin.com/in/aabuhash/) (CTO), two Rhodes Scholars who grew up in Damascus and Gaza and had destiny bring us to meet in Oxford. Together with an incredible team, we are on a mission to build a more inclusive global financial system.\n\nCollectively, we have experience in banking, regulatory compliance, and fintech and have worked for Morgan Stanley, Revolut, EY, Checkout, BNYM, Microsoft, and Robinhood.\n\n![uploaded image](/media/?type=post&id=79615&key=user_uploads/794827/946ee2f8-89c1-4ee7-8711-1588765b4059)\n\n**Our ask** 🙏\n\n* **Help spread the word:** tell your friends from **Lebanon** 🇱🇧, **Egypt** 🇪🇬, **Argentina** 🇦🇷, or similar countries 🌍 that suffer from high inflation about [nsave](https://www.nsave.com).\n * Quick blurb to copy & paste: _The nsave team 🇨🇭 is on a mission to provide trusted $€£ accounts abroad to people from unstable economies. Check them out at _[_www.nsave.com_](http://www.nsave.com/)_._\n* Show some love on social media: [LinkedIn](https://www.linkedin.com/company/nsavecom/), [Instagram](https://www.instagram.com/nsavecom/), [Twitter](https://twitter.com/withnsave), [Facebook](https://www.facebook.com/nsavecom).\n\nOur hope is to help as many people as possible. And if you are among the fortunate ones who don't need an nsave account, I hope you will support us in our endeavour.\n\nSincerely,\n\nAmer\n\nCo-Founder & CEO", "url": "https://www.ycombinator.com/launches/Ki7-nsave-trusted-account-abroad-for-people-from-unstable-economies", "votes": 31, "created_at": "2024-03-22T16:10:20.869Z" } ] }, { "id": 27137, "name": "PrimeVault", "slug": "primevault", "former_names": [ "Exchecker", "Excheqr" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c063ef6501ec4e09baa9f49d2abc635ba2fa65b8.png", "website": "https://www.primevault.com", "all_locations": "Bengaluru, KA, India; Remote", "long_description": "PrimeVault is the all-in-one digital asset and stablecoin platform for enterprises and financial institutions. Built for modern finance, PrimeVault combines secure wallets, programmable treasury, compliance, and market access in one seamless solution. \r\n\r\nWith robust security and modular infrastructure, PrimeVault empowers institutions to issue, manage, and move digital assets at scale.\r\n\r\nDiscover how we makes digital asset finance simple at primevault.com.", "one_liner": "Infrastructure powering stablecoin and digital finance", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1659127326, "tags": [ "Fintech", "Crypto / Web3", "Payments", "B2B", "Infrastructure" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/primevault", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/primevault.json", "year_founded": 2022, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/primevault", "x_url": "https://twitter.com/primevaultHQ", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/excheqr", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c063ef6501ec4e09baa9f49d2abc635ba2fa65b8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 982839, "full_name": "Prashant Upadhyay", "title": "Founder", "founder_bio": "Co-founder @ PrimeVault - turnkey technology platform for enterprises and financial institutions to launch and scale their digital assets use case: stablecoin-powered payments and issuance, RWA tokenization, crypto trading / brokerage and more. Formerly, first PM @ Rippling (YC W17) building and scaling payroll, payments, compliance, risk and accounting products. Math, payments and travel nerd.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/prashant-upadhyay/", "x_url": "https://twitter.com/prashantupd", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/17bbdd3ebf93ec39702cd94d4953478a00f5aa0c.jpg" }, { "user_id": 587423, "full_name": "Vivek Kumar", "title": "Founder", "founder_bio": "Co-founder @ PrimeVault,\nFormer Tech lead at Rippling", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vivek-kumar-578013119/", "x_url": "https://twitter.com/vivek_kumar_15", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/201e6eab4b6bcbcb45124b879c90179fe3e3a9b3.jpg" } ], "jobs": [ { "id": 65428, "title": "Full-time Backend Engineer", "url": "https://www.ycombinator.com/companies/primevault/jobs/zH4amoV-full-time-backend-engineer", "location": "IN / Remote (IN)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$40K - $45K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 79609, "title": "Marketing & Growth Lead ", "url": "https://www.ycombinator.com/companies/primevault/jobs/3FXwQzR-marketing-growth-lead", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN / Dubai, Dubai, AE", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$20K - $34K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "YC-backed PrimeVault Builds the Future of Institutional DeFi - Decrypt", "url": "https://decrypt.co/154919/yc-backed-primevault-builds-the-future-of-institutional-defi", "date": "Sep 04, 2023" }, { "title": "Enterprise insights from YC S22 Demo Day | Wing Venture Capital", "url": "https://www.wing.vc/content/enterprise-insights-from-yc-s22-demo-day", "date": "Sep 15, 2022" }, { "title": "Crypto and web3 stands out in the YC Summer 2022 batch", "url": "https://techcrunch.com/2022/09/07/y-combinator-crypto-investment-summer-2022/", "date": "Sep 07, 2022" } ], "launches": [] }, { "id": 27142, "name": "Invofox", "slug": "invofox", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1f26d831f2c3961adfb05a98f923a285cd1aa50e.png", "website": "https://invofox.com?utm_source=yc", "all_locations": "Madrid, Community of Madrid, Spain; Remote", "long_description": "Software teams in 150+ companies solve their document processing needs using Invofox.\r\nWe are a good option for you if:\r\n- Great accuracy is a requirement in your business (we guarantee +99% as part of our SLAs, written in our contracts)\r\n- You want a simple and easy to understand pricing (we charge per page, and any documents were you report back an error are completely free)\r\n- You want a system that just works, and that gets better over time (Invofox learns automatically with feedback)\r\n\r\nYou can try it with this link and get an extra 250 pages for free: https://go.invofox.com/ooVVIw", "one_liner": "Invofox is the document parsing and data extraction API for software…", "team_size": 12, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1660657383, "tags": [ "Fintech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Spain", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/invofox", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/invofox.json", "year_founded": 2022, "city": "Madrid", "country": "ES", "linkedin_url": "https://www.linkedin.com/company/invofox/", "x_url": "https://twitter.com/invofoxhq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1f26d831f2c3961adfb05a98f923a285cd1aa50e.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": 842901, "full_name": "Alberto Gimeno", "title": "Founder", "founder_bio": "Computer scientist and mathematician.\nWorked for years as a developer before discovering my true passion in sales.\nReach out if you're intested in literature, crossfit or baseball.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gimenoalberto", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/517d57a26c22d77c1e1c32bd56198c19869bfcde.jpg" }, { "user_id": 1012426, "full_name": "Carmelo Juanes", "title": "Founder", "founder_bio": "Computer scientist and mathematician. Former researcher at CSIC. Full stack developer focused on web technologies. Talk to me about parkour, bouldering and inline skating!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/carmelojuanes/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/199e6f11f7ad23eeee6043adc634922155c50668.jpg" }, { "user_id": 1012489, "full_name": "Adrian Ramirez", "title": "Founder", "founder_bio": "Computer Engineer and Mathematician with a demonstrated history of working in the research industry. Highly skilled in many programming languages with extensive knowledge of ML and DL.\nHobbies include hiking, bouldering, soccer and beer brewing.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adrian-ramirez-delrio/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fbbecad89ac6355c8de92feec4eafd2de6a8693e.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 119173, "title": "Invofox – Turn any document into structured, validated JSON", "tagline": "Invofox is the document processing API for software teams: send us any PDF or image and get accurate, validated structured data back.", "body": "Hey everybody! 👋\n\nWe’re [Alberto](https://www.linkedin.com/in/gimenoalberto/?isSelfProfile=true), [Carmelo](https://www.linkedin.com/in/carmelojuanes/) and [Adrian](https://www.linkedin.com/in/adrian-ramirez-delrio/), the founders of [Invofox](https://www.invofox.com/en/).\n\nWhen we first launched on YC four years ago, Invofox extracted data from invoices.\n\nOver these past few years we expanded to all types of documents, grew to serve +150 software teams across Europa and the US, and processed tens of millions of documents for them.\n\nToday we're excited to launch something new: a fully self-serve API to turn virtually any business document into structured, validated data.\n\n\n\n## TL;DR\n\nSend Invofox a PDF or image. We handle the document processing pipeline and return clean, structured JSON.\n\nMortgage documents, Invoices, bank statements, payslips, receipts, bills of lading, insurance documents, healthcare documents, or your own custom document type.\n\nAnd starting today, anyone can sign up and try the entire product without talking to us first.\n\nUpload your own documents, see the results, define what you want to extract, and integrate the API.\n\nFor the launch, new users get 1,500 pages free.\n\n## The problem\n\nLLMs have made extracting information from a document look deceptively easy.\n\nUpload a PDF. Write a prompt. Get some JSON back.\n\nThe hard part starts when you need to do this reliably in production across thousands or millions of real-world documents.\n\nDocuments arrive rotated, scanned badly, bundled together, in different languages and layouts. You need to split them, classify them, extract nested fields and line items, validate the output, deal with edge cases, measure accuracy, handle failures and continuously improve the system.\n\nAnd one wrong field can be enough to break the workflow downstream.\n\nWe kept seeing software teams build increasingly complicated document-processing infrastructure around models that were supposed to eliminate that infrastructure in the first place.\n\n## We are extraction-first\n\nThere’s an important distinction in how we’ve built Invofox.\n\nMany document-processing products started with parsing: OCR, converting PDFs into text, understanding layout, or making documents searchable. Data extraction then became a natural extension of that product.\n\nWe came at the problem from the opposite direction.\n\nOur core problem has always been: **how do we get the exact data a customer needs out of a document, correctly, every time?**\n\nParsing is one component of that problem, but it isn’t the end product.\n\nThat difference has shaped almost everything about Invofox.\n\nOur technology is optimized around extraction accuracy, not simply producing a good representation of the document.\n\nOur validation layer is designed to catch extraction errors before they reach downstream systems.\n\nOur pricing is built around successfully processed documents rather than tokens, model calls, or pages of parsed text — in fact, if you use Invofox, **documents were we make any mistake are completely free**.\n\nAnd our operations are built around continuously finding and fixing the difficult edge cases that appear in production.\n\nThe goal is not to give you a cleaner PDF.\n\nThe goal is to give your software the right data.\n\nEspecially on the documents where extraction gets difficult.\n\n![uploaded image](/media/?type=post&id=119173&key=user_uploads/842901/85693ce9-c948-4c52-b00f-bf70b1954104)\n\n## What we built\n\nInvofox gives developers one API for the entire document processing pipeline.\n\nSend us a document and we handle:\n\n* Parsing and OCR\n* Splitting files containing multiple documents\n* Document classification\n* Structured data extraction (with support for custom schemas)\n* Tables and line items\n* Validation and confidence checks\n* Production monitoring and continuous improvement\n* Delivery through our API and webhooks\n\nYou can use one of our pre-built document types or define exactly what you want returned.\n\nThe output is structured JSON that can go directly into the rest of your application.\n\nSend your documents to our API and don’t worry about the details: which models to use, how to prompt them, what OCR or parsing techniques will improve your results. You don’t really care about any of that: you just want to get the right data, reliably, at the right price.\n\nToday, 150+ companies use Invofox across accounting, financial services, mortgage, insurance, healthcare, logistics and other document-heavy industries.\n\n![uploaded image](/media/?type=post&id=119173&key=user_uploads/842901/3519832a-82b8-43c0-96cd-697a9611acc2)\n\n## Why we obsess over accuracy\n\nAfter processing tens of millions of real-world documents, we've learned that field-level accuracy alone is a misleading metric.\n\nIf you extract 50 fields from a document and get one important field wrong, that document may still require a human to review it.\n\nSo we measure whether the entire document is correct.\n\nOur production accuracy is above 99%, we guarantee this level of quality as part of our SLAs, and we back that up commercially: **if you report an incorrectly processed document, you don't pay for it**.\n\nWe want the incentive to be simple: we make money when the automation actually works.\n\n![uploaded image](/media/?type=post&id=119173&key=user_uploads/842901/947b61ee-a20b-44e0-acf8-8a8858a67f42)\n\n## Why self-serve now?\n\nUntil today, trying Invofox generally meant talking to our team first.\n\nThat increasingly felt wrong.\n\nWe're infrastructure for software teams. The best way to evaluate infrastructure isn't to watch our sales deck or take our word for how accurate it is.\n\nIt's to throw your own data at it.\n\nSo now you can.\n\nCreate an account, upload the ugliest documents you have, inspect the output, and decide for yourself whether it's good enough to put into production.\n\nNo sales call required.\n\n![uploaded image](/media/?type=post&id=119173&key=user_uploads/842901/c34993ab-435d-4f29-8921-780561dbf701)\n\n## A little backstory\n\nThe three of us met studying mathematics and computer science in Spain.\n\nWe originally came across this problem while building software that needed to extract data from business documents. Like a lot of engineers today, our first reaction was essentially: surely this has already been solved.\n\nIt hadn't.\n\nWe joined YC in S22 with a product focused on invoice extraction.\n\nSince then, customers kept bringing us adjacent problems: bank statements, mortgage documents, payslips, insurance documents, logistics paperwork, healthcare documents and many others.\n\nThe document types changed, but the problem was always the same: reliably turning messy, unstructured documents into data that software could actually use.\n\nOver time, what started as an invoice extraction product became infrastructure for processing unstructured business documents in general.\n\nThis launch is the first time we're making that entire product available for anyone to try on their own.\n\n![uploaded image](/media/?type=post&id=119173&key=user_uploads/842901/dec02fd5-b1cd-41ab-ab2f-199dd9b68a5d)\n\n## Our ask 🙏\n\nWe'd love two things from the YC community:\n\n1. Try Invofox on your hardest documents. We're giving new users 1,500 free pages for the launch. If you find something we can't handle well, I genuinely want to see it.\n2. If your company is building a workflow that involves humans reading PDFs or images and typing information into software, we'd love to talk. There's a good chance that workflow can now be automated.\n\nYou can get started at [invofox.com](http://invofox.com).\n\nAnd if you try it, please send us feedback, especially the bad stuff!", "url": "https://www.ycombinator.com/launches/V09-invofox-turn-any-document-into-structured-validated-json", "votes": 10, "created_at": "2026-10-05T16:32:42.567Z" }, { "id": 65399, "title": "Invofox - Automatically extract data from invoices 🧾", "tagline": "https://www.invofox.com", "body": "**tl;dr:** We help software companies automatically extract data from invoices, so they can fully automate processes for their customers, such as payments or accounting, without anyone having to review the data. **Reach out through** [**our website**](https://invofox.com) **to learn more!**\n\nHi everyone, we’re Adrian, Alberto and Carmelo, and we are the founders of [Invofox](https://www.invofox.com). We met at university, in Spain, while the three of us majored in math and computer science.\n\n![uploaded image](/media/?type=post&id=65399&key=user_uploads/842901/5f7a5f4b-3242-4c4b-88aa-a9c8fd8b5b1a)\n\nFrom left to right:\n\n[Adrian](https://www.linkedin.com/in/adrian-ramirez-delrio/) is our machine learning expert. He’s responsible for the deep tech side of Invofox. Chat with him about #machineLearning #artificialIntelligence #bouldering or #beerBrewing\n\n[Alberto](https://www.linkedin.com/in/gimenoalberto/) is our CEO. He’s responsible for business development and investors relations. Chat with him about #b2bSales #outboundSales #literature or #crossfit\n\n[Carmelo](https://www.linkedin.com/in/carmelojuanes/) is our CTO. He’s responsible for the productization of our technology, making it usable for our customers. Chat with him about #javaScript #mongoDB #boardGames or #parkour\n\n# Isn’t invoice digitization a solved problem? Why should I care about it?\n\nWell, no. The first time we approached this problem we thought the same thing, but it really isn’t.\n\nMost commercial solutions rely on one of two approaches:\n\n* Template based AI. Basically, you need to pre-configure how to extract information from every different invoice layout you might need to process. It clearly doesn’t scale, it is expensive to setup, and really expensive to maintain.\n* Outsourcing. Meaning someone, somewhere, is going to have to take a look at your invoices. Humans take a long time to do it, and on top of that they make mistakes.\n\nEvery year 100+ billion invoices are issued in the USA and EU, wasting tens of billions of dollars in errors and unproductive costs.\n\nInvofox allows you to automate all of the processes taking place around invoices, such as payments or accounting, without anyone having to review those documents.\n\nWe do this with an easy to use, stripe like, [API](https://prod.kinequo.com/backends/midas/api-docs/), that allows software companies to seemlessly integrate our technology into their product and provide the best possible service to their customers.\n\n### **Our ask**\n\n1. If you are interested in our technology, reach out to us through [our website](https://invofox.com) or email us at [founders@invofox.com](mailto:founders@invofox.com) and try it for free\n2. Share this post! Coming from Spain we do not have a network in the USA, so any notoriety is more than welcome =)\n3. Connect us with other startups or companies that could benefit from automating invoice processing\n\nOur quick blurb: Invofox helps software companies automatically extract data from invoices, so they can fully automate processes for their customers, such as payments or accounting, without anyone having to review the data. We process 17+ million invoices per year, mostly in Europe, and we are currently expanding to the US, Canada, Mexico and India.", "url": "https://www.ycombinator.com/launches/H0p-invofox-automatically-extract-data-from-invoices", "votes": 25, "created_at": "2022-08-16T15:57:30.983Z" } ] }, { "id": 27160, "name": "Drahim 💰", "slug": "drahim", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/96103cd7aac43855d9ebc13e579a9aacb9a1126b.png", "website": "https://drahim.sa", "all_locations": "Riyadh, Riyadh Province, Saudi Arabia", "long_description": "\"Drahim\" is a slang for money in Arabic (from the ancient Greek Drachma).\r\n\r\nThe app integrates with banks and provides individuals meaningful spending insights and generates auto savings and investment advice.\r\n\r\nFor the meaningful insights, the app integrates with banks and automatically categorizes all of your transactions (All of your accounts in one place) and spots spending patterns and behaviors.\r\n\r\nDrahim then suggests a saving and investing plan that allows the user to continue living comfortably and to keep spending guilt-free.\r\n\r\nOur focus is not necessarily to save you money, rather we grow your money discreetly. Drahim allows you to continue spending but feeling way better doing it.", "one_liner": "WealthFront for Saudi & Middle East", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1653766161, "tags": [ "Fintech", "Analytics", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Saudi Arabia", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/drahim", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/drahim.json", "year_founded": 2021, "city": "Riyadh", "country": "SA", "linkedin_url": "https://www.linkedin.com/company/drahim", "x_url": "https://twitter.com/drahimapp", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/96103cd7aac43855d9ebc13e579a9aacb9a1126b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 869550, "full_name": "Sultan Alkhayal", "title": "Founder", "founder_bio": "Sultan previously founded a software development agency that built products for 20+ enterprise customers, including 2 unicorns, that reached 80+ million users around the world.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sultanalkhayal/", "x_url": "https://twitter.com/sultankme", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7e21e48519a36871f4baac6a9a9a8074a6324794.jpg" }, { "user_id": 954880, "full_name": "Yasser Alshurihi", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/y1sser/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3f1e0cb03c389991abcb8ea4469797fa4e3a22b2.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27175, "name": "Express Building", "slug": "express-building", "former_names": [ "Uwi Homes", "Uwi", "uwi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/51e56d00fdef4175645d89fdb8c4452e07a347e7.png", "website": "https://www.expressbuilding.ph", "all_locations": "Singapore, Singapore; Remote", "long_description": "Express Building (EB) helps small and medium sized residential developers scale their pre-sold affordable housing development pipeline. \r\n\r\nCurrent markets: Indonesia & Philippines", "one_liner": "Financing Southeast Asia's ~$1 trillion housing backlog", "team_size": 14, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1656597546, "tags": [ "Fintech", "Real Estate", "B2B", "Proptech", "Lending" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/express-building", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/express-building.json", "year_founded": 2022, "city": "Singapore", "country": "SG", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/51e56d00fdef4175645d89fdb8c4452e07a347e7.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": 1005442, "full_name": "Joseph Tan", "title": "Founder", "founder_bio": "Former real estate executive who has invested & developed $3B+ in commercial and residential real estate in North America. Scaled a Canadian self storage platform to a $310MM exit.\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joseph-tan-82967a161/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b0e7ebc3def00ff81ebd2b3cdd1aa2ec3635ecbd.jpg" }, { "user_id": 1079121, "full_name": "Emmanuel Rex Rodriguez", "title": "Founder", "founder_bio": "A highly experienced hands on developer who is always on the forefront of change. Has handled million dollar infrastructure budgets as well as hands programming on applications serving tens of thousands of concurrent users. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rexrodriguez/", "x_url": "https://twitter.com/rex_rodr", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9b39d3abb2b6e01c4b775dd0e70f670cef9c74eb.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27178, "name": "Pump.co", "slug": "pump-co", "former_names": [ "Pump" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e52daa194550c954ede0338084d6994d0aeefde.png", "website": "https://www.pump.co/", "all_locations": "San Francisco, CA, USA", "long_description": "Pump saves up to 60% off AWS for early stage startups, and for free (yes, that's right). Using group buying and AI, Pump automates cost savings that require no engineering effort. #GetPumped ", "one_liner": "The Costco for cloud is here 🔥🔥", "team_size": 75, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1681178261, "tags": [ "FinOps", "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pump-co", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/pump-co.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pumpbilling/", "x_url": "https://twitter.com/pumpdotco", "fb_url": "https://www.facebook.com/pumpbilling", "cb_url": "https://www.crunchbase.com/organization/pump-b398", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e52daa194550c954ede0338084d6994d0aeefde.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/68e6586a1593ff9aae0f0f07cacf0e9478a55a4f.png" ], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1048566, "full_name": "Spandana Nakka", "title": "Founder/CEO", "founder_bio": "Founder & CEO at Pump.co - Building the Costco of cloud.\nPreviously built a fintech startup, Sleek that was acquired by Snackpass in 2021.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/spndn07/", "x_url": "https://www.twitter.com/spndn07/", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1074d2d92904d25efb73aff3b33314672f39060f.jpg" } ], "jobs": [ { "id": 60455, "title": "Senior Backend Engineer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/r0JLcxL-senior-backend-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $200K", "equity_range": "0.10% - 0.40%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Kubernetes", "Node.js", "PostgreSQL", "Python", "React", "TypeScript", "Redshift" ] }, { "id": 65127, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/pump-co/jobs/UuqyQg7-account-executive", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$290K - $430K", "equity_range": "0.01% - 0.10%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 69101, "title": "Business Development Representative", "url": "https://www.ycombinator.com/companies/pump-co/jobs/KHgx10l-business-development-representative", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$70K - $80K", "equity_range": "0.01% - 0.05%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 69858, "title": "Frontend Engineer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/qPjM5lP-frontend-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "$100K - $160K", "equity_range": "0.05% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Kubernetes", "Node.js", "PostgreSQL", "Python", "React", "TypeScript", "Redshift" ] }, { "id": 70932, "title": "Solutions Architect", "url": "https://www.ycombinator.com/companies/pump-co/jobs/sVIZja5-solutions-architect", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$70K - $150K", "equity_range": "0.10% - 0.30%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Kubernetes", "Node.js", "PostgreSQL", "Python", "React", "TypeScript", "Redshift" ] }, { "id": 77044, "title": "Senior Frontend Engineer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/uVGN9qX-senior-frontend-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 77323, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/Ny4eT9d-backend-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$120K - $160K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Python" ] }, { "id": 80181, "title": "Channel Partnerships Manager—GCP", "url": "https://www.ycombinator.com/companies/pump-co/jobs/wukMaym-channel-partnerships-manager-gcp", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$110K - $160K", "equity_range": "0.05% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Google Cloud" ] }, { "id": 80182, "title": "Channel Partnerships Manager- AWS", "url": "https://www.ycombinator.com/companies/pump-co/jobs/BHk6it8-channel-partnerships-manager-aws", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$110K - $160K", "equity_range": "0.05% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)" ] }, { "id": 97372, "title": "DevOps Engineer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/saieOA4-devops-engineer", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K - $200K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Kubernetes", "PostgreSQL", "Python", "Terraform" ] }, { "id": 103203, "title": "Brand Designer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/u4TAJkO-brand-designer", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Design", "role_type": "Web design", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103205, "title": "Engineering Manager", "url": "https://www.ycombinator.com/companies/pump-co/jobs/lllpVvx-engineering-manager", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103206, "title": "Brand Designer", "url": "https://www.ycombinator.com/companies/pump-co/jobs/Q6Lg05D-brand-designer", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Design", "role_type": "Web design", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103207, "title": "In-House Counsel", "url": "https://www.ycombinator.com/companies/pump-co/jobs/HMuXu3v-in-house-counsel", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103208, "title": "Engineering Manager", "url": "https://www.ycombinator.com/companies/pump-co/jobs/GU634nt-engineering-manager", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103210, "title": "In-House Counsel", "url": "https://www.ycombinator.com/companies/pump-co/jobs/tINhe6s-in-house-counsel", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 107334, "title": "Customer Success Manager", "url": "https://www.ycombinator.com/companies/pump-co/jobs/HZde7q3-customer-success-manager", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 107335, "title": "Partnerships Lead", "url": "https://www.ycombinator.com/companies/pump-co/jobs/25KODLP-partnerships-lead", "location": "San Francisco, California, United States", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "How Tech Startups Can Crack the Code of Cloud Infrastructure Costs | Inc.com", "url": "https://www.inc.com/sean-kim/how-tech-startups-can-crack-code-of-cloud-infrastructure-costs.html", "date": "Apr 13, 2024" }, { "title": "The 18 most interesting startups from YC's Demo Day show we're in an AI bubble | TechCrunch", "url": "https://techcrunch.com/2024/04/03/ycs-winter-2024-demo-day-confirms-that-we-are-indeed-in-an-ai-bubble/", "date": "Apr 03, 2024" }, { "title": "Pump: cutting cloud service expenses like no other platform can", "url": "https://www.digitaljournal.com/business/pump-cutting-cloud-service-expenses-like-no-other-platform-can", "date": "Nov 23, 2023" }, { "title": "How Pump is redefining cloud cost savings | VentureBeat", "url": "https://venturebeat.com/business/how-pump-is-redefining-cloud-cost-savings/", "date": "Nov 20, 2023" }, { "title": "Group Buying Brings Relief to Ever Rising Cloud Costs | Entrepreneur", "url": "https://www.entrepreneur.com/en-in/technology/group-buying-brings-relief-to-ever-rising-cloud-costs/464578", "date": "Oct 31, 2023" } ], "launches": [ { "id": 75947, "title": "Pump India - Save 60% on AWS for free, now live in India 🇮🇳💚", "tagline": "With group buying and AI, startups can save like the big tech", "body": "**TL;DR -**\n\n[**Forbes called us ‘Costco of Cloud compute’ recently**](https://www.forbes.com/sites/davidprosser/2023/10/05/how-pump-promises-to-slash-your-runaway-cloud-computing-costs/). With group buying and AI, Pump can save you up to 60% on your AWS compute spend without any engineering effort or financial risk. We signed up over 250+ customers in the last 6 months, including over 50+ YC companies.\n\n![](https://bookface.ycombinator.com/media/?type=post&id=75947&key=user_uploads/1048566/a5968ddd-cd3b-4eb2-8a64-79f8ab7dea8f)\n\n**How does Pump work?**\n\nAWS incentivizes long term commitments, 1 year to 3 year with high discounts. Not only does this require careful planning & thorough future forecasting, but small startups are often not able to commit for such long periods. That’s where Pump comes in, we bring companies together under one umbrella - as long as there’s other companies within the same region and using the same instance as you, Pump rotates these commitments across Company A to B and so on; thus shrinking a 3 year commitment to just about a month; maximum savings and minimal risk 😀\n\n![](https://assets-global.website-files.com/634b9f9236d9ffdc11dc0eb6/65041ea8580984bf8c7e4065_pump-schema.webp)\n\n**What’s new with this launch?**\n\nPreviously, we could work with companies around the world with the exception of India (irony much?). For legal and tax reasons, AWS has set up a completely different entity for the country and to work with Indian customers, we ourselves had to setup a subsidiary in India. Our second highest traffic & signups always came from India since our launch in April, and given this strong pull we decided to go down this path even as a young company.\n\nWe are beyond PUMPED to go live in India and save Indian customers up to 60% on AWS costs!\n\n**Why this launch is important?**\n\nWhile adapting our product for India wasn’t that much work, we went through a grueling 4 months of copious paperwork, legalese and tests of patience.\n\nThere was just so much monumental effort that went in that we essentially had to package this as a launch :’)\n\n**How to get started?**\n\n![uploaded image](/media/?type=post&id=75947&key=user_uploads/1048566/7f11d87f-9555-44a2-bff9-a96ce9679e39)\n\n**🙏 Our ask:**\n\nIf you’re an Indian company (or otherwise too), sign up at [**app.pump.co**](https://www.forbes.com/sites/davidprosser/2023/10/05/how-pump-promises-to-slash-your-runaway-cloud-computing-costs/) and to see your estimated savings.\n\n[**https://youtu.be/5L5SEQaXlNw**](https://www.forbes.com/sites/davidprosser/2023/10/05/how-pump-promises-to-slash-your-runaway-cloud-computing-costs/)", "url": "https://www.ycombinator.com/launches/Jkx-pump-india-save-60-on-aws-for-free-now-live-in-india", "votes": 6, "created_at": "2023-11-02T14:55:14.978Z" }, { "id": 71529, "title": "Pump: The fastest way to save 60% on AWS", "tagline": "Use AI to optimize your cloud savings on autopilot. Meet Pump, FinOps fully automated with AI.", "body": "[Pump](https://bit.ly/3ZeSLWM) is the FASTEST to save up to 60% on your AWS bills with zero engineering effort and financial risk.\n\n![uploaded image](/media/?type=post&id=71529&key=user_uploads/1048566/9e12619b-721e-4678-99f3-a8a18080e2ed)\n\n**🤖 How Pump saves so much:**\n\nPump’s AI to continuously optimizes AWS discount commitments, our customers get the best price without needing to constantly monitor and adjust their AWS usage. Our optimization algorithms identify which hourly commitments are most cost-effective for your specific usage patterns, so you never pay for more than you need. Additionally, we offer a group volume tier discount, similar to Groupon, based on combined usage across all our customers.\n\nList of all the AWS services we support is [here](https://help.pump.co/overview/list-of-aws-discounts). We are the **_ONLY_** company that has this breadth on market.\n\n![uploaded image](/media/?type=post&id=71529&key=user_uploads/1048566/18daa710-01d2-4183-b9b7-d6a5d5a6664f)\n\n**😎 Our Happy Customers:**\n\nSince we launched last month on Product Hunt as #1 of the day, we have had signups reaching up to over 100+ customers, saving them hundreds of thousands of dollars. Check out what they have to [say!](https://www.pump.co/#love)\n\n![uploaded image](/media/?type=post&id=71529&key=user_uploads/1048566/1cd2bdd1-d070-448b-88ba-6676f8a83804)\n\n**⚙️ How to get started:**\n\nJust 3 clicks to start saving and a fully self serve experience that doesn’t force you to talk to a human (unless you want to?)\n\n![uploaded image](/media/?type=post&id=71529&key=user_uploads/1048566/59c0d8ae-7374-44cc-8c5a-311c7a0f828d)\n\n**😎 Why we are a _no-brainer_:**\n\nPump monetizes through a small percentage from the volume discounts of the collective large spend achieved. 100% of our revenue comes from AWS. We believe saving costs should not be a cost in itself for our customers.\n\n![uploaded image](/media/?type=post&id=71529&key=user_uploads/1048566/9f098122-6f23-49a5-ba23-4cb3b31abd13)\n\n**🙏 Our ask:**\n\nSign up today at [www.pump.co](http://www.pump.co) to see your estimated savings even if you are already cost optimized, no obligation to use us if you don’t like that additional savings $ that Pump can save you! - if you have any questions please contact me at [sn@pump.co](mailto:sn@pump.co) :)\n\n![uploaded image](/media/?type=post&id=71529&key=user_uploads/1048566/fcf2b0e9-c942-4b1a-85e5-8e42a485bb00)\n\n", "url": "https://www.ycombinator.com/launches/Ibh-pump-the-fastest-way-to-save-60-on-aws", "votes": 158, "created_at": "2023-05-11T21:43:35.399Z" } ] }, { "id": 27191, "name": "AlgoTest", "slug": "algotest", "former_names": [ "Fintrix" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ee27828a872551486a5a61cefdc3f0f73dca1b91.png", "website": "https://algotest.in", "all_locations": "Delhi, DL, India", "long_description": "AlgoTest is an algorithmic options trading platform for Indian retail traders. For the first time ever, day traders will be able to trade using the same technology as the top hedge funds and high-frequency trading firms of the world.\r\n\r\nThe company is founded by Raghav Malik (Financial Engineering @ Columbia Univ), an HFT technologist and former options market-maker in the US.", "one_liner": "Ecosystem for options trading in India", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1658736780, "tags": [ "Fintech", "No-code" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/algotest", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/algotest.json", "year_founded": 2021, "city": "Delhi", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/algotest", "x_url": "https://twitter.com/AlgoTest_in", "fb_url": "https://www.facebook.com/AlgoTestIndia/", "cb_url": "https://www.crunchbase.com/organization/fintrix", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ee27828a872551486a5a61cefdc3f0f73dca1b91.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 91048, "full_name": "Raghav Malik", "title": "Founder", "founder_bio": "Raghav (CEO) started his career as an options market-maker in New York. He then made the shift from trading to technology, building low-latency trading software from the ground up for Indian HFT firms.\n\nHe holds a bachelor’s degree in Mathematics from University of Waterloo and a Masters degree in Financial Engineering from Columbia University.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/raghav-malik-96a8932/", "x_url": "https://twitter.com/rogue_hft", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8e1658a99bca84e1aa088af76ea2bb7184cbb9fb.jpg" } ], "jobs": [ { "id": 55672, "title": "Founding Frontend Engineer (ReactJS)", "url": "https://www.ycombinator.com/companies/algotest/jobs/Revs078-founding-frontend-engineer-reactjs", "location": "New Delhi, Delhi, India", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "$15K - $25K", "equity_range": "0.10% - 0.35%", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "CSS", "JavaScript", "React" ] }, { "id": 56643, "title": "Founding Full Stack Engineer", "url": "https://www.ycombinator.com/companies/algotest/jobs/8WmJHTX-founding-full-stack-engineer", "location": "DL, IN / Delhi, IN", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$10K - $30K", "equity_range": "0.10% - 0.50%", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "Flask", "JavaScript", "Python", "React", "Microservices" ] }, { "id": 60856, "title": "Product Designer", "url": "https://www.ycombinator.com/companies/algotest/jobs/970JFzZ-product-designer", "location": "New Delhi, DL, IN", "type": "Full-time", "role": "Design", "role_type": "UI / UX", "salary_range": "₹600K - ₹1.2M INR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "Figma" ] } ], "news": [], "launches": [ { "id": 64897, "title": "AlgoTest - Algorithmic Trading Platform for India's Day Traders", "tagline": "We bring cutting edge research and execution to India's day traders", "body": "### **tl;dr:** On AlgoTest, you can test your trading strategies for free and deploy them to the live market, without writing any code 😎😎\n\nWe’re [Raghav](https://www.linkedin.com/in/raghav-malik-96a8932/) and [Rajat](https://www.linkedin.com/in/jaiswal-rajat/), founders at [AlgoTest](https://algotest.in)!\n\n### **The Problem**\n\nOver the last 5 years, the number of day traders in India has 💥**EXPLODED💥**. Last year, more options traded in India’s National Stock Exchange than in all US exchanges combined!\n\nBUT, the tools that these day traders use to trade are **nascent**, **inefficient**, and **costly**.\n\n### **How do we help?**\n\nWe’ve built similar tools for institutions like hedge funds and HFT firms before. Our tools are **10x more powerful**, and **cost a fraction** of what retailers currently pay.\n\nOur first tool, a free options backtester with a no-code interface, now comes with a Live Execution Engine.\n\nThis means that any strategy you test with our backtester can now be deployed to the live market at the click of a button!\n\n### **The ASK**\n\nIf you have a trading account in India, check us out on [algotest.in](http://algotest.in), or give us a shoutout on [Twitter](https://twitter.com/algotest_in).", "url": "https://www.ycombinator.com/launches/Gsj-algotest-algorithmic-trading-platform-for-india-s-day-traders", "votes": 209, "created_at": "2022-07-26T15:00:54.937Z" } ] }, { "id": 27194, "name": "REVER", "slug": "rever", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3a30a32b053472aa128b79b5f8e1a099aa963a1b.png", "website": "https://itsrever.com/", "all_locations": "Barcelona, CT, Spain; CT, Spain", "long_description": "We receive any product in 24h anywhere on the planet, but... Why can't we also return & get refunded just as quickly?\r\n\r\nREVER is a game-changing shopping experience that makes eCommerce returns possible in 2 clicks and refunds in 24h.\r\n\r\nThe REVER team is shaping the future of eCommerce bringing frictionless, superfast and sustainable returns to everyone, anytime, anywhere. Because returning should be as easy as buying. \r\n\r\nREVER's ambition is to dominate ALL eCommerce post-sale services by creating the world's first global platform for online returns.\r\n\r\nREVER is currently handling +100M€ in yearly returns, with more than 50M€ in revenues\r\n\r\nIf you are an eCommerce and want to revolutionise your returns experience find out more at: www.itsrever.com", "one_liner": "Changing the way people buy by giving superpowers to shoppers", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1658154864, "tags": [ "Fintech", "SaaS", "B2B", "Logistics", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Spain", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/rever", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/rever.json", "year_founded": 2022, "city": "Barcelona", "country": "ES", "linkedin_url": "https://www.linkedin.com/company/itsrever", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3a30a32b053472aa128b79b5f8e1a099aa963a1b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 873036, "full_name": "Marius Montmany", "title": "Founder", "founder_bio": "Founder @ REVER", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mmv1/", "x_url": "https://twitter.com/mmrtsv", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e476a8b2ff665e849edfdf20e0b99a67fce6db45.jpg" }, { "user_id": 976038, "full_name": "Oriol Hernandez i Fajula", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oriolhf/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/802c2af18b3ac58ca85fe4758e95df03af68de33.jpg" } ], "jobs": [ { "id": 60029, "title": "Global Operations & AI Intern", "url": "https://www.ycombinator.com/companies/rever/jobs/bClINAp-global-operations-ai-intern", "location": "Barcelona, CT, ES", "type": "Internship", "role": "Operations", "role_type": null, "salary_range": "€600 - €1.2K EUR / monthly", "equity_range": "", "experience": null, "visa": "US citizenship/visa not required", "skills": [] }, { "id": 70713, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/rever/jobs/fy3YaaK-software-engineer", "location": "Barcelona, CT, ES / ES", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "€40K - €70K EUR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 78494, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/rever/jobs/CjCpj0t-backend-engineer", "location": "Barcelona, CT, ES / ES", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "€40K - €70K EUR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 78495, "title": "Account Executive Spain (Enterprise)", "url": "https://www.ycombinator.com/companies/rever/jobs/H6t6mR3-account-executive-spain-enterprise", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$40 - $55", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 78550, "title": "Key Account Manager (large accounts)", "url": "https://www.ycombinator.com/companies/rever/jobs/vOfUmst-key-account-manager-large-accounts", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "€30K - €45K EUR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 79291, "title": "Key Account Manager (Italy Market)", "url": "https://www.ycombinator.com/companies/rever/jobs/ItpH6OL-key-account-manager-italy-market", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "€30K - €45K EUR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 79306, "title": "SDR Senior US Market", "url": "https://www.ycombinator.com/companies/rever/jobs/nQFMCOU-sdr-senior-us-market", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES / Remote", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$40K - $55K", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 81463, "title": "Key Account Manager (Spanish Market)", "url": "https://www.ycombinator.com/companies/rever/jobs/4KZldf0-key-account-manager-spanish-market", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "€30K - €45K EUR", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 81584, "title": "Junior Software Engineer", "url": "https://www.ycombinator.com/companies/rever/jobs/TkoX6t1-junior-software-engineer", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "€30 - €70 EUR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 82961, "title": "SDR French Market", "url": "https://www.ycombinator.com/companies/rever/jobs/K8722eq-sdr-french-market", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "€25K - €35K EUR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 85978, "title": "Founding Account Executive - German speaking", "url": "https://www.ycombinator.com/companies/rever/jobs/ejbx3Kj-founding-account-executive-german-speaking", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "€30K - €45K EUR", "equity_range": "0.10% - 1.00%", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 85979, "title": "Founding Sales Development Representative - German speaking", "url": "https://www.ycombinator.com/companies/rever/jobs/YfPwzJW-founding-sales-development-representative-german-speaking", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "€30K - €45K EUR", "equity_range": "0.10% - 1.00%", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 98156, "title": "Founding SDR Internship - German speaking", "url": "https://www.ycombinator.com/companies/rever/jobs/pzQ6oqJ-founding-sdr-internship-german-speaking", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Internship", "role": "Sales", "role_type": null, "salary_range": "€1K - €2K EUR / monthly", "equity_range": "0.10% - 1.00%", "experience": null, "visa": "US citizenship/visa not required", "skills": [] }, { "id": 98762, "title": "Founding Market Operations Launcher (DACH)", "url": "https://www.ycombinator.com/companies/rever/jobs/jzPXTKf-founding-market-operations-launcher-dach", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "€35K - €45K EUR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 116459, "title": "FDE (Forward Deployment Engineer)", "url": "https://www.ycombinator.com/companies/rever/jobs/G96JvtT-fde-forward-deployment-engineer", "location": "Barcelona, CT, ES / Barcelona, Catalonia, ES", "type": "Full-time", "role": "Engineering", "role_type": "AI engineer", "salary_range": "$35K - $50K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "Y Combinator-backed Rever aims to modernize refunds and returns | TechCrunch", "url": "https://techcrunch.com/2023/06/19/y-combinator-backed-rever-aims-to-modernize-refunds-and-returns/", "date": "Jun 19, 2023" }, { "title": "Y Combinator-backed Rever aims to modernize refunds and returns | TechCrunch", "url": "https://techcrunch.com/2023/06/19/y-combinator-backed-rever-aims-to-modernize-refunds-and-returns/", "date": "Jun 19, 2023" }, { "title": "Forbes 30 Under 30 2023: Retail & Ecommerce", "url": "https://www.forbes.com/30-under-30/2023/europe/retail-ecommerce?profile=rever", "date": "Jan 01, 2023" }, { "title": "Four-month-old Rever revs up e-commerce returns, joins Y Combinator - Tech.eu", "url": "https://tech.eu/2022/07/20/four-month-old-rever-revs-up-e-commerce-returns-joins-y-combinator", "date": "Jul 20, 2022" } ], "launches": [ { "id": 64735, "title": "REVER: easy returns, faster refunds", "tagline": "We make eCommerce returns possible in 2 clicks and refunds in minutes", "body": "# **TLDR;**\n\n[REVER](https://www.itsrever.com) is a game-changing shopping experience that makes eCommerce returns possible in 2 clicks and refunds in 24h.\n\nIf you are an eCommerce and want to revolutionise your returns experience find out more at: [www.itsrever.com](http://www.itsrever.com)\n\n![uploaded image](/media/?type=post&id=64735&key=user_uploads/873036/be6533fe-8eb5-41ec-a6b3-5a4bafa6ebd7)\n\n# **What are we solving?**\n\nReturns are the new normal, reaching up to 30% of online sales in western markets, making reverse logistics a $500B/year industry globally. Moreover, margins and growth are at risk for eCommerces if they don't adapt:\n\n* **70% of customers** check the return policy before buying\n* **89% of customers won't buy again** after a bad return experience\n* **10 working days** is the average time it takes to get refunded after an online return\n\n# **Solution**\n\n1. A customizable whitelabel returns portal for eCommerce and retailers of the world, so that their end customers are able to request returns in **2 just clicks**\n2. Once a return request comes in, REVER has a **superfast** refund solution, that makes customers get refunded in less than **1 minute** (vs. 21 days today!)\n3. We are integrated with **+50 logistics carriers** to make the collection process easier and faster too, and centralize the information in a single dashboard (SaaS) that enables eComs to manage their returns more efficiently.\n\n# **Why are we doing this?**\n\nBecause returning should be as easy as buying. REVER is shaping the future of eCommerce bringing frictionless, superfast and sustainable returns to everyone, anytime, anywhere. Our's ambition is to dominate ALL eCommerce post-sale services by creating the world's first global platform for online returns.\n\nMarius, while at Glovo as Global Head of Logistics, was approached by multiple clients (Aliexpress, Apple, Nike, etc.) who wanted a solution for returns management, Glovo was offering them a Last Mile solution, but they also needed a solution for returns.\n\nOriol carried out the reverse logistics strategic plan USA's biggest carrier while at BCG and, working at Bank of America Merrill Lynch, participated a series of multi-billion deals involving the world's biggest fashion marketplaces and detected that returns are a critical part of the operations and financial performance for eCommerce.\n\n# **How to get started?**\n\nWe are offering a 1-month free trial to retailers that want to join the future of eCommerce. If you are struggling with your returns, send us an email at [sales@itsrever.com](mailto:sales@itsrever.com).", "url": "https://www.ycombinator.com/launches/Gq7-rever-easy-returns-faster-refunds", "votes": 40, "created_at": "2022-07-19T16:21:19.191Z" } ] }, { "id": 27205, "name": "Kashin", "slug": "kashin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3753d6cf9d7b26097a1a850121c0a5b57f904a22.png", "website": "https://kashin.app/", "all_locations": "Lima, Callao Region, Peru; Lima, Lima Province, Peru; Remote", "long_description": "Credit for the emerging economy in Latam.\r\nWe have 10K users and nearly $2M in annualized revenue, from our small loans to micro-merchants and individuals in the informal economy.\r\nWe do our underwriting with our proprietary AI risk model processing 250+ variables from the user's smartphone and credit bureau.", "one_liner": "Credit for the emerging economy in Latam", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1659548596, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Peru", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kashin", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/kashin.json", "year_founded": 2020, "city": "Lima", "country": "PE", "linkedin_url": "https://www.linkedin.com/company/68777723", "x_url": "https://twitter.com/kashin_app", "fb_url": "https://www.facebook.com/kashinpe", "cb_url": "https://www.crunchbase.com/organization/kashin", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3753d6cf9d7b26097a1a850121c0a5b57f904a22.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 586979, "full_name": "Christophe Robilliard", "title": "Founder", "founder_bio": "Engineer with a passion for solving problems.\nFormer experiences: McKinsey Consultant, Easy Taxi General Manager, Cabify Regional Manager, and Ligo COO.\nLove sports: surf, tennis, soccer, squash, and more.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/chrobilliard/", "x_url": "https://twitter.com/CRobilliard", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1cc45496bcb52ff22547bfeec734b69b8cbdc05a.jpg" }, { "user_id": 597708, "full_name": "Jose Palacios", "title": "Founder", "founder_bio": "Founder and Critical Thinking Officer @ Kashin", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thetex/", "x_url": "https://twitter.com/iamt3x", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6d5bf4c795541b5656be06a65854164e0d49bed7.jpg" } ], "jobs": [], "news": [ { "title": "Our 10 favorite startups from YC's S22 Demo Day: Part 2 • TechCrunch", "url": "https://techcrunch.com/2022/09/08/our-10-favorite-startups-from-ycs-s22-demo-day-part-2/", "date": "Sep 08, 2022" }, { "title": "Estos exejecutivos de Cabify crearon en Perú una fintech de nanocréditos que acaba de ingresar a Y Combinator", "url": "https://forbes.pe/negocios/2022-08-03/estos-exejecutivos-de-cabify-crearon-en-peru-una-fintech-de-nanocreditos-que-acaba-de-ingresar-a-y-combinator/", "date": "Aug 03, 2022" } ], "launches": [ { "id": 65160, "title": "Kashin: The preferred financial app for the underbanked in Latam", "tagline": "Meet Kashin, the digital wallet that is trusting the underbanked in Latam", "body": "Hi everyone, we are **Kashin**, and our goal is to give access to financial products - not just bank accounts - to the informal economy in Latin America.\n\n![uploaded image](/media/?type=post&id=65160&key=user_uploads/586979/12f259f3-349a-432c-8f60-20424c451d9b)\n\nWe serve users directly through our app. Our core product is a digital wallet, but we decided to start with the most difficult value-added product of all: Loans.\n\nThe main issue behind lending in this segment is the high default rate - traditionally around 15%, and we have it below 8%. Our major disruption is our **collaborative credit algorithm** so that our users create their own social network of endorsers in our mobile app. The benefits improve according to the behavior of the user and his friends.\n\nSince many of our users are micro-entrepreneurs, we are developing our second product: a Soft-POS so that our users can receive credit and debit card payments immediately directly from our app without any initial cost.\n\nWe have launched in Peru, but will soon expand to Colombia. We are currently a more than 50 people fully remote team with several nationalities, so we expect to serve several Latam countries soon.\n\nWe are happy to collaborate with micro-entrepreneurs service providers in the region that can add value to their users with our products.\n\n[Chris](https://www.linkedin.com/in/chrobilliard/) and [Tex](https://www.linkedin.com/in/thetex/) - Founders\n\n![uploaded image](/media/?type=post&id=65160&key=user_uploads/586979/84882fa1-8718-4014-a661-fc12f22a61d8)\n\n", "url": "https://www.ycombinator.com/launches/Gwy-kashin-the-preferred-financial-app-for-the-underbanked-in-latam", "votes": 31, "created_at": "2022-08-05T18:05:00.154Z" } ] }, { "id": 27249, "name": "Aldara", "slug": "aldara", "former_names": [ "Lumo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0c86ef8ba5f876baddbfe2edd028c531149deb0f.png", "website": "https://aldara.com", "all_locations": "Barcelona, CT, Spain", "long_description": "Aldara is a modern, efficient HOA manager.\r\nWe achieve that by automating back-office and operations with our in-house technology, powered by AI.", "one_liner": "HOA manager with automated operations", "team_size": 10, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction", "launched_at": 1660117520, "tags": [ "Fintech", "Real Estate", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Real Estate and Construction" ], "regions": [ "Spain", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/aldara", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/aldara.json", "year_founded": 2022, "city": "Barcelona", "country": "ES", "linkedin_url": "https://www.linkedin.com/company/83045241", "x_url": "https://twitter.com/aldara_com", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0c86ef8ba5f876baddbfe2edd028c531149deb0f.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": 62977, "full_name": "Miquel Llobet", "title": "Founder", "founder_bio": "Co-founder of Aldara. Before Aldara I was a Product Manager at Google, where I launched Shopping on Youtube. Prior to that I was the first APM hire at Skyscanner, working on flight search results and corporate travel. In univeristy I founded the largest student hackathon in Europe, HackUPC.", "is_active": false, "linkedin_url": "https://linkedin.com/in/mllob", "x_url": "https://x.com/mllobet", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6e848f444c812558cd523bdae379ff522dc8934.jpg" }, { "user_id": 209666, "full_name": "Daniel Carmona", "title": "Founder", "founder_bio": "Aerospace engineer. Previously founded a software import business with $15M in annual sales, automating a heavily manual cross border tax and accounting operation - very similar to the problems that we have to solve at Aldara.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/danielcarmonaserrat/", "x_url": "https://twitter.com/danipolymath", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0c2233c6fea71fb521f3fb72ac2ad72580ebe14d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 77957, "title": "🏠 Aldara: Modern homeowner association management in Europe", "tagline": "We fully manage homeowners associations: accounting, maintenance and incidents.", "body": "**Tl;dr:** [Aldara](https://aldara.com/) is a fast, transparent, and proactive manager for your community of homeowners. For the more involved owners, we give them full control over financials and real-time updates on incidents and news. For the less involved, they can forget about everything and still have a say, thanks to our support for online voting and meetings through video calls.\n\n—\n\nHi everyone, we are [Dani](https://www.linkedin.com/in/danielcarmonaserrat/) (CEO) and [Dani](https://www.linkedin.com/in/danitorramilans/) (CTO), and we are on a mission to become the one-stop solution for homeowners, starting with the specific problem of managing their community (the Homeowners Association).\n\n![uploaded image](/media/?type=post&id=77957&key=user_uploads/209666/c8be3536-00a4-4af9-930a-161a7a0428a5)\n\n## **💣 The problem: Interacting with the HOA sucks**\n\nIf you own an apartment or a house in a housing complex, you need to split expenses with the rest of the owners for things such as utilities, insurance, or maintenance of common areas. \n\nCollecting payments from the owners, paying providers, submitting taxes when applicable, and keeping track of incidents is very painful, so HOAs hire a manager.\n\nNobody trusts their HOA manager: hidden fees, slow response times, and non-existent proactivity.\n\n## **🎉 The solution: One stop for your HOA needs**\n\nAldara is the modern version of an HOA manager. As digital as the owners want us to be, we take care of everything and you can rest assured that things will happen smoothly.\n\n* **⚡Speed:** Our centralized customer support has SLAs of hours instead of days (working to make it become seconds), and thanks to our structured data, anyone in the team can solve incidents.\n* **🗣️Communication:** We update owners about everything through their favorite contact methods: email, WhatsApp, and even postal card (also automated). The elevator was broken and we just fixed it? We will keep you updated in real-time about the status. \n* **🔎 Transparency:** We operate as a neobank for the HOA, which allows us to automate accounting and show balances and expenses in real-time instead of once a year.\n* **💰Savings:** HOAs spend a lot of money. Thanks to our integrations with curated providers, we can save HOAs money on recurrent expenses while providing a better service.\n\n![uploaded image](/media/?type=post&id=77957&key=user_uploads/209666/3ec399e3-be57-4390-84b5-62cd6db28bdf)\n\n**🚀 Futuristic Vision: Harnessing AI to Revolutionize Real Estate Services**\n\nAt Aldara, we're not just about managing homeowners' associations today; we're shaping the future of real estate services by solving complex human interactions within a specific context. Our core strength lies in our exceptional tech talent and our commitment to leveraging the power of AI, which is already transforming how we operate and interact with our communities.\n\n### **👋 How you can help**\n\n* Are you part of an HOA and would like to share your experience? [Let us know.](https://demo.aldara.com/?lang=en)\n* Try our demo [here](https://demo.aldara.com) and let us know what you think.\n* Do you know a property owner in Spain? [Connect us!](mailto:founders@aldara.com?subject=The%20future%20manager%20of%20your%20HOA)", "url": "https://www.ycombinator.com/launches/KHN-aldara-modern-homeowner-association-management-in-europe", "votes": 8, "created_at": "2024-01-30T15:57:57.532Z" }, { "id": 65268, "title": "Lumo 🏬 - Residential building manager in Europe with automated operations", "tagline": "We help residential buildings with real time updates and more transparency on their spend", "body": "Hey everyone 👋 We’re [Miquel](https://linkedin.com/in/mllob) and [Dani](https://www.linkedin.com/in/danielcarmonaserrat), co-founders of [Lumo](https://www.lumo.homes/).\n\n> Lumo is a Residential Building manager in Europe with automated operations.\n>\n> In Europe, if you own an apartment in a building you are probably part of a Homeowners’s Association (HOA). HOAs hire building managers to take care of operations, accounting and taxes.\n\n### **What’s wrong with building managers?**\n\nThe average experience for apartment owners is very poor. Managers are traditional small businesses using little technology, resulting in slow response times to incidents and low transparency. It’s a local, fragmented industry with no differentiation, and buildings stay very long with their existing managers for lack of a better option.\n\nWhat’s worse, because managers spend a lot of time working on tedious, repetitive tasks, they have less time to find improvement opportunities for the buildings they manage such as government subsidies for renovations, solar projects, cost savings, etc. It’s more like “keeping the lights on” and less like coaching the team to do better.\n\n### **How is Lumo different?**\n\nBy automating back-office operations like accounting, taxes and incident management, Lumo is able to provide buildings with fast response as well as real time information of their building, allowing them to understand their real expenses and the status of their requests.\n\nThanks to technology, we are able to scale the business, which allows us to negotiate with service providers of the buildings, increasing service quality and saving owners money.\n\n### **Founders**\n\nMiquel and Dani are technical co-founders (CS and Aerospace) from the top engineering school in Spain.\n\nMiquel was previously a Product Manager at Youtube where he launched Shopping on Youtube. Prior to that he was a PM at Skyscanner. He also founded the largest student hackathon in Europe with 1600 participants per year.\n\nDani previously founded a software import business with $5M in annual sales where he automated a heavily manual cross border tax and accounting operation - very similar to what Lumo is automating.\n\n![uploaded image](/media/?type=post&id=65268&key=user_uploads/62977/d845787d-4f8b-4e0a-bb59-77a22f42a6ed)\n\n### **Our Ask**\n\n**Are you an apartment owner in Europe?** We’d love to hear about your experience with your building manager. Drop us a line at [founders@lumo.homes](mailto:founders@lumo.homes)", "url": "https://www.ycombinator.com/launches/Gyi-lumo-residential-building-manager-in-europe-with-automated-operations", "votes": 43, "created_at": "2022-08-10T14:20:16.080Z" } ] }, { "id": 27250, "name": "Axle", "slug": "axle", "former_names": [ "Axle (Axle Labs", "Inc.)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc7d56236fe67577e1d51a8f6c48ef7c48d88c9a.png", "website": "https://axle.insure", "all_locations": "New York City, NY, USA", "long_description": "Axle is the AI-native clearinghouse for property and casualty insurance. Our infrastructure and AI agents automate complex insurance workflows for third parties including verification, monitoring, and policy updates. We've helped Fortune 500 businesses like Rocket Mortgage, Avis, and Experian speed up workflows by 95% while recovering over $220M in potential losses. Axle is backed by Gradient, Y Combinator, and the founding team of Plaid.", "one_liner": "AI-native clearinghouse for insurance", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1658084084, "tags": [ "Developer Tools", "Fintech", "B2B", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/axle", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/axle.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/axle-labs", "x_url": "https://twitter.com/axlelabs", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/axle-f2b6", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc7d56236fe67577e1d51a8f6c48ef7c48d88c9a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 1050387, "full_name": "Cameron Duncan", "title": "Founder/CEO", "founder_bio": "I’m passionate about solving problems at the intersection of business, technology, and design. Previously, I led a product team at Clutch (acquired by Cox Automotive) that enabled brands like Porsche deliver new ways to access and own vehicles.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cam-duncan/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/544230013b6be913ffa8cbbad540c09351fd84bb.jpg" }, { "user_id": 666958, "full_name": "Nihar Parikh", "title": "Founder/CTO", "founder_bio": "I build tools to help developers abstract complex problems and focus on providing great experiences for their customers. 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", "body": "[Get started today!](https://axle.insure)\n\n### **What’s the problem?**\n\nToday, both **consumer services** - like rental car companies and lenders - and **gig services/ employers** - like rideshare and food delivery - rely on legacy systems, paper, and hours on the phone each day to verify insurance for their customers or contractors with no real way to monitor coverage after the fact. This leads to friction in the checkout/onboarding process, heavy manual overhead for operations teams, and gaps in coverage that result in painful subrogation or expensive claims against umbrella policies.\n\n![uploaded image](/media/?type=post&id=64702&key=user_uploads/1050387/634c242f-59c3-452a-aa6c-c29094d0d29f)\n\n### **How do we help?**\n\nAxle automates collection, verification, and monitoring of insurance - enabling you to make better-informed decisions in seconds instead of hours.\n\nAxle is built for both operations and product teams. You can get started verifying customers in minutes - no code required - using our Dashboard, or embed Axle’s consent interface directly into your application via our API for a seamless customer experience.\n\n![uploaded image](/media/?type=post&id=64702&key=user_uploads/1050387/7caae2e5-ef12-40e9-b0dc-2d9fedd000b5)\n\n### \n\n**Backstory**\n\nI (Cam) have spent the last 3 years building new ways to access (rental, subscription, etc.) and own (home delivery, service pickup and delivery, etc.) vehicles. Time and time again I’ve painfully collected unverified images of insurance cards and dec pages while leveraging tools like Microblink and Acuant to capture and verify identity documents.\n\nI reached out to a few more operators in our network and quickly validated that they were facing the same issue, so I partnered with Nihar to build Axle: a painless way for consumers to link their insurance data to companies they trust.\n\n### **Get started today!**\n\nLooking to save time on insurance verification & monitoring and offering a seamless experience for your customers?\n\nBook some [time](https://calendly.com/axle-cam/30min) with us for a demo and to discuss how Axle can change your insurance process.\n\nFor any other questions, feel free to send me an email at [cam@axle.insure](mailto:cam@axle.insure)!", "url": "https://www.ycombinator.com/launches/Gpa-axle-plaid-for-insurance", "votes": 44, "created_at": "2022-07-18T17:12:01.762Z" } ] }, { "id": 27251, "name": "Lotus", "slug": "lotus", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2939eceea0905b3a2c3c34f9f16476bbc6c94309.png", "website": "http://uselotus.io", "all_locations": "New York City, NY, USA; Remote", "long_description": "Lotus is an open-core pricing and billing engine. 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First time with GoLorry and now Landeed. Before startups, I worked as proprietary trader/investment analyst at Knight Vinke (Activist Hedge Fund) and as a real estate developer. Currently, I am CEO and Founder of Landeed with focus on building India's (later for the developing world) fastest and most comprehensive property title search engine.", "is_active": true, "linkedin_url": "https://www.linkedin.com/pub/sanjay-mandava/24/6aa/206", "x_url": "https://twitter.com/mandava_sanjay", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bd9c5dc6c65fb1885725a0ccba7fda256b061715.jpg" }, { "user_id": 117814, "full_name": "ZJ Lin", "title": "Founder", "founder_bio": "Co-founder and CPO of GoLorry (YC W16): 2015 - 2022\nCo-founder and CPO of Landeed (YC W22): 2022 - present", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/zjlin/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/408b589d73d3fd0cdffa184d5592c64e23da55ee.jpg" }, { "user_id": 117813, "full_name": "J Richards", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jonathan-richards-26259bb6/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a283374f298717aae60f288d7876e8532be913ce.jpg" } ], "jobs": [ { "id": 57082, "title": "Head of Corporate Affairs, Public Policy and Government Relations (CPG)", "url": "https://www.ycombinator.com/companies/landeed/jobs/DVY3BMa-head-of-corporate-affairs-public-policy-and-government-relations-cpg", "location": "Hyderabad, TG, IN", "type": "Full-time", "role": "Legal", "role_type": null, "salary_range": "$20K - $50K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 57083, "title": "Senior Legal Associate", "url": "https://www.ycombinator.com/companies/landeed/jobs/TuXBTBn-senior-legal-associate", "location": "Gurugram, HR, IN / Gurugram, Haryana, IN / New Delhi, DL, IN / New Delhi, Delhi, IN / DL, IN / Delhi, IN / Mumbai, MH, IN / Mumbai, Maharashtra, IN", "type": "Full-time", "role": "Legal", "role_type": null, "salary_range": "₹40K - ₹75K INR / monthly", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 57298, "title": "Product Owner", "url": "https://www.ycombinator.com/companies/landeed/jobs/UYsLGSi-product-owner", "location": "Hyderabad, TG, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "₹1.5M - ₹3.5M INR", "equity_range": "0.10% - 0.20%", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "Wireframing", "Figma" ] }, { "id": 60420, "title": "Growth and Marketing Lead", "url": "https://www.ycombinator.com/companies/landeed/jobs/DGgwOhw-growth-and-marketing-lead", "location": "Hyderabad, TG, IN", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "₹600K - ₹1.2M INR", "equity_range": "0.10% - 0.25%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 60434, "title": "EIR: Entrepreneur In Residence", "url": "https://www.ycombinator.com/companies/landeed/jobs/Xt8mnKh-eir-entrepreneur-in-residence", "location": "Hyderabad, TG, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$20K - $60K", "equity_range": "0.15% - 0.40%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 65257, "title": "Business Development And Enterprise Sales (BDES)", "url": "https://www.ycombinator.com/companies/landeed/jobs/4l4knno-business-development-and-enterprise-sales-bdes", "location": "Hyderabad, TS, IN / Mumbai, MH, IN / Bengaluru, KA, IN / Chennai, TN, IN / DL, IN / Gurugram, HR, IN", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "₹1M - ₹2.5M INR", "equity_range": "0.10% - 0.20%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 65258, "title": "Operations Lead", "url": "https://www.ycombinator.com/companies/landeed/jobs/HYva7F4-operations-lead", "location": "Mumbai, MH, IN / Bengaluru, KA, IN / Hyderabad, TS, IN / Gurugram, HR, IN / Gurugram, Haryana, IN", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "₹480K - ₹1.2M INR", "equity_range": "0.01% - 0.02%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 65259, "title": "Support Executive", "url": "https://www.ycombinator.com/companies/landeed/jobs/SZyQjR3-support-executive", "location": "Hyderabad, TS, IN / Mumbai, MH, IN / Chennai, TN, IN / Bengaluru, KA, IN", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "₹240K - ₹500K INR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 65260, "title": "Content and Community Lead", "url": "https://www.ycombinator.com/companies/landeed/jobs/v2Wfj2O-content-and-community-lead", "location": "Hyderabad, TS, IN / Bengaluru, KA, IN", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "₹600K - ₹1.8M INR", "equity_range": "0.01% - 0.02%", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 79527, "title": "Senior GIS Engineer", "url": "https://www.ycombinator.com/companies/landeed/jobs/YZ8WIvS-senior-gis-engineer", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Engineering", "role_type": "Data science", "salary_range": "₹900K - ₹2.5M INR", "equity_range": "0.01% - 0.03%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 79528, "title": "Senior/Staff Frontend Engineer", "url": "https://www.ycombinator.com/companies/landeed/jobs/XdJRjFi-senior-staff-frontend-engineer", "location": "Hyderabad, Telangana, India", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹2M - ₹4M INR", "equity_range": "0.10% - 1.00%", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [ "React", "React Native", "Next.js" ] }, { "id": 79600, "title": "Senior/Staff Engineer: Backend (India)", "url": "https://www.ycombinator.com/companies/landeed/jobs/v9JBNfn-senior-staff-engineer-backend-india", "location": "Hyderabad, Telangana, India", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "₹2.5M - ₹5M INR", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "PostgreSQL", "Python" ] }, { "id": 84880, "title": "Legal Ops Lead", "url": "https://www.ycombinator.com/companies/landeed/jobs/MEoD32X-legal-ops-lead", "location": "Chennai, TN, IN / Chennai, Tamil Nadu, IN / Bengaluru, KA, IN / Bengaluru, Karnataka, IN / Ahmedabad, GJ, IN / Ahmedabad, Gujarat, IN / Pune, MH, IN / Pune, Maharashtra, IN / Gurugram, HR, IN / Gurugram, Haryana, IN", "type": "Full-time", "role": "Legal", "role_type": null, "salary_range": "₹400K - ₹1.2M INR", "equity_range": "", "experience": "11+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 85313, "title": "Ex-founder - Technical, India", "url": "https://www.ycombinator.com/companies/landeed/jobs/fFYK3Hd-ex-founder-technical-india", "location": "Hyderabad, Telangana, India", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹3M - ₹6M INR", "equity_range": "0.10% - 1.00%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 88432, "title": "Accountant", "url": "https://www.ycombinator.com/companies/landeed/jobs/tipcFfI-accountant", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "₹360K - ₹420K INR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 91926, "title": "Associate Solutions Engineer", "url": "https://www.ycombinator.com/companies/landeed/jobs/l7L0SeB-associate-solutions-engineer", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹600K - ₹800K INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 95120, "title": "Customer Relationship Manager", "url": "https://www.ycombinator.com/companies/landeed/jobs/rwIYQSC-customer-relationship-manager", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "₹25K - ₹45K INR / monthly", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 95121, "title": "Senior Customer Relationship Manager", "url": "https://www.ycombinator.com/companies/landeed/jobs/WBenvVy-senior-customer-relationship-manager", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "₹45K - ₹90K INR / monthly", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 95828, "title": "Product Engineer", "url": "https://www.ycombinator.com/companies/landeed/jobs/5ER5jHm-product-engineer", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "₹1.5M - ₹3.5M INR", "equity_range": "0.10% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Python", "React", "React Native", "Data Analytics", "Evals" ] }, { "id": 95916, "title": "Member of Technical Staff - Post-Training Engineer", "url": "https://www.ycombinator.com/companies/landeed/jobs/GL2b1aZ-member-of-technical-staff-post-training-engineer", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "₹2.5M - ₹4.5M INR", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Python", "Torch/PyTorch", "Machine Learning", "Reinforcement learning (RL)", "Natural Language Processing", "Computer Vision", "LLMs", "Transformers", "Fine-tuning" ] }, { "id": 106709, "title": "Property Advisor - II", "url": "https://www.ycombinator.com/companies/landeed/jobs/Ay1U4eN-property-advisor-ii", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "₹730K - ₹1.01M INR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 106710, "title": "VIP Client Advisor", "url": "https://www.ycombinator.com/companies/landeed/jobs/NV3HYUX-vip-client-advisor", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "₹880K - ₹1.22M INR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 106711, "title": "Priority Case Manager", "url": "https://www.ycombinator.com/companies/landeed/jobs/MVVWBdh-priority-case-manager", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "₹780K - ₹1.06M INR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 108452, "title": "People & Operations Associate (HR & Admin)", "url": "https://www.ycombinator.com/companies/landeed/jobs/SkrpiOU-people-operations-associate-hr-admin", "location": "Hyderabad, TS, IN / Hyderabad, Telangana, IN", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Operations", "salary_range": "₹500K - ₹750K INR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Building trust in India’s property system through digitisation", "url": "https://www.moneycontrol.com/news/opinion/building-trust-in-india-s-property-system-through-digitisation-13750337.html", "date": "Dec 31, 2025" }, { "title": "Indian proptech at an inflection point: Panelists at VCCircle summit", "url": "https://www.vccircle.com/indianproptech-at-an-inflection-point-panelists-at-vccircle-summit", "date": "Oct 29, 2025" }, { "title": "Landeed: Mapping ownership through AI", "url": "https://www.newindianexpress.com/cities/hyderabad/2025/Oct/09/landeed-mapping-ownership-through-ai", "date": "Oct 08, 2025" }, { "title": "Landeed: Mapping ownership through AI", "url": "https://www.newindianexpress.com/cities/hyderabad/2025/Oct/09/landeed-mapping-ownership-through-ai", "date": "Oct 08, 2025" }, { "title": "Landeed Introduces Zero-Fee Bill Payments Feature for Property Transactions", "url": "https://www.rprealtyplus.com/allied/landeed-introduces-zero-fee-bill-payments-feature-for-property-transactions-119421.html", "date": "Apr 03, 2025" } ], "launches": [ { "id": 100213, "title": "🏠 Terra: Turning Indian property from a who-you-know market into a what-you-know market.", "tagline": "Indian property, finally legible. ", "body": "Today we're launching Terra: the thing we've wanted to build since day one.. If you caught our original launch: you know we've spent three years building India's property infrastructure. More than a million people use Landeed monthly searching millions of properties and growing at an increasing pace. The result of that work is Terra - India’s first and most intelligent property AI trained on 500M+ title documents. 24 states. 22 languages.\n\nEven more importantly, we built Terra on the foundations of our groundwork not guesswork. The answers are backed by verifiable records from regulatory registries and ground truth minimizing hallucination risks. Furthermore, this is the third major launch from Landeed Labs (our internal AI division) after AITSR our flagship product for enterprises which has now evolved into Terra Black.\n\nCheck it out below:\n\n\n\n**Here's what's broken.**\n\nIndia is two markets stitched together: _who you know_ and _what you know_. Most of India's economy has shifted toward what-you-know over the last twenty years. Real estate has not. It is the most extreme who-you-know market in the country.\n\nWho you know determines what you can buy, what price you pay, what risks you discover, and whether your title holds up in court. If you have the right cousin in the registrar's office, the right lawyer in the right city, the right broker who owes you a favor — you have edge. If you don't, you're flying blind with your life savings.\n\nThis is why India has $10 trillion in property and most of it is **dead capital** — Hernando de Soto's phrase. You own it but you can't prove it. You inherit it but you can't read it. You want to buy it but you can't verify it. Many call this dead capital but at Landeed we call this just another Tuesday. The data was always there. It was just illegible, scattered across 28 state systems, locked in 22 languages, and impossible to reason about.\n\n**Here's what we built.**\n\nTerra is the first product that makes data competitive with relationships in Indian property — and wins.\n\nYou just talk to it. In English, Hindi, Telugu, Tamil — whatever you think in.\n\n\"Find me 2BHK apartments in Gachibowli under 1 crore and with nice gym.\" Or drop the link or url from your favorite listing to explore more about the property in detail like guideline value or average rentals. Terra shows you real listings across all aggregated from listings platforms, helps you create watchlists, calculate price trends and check property risks all in one screen in real time in one conversation.\n\n![uploaded image](/media/?type=post&id=100213&key=user_uploads/95984/c59d4a61-5060-44eb-bdc9-ee30b31e2d74)\n\n![uploaded image](/media/?type=post&id=100213&key=user_uploads/95984/4a929008-2772-42f7-b0a8-bd7e19e4f86b)\n\n\"Who has owned that property since it was built?\" Ownership tree. Every transaction. Linked to source documents you can open.\n\n![uploaded image](/media/?type=post&id=100213&key=user_uploads/95984/6a4338fb-af05-4c24-bc80-0d5dc9e3b049)\n\n\"Are there any encumbrances or legal issues?\" Light diligence in minutes. Not a lawyer's 2-week report.\n\n![uploaded image](/media/?type=post&id=100213&key=user_uploads/95984/b035d906-223a-4a67-8b4f-3305132df9d4)\n\n\"Compare this to the one in Kondapur I was looking at yesterday.\" Side by side.\n\n![uploaded image](/media/?type=post&id=100213&key=user_uploads/95984/7914e052-0078-469a-9947-e2af051b4f7d)\n\nUnder the hood: a system of specialized AI agents working in parallel. Live integrations with 24 state governments. Proprietary OCR for 22 Indian languages including handwritten records from the 1980s. Terra doesn't guess. It reads the actual government records — the same ones a lawyer would read — and reasons about them in real time.\n\n**One moment that shows what this unlocks.**\n\nA user told Terra about his property next to a biryani shop in Chennai. Terra pulled the documents _and_ found a municipal announcement from that week — the user was now eligible to build additional square footage on his existing plot. He didn't know to ask. Terra found it anyway.\n\nThat's the point. Terra doesn't just answer questions. It tells you things you didn't know to ask.\n\n**Early traction.**\n\nSoft-launched on web a month ago. 50,000 users showed up without a rupee of paid acquisition.\n\n**Try it:** [https://web.landeed.com/terra](https://web.landeed.com/terra?thread=a3c27682-da8c-462a-8855-5d2ebcd80632) or download our app from play store or iOS\n\n**What we want from the community:**\n\n* Know anyone buying, selling, or inheriting property in India? Send them to Terra. Especially NRIs — they have the worst version of this problem.\n* Know a bank, NBFC, or real estate operator in India? We have Terra Black (enterprise API) already running with HDFC Bank, Hero FinCorp, Amazon India, Vastu Housing, and others. Warm intros welcome: [sanjay@landeed.com](mailto:sanjay@landeed.com)\n* Feedback, ideas, critiques — send them straight to us.\n\nIndia's property market has been a who-you-know game since the British left. Terra is how it finally becomes a what-you-know market. We make this inevitable. 🐂", "url": "https://www.ycombinator.com/launches/Q4L-terra-turning-indian-property-from-a-who-you-know-market-into-a-what-you-know-market", "votes": 107, "created_at": "2026-04-25T15:27:09.197Z" }, { "id": 89737, "title": "Landeed Bill Pay: Property bills, tax, and documents — handled in one app", "tagline": "India's first property super-app: pay property tax, electricity, water & more — all linked to your property", "body": "**🏡 We’re Landeed — the fastest way to access property documents _and_ pay property-related bills in India**\n\nHey YC — we’re the team behind **Landeed**, a property super-app used by over 1 million people across India to instantly retrieve legal property documents like Encumbrance Certificates, Survey Maps, and Sale Deeds.\n\nToday we’re launching **Landeed Bill Payments** — a major upgrade that lets users instantly pay for all their property-related bills, directly in the same app.\n\n---\n\n### ❌ The Problem\n\nIndia’s government has digitized property documents — but property _bill payments_ are still a mess.\n\nEvery billing cycle, property owners deal with:\n\n* 3–5 broken government portals (BBMP, BESCOM, BWSSB, etc.)\n* Clunky UIs with mismatched property IDs and consumer numbers\n* OTP loops, failed UPI/card transactions, no real support\n* No central history or receipts\n\nIt’s painful for anyone — and 10x worse for landlords managing multiple properties across cities.\n\n---\n\n### 🧑‍💼 Meet Ramesh, a typical Bangalore landlord\n\n![uploaded image](/media/?type=post&id=89737&key=user_uploads/95984/6f635ff1-7dea-4270-bc01-3526f95f8022)\n\n### ✅ Our Solution\n\nWe built **Landeed Bill Payments** right into the same app our users already trust for property documents.\n\nNow users can:\n\n* 💡Instantly pay **Property Tax, Electricity, Water, Gas, Broadband**\n* 💳 Use **UPI, cards, or wallets**\n* 🏙️ Access **20+ utility boards** across India\n* 📂 Automatically save receipts per property\n* 📈 View full **payment history** across all properties\n\nNo logins, no portal hopping, no stress.\n\n---\n\n### 💡 Why Now\n\nIndia digitized land records — but not the ownership experience.\\\nYou can _see_ your property online. But you can’t act on it.\n\nWe’re building the **operating system for property ownership** — starting with documentation, and now enabling transactions.\n\n---\n\n### 🚀 Traction\n\n* 1M+ users across 400+ districts\n* Cover 24 states and union territories in India\n* Live integrations with 20+ major utilities & DISCOMs\n* Multi-lingual support and over 12 vernacular languages supported\n\n---\n\n### 🎥 Product Demo\n\n\n\n> _See how Ramesh pays 3 bills in under 60 seconds, directly from his property dashboard._\n\n---\n\n### 🙌 What You Can Do\n\n* **Try it now**: — no fees, no logins\n* **Share this** with landlords, real estate operators, or civic tech folks\n* **Talk to us**: [founders@landeed.com](mailto:founders@landeed.com)\n\nThanks for checking us out — we’d love your feedback and intros.", "url": "https://www.ycombinator.com/launches/NLN-landeed-bill-pay-property-bills-tax-and-documents-handled-in-one-app", "votes": 100, "created_at": "2025-04-22T14:56:32.985Z" }, { "id": 72566, "title": "Landeed XF (LXF): Founder's real estate concierge 🚀", "tagline": "Real Estate reimagined for Founders by Founders 🤝", "body": "# **Landeed XF (LXF): Your Ultimate Real Estate Ally!**\n\n**Quick Summary:** Landeed is thrilled to launch LXF! We present an all-encompassing real estate solution tailored for founders, ensuring hassle-free accommodation and workspace solutions, along with legal support for your company setup. No deposits, no brokerage fees, just an annual contract that bundles everything you need into a single monthly invoice.✨\n\n## **💥 What’s The Issue?**\n\nFounders are swamped with responsibilities and need to be laser-focused on their vision. Real estate complications, finding the perfect workspace, and dealing with legal requirements for company setup are all distractions that no founder needs. The market lacks an efficient, all-in-one solution that caters specifically to the founders' real estate and legal needs. Landeed XF is here to change that.\n\n## **🎯 Here’s What We Offer**\n\nLandeed XF is your one-stop solution, specially curated for founders looking to set their foot in India and vice versa. We’re here to enable you to hit the ground running.\n\n🧾 **Single Monthly Payment Mechanism**: Experience the simplicity of our financial structure. No deposits or brokerages; only transparent, all-inclusive monthly invoicing.\n\n🏡 **Move-in Ready Living Spaces**: No more endless apartment hunting or paperwork. Live comfortably in our fully-furnished apartments and enjoy single monthly payments sans any brokerage fees.\n\n👩‍💻 **Workspace That Matches Your Drive**: Choose from a range of coworking spaces and private offices, ensuring your workspace is conducive to your vision. We find the best locations for you and your team!\n\n👩‍⚖️ **Legal Entity Structuring**: Our expert partners will guide you through the complex maze of legal entity structuring between the US and India. We’ve negotiated discounted fees for you.\n\n🛂 **Hassle-free Company Setup**: We manage all the administrative tasks such as entity formation and government registrations, so you can focus on what matters most – your startup.\n\n⏩ **Fast-Track Your Launch**: Don’t let delays hinder your momentum. Our efficient lease negotiations and expedited legal processes mean you can be operational in just 2 weeks!\n\n## **📢 Landeed + YC Founders = Unstoppable Force**\n\nWe're on a mission to pave the way for your startup’s triumphant journey in India. With Landeed XF by your side, you can leave the real estate and legal complexities to us, and focus on what you do best – building and scaling your business.\n\n## **🎉 YC Exclusive Deal! 🎉**\n\nAs a special launch celebration, we’re excited to offer an exclusive deal for our YC community! Find out more about this limited-time offer [**here**](https://deals.ycombinator.com/deals/1847).\n\n## **🤝 Let’s Get Started**\n\nReady to take the leap? We’d love to hear from you. Reach out to [**namansrivastava@landeed.com**](mailto:namansrivastava@landeed.com) and let's explore how Landeed XF can propel your startup to new heights.\n\nJoin us on this exciting journey. Landeed XF is here to revolutionize real estate for founders! 🚀💡🏢", "url": "https://www.ycombinator.com/launches/IsQ-landeed-xf-lxf-founder-s-real-estate-concierge", "votes": 90, "created_at": "2024-01-09T22:13:42.397Z" }, { "id": 65182, "title": "🌆Landeed: Do you own your property in India? Are you sure? Let's check 🕵🏽", "tagline": "Landeed is India's first, fastest and only multi-state property title checker🥇 ", "body": "**TL; DR We make it easy for real estate agents, owners, developers, bankers and legal advisors to instantly check property titles. Our Landeed** [**app**](https://www.landeed.com/) **retrieves government generated Encumbrance Certificate (EC) within seconds. This document summarizes all present and past transactions pertaining to a property going back multiple decades.**\n\nNamaste 🙏🏽 we are Jonathan, ZJ and Sanjay, the three musketeers fighting for your land rights. This is our second YC startup together and have known one another for 7 (lucky) years.\n\n### **💀** **Serious Problem 🚨**\n\nApproximately 67% of all court cases in India deal with land-related disputes. This is due to India’s legal framework of “presumptive ownership.” Under this model, the due diligence on property purchases falls on the buyer with government claiming no responsibility. Furthermore, there is no concept of a single “title document” leading to prolonged due diligence phase ranging from 2-6 months whereas most property transactions in US can be concluded in 2-4 days.\n\n### 🧪**Landeed Solution ⚡**\n\nLandeed is a national property title search engine. Use our [app](https://www.landeed.com/) and check property transaction ledger going back 20 years in 2 seconds. Think of it as “Google of real estate titles.” We built a standardized interface simplifying the multiple search methods across states into an intuitive and fluid user experience. Next up, Landeed for the world not just India!\n\n### 🪄**Let’s talk about the magic 👏🏽**\n\nLandeed weaves together multiple government departments across various states producing a “plaid-like” property summary data. Whereas government platforms focus on taxing users for civic micro-services and document generation, our product is built around specific user profiles that have strong intent to transact. The end-result of this approach is a consumer-centric product with enterprise capabilities. Search property titles 10x faster guaranteed or money back ! (it’s free for YC)\n\n### 🤵🏽**Damn I look good (the app)** 📲\n\n![landeed app encumbrance certificate screenshot 1](https://static.wixstatic.com/media/acf78d_f957a692fca24048b10ea00073c1a49a~mv2.png/v1/crop/x_736,y_180,w_1037,h_2120/fill/w_238,h_488,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/ec_details_portrait.png)\n\n![landeed app encumbrance certificate screenshot 2](https://static.wixstatic.com/media/acf78d_92d55dce18e54a0e8c491f12cceb502a~mv2.png/v1/crop/x_731,y_171,w_1041,h_2128/fill/w_238,h_488,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/webview_portrait.png)\n\n🗺️And yes, we support multiple states (Home court advantage: TS 🏏)\n\n🙏🏽Asks\n\n1. Download Landeed [app](https://www.landeed.com/) if you or anyone that you know have property in India\n2. Request a state to launch if we are not currently covering it! We have a high demand waitlist and are constructing our build plans accordingly\n3. Follow us on [twitter](https://twitter.com/LandeedInc?s=20&t=nWcLlnd9LyDH_vTopux4wA) and give us your feedback. It’s still day zero at Landeed.\n4. If you have any other feedback, we’d love to hear it at [founders@landeed.com](mailto:founders@landeed.com)\n5. And of course, if you feel what we are building is impactful, we would appreciate the upvote!\n6. Full disclosure and request: Do not illegally trespass, set up meat shacks (it will be bulldozed 🐂) or try to sell our lands without our express written consent and permission\n7. Nothing to see here except it’s our lucky number and proof that some of you have read all the way to the end. If so, slack or email Jonathan, ZJ or Sanjay simply with the message “7\" and get a surprise gift from us 🧧🎁", "url": "https://www.ycombinator.com/launches/GxK-landeed-do-you-own-your-property-in-india-are-you-sure-let-s-check", "votes": 913, "created_at": "2022-08-07T08:56:12.741Z" } ] }, { "id": 27260, "name": "Coverage Cat", "slug": "coverage-cat", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9bd0bbec7d523edd1bef0a7fed1c32a4c5e91d07.png", "website": "https://www.coveragecat.com/", "all_locations": "New York City, NY, USA; Remote", "long_description": "Coverage Cat, the AI-native insurance broker, fixes your coverage limits and finds cheaper premiums. \r\n\r\nWe provide both AI and human support so you can get fast answers on your policy and quickly get a response from a human agent so you can protect you assets or close on a new home. \r\n\r\nThe AI-first approach drives core search, support and shopping experiences to ensure you get the best prices with the correct coverage. ", "one_liner": "Consumer Optimized Insurance", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1659454514, "tags": [ "Fintech", "Machine Learning", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/coverage-cat", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/coverage-cat.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/coverage-cat", "x_url": "https://twitter.com/coveragecats", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/coverage-cat", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9bd0bbec7d523edd1bef0a7fed1c32a4c5e91d07.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1047431, "full_name": "Max Cho", "title": "Founder", "founder_bio": "I once knocked my teeth out and spent the next few weeks reading insurance policies to try to pay for their replacements. Prediction tasks with software and data are my jam. I love studying why people do what people do, esp. with ads & marketing.\n\nPreviously: Marketing products @ Google, financial prediction software @ Two Sigma, and catching software exceptions @ Microsoft. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/max-cho-0a376a24/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ba94ef687ad8abdeed36a551eb2f5d11a42d83c9.jpg" }, { "user_id": 123258, "full_name": "Gabriel Botelho", "title": "Founder/CTO", "founder_bio": "Co-founder and CTO @ Coverage Cat. \n\nShop for umbrella and home insurance at www.coveragecat.com! ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gb-cc", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/32db7698c55b453d919d3891cce7d25bd1d9d225.jpg" } ], "jobs": [ { "id": 60678, "title": "[PAUSED] Senior Engineer", "url": "https://www.ycombinator.com/companies/coverage-cat/jobs/rOkcL9B-paused-senior-engineer", "location": "CA, US / Remote (CA, US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K", "equity_range": "0.05% - 0.50%", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 88545, "title": "[PAUSED] Fractional Operations Specialist (Contract)", "url": "https://www.ycombinator.com/companies/coverage-cat/jobs/TH81d0Y-paused-fractional-operations-specialist-contract", "location": "Remote (US)", "type": "Contract", "role": "Operations", "role_type": null, "salary_range": "$10 - $15 / hourly", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94308, "title": "[PAUSED] Growth Engineer (Contract)", "url": "https://www.ycombinator.com/companies/coverage-cat/jobs/NJXH199-paused-growth-engineer-contract", "location": "Remote", "type": "Contract", "role": "Engineering", "role_type": "Full stack", "salary_range": "$15 - $25 / hourly", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [ "Growth design" ] } ], "news": [ { "title": "How Silicon Valley Turned on Silicon Valley Bank - WSJ", "url": "https://www.wsj.com/articles/how-silicon-valley-turned-on-silicon-valley-bank-ee293ac9", "date": "Mar 12, 2023" }, { "title": "The biggest moonshots in YC's S22 batch • TechCrunch", "url": "https://techcrunch.com/2022/09/08/the-biggest-moonshots-in-ycs-s22-batch/", "date": "Sep 08, 2022" }, { "title": "Coverage Cat is backed by YC", "url": "https://www.coverager.com/coverager-cat-is-backed-by-yc/", "date": "Aug 03, 2022" } ], "launches": [ { "id": 116242, "title": "Shop for umbrella insurance via your personal agent (Muse, Instinct, OpenClaw, Hermes, etc.)", "tagline": "Your agent + Coverage Cat's API/MCP = better insurance", "body": "![uploaded image](/media/?type=post&id=116242&key=user_uploads/123258/c95ab970-fa7e-4c6c-b106-0343c5321734)\n\nWe’re proud to release our agent-native solution for consumers to compare and shop for umbrella and home insurance.\n\nPoint your preferred agent (Instinct, Codex, ClaudeCode, OpenClaw, Hermes, Jo, etc.) or any tool-using assistant (ideally with access to your context). Just tell it to:\n\n`Shop for umbrella insurance with Coverage Cat`\n\nOr, point it at [coveragecat.com](http://coveragecat.com) and tell it to do the same. What used to be a week of forms, phone tag, and PDF underwriting shrinks to a minimal prompt, review of your information, and credit consent.\n\nYour agent gathers your context, calls the calculators, compares carriers, and delivers a bindable quote — the complex, cross-carrier judgment call happens where it belongs: inside the loop with you and your AI, not on hold with a sales person.\n\nIt will pre-fill applications from what it already knows about you, ask for your review and confirmation, then hand back a resumable checkout link — all in a single conversation.\n\nWant something more packaged? Check out other agentic interface access options below:\n\nBrowse the catalog at [coveragecat.com/ai/skills](https://www.) or the source at [github.com/Coverage-Cat/skills](https://github.com/Coverage-Cat/skills).\n\nWant to use our MCP? Install it up and get access to both the comparison/purchase tools as well as read-only calculators, agent finders, and estimate tools — discovery lives at [coveragecat.com/api/agent](https://www.coveragecat.com/api/agent), the OpenAPI spec is at [coveragecat.com/api/agent/openapi.yaml](https://www.coveragecat.com/api/agent/openapi.yaml).\n\nPower users can install the CLI for operators:\\\n`npm install -g @coveragecat/cli # npm`\n\nor via Homebrew\n\n```\nbrew tap Coverage-Cat/coveragecat && brew install coveragecat # Homebrew\n```\n\nWant your agent to check out our broader developer portal? .\n\nHappy shopping!", "url": "https://www.ycombinator.com/launches/UEs-shop-for-umbrella-insurance-via-your-personal-agent-muse-instinct-openclaw-hermes-etc", "votes": 4, "created_at": "2026-09-22T15:38:06.824Z" }, { "id": 106902, "title": "Coverage Cat AI Insurance Leaderboard", "tagline": "How do frontier models perform on complex insurance tasks?", "body": "# Coverage Cat AI Insurance Bench\n\nWe’re Coverage Cat. We built an AI insurance benchmark to measure how frontier models perform on real insurance workflows, not trivia or generic reasoning tasks.\n\n### TL;DR\n\n![uploaded image](/media/?type=post&id=106902&key=user_uploads/123258/e54c9091-f0a5-4500-b9f8-125255d46418)\n\nCoverage Cat’s AI Insurance Benchmark compares 7 frontier models on two insurance-specific evals:\n\n* Price estimation: can a model estimate umbrella insurance quote ranges accurately?\n* Brokerage/Agent task: can a model answer practical insurance questions the way a good broker or agent would?\n\nThe public leaderboard ranks models by Elo Rating, Win Rate, Quote Coverage, Quote MAPE, Winkler Loss, and judged brokerage-task quality.\n\nView it here: Coverage Cat AI Insurance Benchmark ()\n\n### The Problem\n\nMost AI benchmarks don’t tell you whether a model is useful inside a real insurance workflow or whether consumers can really trust it for insurance information.\n\nInsurance work is full of messy edge cases: pricing uncertainty, underwriting rules, coverage terminology, household risk factors, and questions where the answer needs to be both correct and concise.\n\nThere has been good prior work on insurance AI benchmarks, including UNDERWRITE, which evaluates multi-turn underwriting agents with domain experts, noisy tools, and simulated users. That work focuses on enterprise underwriting agent behavior and found meaningful gaps between general model performance and enterprise readiness.\n\nOur benchmark is different: it focuses on consumer insurance workflows Coverage Cat actually needs to automate, including umbrella quote estimation and broker/agent-style answers. It is also designed as a public, continuously updated leaderboard rather than a one-time research benchmark.\n\n### What We Built\n\nThe first public version includes:\n\n* 2,800+ price-estimation scenarios\n* 19,000+ quote model results\n* 1,200+ brokerage/agent task questions\n* 8900+ QA model results\n* 7 tested models\n\nThe benchmark uses anonymized eval data, no-retention/no-logging model platforms, and aggregate-only public snapshots. Customer data is not exposed to model providers.\n\n### What’s Next\n\nWe’ll update the leaderboard soon with newer frontier models as they become available through our approved model-provider paths. We also expect to expand the benchmark with more brokerage workflows, richer human review, and additional insurance product lines.\n\nOur goal is simple: make it obvious which AI models are actually good at insurance work and help those models improve.\n\nView the leaderboard: Coverage Cat AI Insurance Benchmark ()\n\nIf you’re shopping for umbrella coverage, you can also start here: Coverage Cat Umbrella Insurance ().", "url": "https://www.ycombinator.com/launches/RoE-coverage-cat-ai-insurance-leaderboard", "votes": 2, "created_at": "2026-07-22T22:45:07.812Z" }, { "id": 92734, "title": "Coverage Cat: Your AI-Native Insurance Agent", "tagline": "Insurance questions cause headaches. Coverage Cat is the relief.", "body": "Coverage Cat, the AI insurance agent, answers any questions you might have about home, auto, umbrella, life, and disability insurance. No more waiting on hold or puzzling over policy jargon. Coverage Cat's assistant can help you figure out if you should buy that policy, file that claim, or shop around for a better price at the click of a button.\n\n---\n\n## Expert Answers for Home, Auto, and Umbrella Insurance\n\nCoverage Cat is trained to provide the right answers about personal lines coverage:\n\n* **Home Insurance**: Learn what your policy covers, from water damage to liability limits.\n* **Umbrella Insurance**: Understand when and how your extra liability protection kicks in.\n* **Auto Insurance**: Get clear explanations on coverage. Never worry about what collision or comprehensive mean again.\n\n---\n\n## Policy Reviews Powered by AI\n\nDon't get bamboozled by the fine print. Just upload your insurance documents, and Coverage Cat examines policy terms to highlight important coverage details.\n\n---\n\n## Estimates for Claims and Coverage\n\nCurious about how a claim or coverage change might impact your premiums? Coverage Cat can create estimates based on specialized tools tools to offer cost and claims insights. Understand your financial exposure before you make your decisions!\n\n---\n\n## Coverage Cat Saves You Time and Money\n\nComplexity benefits insurers, not policyholders. Coverage Cat leverages our rich insurance data sets to create price transparency, and put valuable information into your hands.\n\n---\n\n## Easy Insurance Conversations Start Now\n\nInsurance need not frustrate. Coverage Cat turns your questions into straightforward answers. Clarity makes all the difference when dealing with a stressful part of your personal finances.\n\n---\n\n## Try Coverage Cat Today!\n\nJust visit us at [coveragecat.com](http://coveragecat.com) where you can get answers and shop for insurance.\n\n![uploaded image](/media/?type=post&id=92734&key=user_uploads/123258/9fdcf95e-d78a-44c5-956f-5ea7d8728fed)\n\n", "url": "https://www.ycombinator.com/launches/O7i-coverage-cat-your-ai-native-insurance-agent", "votes": 13, "created_at": "2025-08-05T02:01:00.343Z" }, { "id": 65072, "title": "Coverage Cat - Insurance For People Who Don't Believe In Insurance", "tagline": "The Best Way to Buy Umbrella/Home/Life/Disability/Auto Insurance", "body": "Do you have any of: a net worth over $1million; a house; a car; a high paying job? Then Coverage Cat is the best way to buy insurance. We provide **real quotes**, aggressively comparison shop for you across policy types, and **never sell your data**. The result is thousands of dollars saved and weeks of work and phone calls.\n\n![uploaded image](/media/?type=post&id=65072&key=user_uploads/123258/92e2c8d5-44e3-4cf8-9df6-2ddecf5f19a4)\n\n### Fill out one form and we handle the rest\n\nDon’t waste another minute getting harassed by spam/sales people or figuring out if you bought the right policy. We will shop for you, explain your options, and ensure you get you the best policy for your needs. \n\n* Need umbrella insurance? Shop and learn on our [explainer page!](https://www.coveragecat.com/umbrella-insurance)\n* Need home, car, life, or disability insurance? Visit our [homepage](https://coveragecat.com).\n* Want to learn more about insurance? Check out our [blog](https://www.coveragecat.com/blog).\n* Live in California or Florida and worried about a price jump or non-renewal on your homeowners insurance? See our reviews of carriers that are still underwriting in both states: [Delos \\[CA\\]](https://www.coveragecat.com/review/delos), [Bamboo \\[CA\\]](https://www.coveragecat.com/review/bamboo), [Kin \\[FL\\]](https://www.coveragecat.com/review/kin).\n\n👋 We’re Max & Gabriel, co-founders of Coverage Cat.\n\n### Opportunity: Insurance - An essential product, often poorly purchased\n\nInsurance is an all-time great financial innovation. It represents a way for people to pool and mitigate significant risks when events have shaken out for the worst. \n\nBut the way insurance is been bought and sold has generated a mismatch between the protection from risk that insurance products SHOULD provide. This forces tens of thousands of people to go bankrupt every year from risks that could be properly insured– Often while overpaying for coverage that doesn't protect them from catastrophic risk.\n\n### Problem: Insurance is complicated\n\nThe web of carriers, brokers, contracts, and claims that ensure your risks are properly handled can be an absolute nightmare for people who just want to feel like the things that are important to them are protected.\n\n### The Solution: A one-step process to find the best insurance\n\nWe collect information on how much you feel comfortable losing, in addition to standard insurance questions. Coverage Cat’s AI and team of specialists then searches across available carriers to find the policies and prices for your needs. If you’re in CA, FL, NY, TX, or WA we’d appreciate the opportunity to save you a bundle!\n\nCheers, Max & Gabriel 🐱", "url": "https://www.ycombinator.com/launches/GvY-coverage-cat-insurance-for-people-who-don-t-believe-in-insurance", "votes": 46, "created_at": "2022-08-02T16:06:51.203Z" } ] }, { "id": 27262, "name": "Pivo Technology Inc", "slug": "pivo-technology-inc", "former_names": [ "Pivo Technology" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7420fcdf5d2a549094588e1723a574be25f57e2e.png", "website": "http://www.pivo.africa", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Africa has experienced robust macroeconomic growth over the last five years and was the second fastest growing region in 2019 with a GDP of $2.6T, a 3.7% increase on 2018. Nigeria makes up $0.5T, 50% of which comes from Small and Medium Enterprises (SMEs) – a huge number of these operate within large manufacturing supply chains.\r\n\r\nStarting with Freight Carriers Pivo makes financial services easily accessible for truck owners and truck drivers by providing a bank account, debit card and digital invoicing tools so they can get paid faster and avoid cash flow problems.\r\n\r\nThis will be further augmented by more fundamental financial products such as credit, transaction management, and expense management, to improve their cashflow. ", "one_liner": "Digital Bank for Freight Carriers in Africa.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1656940518, "tags": [ "Fintech", "Payments", "B2B", "Supply Chain", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pivo-technology-inc", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/pivo-technology-inc.json", "year_founded": 2021, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/75046532", "x_url": "http://www.twitter.com/PivoAfrica", "fb_url": "http://www.facebook.com/Pivo-Financial-Services-102162352150721", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7420fcdf5d2a549094588e1723a574be25f57e2e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 810653, "full_name": "Ijeoma Akwiwu", "title": "Founder", "founder_bio": "COO/Legal Engineer building Pivo Africa.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/ijeoma-akwiwu", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a657b2bb00a658157a0c2ae42632489ffc4c248a.jpg" } ], "jobs": [], "news": [ { "title": "Pivo, a Nigerian fintech company run by women, raises $2 million in a seed round - Tech In Africa", "url": "https://www.techinafrica.com/pivo-a-nigerian-fintech-company-run-by-women-raises-2-million-in-a-seed-round/", "date": "Nov 24, 2022" }, { "title": "Pivo powers up Nigerian freight carriers with a bespoke digital bank, gets $2M seed funding • TechCrunch", "url": "https://techcrunch.com/2022/11/24/pivo-powers-up-nigerian-freight-carriers-with-a-bespoke-digital-bank-gets-2m-seed-funding/?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAANDKVeU48Z3OLIXGQdgcwpNXX8KOit_fh-Thu-cllO8ICvCNk9_4IkhoPfPHTtIH_NFXj1VaXzKNdXgMjVcFmnGXY7eedSF9lNAbBuXDTXcRzQ7AHoIZF4NLdx7wPNbtFa9CIf09YJ2XmxiI24HUJDDOI-rvrxhhMmh6oEZRK2vb", "date": "Nov 24, 2022" }, { "title": "Pivo Africa secures $2M seed round - Business Africa Online", "url": "https://businessafricaonline.com/pivo-africa-secures-2m-seed-round/", "date": "Nov 24, 2022" }, { "title": "Pivo Africa raises $2M seed fund to expand product offerings to supply chain SMEs", "url": "https://www.benjamindada.com/pivo-africa-secures-2m-seed-to-expand-into-east-africa/", "date": "Nov 24, 2022" }, { "title": "How Pivo is providing fast and reliable financial services for Africa’s supply chain businesses", "url": "https://techpoint.africa/2022/03/14/pivo-supply-chain-financing", "date": "Mar 14, 2022" } ], "launches": [ { "id": 65366, "title": "Pivo - Bank Accounts and Payments for Freight Carriers in Africa", "tagline": "Meet Pivo, a platform that centralizes the way freight carriers collect, make and track payments.", "body": "**The Problem**\n\nSMEs in supply chains are constantly battling cash flow problems. These SMEs do not get paid in advance and have narrow windows (2 to 7 days) to execute orders. Yet their invoices take as long as 90 days to pay. This is further compounded by an inefficient way to track how and when they get paid. They are left struggling to execute large client orders and miss out on significant business opportunities and earnings.  \n\n**The Pivo Solution**\n\nStarting with freight carriers, Pivo provides easy access to a smart bank account, debit card and digital invoicing tools that track payments so they can get paid faster. \n\n![uploaded image](/media/?type=post&id=65366&key=user_uploads/147283/c94afb6e-46c0-424c-9633-9c94b17b6364)\n\nThis will be further augmented by more fundamental financial products such as access to credit and expense management, to improve cash flow for these SMEs. \n\nOur goal is to build an end-to-end financial operating system for these businesses.  \n\n**Our Ask** \n\nKnow any supply chain companies or tech platforms looking for a smart financial partner for their SME vendors? We’d love to connect with them. Send us an email: [founders@pivo.africa](mailto:founders@pivo.africa).", "url": "https://www.ycombinator.com/launches/H0I-pivo-bank-accounts-and-payments-for-freight-carriers-in-africa", "votes": 91, "created_at": "2022-08-15T13:40:28.304Z" } ] }, { "id": 27669, "name": "Laminate", "slug": "laminate", "former_names": [ "laminate" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9a8e80c0706c21a5dbb22cbba1cbd67df40314d5.png", "website": "https://www.uselaminate.com", "all_locations": "New York City, NY, USA", "long_description": "", "one_liner": "", "team_size": null, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1670987296, "tags": [ "Fintech", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/laminate", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/laminate.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/uselaminate", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9a8e80c0706c21a5dbb22cbba1cbd67df40314d5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 897, "full_name": "Khurram Aslam", "title": "Founder", "founder_bio": "Founder, Laminate", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/khurramaslam/", "x_url": "https://twitter.com/_khurramaslam", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4f9732c60d5b6d0e59d6e0a9abf70d9f59491181.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27674, "name": "OneText", "slug": "onetext", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9918e6f95f34bd512b7ab9b29b23ebfc3b8a58dd.png", "website": "https://onetext.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "OneText is disrupting SMS marketing and payments. 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", "one_liner": "Multi-lingual AI Voice Agents", "team_size": 3, "industry": "B2B", "subindustry": "B2B", "launched_at": 1677102979, "tags": [ "Fintech", "SaaS", "LegalTech", "CRM" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Inactive", "industries": [ "B2B" ], "regions": [ "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/struct", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/struct.json", "year_founded": 2023, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/struct-voice/", "x_url": " ", "fb_url": null, "cb_url": " ", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/15ecb8a9d903b0fb450aa6187f3b78313fc656ca.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 421651, "full_name": "Fatma Akcay", "title": "Founder", "founder_bio": "founder Struct", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/fatmaakcay/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/48f9285aa2bcfc33821d8956e5abc124da16871d.jpg" }, { "user_id": 523861, "full_name": "Eamonn Gahan", "title": "Founder", "founder_bio": "Worked at various UK Startups and Intercom both as an IC and EM.\n", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/gahan/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9fd67dfdfeeeb8f3ba19e7f121e29685b78aa108.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27694, "name": "Paperplane", "slug": "paperplane", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/56aa131dd560ee00989a8c4028dc2124530d47a2.png", "website": "https://www.paperplane.ai/", "all_locations": "New York City, NY, USA", "long_description": "Paperplane helps builders', plumbing, and timber merchants mitigate their credit risk by predicting which customers will default 4+ weeks before anyone else. Instead of relying solely on credit reports and lagging public data, Paperplane uses the company's own transaction data and customer knowledge directly from sales reps to make more accurate predictions in real-time. ", "one_liner": "Credit risk management platform for builders' merchants", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1677010587, "tags": [ "Fintech", "SaaS", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Inactive", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/paperplane", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/paperplane.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/paperplaneai", "x_url": "https://twitter.com/paperplaneai", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/paperplane-f079", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/56aa131dd560ee00989a8c4028dc2124530d47a2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/ae8699fd0c21faed211d7580b3aa10c0483fc5a7.png" ], "primary_partner": null, "founders": [ { "user_id": 1695624, "full_name": "Daniel Kwak", "title": "Founder", "founder_bio": "Computational physics + ML PhD dropout. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/dnlkwak/", "x_url": "https://x.com/dnlkwk", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ffac86868b4058660ea591519727d5bdfdb82bc1.jpg" }, { "user_id": 177665, "full_name": "Jack Hopkins", "title": "Founder", "founder_bio": "I left Cambridge with a post-graduate degree in Advanced Computer Science and peer-reviewed research in generative language models receiving almost 100 citations in the field. \n\nI started a company applying LMs to API security, where I met Daniel Kwak, who led my Seed Round. I left this company to join Daniel and Ben in building NLP for Sales.\n\nIn my spare time I enjoy rowing long distances. Once I rowed unsupported from Africa to America in 40 days.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/jack-ww-hopkins/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ba5419608dbb594843bc35dbd286c8a39887ef12.jpg" }, { "user_id": 1159397, "full_name": "Ben Magolan", "title": "Founder", "founder_bio": "Previous ML Ops tech lead at Xometry and software engineer at the Naval Nuclear Laboratory. Attained his PhD in Nuclear Engineering at MIT specializing in reactor coolant modeling and simulation.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/ben-magolan-69537611a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f1ac5cbcd5a91a6d1c0a35c145d924e349a8ffc1.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 70012, "title": "Paperplane - Automatically update Salesforce after sales calls using NLP.", "tagline": "We analyze sales calls to update all of the fields, objects, and notes you need in Salesforce.", "body": "**TLDR**: ✈️ [**Paperplane**](https://www.paperplane.ai/) **automatically updates Salesforce after sales calls. Sales teams at fast-growing B2B companies do 14%+ more calls per week because they no longer have to spend hours updating their CRM.**\n\n![](https://bookface.ycombinator.com/media/?type=post&id=70012&key=user_uploads/312272/108c66cb-2f3c-4a62-865b-c88b96f03b74)\n\n### **The Problem:**\n\nThere are over **3 million** B2B salespeople in the US, and each of them spends 3-6 hours each week manually updating their CRM with data about their customers and live deals. \n\nThis creates a problem at every layer of large and fast-moving sales teams.\n\nReps at companies like Nextdoor, Twilio, Checkr, and Front spend **10-15% of their time** on data entry versus actually selling; Sales leaders spend hours chasing reps for updates; and sales-ops / rev-ops teams deal with their **CRM missing \\~50% of opportunity data**. This has always made it difficult for sales teams to know what is really happening and which deals are at risk.\n\nIn an environment where many B2B companies have to do more with less, something has to give.\n\n### **Our Solution:**\n\n**Paperplane solves this problem by automatically updating Salesforce after every sales call.** \n\nWe plug into a sales team’s conversational intelligence platform (e.g. Gong, Chorus, Wingman) and Salesforce.\n\nAfter the call, Paperplane transcribes and extracts the required Salesforce fields (eg. next steps, follow-ups, pain points, MEDDIC) and notes. No keywords, tracking words, or scripts to adhere to. Paperplane’s NLP model is built to retrieve the correct data regardless of phrasing and is grounded to mitigate hallucinations that are common with language models today.\n\n![Paperplane application dashboard](https://assets.website-files.com/61dda3a6f044ba05c5199801/63c85e1f69303cf09805823d_PIc%203.svg)\n\n![uploaded image](/media/?type=post&id=70012&key=user_uploads/312272/b1a55bb7-eba1-42d4-b245-fcbc8dd9e1c8)\n\nOnce done, sales leaders get the updates and notes they need in minutes and reps no longer spend hours moving data from their notes into Salesforce.\n\nWe’re currently working with a handful of fast-growing B2B companies to increase their pipeline visibility, improve sales productivity, and help them understand why they’re winning/losing.\n\n## **Our Ask 🙏**\n\n1. If you’re interested in a pilot, please email us at [founders@paperplane.ai](mailto:founders@paperplane.ai).\n2. Share this post with any sales or revops leaders or sales teams that fight Salesforce everyday. We’ll send you a WHOOP or Paperplane swag!", "url": "https://www.ycombinator.com/launches/IDE-paperplane-automatically-update-salesforce-after-sales-calls-using-nlp", "votes": 34, "created_at": "2023-03-07T20:08:00.230Z" } ] }, { "id": 27699, "name": "Concourse", "slug": "concourse", "former_names": [ "Factr" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a23ab54dfc7d4f1d332c905fd3e054c452007712.png", "website": "https://concourse.ai/", "all_locations": "New York City, NY, USA", "long_description": "Concourse is the vertical AI platform for enterprise finance teams. \r\n\r\nFinance teams accelerate their AI transformation by building production-ready agents that own end-to-end workflows across departments. Concourse agents deliver higher accuracy, lower cost, and stronger governance than AI assistants and base LLMs: they connect to your core data sources, encode your business logic, compute math in code instead of generating it, and trace every output back to source. 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Move beyond 1:1 AI with shared memory and collaboration.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/caitlin-short/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5868eb7d624404cd7853aff3e93d32c76428f691.jpg" } ], "jobs": [], "news": [ { "title": "U-M alums bring better finance tech to entertainment", "url": "https://cse.engin.umich.edu/stories/u-m-alums-bring-better-finance-tech-to-entertainment", "date": "Mar 19, 2024" }, { "title": "Akanksha Singh", "url": "https://www.forbes.com/profile/akanksha-singh/?sh=f0bcb2236767", "date": "Nov 28, 2023" }, { "title": "Backdrop: Spearheading Technological Transformation", "url": "https://blog.artistconnect.de/backdrop/", "date": "Jul 25, 2023" }, { "title": "Our favorite startups from YC’s Winter 2023 Demo Day — Part 2 | TechCrunch", "url": "https://techcrunch.com/2023/04/06/y-combinator-demo-day-2023-favorites-part-two/", "date": "Apr 06, 2023" } ], "launches": [] }, { "id": 27735, "name": "Numeral", "slug": "numeral", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7a499f6b96256283dc99bacb914267102619b349.png", "website": "https://www.numeral.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Numeral is the trusted solution for U.S. sales tax, VAT, and GST compliance, used by 3,500+ global businesses, including Eight Sleep, Supabase, and Brex.\r\n\r\nOur end-to-end platform keeps our customers compliant wherever they sell, with registrations, filings, calculations, and ongoing compliance support.\r\n\r\nNumeral’s AI-native solution covers more than 90 countries and tens of thousands of jurisdictions and is built for accuracy and scale.", "one_liner": "The AI-native sales tax solution.", "team_size": 130, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1672355505, "tags": [ "Fintech", "SaaS", "Finance", "Compliance", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/numeral", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/numeral.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/numeralhq", "x_url": "https://x.com/numeral", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7a499f6b96256283dc99bacb914267102619b349.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": 930846, "full_name": "Matt DuVall", "title": "Founder", "founder_bio": "Long-time product engineer, launched Stripe Checkout and Stripe Radar (2014-19), led teams on performance and product at Notion (2020-2022).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mduvall/", "x_url": "https://www.twitter.com/mduvall_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/66c57ea545cc4f0f7e603488c18f34b6d10d258a.jpg" }, { "user_id": 230362, "full_name": "Sam Ross", "title": "Founder", "founder_bio": "Founded an e-commerce studio that generated over $100M in revenue. 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$400K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 114411, "title": "Software Engineer (Platform)", "url": "https://www.ycombinator.com/companies/numeral/jobs/AN4bV6V-software-engineer-platform", "location": "San Francisco, CA, US / New York, NY, US / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $300K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 116902, "title": "Strategic Finance Lead", "url": "https://www.ycombinator.com/companies/numeral/jobs/HFYTGC8-strategic-finance-lead", "location": "New York, NY, US", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$165K - $225K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Numeral raises $100m Series C for AI sales tax compliance", "url": "https://thenextweb.com/news/numeral-100m-series-c-insight-partners-ai-sales-tax", "date": "Sep 23, 2026" }, { "title": "Numeral raises $35M to automate sales tax with AI | TechCrunch", "url": "https://techcrunch.com/2025/09/18/numeral-raises-35m-to-automate-sales-tax-with-ai/", "date": "Sep 18, 2025" }, { "title": "Numeral: Building the Global Tax Platform", "url": "https://www.youtube.com/watch?v=5jHWBQqiylo", "date": "Sep 15, 2025" }, { "title": "Benchmark leads $18M deal in sales tax AI startup, Numeral", "url": "https://www.axios.com/pro/fintech-deals/2025/03/04/benchmark-sales-tax-ai-numeral", "date": "Mar 04, 2025" } ], "launches": [ { "id": 70649, "title": "Numeral - Ecommerce sales tax on autopilot", "tagline": "We do everything from registration to remittance.", "body": "TLDR: Numeral automates sales tax compliance for ecommerce stores. We do everything from registration to remittance.\n\n### **Problem**:\n\nIn 2018, the [Supreme Court ruled](https://en.wikipedia.org/wiki/South_Dakota_v._Wayfair,_Inc.) that states can require out-of-state merchants to charge sales tax.\n\nThis means Shopify stores are now required to register with up to 47 state agencies and potentially submit 47 monthly filings.\n\nAdditionally, there are over 13,000 local jurisdictions, each with their own complex set of rules and rates.\n\nIn Iowa, for example, Snickers bars are taxed, while Twix bars are tax-exempt because they contain flour. 🙄\n\nThe current solutions are confusing, self-serve products that offer little to no service.\n\n### **Solution:**\n\nNumeral automates the entire process for ecommerce sellers. Just connect your Shopify, Amazon, or other store and we handle the rest.\n\n* Registration: We can register companies in all 47 sales tax charging states.\n* Monitoring: We monitor for sales tax rate changes and automatically adjust your tax settings.\n* Filing: Lastly, we submit tax returns & payments on your behalf.\n\n![](https://lh5.googleusercontent.com/xkilm56kCWPHeUyHBIY4a-dsuiEyZgxaIoWV0bcsxo-WXl3fZxZ2qWf5D3I6xy0at4xZ8gvmkxmM245gEWXLIil-WFtvKERRMZmy22bsNB4A95owzOuA7mY1MC3FwQLB9A1gRsqPiG9o85HRpybvCaI)\n\n### **Why us?**\n\n**Kevin** - Kevin is a licensed CPA in the state of California. After working in Big 4 Accounting, Kevin went on to start multiple ecommerce businesses. Kevin and Sam co-own a Shopify brand that does $10M+ in annual revenue.\n\n**Sam** - Sam ran his own bootstrapped e-commerce studio that generated over $50M in revenue over the last 4 years. He previously worked in growth & product roles at Airbnb (W09) and Teespring (W13).\n\n### **Want to learn more?**\n\nIf you know any Shopify or ecommerce owners in general, we’d love to help get them compliant.\n\nSignup or book a demo here: ", "url": "https://www.ycombinator.com/launches/INV-numeral-ecommerce-sales-tax-on-autopilot", "votes": 38, "created_at": "2023-03-30T17:21:39.106Z" } ] }, { "id": 27740, "name": "Mercoa", "slug": "mercoa", "former_names": [ "Dinora" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b67b90e4f6e84745cd503648bae4a2ed818421e4.png", "website": "http://mercoa.com", "all_locations": "San Francisco, CA, USA", "long_description": "Mercoa helps AP and Spend management platforms drive more virtual card volume from their BillPay customers. Our agent identifies card-eligible invoices and securely pays them through supplier portals or payment links. ", "one_liner": "AI Agent for Billpay platforms to pay invoices with virtual cards", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1676998433, "tags": [ "Fintech", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "We spent all of 2023 building our core product with a select group of core customers. In 2024, we invested in our go-to-market motion and are now growing at 20% month-over-month. " } ], "url": "https://www.ycombinator.com/companies/mercoa", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/mercoa.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/mercoa/", "x_url": "https://twitter.com/MercoaFinance", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/mercoa", "github_url": "https://github.com/mercoa-finance", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b67b90e4f6e84745cd503648bae4a2ed818421e4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 6155, "full_name": "Sai Arora", "title": "Founder", "founder_bio": "Founder at Mercoa\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/saiarora", "x_url": "https://twitter.com/Sarora27", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cdaae56239bc9674742a763c6b03ae527c5b6444.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 92877, "title": "Mercoa CardPay: AI Agents for B2B Virtual Cards", "tagline": "Mercoa converts check & ACH payments to virtual card payments.", "body": "# TL;DR\n\nMercoa converts check & ACH payments into virtual card payments. Our CardPay agent knows which vendors accept cards, what fees they charge, and pays them through portals, links, phone, or email.\n\nhttps://youtu.be/Qg5im2qhwlQ\n\n# The Problem\n\nIf you process millions of dollars in B2B payouts to vendors, you know virtual cards make money.  Our data across 11 BillPay platforms shows that **15-30% of all ACH transactions processed could be paid by card**. \\\n\\\nWhen a vendor accepts your virtual card, you make a percent back through interchange. Unfortunately, a majority of AP platforms, procurement software, supply chain systems, and enterprises with card issuing programs pay vendors through ACH & check. This volume is missed interchange revenue.\\\n\\\nToday, platforms try capture this revenue by:\n\n**1) Asking users to deliver the card themselves**\n\nCustomers use your BillPay for control over approvals and payment timing. Forcing them to generate virtual cards and key them into vendor portals undermines that control.\n\nFor example, Brex BillPay asks users to assign a member of their team to pay a vendor bill using a virtual card.\n\n![uploaded image](/media/?type=post&id=92877&key=user_uploads/6155/14c18a23-33ea-4d8a-9ce6-8c031e890909)\n\nWhen you ask your customers to deliver the card themselves, you’re also asking them to figure out if a vendor will accept cards. This is a side quest your users do not want to complete. Your customers end up choosing the path of least resistance (ACH & Check) instead of paying by card.\n\n**2) Hiring a vendor enablement team.**\n\nThe other solution is to hire a vendor enablement team. These teams identify vendors who accept cards, check their fees, and process payments by:\n\n* Logging into portals & manually entering card details\n* Calling vendors & reading card details over the phone\n* Emailing card details directly to the vendor\n\nThis approach is slow, expensive, and impossible to scale without adding more people. \n\nSome platforms hire these teams internally. We spoke with one AP platform that staffs 40 vendor ops employees solely to call vendors or type card numbers into portals by hand. \\\n\\\nOthers outsource the work to issuer services like FIS, or Corpay. These providers deliver a poor experience, send cards by email without context, and pressure vendors to join a network.\n\n# The Mercoa CardPay Agent\n\nMercoa automates the entire vendor payment workflow; from identifying which vendor will take a card to delivering that card through the right channel.\\\n\\\nWe do this by: \n\n1. **Plugging directly into your AP or Bill Pay product**. When your customer schedules an invoice, we analyze it in real time and flags if it is cardable and whether fees apply.\n2. **Automating card delivery.** On the scheduled date, our agent takes a card (**issued by you**)  logs into the vendor portal, uses the invoice link, or follows the vendor’s required process to submit a virtual card payment. No human involvement is required.\n3. **Providing full confirmation:** We return a payment confirmation along with a receipt back to your system so the bill is marked as paid, keeping your workflow intact.\n\n![uploaded image](/media/?type=post&id=92877&key=user_uploads/6155/2c2bc28d-86d1-4d3a-86d6-0d5f8c24d7f5)\n\nDrop in our agent with **2 API calls** and start capturing the margin you are missing today. \n\nOur Agent requires zero changes to your customer experience and works with your card issuing program. \n\nA company using Mercoa can make up to **$26k for every $1 Million processed** through cards. \n\n# How did we get here?\n\nWe were building an embedded Bill Pay platform for SaaS companies to offer AP/BillPay to their customers. We launched Bill Pay for 11 platforms in under a year. \n\nWhile processing their invoices, we kept seeing the same thing:\n\n**15–30% of payments could be paid by card with no fee, but weren’t.**\n\nThe roadblocks were always the same:\n\n1. No one knew which vendors would take a card\n2. What the fee would be,\n3. How to deliver it without breaking the workflow.\n\nThen bigger AP platforms started calling us. They didn’t want our whole Bill Pay product. They just wanted the part that solved vendor acceptance and delivery.\n\nThat’s when we realized the bigger play wasn’t building another AP platform. It was giving every platform and enterprise the ability to turn vendor payments into profits. We’re starting with virtual card payments and see a large opportunity to handle the full vendor enablement journey.\n\n## Our Ask:\n\nAre you a platform or enterprise that wants to make more vendor payments through cards? Do you have a vendor ops team that’s drowning in manual work?\n\nWe’d love to show you how you can capture more card margin without more ops. \\\n\\\nEmail [sai@mercoa.com](mailto:sai@mercoa.com) or book a [demo](https://calendly.com/sai-mercoa/30-minute-chat) today!", "url": "https://www.ycombinator.com/launches/OA1-mercoa-cardpay-ai-agents-for-b2b-virtual-cards", "votes": 8, "created_at": "2025-08-11T15:12:35.662Z" }, { "id": 69478, "title": "Mercoa: The accounts payable & BillPay API for B2B fintechs", "tagline": "Offer B2B BillPay & AP to your customers and monetize payments out.", "body": "Hi everyone! We’re Sai and Sandeep and we’re building Mercoa.\n\n### TL;DR\n\n[Mercoa](https://mercoa.com) lets any B2B fintech offer BillPay and Accounts Payable services to their customers. Use our drop-in iframe or API to offer your users one place to manage and pay all of their invoices.\n\n### The Problem:\n\nB2B fintechs want to be the one-stop-shop for their customers to manage their business finances. Customers want to manage their open bills & invoices on the same platform where they are receiving payments.\n\nHelping customers get paid is usually one of the first things a B2B fintech builds. Customers are willing to pay a payment processing fee, so monetizing incoming payments is seen as an easy win.\n\nOn the other hand, helping customers make invoice and bill payments is not as simple. Aside from building the complex software needed to manage and process these payments, most fintechs do not see a clear way to monetize payments out.\n\n### Monetizing Payments Out:\n\nThe best way to make money from B2B BillPay is to offer premium payment options that help customers maintain their cash flow while ensuring their vendors are paid on time. These options include:\n\n![uploaded image](/media/?type=post&id=69478&key=user_uploads/6155/329aba45-12ca-4c42-90d4-7227c80aa20e)\n\nBefore a business can offer these options to their customers, they first need to build a software experience that lets their customers pay their bills & invoices with confidence. This experience consists of eight different components that must be tightly integrated together:\n\n![uploaded image](/media/?type=post&id=69478&key=user_uploads/6155/b5468918-1141-42c3-9ef2-8f4feeb4d11a)\n\nMost companies piece together a solution with some but not all of these components in an effort to launch as quickly as possible. They find themselves in an endless cycle of optimizing an experience with no meaningful end in sight to start monetizing. Some companies we spoke with spent three years optimizing their BillPay experience. Others ended up abandoning their BillPay efforts.\n\n### Our Solution: A white-labeled, embedded BillPay experience with pre-built payment monetization\n\nWith Mercoa, offering BillPay and Accounts Payable services to your users is as simple as dropping our iframe into your product.\n\n![uploaded image](/media/?type=post&id=69478&key=user_uploads/6155/07acf804-a804-4e6b-821d-66349d464ab3)\n\nUsing our drop-in iframe or API, you can offer your users one place to:\n\n* Manage open invoices & bills\n* Schedule payments\n* Invite vendors to choose how they want to receive their payment\n\nWhen you offer AP using Mercoa, your users can:\n\n* Pay any invoice by credit card\n* Pay any invoice by ACH\n* Pay any invoice with BNPL\n\nAnd your user’s vendor can:\n\n* Receive their payment via check\n* Receive their payment via ACH\n* Receive their payment via Virtual Card\n\nThe best part is whenever a user or a vendor chooses a premium payment option, Mercoa shares revenue generated with you.\n\nOur payments-focused BillPay experience decouples a bill payment transaction; allowing payers to pay how they want and letting vendors choose how they want to receive their payment. Our goal is to be a payments orchestration engine that can power any BillPay or Accounts Payable process.\n\n### BillPay is so boring! Why are we working on this?\n\nIn a previous life, Sai was a payments lead at [Bill.com](http://Bill.com). There, he integrated [Bill.com](http://Bill.com) with a neobank and led the Instant Transfer line of business. Both of these experiences exposed him to the challenges B2B neobanks face in offering BillPay to their customers. Sai realized that [Bill.com](http://Bill.com)’s systems were completely unoptimized for an embedded use case which is becoming more common with the rise of B2B vertical SaaS and fintech platforms.\n\nWe believe we’re still in the very early innings of digital B2B BillPay and see a massive opportunity to digitize the $25 trillion in annual business payments in the US and eventually the globe!\n\n### Our Ask:\n\n* Want to offer Accounts Payable services to your customers? Book a [demo](https://calendly.com/sai-mercoa/insider-s-guide-chat-clone?back=1&month=2023-02) or email Sai at [sai@mercoa.com](mailto:sai@mercoa.com)\n* Know a company who is looking to offer Accounts Payable services to their customers? Share this post with them!\n* Want to learn more about what it takes to stand up an Accounts Payable experience? Check out our [Insider’s Guide to Accounts Payable](https://docs.google.com/document/d/1kZukm7smcP932BgdyUMHAh8q7Txg73KCOlKs1On_UYE/edit#)", "url": "https://www.ycombinator.com/launches/I4c-mercoa-the-accounts-payable-billpay-api-for-b2b-fintechs", "votes": 108, "created_at": "2023-02-21T16:14:17.815Z" } ] }, { "id": 27808, "name": "Salient", "slug": "salient", "former_names": [ "Techstyle", "VoxPop" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f78d48c4c1feae2f8495a8a4df57cd2b6fe14153.png", "website": "https://www.trysalient.com", "all_locations": "San Francisco, CA, USA", "long_description": "Salient is an AI workflow automation tool for lenders. We're working with the largest auto lenders in America and are hiring! ", "one_liner": "AI Servicing for Auto Lenders", "team_size": 40, "industry": "B2B", "subindustry": "B2B", "launched_at": 1677110461, "tags": [ "Fintech", "Generative AI", "B2B", "Operations", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/salient", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/salient.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f78d48c4c1feae2f8495a8a4df57cd2b6fe14153.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 667998, "full_name": "Ari Malik", "title": "Founder", "founder_bio": "Tesla, Goldman Sachs, Columbia. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ari-malik-8aaa77229/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b95934d9ff6be0dae741a6abb63422b7a7f67159.jpg" }, { "user_id": 271755, "full_name": "Mukund Tibrewala", "title": "Founder", "founder_bio": "Founder/CTO at Salient. ex- SWE @Airtable @Dropbox. CS + Robotics @Carnegie Mellon, where I built a real-life Harry Potter Wizard's Chess set. \n\nWhen I'm not in front of my MacBook, I climb mountains and rock faces, bike around the Bay Area, and read way too much Kerouac.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mukundt/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5253c0539c78fa27585e34711c4340b59c3d09d9.jpg" } ], "jobs": [ { "id": 76295, "title": "Software Engineer, Product", "url": "https://www.ycombinator.com/companies/salient/jobs/I86oNbB-software-engineer-product", "location": "SF Headquarters", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K - $200K", "equity_range": "0.01% - 0.04%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "JavaScript", "Python", "TypeScript" ] }, { "id": 89627, "title": "Head of People", "url": "https://www.ycombinator.com/companies/salient/jobs/P5cDLb4-head-of-people", "location": "SF Headquarters", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Recruiter", "salary_range": "$200K - $250K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 95453, "title": "Technical Recruiter ", "url": "https://www.ycombinator.com/companies/salient/jobs/Bis66Co-technical-recruiter", "location": "SF Headquarters", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Recruiter", "salary_range": "$120K - $160K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 98853, "title": "Sr Software Engineer, Product", "url": "https://www.ycombinator.com/companies/salient/jobs/uchoRG8-sr-software-engineer-product", "location": "SF Headquarters", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $260K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 98854, "title": "Applied AI Engineer", "url": "https://www.ycombinator.com/companies/salient/jobs/EusrhOV-applied-ai-engineer", "location": "SF Headquarters", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $300K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102712, "title": "Full Stack Engineer, Front-End", "url": "https://www.ycombinator.com/companies/salient/jobs/gNsu9fP-full-stack-engineer-front-end", "location": "SF Headquarters", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102717, "title": "Technical Recruiter ", "url": "https://www.ycombinator.com/companies/salient/jobs/oExhPG5-technical-recruiter", "location": "SF Headquarters", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Recruiter", "salary_range": "$120K - $160K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102718, "title": "AI Deployment Lead", "url": "https://www.ycombinator.com/companies/salient/jobs/uBIgKib-ai-deployment-lead", "location": "SF Headquarters", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$170K - 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Our AI generates clear analyses and financial models for any public company, and our fundamental data fulfills almost every research need. We save investors hours every day by eliminating the need to manually dig through financial filings. Customers trust our reports because every number is backed by citations to our proprietary financial data warehouse. We inform $1+ billion of trades every day, and we’re just getting started. Check us out at dataglade.com.", "one_liner": "The smart way to research stocks.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677170450, "tags": [ "Fintech", "Generative AI", "SaaS", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/dataglade", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/dataglade.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://linkedin.com/company/dataglade", "x_url": "https://twitter.com/dataglade", "fb_url": "https://facebook.com/dataglade", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/744f46d0d325c233ded71498a19cdf197a21cade.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 311219, "full_name": "Ash Rai", "title": "Founder", "founder_bio": "Ash is the Co-Founder and CEO of Dataglade. Before Dataglade, Ash founded a hedge fund from his freshman dorm room at Vanderbilt and grew it to $1 million AUM before turning 20. He was the country’s youngest-ever registered investment advisor. While running the fund, Ash was cut off from his university’s Bloomberg Terminal for overuse, so he built his own solution. Ash graduated early from Vanderbilt University with degrees in Economics, History, and Classics.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ashraiofficial/", "x_url": "https://twitter.com/ashraioff", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ea5692e1df6ea6fa4083c3989ee0fc74b468a1d2.jpg" }, { "user_id": 1168760, "full_name": "Patrick Higgins", "title": "Founder", "founder_bio": "Patrick grew up tinkering with whatever computers he could get his hands on, building apps with his friends, and learning lessons from trying to trade the stock market. Now, he's building Dataglade.", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/50793bc0a0a45e3d7e219740d9f26f762c3c6710.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27832, "name": "Trigo", "slug": "trigo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f4995777223c0a6941873d356643ed969835aea5.png", "website": "https://trigodata.com/", "all_locations": "New York City, NY, USA; Remote", "long_description": "Trigo aggregates consumer rent history to help landlords approve better tenants and lenders write more loans. No solution exists to consistently furnish this rent verification to landlords and lenders today. The largest database has only 3% coverage of rent data.\r\n\r\nTrigo is a Consumer Reporting Agency (CRA) that provides this missing rent data set through a real-time API and web application. We are repeat founders with consumer data and finance experience across Harvard, Citigroup, Experian, and Amazon.", "one_liner": "Rent verification API for landlords and lenders", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1675306671, "tags": [ "Fintech", "B2B", "Proptech", "API", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Acquired", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/trigo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/trigo.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/trigo-data/", "x_url": "https://twitter.com/TrigoData", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f4995777223c0a6941873d356643ed969835aea5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 741033, "full_name": "Sam Stein", "title": "Founder", "founder_bio": "Sam is the Co-founder & CEO of Trigo. Sam joins Trigo as a repeat founder previously in the food tech space. Prior to that, he spent 8 years in finance and private company investing at Citi, Richard Branson's Virgin Group, and RedBird Capital. Sam is a mission-driven founder excited about social impact. Born and raised in Atlanta, GA. Currently based in New York City. Sam has a B.A. in Government from Harvard.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sam-s-8300188/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4613485b3a1220dd854a1c7d0720afa23c808235.jpg" }, { "user_id": 1092278, "full_name": "Abe Wheeler", "title": "Founder", "founder_bio": "Abe built Trigo (YC W23), the first API for consumer rent data. Trigo was acquired by Snappt in August 2025.\n\nAbe is currently building the agent operations platform at Alignbase.\n\nBefore Trigo, Abe built AI adtech systems at Amazon. He has a B.S. in Computer Science from the University of Southern California.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abrahamwheeler/", "x_url": "https://x.com/AbeWheeler5", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/54bcac822afe309a0b8920baa84fcd3f24b81aea.jpg" } ], "jobs": [], "news": [ { "title": "Snappt Acquires Trigo, Secures $50M Growth Financing - Los Angeles Times", "url": "https://www.latimes.com/b2b/ai-technology/story/2025-08-06/snappt-acquires-trigo-secures-50m-growth-financing", "date": "Aug 06, 2025" }, { "title": "Snappt Acquires Trigo to Strengthen Trust Infrastructure in Multifamily Leasing - Multifamily Executive", "url": "https://www.multifamilyexecutive.com/technology/snappt-acquires-trigo-to-strengthen-trust-infrastructure-in-multifamily-leasing", "date": "Aug 05, 2025" }, { "title": "Snappt Acquires Trigo to Enhance Applicant Trust Platform for Multifamily Housing, Secures $50M Growth Financing", "url": "https://finance.yahoo.com/news/snappt-acquires-trigo-enhance-applicant-160000786.html", "date": "Aug 04, 2025" }, { "title": "Snappt Acquires Trigo to Enhance Applicant Trust Platform for Multifamily Housing, Secures $50M Growth Financing – Company Announcement - FT.com", "url": "https://markets.ft.com/data/announce/detail?dockey=600-202508051200BIZWIRE_USPRX____20250805_BW739999-1", "date": "Aug 04, 2025" } ], "launches": [ { "id": 69852, "title": "🏠 Trigo 🏠 Rent data API for landlords and lenders", "tagline": "Approve better tenants & write more loans with rent data", "body": "Hi! We’re [Sam](https://www.linkedin.com/in/samsonstein/) & [Abe](https://www.linkedin.com/in/abrahamwheeler/), founders of [Trigo](https://trigodata.com/).\n\n**TLDR:** **Trigo** aggregates **consumer rent history** to help **landlords approve better tenants** and **lenders write more loans**. We have **25x more coverage** than the credit bureaus, and we’ve already consolidated **tens of thousands of rental units** to provide data instantly.\n\n![uploaded image](/media/?type=post&id=69852&key=user_uploads/1092278/edd9cd08-b7d8-48f6-8830-8a7d9f3d4731)\n\n## ❓ Rent Data is Missing\n\n🏠 **Landlords**: **Bad debt & evictions are at all time highs** in the U.S., and landlords need more data for added protection across the **60+ million tenants screened annually**. Applicants with positive rent history are **4x more likely** to pay their rent on-time and in full.\n\n🏦 **Lenders**: In 2021, financial institutions including Fannie Mae and Freddie Mac added rent payment data to their underwriting models to expand access to credit. Without rent data to input into these models, **lenders are writing 17% fewer loans than they could**. That’s a lot of missed loans across the **300 million consumer loan originations** annually in the U.S.!\n\n❌ **No solution exists** to consistently furnish this data to landlords and lenders today. The largest database has only **3% coverage** of rent data.\n\n## 🔌 Trigo Rent API\n\n**Trigo** is a federally regulated **Consumer Reporting Agency (CRA)** that provides this missing rent data set through a **real-time API** and web application. We’ve already consolidated **tens of thousands of rental units** to provide **instant data**. Where we don’t yet have data coverage, we **automate outreach** to landlords.\n\n## 👋 About Us\n\nWe’re repeat founders with consumer data and finance experience across Experian, Citigroup, and Amazon.\n\nTrigo began when Sam pulled his own credit report and realized not one of his landlords over the past decade had reported a single month’s rent payment to the credit bureaus. With a little research, we discovered that **this data has only 3% coverage in the market today**.\n\nSam met Abe through [YC cofounder matching](https://www.ycombinator.com/cofounder-matching) (amazing product - 🤝 YC!), and the rest is history.\n\n## 🙏 Our Ask\n\nThanks for reading about us. If you or someone you know is interested in our data, you can reach us at [**contact@trigodata.com**](mailto:contact@trigodata.com). In particular, we would love to talk to:\n\n1. **Landlords**\n2. **Property managers**\n3. **Proptech providers**\n4. **Lenders**: financial institutions or fintechs—mortgages, personal loans, credit cards, auto loans, etc.", "url": "https://www.ycombinator.com/launches/IAe-trigo-rent-data-api-for-landlords-and-lenders", "votes": 78, "created_at": "2023-03-01T22:01:50.095Z" } ] }, { "id": 27841, "name": "Bujeti", "slug": "bujeti", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/62a7ef894596096ec275d7930a661da71c364631.png", "website": "https://www.bujeti.com", "all_locations": "Paris, Île-de-France, France; Remote", "long_description": "Control spending, process payments, manage payroll, and multi-currency operations with approval workflows, total visibility and control, from one unified platform", "one_liner": "The Finance Control Centre for African Businesses", "team_size": 35, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1673189707, "tags": [ "Fintech", "SaaS", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "France", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bujeti", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/bujeti.json", "year_founded": 2021, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/bujeti", "x_url": "https://twitter.com/Bujetihq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/62a7ef894596096ec275d7930a661da71c364631.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 156795, "full_name": "Achille AROUKO", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://linkedin.com/in/achille-arouko", "x_url": "https://twitter.com/alekaizer", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/01307d9c3411ba249b3b7b3fabc88b74d656b1ea.jpg" }, { "user_id": 882789, "full_name": "Samy Chiba", "title": "Founder", "founder_bio": "COO at Bujeti ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samychiba/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5d565bd8ec98695b5319331f901c48d289a0247a.jpg" } ], "jobs": [], "news": [ { "title": "Bujeti launches AI agents to automate routine finance work", "url": "https://techcabal.com/2026/09/16/bujeti-launches-ai-agents-to-handle-finance-work/", "date": "Sep 16, 2026" }, { "title": "Bujeti launches payroll to drive financial control for African businesses | TechCabal", "url": "https://techcabal.com/2026/05/21/bujeti-payroll-for-african-businesses/", "date": "May 21, 2026" }, { "title": "Bujeti launches tax management solution as Nigeria's reforms shape | Business Insider Africa", "url": "https://africa.businessinsider.com/local/markets/bujeti-launches-tax-management-solution-as-nigerias-reforms-shape/yegcdn1", "date": "Feb 12, 2026" }, { "title": "Bujeti to Power Financial Inclusion for 10M Nigerians", "url": "https://punchng.com/bujeti-signs-partnership-with-presidential-committee-to-power-financial-inclusion-for-10-million-nigerians/", "date": "Feb 06, 2026" }, { "title": "YC-backed fintech Bujeti raises $2M for its corporate cards and spend management platform | TechCrunch", "url": "https://techcrunch.com/2023/12/07/yc-backed-fintech-bujeti-raises-2m-for-its-corporate-cards-and-spend-management-platform/", "date": "Dec 07, 2023" } ], "launches": [ { "id": 69607, "title": "💳📈 Bujeti - Corporate cards and expense management platform for African businesses", "tagline": "We help African businesses issue corporate cards, control and manage their expenses", "body": "**TL;DR:** We help African businesses in industries such as Healthcare, Logistics, Agriculture and Construction easily issue corporate cards to their employees and contractors to streamline their spendings. We help them control and manage their expenses by setting up spending limits, restrictions and approval flows for their decisions makers, staff and suppliers.\n\n## **Who are we?**\n\nHello everyone, we are Achille and Samy from [Bujeti](https://www.bujeti.com)\n\n🧠 [Achille](https://www.linkedin.com/in/achille-arouko): Drives ideas and make things come to life. 8yoe engineer, 3+ years at [Paystack](https://paystack.com), and 3x founder in Fintech and AI.\n\n🧠 [Samy](https://www.linkedin.com/in/samychiba/): He keeps us compliant and makes operations go smoothly. 2 MsC in Business Administration, 2 years at Ariane Group, former ceo SmartSoft Europe.\n\n![uploaded image](/media/?type=post&id=69607&key=user_uploads/156795/e5c7ef67-82e9-4d84-b95d-7bc5b2190f28)\n\n# **What is a corporate card and why is it hard to get one in Africa?**\n\nA corporate card is a debit or credit card issue by a business to its employees, generally issued to upper management (CXO, Accountants, Team Managers, etc.) and a select number of employees to make payments on behalf of the company.\\\nIn the US and EU, bank card penetration is very high and the process for businesses to get multiple cards from their banks is pretty straightforward— but in Africa where card penetration is still low, getting a card for a business isn’t as straightforward as it should be, much less for multiple cards.\n\nThis is an even a bigger problem for traditional businesses in industries like Agriculture, Logistics, Healthcare, Construction— businesses that are not tech heavy, but contribute to a big part of the GDP of most of African nations. To go around that, businesses generally have one card that they pass around which causes a lot of security, control and fraud issues.\n\n![uploaded image](/media/?type=post&id=69607&key=user_uploads/156795/062f9c7e-3473-43c3-a797-c4dfc1932fd1)\n\n# **How do we fix it?**\n\nTo help fix that problem and allow African businesses to issue cards at will to their employees, while maintaining the control of their spendings, we launched Bujeti, an all-in-one corporate cards and expenses management platform.\n\nWe also help them:\n\n* **Budget** their expenditures to keep their finances afloat\n* **Monitor** and **track** all the expenses made in the company\n* Facilitate **receipts** tracking and collection\n* Automate **Account Payables & Receivables**\n* Set up **spending limits and approval** flow to make sure the resources are well used and create value\n* **Reimburse** out of pocket expenses of their employees\n* **Run payroll**\n* Integrate their **accounting softwares**(QuickBooks, Xero, etc…)\n* Automate **reconciliation** and **reporting**\n\n![uploaded image](/media/?type=post&id=69607&key=user_uploads/156795/43997f82-7bf2-4595-a226-48eccb71c0db)\n\n# **How did we get here?**\n\nAchille wanted to build a personal finance and expenses management app for the African Diaspora that helps automate remittances while keeping an eye on how money sent back home was being spent. While building that, he realized the problem he was trying to solve for individuals, was in fact a problem that also affected businesses. That’s when we pivoted from B2C to B2B to solve expense management issues for African businesses.\n\n# **Our ask 🙏🏾**\n\n* Connect us to **CFO, Accountants, Country Managers** and **HR** leaders that operate in Africa in your network\n* Connect us to an African Logistics, Construction, Healthcare, Agriculture company in your network\n* Connect us VISA or Mastercard\n* Connect us to your CFO or Accountant to help us understand even better their needs and improve our offering\n* Share our post on your social media to help us increase awareness 🚀", "url": "https://www.ycombinator.com/launches/I6h-bujeti-corporate-cards-and-expense-management-platform-for-african-businesses", "votes": 47, "created_at": "2023-02-23T17:48:51.970Z" } ] }, { "id": 27842, "name": "Chart", "slug": "chart", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/09db813dada056c514e465d4e87a8f422f954e3c.png", "website": "https://trychart.com", "all_locations": "San Francisco, CA, USA", "long_description": "Chart's Unified Tax Record API provides a direct bridge to tax records from the IRS, state tax agencies, and major tax preparation platforms such as TurboTax and H&R Block.", "one_liner": "Realtime Access to Verified Tax Records", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677011489, "tags": [ "FinOps", "Fintech", "Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/chart", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/chart.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/trychart", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/09db813dada056c514e465d4e87a8f422f954e3c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 742211, "full_name": "Fatih Celikbas", "title": "Founder", "founder_bio": "Building the only real-time API for verified tax data.\n\nPreviously at Meta.\nYale 20'", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fatih-celikbas", "x_url": "https://twitter.com/clkbsfth", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/58645dff06cd393e922af666c7bf99817bfab87f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27853, "name": "Cobblestone", "slug": "cobblestone", "former_names": [ "AppDoma" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6cf240361cd25bc54d8ed95f6708c9750de6531f.png", "website": "https://getcobblestone.com", "all_locations": "New York City, NY, USA", "long_description": "We're building software to help institutional landlords reduce delinquency starting with fraud reduction.", "one_liner": "Delinquency reduction and automation software for institutional…", "team_size": 3, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction", "launched_at": 1725807872, "tags": [ "Fintech", "Real Estate", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Acquired", "industries": [ "Real Estate and Construction" ], "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/cobblestone", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/cobblestone.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6cf240361cd25bc54d8ed95f6708c9750de6531f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1160727, "full_name": "Jack Mastrangelo", "title": "Founder", "founder_bio": "Cofounder of Cobblestone, ex-Ramp & Facebook software engineer.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jack-mastrangelo/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/913b6ec36d4e653ca898ab802e012b33989ba534.jpg" }, { "user_id": 601611, "full_name": "Jason Scharff", "title": "Founder", "founder_bio": "Co-Founder of Cobblestone. Previously Engineering at Ramp and Robinhood.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jasonscharff/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e228871769125afca7f2c634d287d9cfabe124cc.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 27862, "name": "Bluedot", "slug": "bluedot", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d8fd6f1d5fb7457d7a65b3b8719a1b2c7f07928b.png", "website": "https://thebluedot.co/", "all_locations": "San Francisco, CA, USA", "long_description": "Bluedot makes EV charging payment easier and simplifies expense management for drivers and fleets. They're growing 40-45% weekly and made $110K GMV last week.\r\n\r\nOver 50% of vehicles sold will be electric by 2030. The payments management infrastructure for EV charging and the expenses doesn’t exist at the moment. The founders operated 100+ EV charging stations, worked in companies like Zipcar, Bosch, and Mercedes, and faced this problem through their own experiences. They built a team with a strong fintech background and publicly launched their Bluedot card on Dec 14th, 2022.\r\n\r\nBluedot has raised their pre-seed from Y Combinator, Axel Springer, Porsche, Ford, TechNexus, DRF, and Pritchard Automotive. ", "one_liner": "Bluedot is a single payment platform for EV drivers and fleets.", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677704231, "tags": [ "Fintech", "Climate", "Transportation", "ClimateTech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bluedot", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/bluedot.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/bluedottechnologies/", "x_url": "https://twitter.com/thebluedot_co", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d8fd6f1d5fb7457d7a65b3b8719a1b2c7f07928b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 711267, "full_name": "Selinay Parlak", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/selinayfilizparlak/", "x_url": "https://twitter.com/selinayfilizp", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6bb9fdc713e01ad2bf6caf255ded6a8da3716f9.jpg" }, { "user_id": 711269, "full_name": "Ferhat Babacan", "title": "Founder", "founder_bio": "I’m co-founder and CEO of Bluedot. I was working at Zipcar and Bosch before starting Bluedot. I’m a former national volleyball player in Turkey. \n\nI did in high school by feeding worms at home, I received awards from many companies such as Google and Microsoft at the age of 14. As a university climate activist, I participated in many studies. I dropped out of the Munich Technical University, where I went for my master's degree, and we founded Bluedot with my high school friend Selinay.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ferhatbabacan/", "x_url": "https://twitter.com/ferhaatbabacaan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a8121f5ad1611054208685c0051910e1f1218fbf.jpg" } ], "jobs": [], "news": [ { "title": "How credit cards are getting in on the electric vehicle spending trend - MarketWatch", "url": "https://www.marketwatch.com/story/how-credit-cards-are-getting-in-on-the-electric-vehicle-spending-trend-11644614659?mod=credit-cards", "date": "Feb 17, 2023" }, { "title": "Bluedot's debit card for EV owners offers cheaper charging, cash back • TechCrunch", "url": "https://techcrunch.com/2023/01/23/bluedots-debit-card-for-ev-owners-offers-cheaper-charging-cash-back/", "date": "Jan 23, 2023" } ], "launches": [ { "id": 69841, "title": "(🌍) Bluedot - Single payment solution for electric vehicle drivers and fleets", "tagline": "Bluedot makes EV charging payment easier and simplifies expense management for drivers and fleets.", "body": "### **TL;DR**\n\n* **What:** [Bluedot](https://thebluedot.co/) is a single payment platform for EV (electric vehicle) drivers and fleets to charge their cars and manage expenses.\n* **Traction:** We continue to grow since launching publicly on December 15. As of Feb. 28, our **GMV was $82K last wee**k, and it’s **growing by 45% weekly**. We have closed 5 fleet companies.\n* **Here’s what one of our EV fleet management customers had to say:**\n\n “We have partnered up with Bluedot to give our drivers a better charging experience and understand charging behavior and optimize it. Our drivers enjoy using Bluedot so far. The charging map is great and makes it easy for me to drive without worrying.” \n\n “They love that they can pay a flat fee at any charging station and pay without having to download numerous apps. Saves money and time!”\n\n### ⏳ **Problem and how fuel card industry is changing**\n\nCurrently, EVs account for 5% of new car sales in the US and the Biden administration has set an ambitious goal to increase the **market share to 50% by 2030.** To encourage EV adoption, the federal government is investing in building 500,000 new public charging stations for these cars. Along the way, the projected spend for all-electric vehicle charging is expected to hit **$25 billion**.\n\nHowever, this transformation comes with some challenges and opportunities around charging and payments, such as:\n\n📱 **Accessibility:** Currently, to charge their cars, drivers need 5-6 different apps & cards to find and pay at charging stations. This is especially inefficient and difficult for fleet drivers who need to charge frequently.\n\n📊 **Trackability:** It’s hard for fleet managers and drivers to track charging behavior and spending, which creates an inefficient ecosystem.\n\n🧾 **Reimbursement:** Lack of accessibility and trackability also makes it harder for fleet drivers to get reimbursed for charging expenses. Also, most drivers can charge their cars at home, which adds to reimbursement problems.\n\n### Bluedot aims to address these challenges and help accelerate the transition to EV transportation.\n\n### **💡 How Does Bluedot Work?**\n\n▶️ **Bluedot Driver App:** EV drivers can access 60% of available charging stations and pay with the [Bluedot App](https://bluedot.app.link/SPpSLBVv8ub), while also enjoying savings on auto-related expenses.\n\n![uploaded image](/media/?type=post&id=69841&key=user_uploads/711269/024d8b2f-e99b-44bf-9b06-b368614ec80f)\n\n▶️ **Bluedot Dashboard:** Fleet managers can monitor and authenticate driver permissions, as well as gain better visibility into charging and driving behavior, helping to improve fleet efficiency and control costs.\n\n### **👥 Bluedot Crew**\n\n> ![](https://lh5.googleusercontent.com/825Nr_5QT2HD7fYmh4DKuM9NiifgbBP7hNua8V_VxG2pwDcRE7KFieNd_FHkLSy_wCZLjcEAhg8sVfo_SDcwa3dJ3MwKVlPVlcq7rGrYtp5BgtKyz0HuHvdXiH-fKyHsgLDc4rzhQqwgZTOa2kBKUkQ)\n\n\n_From our Bluedot Exclusive event for our drivers_\n\nOur team comprises long-time friends Ferhat and Selinay, who have known each other since high school. Ferhat has worked at reputable car and mobility companies such as **Zipcar, Bosch**, and **Mercedes-Benz**. Meanwhile, Selinay has worked on multiple EV projects and has been recognized by **Business Insider as a Rising Star in the EV Industry**. She was also nominated as Women4Climate by C40 cities.\n\nEmre and Yunus, our technical leads, have built applications that have reached 3 millions users without a marketing budget. Our team is characterized by our grit and perseverance, and we pride ourselves on acting fast and building faster. \n\nWe are backed by investors including Axel Springer and Porsche, Ford, TechNexus, DRF, Eksim Ventures and Pritchard Automotive.\n\n### **🙏🏼 Ask**\n\nWe are expanding and distributing our offering through auto dealers, auto financing companies, fleet management and delivery companies.\n\nWe want to learn more about how they currently manage charging and if they could benefit from payments platform and dashboard.\n\nAlso, try our product and let us know your feedback! If you want to reach out, here is our e-mail: [founders@thebluedot.co](mailto:founders@thebluedot.co)", "url": "https://www.ycombinator.com/launches/IAT-bluedot-single-payment-solution-for-electric-vehicle-drivers-and-fleets", "votes": 99, "created_at": "2023-03-01T20:25:28.552Z" } ] }, { "id": 27896, "name": "Truewind", "slug": "truewind", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2282cdd4a81eac40181a6efc3ce3c3d32c9eb037.png", "website": "https://www.trytruewind.com", "all_locations": "San Francisco, CA, USA", "long_description": "Truewind is a technology company based in San Francisco developing a digital staff accountant. Powered by AI, Truewind is a digital staff accountant that never sleeps, never gets sick, and always does its work. Completely predictable capacity planning. \r\n\r\nAutomate data categorization, supporting documentation collection, and client follow-up. Truewind’s AI agents will follow up on outstanding action items while the accountant can work on strategic tasks. This is fully integrated and unified across your accounting operations. We make it easy to get work done and get visibility into your team’s processes. \r\n\r\nTrusted by over 100 customers, including accounting firms EisnerAmper and Frank Rimerman, along with fast-growing companies such as Wefunder, StartPlaying and Mozart Data. We’re backed by the industry leaders of accounting and AI, Rho Capital, Thomson Reuters Ventures, Pathlight Ventures, Fin Capital, and Y Combinator. ", "one_liner": "AI-Powered Accounting", "team_size": 30, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1675872502, "tags": [ "Fintech", "Generative AI", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/truewind", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/truewind.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/truewindai/", "x_url": "https://twitter.com/truewindai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2282cdd4a81eac40181a6efc3ce3c3d32c9eb037.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": 391490, "full_name": "Alex Lee", "title": "Founder", "founder_bio": "co-founder ceo of truewind", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexlee611/", "x_url": "https://twitter.com/AlexLee611", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1193af105020fad6319451856ee42700f03d7e8b.jpg" }, { "user_id": 154588, "full_name": "Tennison Chan", "title": "Founder/CTO", "founder_bio": "co-founder cto of truewind\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tennisonchan", "x_url": "https://twitter.com/tennisonchan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a7c278594ea343f132c43b9294d7775141718fd1.jpg" } ], "jobs": [ { "id": 82425, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/truewind/jobs/JCUv5Qg-senior-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$170K - $220K", "equity_range": "0.10% - 0.25%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 91612, "title": "Accounting Agents Solutions", "url": "https://www.ycombinator.com/companies/truewind/jobs/94tBEoc-accounting-agents-solutions", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$80K - $120K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 93639, "title": "Growth Generalist", "url": "https://www.ycombinator.com/companies/truewind/jobs/DdVPvVF-growth-generalist", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$100K - $140K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94496, "title": "Product Infrastructure Engineer, Data & Agent Systems", "url": "https://www.ycombinator.com/companies/truewind/jobs/lwqSR2W-product-infrastructure-engineer-data-agent-systems", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$180K - $200K", "equity_range": "0.10% - 0.25%", "experience": "11+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 95571, "title": "Staff Software Engineer", "url": "https://www.ycombinator.com/companies/truewind/jobs/0naXaQ1-staff-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $250K", "equity_range": "0.50% - 1.00%", "experience": "11+ years", "visa": "Will sponsor", "skills": [] }, { "id": 96046, "title": "Senior Software Engineer - Backend & Agent Platform", "url": "https://www.ycombinator.com/companies/truewind/jobs/ZXenznk-senior-software-engineer-backend-agent-platform", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$220K - $260K", "equity_range": "0.10% - 0.25%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "PostgreSQL", "React", "TypeScript", "Next.js", "AI Agents" ] }, { "id": 111493, "title": "Sales Development Representative ", "url": "https://www.ycombinator.com/companies/truewind/jobs/kHLkLbS-sales-development-representative", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$80K - $100K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Accounting AI TrueWind raises $13M Series A", "url": "https://www.axios.com/pro/fintech-deals/2024/12/11/accounting-ai-truewind-13-million", "date": "Dec 11, 2024" }, { "title": "Thomson Reuters puts $1M into accounting AI company Truewind", "url": "https://www.axios.com/pro/fintech-deals/2024/01/19/thomson-reuters-accounting-ai-truewind", "date": "Jan 19, 2024" }, { "title": "AI accounting startup Truewind books $3m in seed funding", "url": "https://www.axios.com/pro/fintech-deals/2023/09/18/ai-accounting-startup-truewind-3-million-seed", "date": "Sep 18, 2023" }, { "title": "AI Startup Founders Share the Top 3 Lessons Learned From Y Combinator", "url": "https://www.businessinsider.com/ycombinator-ai-startup-founders-share-best-lessons-accelerator-2023-4", "date": "May 01, 2023" }, { "title": "Lang Fund Winners – Alumni (Spring 2023) | Columbia Business School", "url": "https://business.columbia.edu/lang/student-and-alumni-programming/launch/lang-fund/%20Alumni-Spring-2023", "date": "Apr 07, 2023" } ], "launches": [ { "id": 80520, "title": "⛵️ Truewind: AI-powered Accounting", "tagline": "Bringing generative AI to power accounting workflow automation", "body": "**Truewind is designed for accountants**\n\nTruewind is helping accounting firms increase the profits of their CAS practice. The solution that has helped over a hundred companies with their month-end close is now available for accounting firms and internal accounting teams.\n\n## **Introducing the next-generation AI-powered accounting solution**\n\nHow does an “AI-powered” accounting solution improve your current operations?\n\n**With the power of LLMs, you are able to:**\n\n* Auto-classify bank and credit card transactions with >90% accuracy\n* Identify accrual entries and auto-create a work paper in 1-click\n* Collect supporting documentation automatically with 0 intervention\n* Match supporting documentation to your accounting journal entries\n\nThink of Truewind as a **_digital accountant._** A digital accountant that does the repetitive work of categorizing transactions, finding supporting documentation, and closing the month-end books. A digital accountant that works while you sleep.\n\n![](https://bookface.ycombinator.com/media/?type=post&id=80520&key=user_uploads/391490/6cbbea13-2d87-450a-a42a-1fdb6484d02e)\n\n## **Most alternatives are service providers that are prone to manual errors and overhead costs**\n\nThere are many vendors that help startups with bookkeeping and accounting. These service companies are easy to start because, in the background, they have an army of operational staff who **manually** enter your data into an accounting system.\n\nIf the transaction is missing an invoice or receipt, they will **manually** follow up with you for that document. Accrual journal entries are **manually** tracked in an Excel sheet and **manually** updated monthly. Lastly, reports are **manually downloaded** and shipped to you for review.\n\nWhy is this problematic? The **manual**\\-intensive process is an error-prone one. The Excel file below is an example of how they manage this; now multiply this by 100 rows and 20 tabs. Maybe they get it right as high as 99% of the time. But inevitably, with humans **manually** going back and forth between Excel tabs and traditional legacy systems, it’s never going to be 100%.\n\n![](https://bookface.ycombinator.com/media/?type=post&id=80520&key=user_uploads/391490/8992ac60-7524-4111-83de-b92a2ca382f1)\n\n## **Month-End Close Powered by AI**\n\nTruewind helps accountants close their books faster without the administrative overhead costs that come with most month-end close management solutions.\n\nTraditional month-end close solutions’ is a checklist. Accountants dislike these solutions because they add administrative workload. Accountants track their month-end checklist in Excel or Google Sheets because it works, but because their company decided to purchase a month-end close software, they have to **manually** move their checklist into the software each month.\n\nTruewind is different in that we _actually do the work for you_. Truewind is a **_digital accountant_** that does the journal entry work while you rest. Each day, you get into the office with your morning queue of work prepared for you to review.\n\n![uploaded image](/media/?type=post&id=80520&key=user_uploads/391490/5b2c1d58-32c4-4d82-807c-468aa2ec6981)\n\n**Here are just a few examples:**\n\n* The AI model is trained on your client’s historical data so that bank and credit card transactions can be **auto-classified** to the correct account, payee, and department\n* By studying historical patterns, Truewind identifies prepaid expenses and **auto-capitalizes** the transaction as an asset. Each month, we **auto-update** the work paper and write the journal entry\n* By studying historical patterns, Truewind identifies and recognizes an accrued expense even though an invoice or payment is missing; when it arrives next month, we **auto-adjust** the journal entries\n* Rather than manually searching for supporting documentation, our integrated AI agents **auto-identify** the supporting documentation that is tied to each journal entry and transaction\n\n## **Visit us at AICPA Engage 24 - Silver Sponsors**\n\nIn addition to this product launch, I’m excited to announce that Truewind is a Silver Sponsor of the AICPA CIMA Engage 24 Conference 💎\n\nAICPA & CIMA Engage is the largest gathering of accountants and finance professionals in North America, with close to 4,000 attendees. And we are thrilled to be a Silver Sponsor for this event. In the coming weeks, we will post about how Truewind helps accounting firms and internal accounting teams close the books closer and get their life back.\n\nWe have many fun activities and talks planned. Follow us on [**LinkedIn**](https://www.linkedin.com/company/truewindai/) & [**Twitter**](https://twitter.com/truewindai/) to stay tuned for more.\n\n![uploaded image](/media/?type=post&id=80520&key=user_uploads/391490/1da64d47-c89b-4171-b484-2b7ea7df06ee)\n\n## **How to learn more and sign up**\n\nAll of these capabilities are available today for our early accounting firm partners and will be available broadly on June 1, 2024. Our accounting firm partners include fast-growing boutique firms and top 50 national firms.\n\nWe have room for 2-3 more accounting firms in our May onboarding batch. Then, in early June, we will be showcasing this and more at the Engage 24 conference.\n\n**If you’d like to see a live demo and potentially sign up:**\n\n1. **Fill out this **[**Tally form**](https://tally.so/r/3qA68k)** or**\n2. **Email** [**launchyc@trytruewind.com**](mailto:launchyc@trytruewind.com)\n\n## **Made with 💛 from our team**\n\nUnfortunately, Mochi 🐶 didn’t make this photo. During our Launch YC a year ago, Truewind was a team of three. Today, we’re 15 strong with over a hundred customers, including multiple top 50 accounting firms. From our team to everyone - Thank you to the many startups and accounting firms we get to work with day in and day out. We look forward to meeting many more of you.\n\n![](https://bookface.ycombinator.com/media/?type=post&id=80520&key=user_uploads/391490/c033be10-ba6d-4be4-bd50-045a6052e405)\n\n", "url": "https://www.ycombinator.com/launches/Kwi-truewind-ai-powered-accounting", "votes": 117, "created_at": "2024-04-30T16:34:41.677Z" }, { "id": 69622, "title": "⛵️ Truewind: AI-powered bookkeeping and finance software for startups", "tagline": "Fast growing companies use our AI-bot to automate transaction labeling so they see fewer errors and faster monthly closes.", "body": "Let's get down to brass tacks. You need **bookkeeping to stay compliant** with Uncle Sam 🇺🇸 and you need a **financial model for fundraising**. That's what you need. And that's what we do for you.\n\nOn a lighter note, hey everyone! 👋\n\n### **What we do for you**\n\nI’m super excited to launch [**Truewind**](https://www.truewind.ai/) to all of you! **⛵️ Truewind is AI-powered Bookkeeping and Financial Modeling for Startups**\n\nThrough a combination of generative AI and concierge service, we deliver a delightful financial back office experience.\n\n* Reliable bookkeeping\n* Detailed financial models\n* Built exclusively for startups\n* Fast, responsive expertise\n\nBecause you need investor-ready financials. Your dedicated Truewind team prepares your monthly financial statements reliably and accurately, so you have investor-ready financials when you fundraise.\n\n![uploaded image](/media/?type=post&id=69622&key=user_uploads/391490/1f76d30b-864d-4cb1-a600-223fc9065871)\n\n### **We use Generative AI to capture the business context that only you have**\n\nWe are **delivering a 10x better experience to you, the operator**, by making it easier to provide business context.\n\n* We connect to your bank account and then auto-categorize the transactions that we recognize.\n* For the ones we don’t, we’ll send you a message notifying you that we do not recognize this transaction. You reply in **plain simple English** and we’ll handle the rest.\n* For accrual accounting, upload contracts and invoices on Truewind and our software will read those pdf files.\n* If we’re missing information, say we don’t know the duration, we’ll send you a message that we need more information. You reply in **plain simple English** that the duration is 12 months.\n\nFinance and accounting isn’t simply numbers, **it requires business context that only the operators have.** This is where Generative AI shines. We use GPT-3 to digest your natural language inputs, translate it into accounting journal entries, and learn from it so future journal entries can be automated.\n\n### **Most accounting & finance companies are service providers, prone to manual errors**\n\nThere are many vendors that help startups with bookkeeping and financial models. These services companies are easy to start because, in the background, they aren’t building **reliable** accounting and finance software.\n\nThese service providers have armies of operations staff who **manually** enter your data into an accounting system. Then, they **manually** download reports and ship it to you for review.\n\nWhen they don’t recognize a transaction, they ask _you_ to **manually** categorize the data. Then, next month, they’ll ask you to **manually recategorize** the same transaction. Without native accounting and finance software, they do not remember and learn from previous inputs.\n\nWhy is this service provider approach problematic for your company?\n\n**Service providers are error prone.**\n\nLet’s say a wire of $16K comes into your bank account but the memo says `[Online 13875836747 To Jayson (_########62846)]`\n\nWe don’t know what it is, nor do other accounting companies. So you, **the operator**, has to go thru a drop down of 50 items with words you barely understand and you’re expected to figure out what it should be categorized as. Half the time, you just pick something and move on 👎\n\n![uploaded image](https://bookface.ycombinator.com/media/?type=post&id=69622&key=user_uploads/391490/675a6b16-8efd-4ad7-bd94-61144b3ce66d)\n\n### **Our ask**\n\nIf you haven’t picked up a bookkeeping solution yet, give us a chance at winning your business! And even if you already did, give us a chance to change your mind 😆\n\n**Help us become the #1 recommended financial back-office provider for startups 🔥**\n\n**Truewind Customer Form:** \n\nFill out this Typeform to get started with me, Alex. I’ll answer any questions you have on the call, get you onboarded, and even start on the financial model!\n\n### **Our Customers**\n\nYour finances are a delicate thing, I know. Many other fast-growing startups already work with us (listed below). Hopefully this gives you some confidence 🙂 Many of them YC, many of them not, and many of them current batchmates!\n\n![uploaded image](/media/?type=post&id=69622&key=user_uploads/391490/216923c2-b785-4af4-9414-d46873d95f67)\n\n### **A little bit about us and Mochi**\n\nIt feels weird introducing ourselves in a product launch but given we’ll be working with your financial data, I thought you should know about us.\n\n* I’m a second-time YC founder, ex-Boeing engineer, and ex-VC. As an ex-VC, I worked very closely with startup financial statements and I could build a financial model in my sleep.\n* My co-founder Tennison took a whirlwind of a journey: studying business in school → self taught developer → worked at Flexport Pinterest Alibaba → and now building a fintech startup\n* Mochi is our 2-year old Samoyed pup and the chief motivating officer. Kiddo doesn’t understand fiscal responsibility, all he wants is the best organic food.\n\n![uploaded image](https://bookface.ycombinator.com/media/?type=post&id=69622&key=user_uploads/391490/4837a8f8-f03f-4543-9d54-ab438664be98)\n\n### **Hit us up if we can help you!**\n\nWe published a **Y Combinator W23 Generative AI Landscape** on LinkedIn that has over 800K views - [check it out here](https://www.linkedin.com/posts/alexlee611_ai-startup-generativeai-activity-7033871151416164352-mMeR?utm_source=share&utm_medium=member_desktop).\n\nWe love working with founders, accountants, and finance leaders, so pls don’t be shy. Mochi would love to meet you 😁\n\n![uploaded image](https://bookface.ycombinator.com/media/?type=post&id=69622&key=user_uploads/391490/7af98c54-b696-4df4-b34f-5f15b55694cd)\n\n", "url": "https://www.ycombinator.com/launches/I6w-truewind-ai-powered-bookkeeping-and-finance-software-for-startups", "votes": 234, "created_at": "2023-02-23T21:26:20.125Z" } ] }, { "id": 27936, "name": "ClickPe", "slug": "clickpe", "former_names": [ "FinX", "DailyPe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c6e584d85f4fd70f979807e451c948d3482cdf8.png", "website": "https://clickpe.ai/", "all_locations": "Surat, GJ, India", "long_description": "Small shop owners earn daily unlike salaried people but when it comes to loan repayment both are asked to pay monthly. For these shop owners it is difficult to calculate how much to save daily so that they will have the required installment amount at the end of the month and also at the time of repayment they have a big hole in their working capital.\r\n\r\nTherefore, when you earn daily why not pay daily and get away from the stress of huge one-time installments. \r\n\r\nEvery day a small amount of $X is deducted from your digital wallet which is on the auto-debit mandate and you don't need to worry about keeping your balance of $XXXX. You never default and also good credit scores are created.", "one_liner": "Finance on a Click", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1679390801, "tags": [ "Fintech", "Marketplace", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/clickpe", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/clickpe.json", "year_founded": 2022, "city": "Surat", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/dailype", "x_url": "https://twitter.com/Team_DailyPe", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c6e584d85f4fd70f979807e451c948d3482cdf8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/534ee6cd11a890a7d3ee352ff25c463a9a6c5a8b.png" ], "primary_partner": null, "founders": [ { "user_id": 1043738, "full_name": "Shashwat Shrikhande", "title": "Founder", "founder_bio": "I enjoy working on problems related to the lending tech industry and want to help reduce the credit gap in the Indian economy.\n\nI graduated from IIT Kharagpur in 2021 and then worked at ICICI bank & Lenskart.com before starting up DailyPe.\n\nI am an ardent Chelsea football club fan, DM me anytime to discuss football 😁😎", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shashwat-shrikhande", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/95860eaa75fa4e91196f39a43476acbdddd3f3aa.jpg" }, { "user_id": 514038, "full_name": "Saurabh Gupta", "title": "Founder", "founder_bio": "Co-Founder of DailyPe. I have 2 years of experience building products in the lending tech domain at FinBox. I have created products such as Device Connect and Bank statement analyzer to evaluate New to Credit customers. During my college, I opened a glass bottle recycling factory. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/saurabh-gupta2104", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/334df7160a9a14e14a1255c331c316188b8e2ce6.jpg" } ], "jobs": [ { "id": 61815, "title": "Backend Intern (Python)", "url": "https://www.ycombinator.com/companies/clickpe/jobs/N3kIxQj-backend-intern-python", "location": "IN / Remote (IN)", "type": "Internship", "role": "Engineering", "role_type": "Backend", "salary_range": "₹10K - ₹30K INR", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "PostgreSQL", "Python", "Serverless" ] }, { "id": 68570, "title": "Backend Engineer Full Time", "url": "https://www.ycombinator.com/companies/clickpe/jobs/cXo6jPK-backend-engineer-full-time", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "₹500K - ₹1.5M INR", "equity_range": "0.20% - 1.00%", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [ "Amazon Web Services (AWS)", "Go", "PostgreSQL", "Python", "Serverless" ] } ], "news": [ { "title": "DailyPe among top 30 startups", "url": "https://www.linkedin.com/feed/update/urn:li:activity:7108793363235008512/", "date": "Oct 04, 2023" } ], "launches": [ { "id": 70455, "title": "DailyPe - Repay your loans daily", "tagline": "DailyPe is a marketplace for business loans, that are repaid daily.", "body": "Hey! We are [Saurabh](https://www.linkedin.com/in/saurabh-gupta2104/) and [Shashwat](https://www.linkedin.com/in/shashwat-shrikhande/), the founders of [DailyPe](https://dailype.in/). We met each other at IIT Kharagpur and have been friends for the past 7+ years. We’re building DailyPe — a marketplace for business loans that are paid in smaller, daily installments.\\\n—\n\n### **Problem 💸: Paying your loans in huge installments at once sucks.**\n\nSmall shop owners earn daily unlike salaried people, but when it comes to loan repayment both are asked to pay monthly. For these shop owners, it is difficult to calculate how much to save each day so that they will have the required installment amount at the end of the month. Also, at the time of repayment, they end up with a big hole in their working capital.\n\n### **Solution 💡: Reduce risk & pay small amounts daily.**\n\n**Borrower Side:** When you earn daily you pay daily and get away from the stress of huge one-time installments. Each day, a small amount of $X is deducted from your digital wallet which is on the auto-debit mandate and you don't need to worry about keeping your balance of $XXXX. You never default, and you also build your credit score. \n\n**Lender Side:** Discover defaulters early because right from the 2nd day onward, your collection data stops you from lending in that particular demographic and geographic location. These data points wouldn't be available in the traditional way of lending till at least the 3rd month. With DailyPe, lending decisions are much more informed leading to higher collection rates and lower NPAs.  \n\n![uploaded image](/media/?type=post&id=70455&key=user_uploads/514038/c1cbfb52-4486-4bf2-aa13-d39065cd0419)\n\n### \n\n### **Why us 😎**\n\nWe both have seen this problem firsthand when our fathers, who ran their own businesses, would stress out days before installment day — saying that they “\\*\\*need to save and transfer money from their secondary accounts to pay for the loan.\\*\\*” \n\nAlso, while working at FinBox and ICICI bank in the past, we built products in the **lending-tech industry.** This was something we had always wanted to build.\n\nFun fact: These loan products are called “**khandi Udhar**” which existed for a long time in the unorganized markets in India. We are making them organized 😁\n\n### **Ask** ❤️\n\n**Lending Partners**: If you can connect us with banks, NBFCs, and debt institutions in India who are open to becoming finance providers for our small business owners. \n\n**Data Points**: If you have worked on credit models, underwriting tech, risk analysis, or any sort of lending algorithm, please reach out to us at [founders@dailype.in](https://mailto:founders@dailype.in). It would be a pleasure to learn from you.             ", "url": "https://www.ycombinator.com/launches/IKN-dailype-repay-your-loans-daily", "votes": 78, "created_at": "2023-03-21T20:51:49.508Z" } ] }, { "id": 27953, "name": "Koywe", "slug": "koywe", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8017c0951eaa502590f3ffbe4554b9152defa32a.png", "website": "https://koywe.com", "all_locations": "Miami, FL, USA; Santiago, Santiago Metropolitan Region, Chile; Mexico City, CDMX, Mexico; Remote", "long_description": "We provide simple, well-documented, and fully compliant payments APIs and interfaces so that any company can instantly start leveraging crypto to offer services like remittances, USD wallets, and investments.", "one_liner": "Crypto On and Off Ramp for Latam", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1673033105, "tags": [ "Fintech", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "Chile", "Mexico", "America / Canada", "Latin America", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": true, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.\n", "answer": "Crypto infrastructure for Latam" }, { "question": "What is your company going to make? Please describe your product and what it does or will do.\n", "answer": "Easy to use and integrate, modular Crypto, Compliance, and Fiat rails for individuals and businesses.\r\nStarting with a crypto ramp, we want to help businesses and individuals to easily go from local fiat to crypto and vice versa, on any fintech or web3 platform. Integrating local payment methods and complying with local regulations.\r\nSome use cases: full-stack crypto ramp for web3 projects via 3-line SDK integration; bespoke fiat to stable coin integration for fintech companies; off ramping facilities; seamless integration between fiat and crypto accounts.\r\nWe dream of a third of all crypto transactions in Latam going through our rails." } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/koywe", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/koywe.json", "year_founded": 2022, "city": "Miami", "country": "US", "linkedin_url": "https://linkedin.com/company/koywe", "x_url": "https://twitter.com/koywe_latam", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/koywe", "github_url": "https://github.com/koyweforest", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8017c0951eaa502590f3ffbe4554b9152defa32a.png", "app_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/bf-public_profile/28008/app_video.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAQC4NIECAODIUI2QA%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022711Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEHEaCXVzLXdlc3QtMiJGMEQCICdQyGY%2BbftNLxtKIYzFPxdUXttuiP0N09%2F%2BUfBHiBuhAiBOSl161zU1GSzXg078adXidT%2BI1mNTN00xIiFabrEuZSrlAwg6EAAaDDAwNjIwMTgxMTA3MiIMkex8rUdJQnYvqkb2KsIDZvHjdb5Nj1eMSDUiIIyyiwfJ8RyPFxer5o1XPlMS8x%2FtN9n%2F7PvS5Wd7oFPHi1qVxZAOUh%2BsJ%2B%2BXOPvWZ3Ae6ZZbt6%2BpSxxIqhHajGvQPEffXaUpP5qEh5zdOBvoNiFOEcL3U5kvAXPdFAeyEQUSC22Zz6qlwEbD4gyjAVIG69Bq2BqpO5gGA142dDrsMk9Fpvvrw4sUrmoFsqVRjQeNNnbJ6kGBUpNWGmGUg9xVdF1g6zjy5AOLq9gaZMWpGvdL2up4UE8tZcCtovhQX7LttuknA2oMDZbhb%2Bm1111BTyQwfpo0mzYMWvLSVFktebdbrXNkCCYHuwzkc%2FAYLLBCHcwr959rGhfijkmBq8zJ6L%2F3m2hFjzDHCnZYPOz0rFWk1O%2FdpaLpo4%2B83owIv8pdLkfxnSwz7jpV83o7ddFuQwi3GyYhgDV9NKraaZUPDf35OffhHBAa9LNH9KBtXE%2B9EJapzAmTZRHX0y1pAaJdqK7NnCs3JXj5MlJbG%2Fk7qe6hMwsDLiNtlbMQ85QzyJJHGU4y3dM2z2PBRjDSvRfVwapQjnLimR6h7fxLZHe1JssWKCLL3Y7dNZqEc8LFx7ZPmRWFMOj92tYGOqYB1OGPMkYIGSgzUnwJVB6Fm37ysfFBg0lS7An85D5284tv08ntQNXM%2B3NjFf0CnSg8DB6Uagn6Pf8Hz0vPosKjbkPeKHdUWICNI6ZBqrBsIZuFlEJamVl3d%2B5M5pi50RkfxaC0jUNRP0kzypvFoXoBWM5zGuVWthjEJhSlwkhKt8FAj4eChg9bDGTNeM9DkgbxKs0YI84QCmRK0pRtLAv0T11YvQ%2FTTg%3D%3D&X-Amz-SignedHeaders=host&X-Amz-Signature=242c246d83c4adecfd7aa30c28583ad81604af7341e4ecb67a29c6657bd80861", "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 985824, "full_name": "Ignacio Detmer", "title": "Founder", "founder_bio": "Ignacio has vast experience scaling business across Latam as Co-Founder and COO of Americas Car Group, a unicorn sold to Prosus Group. He is also a Co-Founder of Proptech (Opencasa), managing 75M USD in properties in the US", "is_active": true, "linkedin_url": "http://linkedin.com/in/ignaciodetmer", "x_url": "https://twitter.com/Ignaciodetmer", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/904485741e4f76845b78d435e110182bc2932f32.jpg" }, { "user_id": 532974, "full_name": "Guillermo Acuña", "title": "Founder", "founder_bio": "Entrepreneur from Chile, fullstack handyman.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gjacuna/", "x_url": "https://twitter.com/gjacuna", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1c2898c52bb008e2761ea75568df00817002f573.jpg" } ], "jobs": [], "news": [ { "title": "Guillermo Acuña de Koywe entrega las claves para una nueva economía en equilibrio con la sustentabilidad - TXS Plus", "url": "https://txsplus.com/2022/12/guillermo-acuna-de-koywe-entrega-las-claves-para-una-nueva-economia-en-equilibrio-con-la-sustentabilidad/", "date": "Dec 19, 2022" }, { "title": "Koywe, el nuevo emprendimiento de fundadores de FCG y Cumplo | DFMAS", "url": "https://dfmas.df.cl/df-mas/punto-de-partida/simplificar-acceso-a-web3-el-nuevo-emprendimiento-de-fundadores-de-fcg", "date": "Dec 16, 2022" } ], "launches": [ { "id": 69537, "title": "Koywe - The on and off ramp for crypto in Latam", "tagline": "Fully compliant payment APIs and SDKs to instantly start leveraging crypto to offer services like remittances, USD wallets, and investments. Growing 5x MoM!!", "body": "Good morning, buenos días, bom dia!\n\n**TL;DR:** [**Koywe**](https://koywe.com/) **provides simple, well-documented, and fully compliant payment APIs and SDKs so that any developer can instantly start leveraging crypto to offer services like remittances, USD wallets, and investments.**\n\n![](https://lh6.googleusercontent.com/uX0oe40VTdcx1-sixXKvlhjcMAT0yg9gKrfYouL8ChAmqztqPBYLKES3s9-wXv79QSc7Lq9KkCT_KE2a63HzQPLfCaqMf5V_P1nBYjxKqon2966nGAuF9VLfwTi_XcFIS9hMJRjouJLaq884b4y_I4U)\n\nWe’re live, with local on & off payment rails in Chile, Mexico, Colombia, and Peru, and **growing 5x MoM**! Soon we’ll be in Brazil, Argentina, and Central America.\n\n[**Check out our docs**](https://docs.koywe.com/v/english) **and send us an email to** [**founders@koywe.com**](mailto:founders@koywe.com)**! Join the Koywe forest.**\n\n# Who is building this?\n\n[**Koywe**](https://koywe.com/) **is built by us,** [**Ignacio Detmer**](https://www.linkedin.com/in/ignaciodetmer/) **and** [**Guillermo Acuña**](https://www.linkedin.com/in/gjacuna/)**! We met over 30 years ago and have remained friends ever since.**\n\n**We’ve always been passionate about building something people need, especially if it can help every Latin American thrive, founding startups for the last 15 years!**\n\n# **Latam needs this**\n\nToday, most Latin Americans are financially underserved, in both access to, and prices we pay for almost all financial services.\n\n**We believe crypto can solve this**, not by having expensive jpegs or mooning tokens, but by enabling **real financial applications** that settle instantly and at the cheapest fees. We want to offer the building blocks for those applications!\n\nAnd **we’re not alone** in our belief! Latam has been one of the fastest growing regions in crypto adoption and the main use cases are remittances (instant settlement and cheap fees!), a hedge against inflation (stable coins ftw!), and last but not least: investments and speculation.\n\n# **Real use Cases, Real Solution**\n\nThere are many challenges to be solved! **It’s too hard (and expensive) to use crypto as a startup or fintech company**. Countries in Latin America are very diverse, not only in terms of its people, but also laws and regulations, institutions, and financial infrastructure. An international ramp can be as expensive as 10% per transaction, thanks to lack of liquidity, payment processor fees, and exchange rates.\n\n**This made using crypto infrastructure really difficult, until now!**\n\n# **Koywe Infrastructure**\n\nKoywe provides simple, well-documented, and fully compliant payment APIs (both GrapQL and REST) and SDKs so that any developer can instantly start leveraging crypto to offer services like remittances, USD wallets, and investments, at **the best local prices and fully compliant in each country**. As easy as 1, 2, 3.\n\nFor example, get a real quote to sell 1,000 USDC on Polygon and receive CLP:\n\n```\ncurl --location --request POST 'https://api.koywe.com/rest/quotes' \\\n--header 'Content-Type: application/json' \\\n--data-raw '{\n    \"amountIn\": 1000,\n    \"symbolIn\": \"USDC Polygon\",\n    \"symbolOut\": \"CLP\",\n    \"executable\": false\n}'\n```\n\n**Try it out now!**\n\n**Pro Tip**: Changing _executable_ to _true_ allows you to execute that quote within 10 seconds of creating it.\n\n### **We make it as easy as possible.**\n\nWe wrote our docs to be **very easy** to read and understand. They get updated almost every week with feedback from our dear customers.\n\n![](https://lh4.googleusercontent.com/kz4B52QeqIh3WpxYN9jtPFYy-vJB4kxVx3ZiIiTTO3yPDThyHikT4B-lHzzSRAg6gZWrkDFobDosHUWEempKtcmIY3X2mQJ4SOkTaekFP6sBm2Y7iJeCdmL1vHAy7g6CqTyEvwzJ9Tsz5m8e1QMTawo)\n\nAnd if APIs or SDKs are too complicated for you _(or can't be bothered with yet another integration)_, we can spin up a completely customized web view or url just for you! **In under an hour we had set up a bespoke solution for one of our DeFi customers!**\n\n### **The Future**\n\nWe have a **long-term vision of crypto enabling even more complex use cases**, like lending, invoice discounting, and other financial services that help speed up the region's development. All in a non-custodial, fully compliant way!\n\nRead more about our vision and why we are called [**Koywe**](https://koywe.com/) (like the tree in Patagonia) [on our docs!](https://docs.koywe.com/v/english/about-koywe/what-is-koywe#why-koywe-came-about)\n\n# **Our ask**\n\n1. If you're a fintech or crypto-native company, **let's talk about how we can help you grow in Latam**!\n2. If you know a company that could use our services, **make an intro**!\n\nYou can reach us at [founders@koywe.com](mailto:founders@koywe.com) for a bespoke, personalized attention (and some Latin flavors). **We promise** efficiency, no BS, and at least one laugh!", "url": "https://www.ycombinator.com/launches/I5Z-koywe-the-on-and-off-ramp-for-crypto-in-latam", "votes": 58, "created_at": "2023-02-22T14:43:56.503Z" } ] }, { "id": 27968, "name": "Alaan", "slug": "alaan", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc9ff5bdd231134886435b1360a606fccec68c2c.png", "website": "https://www.alaan.com/", "all_locations": "Dubai, Dubai, United Arab Emirates", "long_description": "Alaan is an AI-native finance platform for businesses in the Middle East. One platform for corporate cards, expense management, cross-border payments, accounting automation, treasury, business banking, and more, with AI doing the work finance teams used to do by hand: coding transactions, chasing approvals and receipts, flagging policy breaches, placing treasury deposits and closing the books.\r\n\r\nOur mission is to simplify finance for businesses so they can save time and money.\r\n\r\nOver 3,000 businesses use Alaan, from first-time founders to enterprises like Careem, G42, Tabby, Al Barari, and Rivoli. Since 2022, they have saved more than 2.2 million hours of manual finance work.\r\n\r\nAlaan raised one of the largest Series A rounds in Middle East history, backed by Peak XV (formerly Sequoia India), Y Combinator, 468 Capital, and 885 Capital, among others. Headquartered in Dubai, Alaan has more than 250 employees across its Dubai, Riyadh, and Bangalore offices, with a team that comes from Careem, McKinsey, BCG, Goldman Sachs, Amazon, Revolut, Rippling, and the world’s leading firms.\r\n\r\nAlaan has been named to the UAE Future 100 list, selected as an Endeavor company, and ranked the No. 1 spend management platform in EMEA by G2.", "one_liner": "Ai-native finance platform for the Middle East", "team_size": 250, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1671191601, "tags": [ "Fintech", "Payments", "B2B", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Arab Emirates", "Middle East and North Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/alaan", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/alaan.json", "year_founded": 2021, "city": "Dubai", "country": "AE", "linkedin_url": "https://www.linkedin.com/company/alaanpay", "x_url": "https://twitter.com/alaan_pay", "fb_url": "https://www.facebook.com/alaanpay/", "cb_url": "https://www.crunchbase.com/organization/alaan", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc9ff5bdd231134886435b1360a606fccec68c2c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/c29cc2d3d97a1d6a6357ee4f51a3732dc5bbc14c.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/7f15abd32cfcc587e63d5e13eb36eac06bb80d60.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 631526, "full_name": "Parthi Duraisamy", "title": "Founder", "founder_bio": "I grew up in a lower-middle-class family in India. Neither of my parents had been to high school or college. The first life-changing event occurred in 2005 when I won a full scholarship to study engineering in Singapore. The drive to prove myself then sent me on a journey through prestigious institutions, including Barclays Investment Bank, McKinsey, and Dartmouth College. While I always felt like an outsider in these institutions, the journey eventually led me to build Alaan. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/parthiduraisamy", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cf8cfbfbaa49d8a8cad2386f8716d4b1c332ea51.jpg" }, { "user_id": 852569, "full_name": "Karun Kurien", "title": "Founder", "founder_bio": "Karun started his career as a software engineer and then spent a few years consulting with McKinsey Digital. Most recently, he has focussed on building products for startups. He now leads product and tech. at Alaan.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/karun-kurien-3020504b", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b9289971008f7b17874f5215aa809b40c39ba640.jpg" } ], "jobs": [ { "id": 97235, "title": "Customer Experience Specialist", "url": "https://www.ycombinator.com/companies/alaan/jobs/EhKvazF-customer-experience-specialist", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "₹800K - ₹1.3M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 102018, "title": "Senior Backend Engineer", "url": "https://www.ycombinator.com/companies/alaan/jobs/4yrhOC3-senior-backend-engineer", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "₹3M - ₹4.5M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Alaan receives key in-principle approval from the Central Bank of the UAE for SVF and RPS licences | Khaleej Times", "url": "https://www.khaleejtimes.com/kt-network/alaan-receives-key-in-principle-approval-from-the-central-bank-of-the-uae-for-svf-and-rps-licences", "date": "Sep 02, 2026" }, { "title": "Alaan launches UAE's first AI-native business bank account, powered by ruya", "url": "https://gulfnews.com/business/corporate-news/alaan-launches-uaes-first-ai-native-business-bank-account-powered-by-ruya-1.500577347", "date": "Jun 16, 2026" }, { "title": "AI-powered fintech Alaan raises $48M, one of the largest Series A rounds in MENA | TechCrunch", "url": "https://techcrunch.com/2025/08/05/ai-powered-fintech-alaan-raises-48m-one-of-the-largest-series-a-rounds-in-mena/", "date": "Aug 05, 2025" }, { "title": "Homegrown UAE startup ranks No. 1 globally for expense management on G2", "url": "https://gulfnews.com/friday/friday-partner/homegrown-uae-startup-ranks-no-1-globally-for-expense-management-on-g2-1.1714060677391", "date": "Apr 24, 2024" }, { "title": "Visa and Alaan Partner on Expense Management in Middle East", "url": "https://www.pymnts.com/spend-management/2024/visa-and-alaan-partner-on-expense-management-in-middle-east/", "date": "Mar 28, 2024" } ], "launches": [] }, { "id": 27986, "name": "Rally Tax", "slug": "rally-tax", "former_names": [ "Trade94", "iNri", "Trade94", "Inri", "iNRI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/17a3819aca58bd07bb9f186d6233961e242ceff9.png", "website": "https://www.rally.tax/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "For millions of Americans, taxes are far more than a simple W-2. Managing investments, property, or a side business creates a world of complexity that makes DIY software risky, while traditional CPA help is often slow, expensive, and reactive. This broken system causes anxiety and leaves billions in potential savings on the table every year.\r\n\r\nRally is the modern solution for tax peace of mind. We are an AI-powered tax platform that provides proactive, year-round strategic guidance, not just seasonal filing. Our unique approach combines a smart platform that automates 80% of the manual work with a team of in-house experts to provide strategic advice. We deliver the expertise of a private advisor with the convenience and access of a modern tech company.\r\n\r\nOur vision is to use the trust we earn in taxes to become the definitive financial co-pilot for our customers. We will expand from tax strategy into a full suite of services that helps millions of people proactively manage and optimize their entire financial future.", "one_liner": "AI-native tax platform to save $1T+ for Americans", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1677795325, "tags": [ "Fintech", "Consumer" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/rally-tax", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/rally-tax.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/rally-tax/", "x_url": "https://x.com/rallytax", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/17a3819aca58bd07bb9f186d6233961e242ceff9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 840851, "full_name": "Hemant Gangolia", "title": "Founder", "founder_bio": "Building Rally Tax, AI-native US tax advisory for individuals.\n\nPreviously, Hemant has built large scale systems at Meta, Walmart and consulted C-Suite while at McKinsey & Company. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hemantgangolia/", "x_url": "https://twitter.com/hemantgangolia", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c0d7f0c3267a02015478d7ea3bb1330bc4aa26a1.jpg" } ], "jobs": [], "news": [ { "title": "Partaking in India’s economic boom - indica News", "url": "https://indicanews.com/partaking-in-indias-economic-boom", "date": "Jun 24, 2024" } ], "launches": [ { "id": 95419, "title": "Rally - The AI Co-Pilot for Proactive Tax Strategy", "tagline": "Stop just filing your taxes. Start strategizing and save $$$.", "body": "Hey everyone, [Hemant](https://www.linkedin.com/in/hemantgangolia/) here — Founder & CEO of Rally Tax.\n\n### 🔴 **Problem**\n\nIf you paid **$50K+ in taxes** last year, you know the pain. You’re probably navigating complex equity (RSUs, ISOs), multiple 1099s, capital investments, K1s, and maybe even foreign income.\n\nYou’re stuck in a \"missing middle\":\n\n* **DIY software (TurboTax)** is too risky. You’re almost guaranteed to make a costly mistake.\n* **Traditional CPAs** are slow, expensive, and reactive. They're just _filers_, not _strategists_, so you're overpaying by thousands and don't even know it.\n\nhttps://youtube.com/shorts/CTFwxZ8TCdw?feature=share\n\n### 💚 **Solution**\n\nRally is the AI-powered tax advisory platform for anyone with a complex tax situation. We’re replacing the broken, reactive CPA model with a proactive, year-round subscription.\n\nWe combine a powerful AI platform that automates 80% of the manual work with elite, in-house CPAs. This allows us to deliver high-value strategic advice (like QSBS planning, CRTs, and solar tax credits) at a transparent, flat fee.\n\n![uploaded image](/media/?type=post&id=95419&key=user_uploads/840851/1ebcc573-0ccd-4186-a9db-95d55782b4ee)\n\n### 🚀 **Our Story & Mission**\n\nI previously worked at Meta. I founded Rally because of the pain I personally felt when I got my first big RSU tax bill. I was shocked, confused, and couldn't find a CPA who would give me proactive advice—only a bill _after_ it was too late.\n\nWe validated this at my last company, iNRI, where our tax pilot for **250+ high-income clients (generating $90k)** proved this problem is universal.\n\n**Our mission** is to stop people from overpaying on their taxes just because they lacked the right strategy. We're building the proactive, transparent financial co-pilot we wish we'd had.\n\n![uploaded image](/media/?type=post&id=95419&key=user_uploads/840851/a0b68e9f-6a32-4a3f-87d4-e9d276f0bdf7)\n\n\n### 📹 **Demo: The 60-Second AI Tax Plan**\n\nOur first launch is a **free AI-generated tax plan in 60 seconds.**\n\nInstead of paying a CPA $500+ and waiting two weeks, you can securely link your accounts or estimate your situation. Our AI analyzes your data and builds a personalized plan showing the exact strategies you can use and how much you could save.\n\n**1. Generate tax plan**\n\n![uploaded image](/media/?type=post&id=95419&key=user_uploads/840851/d1fa175c-b1c0-4a0a-bc06-20a563ba96ec)\n\n**2. Ask AI, about your tax plan**\n\n![uploaded image](/media/?type=post&id=95419&key=user_uploads/840851/3a0d485a-b7d7-4f69-8bc6-41a23f93745d)\n\n**3. Download FREE tax plan**\n\n![uploaded image](/media/?type=post&id=95419&key=user_uploads/840851/462e5b00-365b-4eda-a73c-a8d2944d552d)\n\n### ‼️ **Why Now?**\n\nA perfect storm is hitting the tax industry:\n\n1. **AI Maturity:** For the first time, AI can automate the complex analysis that only human experts could previously do.\n2. **The Great CPA Retirement:** 75% of CPAs are nearing retirement, creating a massive supply crisis for expert advice.\n3. **Market Need:** Complex equity and investments are now mainstream for millions, who are all being underserved.\n\n### 🙏 **Our Ask**\n\n1. **Try it!** If you paid over $50K in taxes (and wish you could keep more of what you earn), try our **free AI Tax Plan** and give us feedback: https://www.rally.tax/\n2. **Share with your network:** We all pay taxes, and wouldn’t it be wonderful to help a friend, too!\n3. **Partnerships:** Intros to leaders at tech companies. We’re building a powerful B2B channel to offer Rally as a financial benefit.", "url": "https://www.ycombinator.com/launches/Op1-rally-the-ai-co-pilot-for-proactive-tax-strategy", "votes": 42, "created_at": "2025-11-12T15:44:10.659Z" }, { "id": 76931, "title": "iNRI: Wealthfront for 32M Indians living abroad", "tagline": "Investing in India ‍made easy for Indian expats", "body": "Hi all, \n\nWe’re Hemant and Nishad, building iNRI, Wealthfront for 32M Indian expats abroad. \n\nIndia is set to be the fastest-growing major economy and Indian expats have a unique opportunity to invest in this dynamic growing market. However, for an Indian expat looking to invest in India, it is still a daunting experience, with multiple operational hurdles, and complex tax and repatriation regulations.\n\nInri solves these challenges by providing a seamless investment platform with personalized wealth advisory and tax compliance services.\n\nHere’s a short video explaining what we do:\n\n[ ](https://www.youtube.com/watch?v=NyABkOht-pI)\n\n### **Our journey so far:**\n\nSince inception in March 2023, we have crossed over $150K invested capital from 3000+ users across 30+ countries including the US, Canada, UK, and Australia.\n\n![uploaded image](/media/?type=post&id=76931&key=user_uploads/1132289/e12122fa-88ae-470d-a293-9fb9f45b3db7)\n\nWe provide 3 key solutions that non-resident Indians need to invest in India:\n\n1. **Faster and digital onboarding:** Existing processes require either physical paperwork or even in-person visits in India. In comparison, you can get started with iNRI in just 5 mins, completely online.\n\n ![uploaded image](/media/?type=post&id=76931&key=user_uploads/1132289/ef9d25fd-081f-4b81-8b7a-b3ab168c158a)\n\n2. **Curated portfolios:** If you have been living outside for a few years, you don't know where to invest. Our smart investing tool _(image below)_ helps you generate a funds basket based on your investment horizon, capital allocation, and risk appetite.\n3. **Cross-border compliance:** Navigating taxes across two countries is hard, which is why we have a network of CAs, CPAs, and experts in cross-border taxes to help you.\n\n \n\n![uploaded image](/media/?type=post&id=76931&key=user_uploads/1132289/1463ada0-855f-42cd-98dc-97c038ca83c1)\n\niNRI’s vision is to become a one-stop platform for the Indian expat community of all things money in India.\n\n### **Why Us**\n\nWe (Hemant and Nishad) have both seen these problems firsthand through our own experience and that of our friends looking to invest in India. We’re committed to solving it for the broader Indian expat community around the world.\n\nWe are both alumni of IIT Bombay and IIM Ahmedabad and have a decade of experience working at McKinsey, BCG, Meta, Walmart, and HSBC.\n\nIf you’re an Indian expat looking to invest in India, check us out [here.](https://bit.ly/3v0Ob4P)", "url": "https://www.ycombinator.com/launches/K0p-inri-wealthfront-for-32m-indians-living-abroad", "votes": 26, "created_at": "2023-12-15T18:31:01.299Z" }, { "id": 69944, "title": "Inri - Wealthfront for Indian expats", "tagline": "Investment platform for Indian expats to diversify capital in India", "body": "Hey everyone - We’re [Hemant](https://www.linkedin.com/in/hemantgangolia/) and [Nishad](https://www.linkedin.com/in/nishad-shah-7776897a/) from [Inri](https://www.goinri.com/?utm_source=yc&utm_medium=post&utm_campaign=launch). Inri helps Indian expats (NRIs) to invest in personalized portfolios of Indian index & debt funds with hassle-free repatriation and tax compliance.\n\n![uploaded image](/media/?type=post&id=69944&key=user_uploads/840851/fa45867a-93b7-4c0a-8935-a8caf5af3d9b)\n\n### **TL;DR**\n\nIndia is set to be one of the fastest growing major economies and Indian expats have a unique opportunity to invest in this dynamic growing market. As an Indian expat looking to invest in India, investing in India is a daunting experience, with multiple operational hurdles, complex tax and repatriation regulations.\n\nInri solves these challenges by providing a seamless investment platform comprising of personalized wealth advisory and compliance services.\n\n### **The Problem**\n\nInvesting in India from abroad is broken due to multiple reasons:\n\n1. Lack of awareness - Indian expats often don’t know where to start, what to choose and how to personalize from a plethora of available investment options\n2. High complexity - Being compliant from a taxation and repatriation perspective needs a lot of regulatory knowledge\n3. Physical paperwork - A lot of processes still require paper documents and in-person presence, which makes it impossible to invest hassle-free\n4. Inefficiency - Existing India based funds listed abroad don’t track the Indian market well, leading to an underperformance of as high as 15% over 5 years.\n\n### **The Solution**\n\n![uploaded image](/media/?type=post&id=69944&key=user_uploads/840851/f2f9cd57-a1e8-47d1-8507-b21792c75bcd)\n\nInri helps you navigate through these hassles with a simple platform that curates personalized baskets based on your risk appetite, along with services like easy repatriation and tax compliance.\n\nInri provides\n\n* Personalized baskets curated from 8000+ available mutual funds based on your risk preferences\n* Complimentary Taxation & Repatriation Support to help you get done with taxes under 1 day for both India and your home country\n* Faster Onboarding as Inri partners with leading banks to get your accounts opened faster\n* Educational content to enhance awareness about Indian economy and regulatory processes\n\nInri’s vision is to become a one-stop platform for the Indian expat community of all things money in India.\n\n### **Why Us**\n\n![uploaded image](/media/?type=post&id=69944&key=user_uploads/840851/61f93da0-8854-43b1-a3a4-ead608782e4d)\n\nWe (Hemant and Nishad) have both seen these problems first hand through our own experience and that of our friends looking to invest in India. We’re committed to solving it for the broader Indian expat community around the world.\n\nWe are both alumni of IIT Bombay and IIM Ahmedabad, and have a decade of experience working at McKinsey, BCG, Meta, Walmart and HSBC.\n\n### **Launch Deal**\n\nGet lifetime free access when you invest by August 31, 2023", "url": "https://www.ycombinator.com/launches/IC8-inri-wealthfront-for-indian-expats", "votes": 183, "created_at": "2023-03-04T19:04:11.878Z" } ] }, { "id": 27987, "name": "Shekel Mobility", "slug": "shekel-mobility", "former_names": [ "Shekel Mobility Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/317b78e8b020f4585c1d370268635374dbd5c4a4.png", "website": "https://www.shekelmobility.com/", "all_locations": "Lagos, LA, Nigeria; San Francisco, CA, USA", "long_description": "Our platform helps car dealers find, finance and sell more cars in the $30B African used Car market.\r\n\r\nWe are building the largest auto dealership ecosystem ; powering $10Bn transactions annually\r\n\r\n", "one_liner": "B2B marketplace for Auto Dealers in Africa", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1670346791, "tags": [ "Fintech", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "United States of America", "Africa", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.\n", "answer": "Neobank and Trading platform for car dealerships" }, { "question": "How long have each of you been working on this? How much of that has been full-time? Please explain.\n", "answer": "Over 20 months now, First 15 months was part time but we are all full time now." } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/shekel-mobility", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/shekel-mobility.json", "year_founded": 2022, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/76083486/admin/", "x_url": "https://twitter.com/ShekelMobility", "fb_url": "https://www.facebook.com/profile.php?id=100086445672632", "cb_url": "https://www.crunchbase.com/organization/shekel", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/317b78e8b020f4585c1d370268635374dbd5c4a4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/f4f81ae14a1d7a5bb67edecc2c8ddc25c779ec70.png" ], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 910214, "full_name": "Benjamen Oladokun", "title": "Founder", "founder_bio": "Benjamen is Founder of Shekel Mobility. \nBen founded his first successful business at 17 and has since led teams to launch products that have impacted the mobility sector in SSA and generated several million of dollars. An experienced growth hacker and an experienced entrepreneur. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/benjamen-oladokun-74b19676", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/837dbf5a72f21d1ff084e6c29230553165c6be72.jpg" }, { "user_id": 1006099, "full_name": "Valentine Mayaki", "title": "Founder", "founder_bio": "A rockstar engineer who has over 10 years of experience and has built scalable application for various sectors especially fintech. He has worked for companies like Nextravel, Andela etc.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/valentine-mayaki", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ff26dced8551b1f55bb90a718223d7f4205759d5.jpg" }, { "user_id": 1015101, "full_name": "Sanmi Olukanmi", "title": "Founder", "founder_bio": "Sanmi is an experienced mobility entrepreneur and the\nco-founder and Chief Executive Officer at Shekel.\nOver the last 10 years, Sanmi has founded and exited\nenterprises with an average USD 900K ARR in the\nautomotive industry overseeing sourcing, business\nStrategy and growth.\nSanmi studied Engineering Physics at Obafemi Awolowo\nUniversity.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sanmi-olukanmi-25878837", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8d28845a09e97e761a4a6230df997f2d0f1c4498.jpg" } ], "jobs": [], "news": [ { "title": "Shekel Mobility, a B2B marketplace for auto dealers in Africa, raises $7M led by Ventures Platform and MaC VC | TechCrunch", "url": "https://techcrunch.com/2023/11/13/shekel-mobility-a-b2b-marketplace-for-auto-dealers-in-africa-raises-7m-led-by-ventures-platform-and-mac-vc/", "date": "Nov 13, 2023" }, { "title": "Meet Shekel Mobility, the fintech powering car dealerships in Africa. | TechCabal", "url": "https://techcabal.com/2023/02/13/meet-shekel-mobility-the-fintech-powering-car-dealerships-in-africa/", "date": "Feb 13, 2023" }, { "title": "Shekel Mobility raises $1.95m for expansion - AIM Group", "url": "https://aimgroup.com/2023/02/09/shekel-mobility-raises-1-95m-for-expansion/", "date": "Feb 09, 2023" }, { "title": "Shekel Mobility, the neobank and trading platform for car dealers in Africa", "url": "https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&cad=rja&uact=8&ved=2ahUKEwjm6tucg4n9AhWkXvEDHYsXCLgQFnoECCUQAQ&url=https%3A%2F%2Ftechcabal.com%2F2023%2F01%2F30%2Fshekel-mobility-the-neobank-and-trading-platform-for-car-dealers-in-africa%2F&usg=AOvVaw2Eq-WyFykSHZ9Scah4SKDI", "date": "Jan 30, 2023" }, { "title": "Shekel Mobility, a Nigerian mobility fintech startup, raises $1.95 million in pre-seed funding. - Tech In Africa", "url": "https://www.techinafrica.com/shekel-mobility-a-nigerian-mobility-fintech-startup-raises-1-95-million-in-pre-seed-funding/", "date": "Jan 25, 2023" } ], "launches": [ { "id": 67732, "title": "Shekel Mobility , the neobank and trading platform for car dealers in Africa", "tagline": "Meet Shekel Mobility, A platform that offers a simpler, smarter and faster way to launch and grow your car dealership locally or virtually.", "body": "Hello Everyone,\n\nMeet, [Shekel Mobility](https://shekelmobility.com), a simplified financing & operating system for car dealers in Africa, founded by [Benjamen](https://www.linkedin.com/in/benjamen-oladokun-74b19676/?miniProfileUrn=urn%3Ali%3Afs_miniProfile%3AACoAABALcasBdPDh2pm1VadGzbDN4-_Dg8_xSaoypark-stipop/), [Sanmi](https://www.linkedin.com/in/sanmi-olukanmi-25878837/) and [Valentine](https://www.linkedin.com/in/valentine-mayaki/). We share over 15 years of friendship, mobility and technology background and remain committed to a common vision to drive business optimisation for every car dealer in Africa.\n\n![uploaded image](/media/?type=post&id=67732&key=user_uploads/910214/2cb5be47-a58b-43a8-b247-0928741b7654)\n\n![uploaded image](/media/?type=post&id=67732&key=user_uploads/910214/227bf16b-d243-4191-bca7-8d7010a8f7a6)\n\n![uploaded image](/media/?type=post&id=67732&key=user_uploads/910214/071f0309-8a9c-4dca-8bcf-4df2129e6685)\n\n![uploaded image](/media/?type=post&id=67732&key=user_uploads/910214/2765a61d-9959-40f8-bc15-87aec13bf1ce)\n\n![uploaded image](/media/?type=post&id=67732&key=user_uploads/910214/236796e3-b7bf-487e-a1fb-b773c26845e2)\n\n**Shekel Mobility dealers have been able to triple their sales by growing their inventory through access to our affordable finance.**\n\nWe are happy to engage strategic partners on this ambitious but exciting journey of building the largest Auto dealership ecosystem powering $10Billion dollars by the year 2025.\n\n![uploaded image](/media/?type=post&id=67732&key=user_uploads/910214/c234e2a6-2df2-4265-a3c5-ef60d6ae2d88)\n\nRegards.", "url": "https://www.ycombinator.com/launches/HcS-shekel-mobility-the-neobank-and-trading-platform-for-car-dealers-in-africa", "votes": 22, "created_at": "2022-12-06T17:50:53.661Z" } ] }, { "id": 28007, "name": "Milio", "slug": "milio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b20ca0d6ea153d334a9f63f5b2c7e991839b0369.png", "website": "http://www.miliopay.com", "all_locations": "Bogotá, Bogota, Colombia", "long_description": "Milio is a fully interoperable and immediate payment system for Colombia through a single API connected to millions of accounts. Milio allows companies to perform payable and receivable in real time without ACH rails.\r\n\r\nWe provide our solution through two Plug and Play integrations:\r\n\r\nPID payment button:\r\nEnd-to-end, white label, native, non-redirection payment technology for your customers to pay you account-to-account more efficiently than PSE, without heavy and inefficient ACH cycles and fixed rates.\r\n\r\nTechnology: API, SDK, Checkout UI.\r\n\r\nImmediate disbursement:\r\nSingle API connection to all banks, allowing any company or person to disburse 24/7, in real-time, with immediate crediting of funds to third parties at any bank or digital wallet.\r\n\r\nTechnology: API, Dashboard UI.", "one_liner": "B2B-2C real-time account to account payments", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1673542221, "tags": [ "Fintech", "SaaS", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Colombia", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/milio", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/milio.json", "year_founded": 2022, "city": "Bogotá", "country": "CO", "linkedin_url": "https://www.linkedin.com/company/miliopay/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/milio-393b", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b20ca0d6ea153d334a9f63f5b2c7e991839b0369.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/60/1680799135436-tyh0f5mrzt-de7511999ed7641c9bcd403305b64755/1b09459c9210f24c013b7a840e95a33b.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022712Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=ffdec85869a688172eac56ae4eb9062fb4d24cfd158205fdd9b0f95d931e1fbe", "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b20bb1ba0e9203f20c1a1bf33ed0550679acab62.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 627782, "full_name": "Toni Riera", "title": "Founder", "founder_bio": "Operator and investor with 10+ years scaling fintechs and marketplaces across LatAm, Europe, and the US. Co-founder of Milio (YC W23, B2B payments and treasury SaaS). Previously at SumUp (Director Expansion LatAm), Uber (GM Delivery, Andean Region), and BCG (Consultant, Financial Services & GTM). ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/triera/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/df194b0a0456f9b1a79a86d50b121b0e908fa7eb.jpg" }, { "user_id": 1159255, "full_name": "Daniel Gomez", "title": "Founder", "founder_bio": "Product Manager and Strategist, UX freak, and Project Manager. Passionate about building digital projects from the ground up across different industries, including Fintech, Mobility and Healthcare. I'm currently building a comprehensive lending and payments infrastructure solution for the B2B commerce in Latin America. When I'm not designing prototypes and workflows, I love skateboarding and spending time at the beach with my daughter.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-gómez-86954a58/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d04cb164083c06fc0c9200671f69cbd5a4df379b.jpg" }, { "user_id": 1159270, "full_name": "Juan Luis Perez E", "title": "Founder", "founder_bio": "Co-founder and CEO at Milio", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juan-luis-perez-escobar-079869104", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ac98b7b340ad43371fb25e61b6cb2d2bf91af85b.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 69870, "title": "Milio - B2B payments infrastructure for emerging markets", "tagline": "Milio is building B2B payments infrastructure for emerging markets, domestic and cross-border, with an embedded B2B-commerce checkout. Real-time and saving up to 80% of transaction costs.", "body": "**TL;DR:** Milio is building **B2B payments infrastructure for emerging markets, domestic and cross-border**, and connecting it to legacy ERPs through one single API. Milio's platform allows faster money movements, real-time access to data, and treasury automations through efficient workflows and seamless account-to-account domestic and cross-border payments. Real-time and 80% cheaper.\n\n### **The problem**\n\nIn Latin America, **legacy B2B payments infrastructure** doesn’t allow automated transaction initiation and costs up to 3% through local ACH networks and credit card processing fees. Cross-border payments rails are expensive and inefficient, with up to 5% FX spreads. \n\nIn addition, **no single checkout is built for the B2B-commerce**; and legacy **ERPs are siloed from the payments infrastructure**, involving long treasury workflows and over 20h/week in manual work.\n\n### **Milio’s solution 💡**\n\nMilio enables real-time **B2B account-to-account payments, both domestic and cross-border**, that are **real-time** and save up to 80% of transactions cost and FX rates. Our API provides an **embedded checkout for B2B-commerce** and connects it to legacy ERPs, enabling automated treasury workflows that save our customers over 10h per week in manual work.\n\nOur customers can now access affordable money movements, real-time data, and a **unique B2B checkout experience** that increases conversion rate by 2x. \n\n### **How does Milio work? ✅**\n\nMilio is building an account-to-account payments infrastructure across all of Latin America, both domestic and cross-border, that enables real-time payments (T+0) and the best B2B checkout experience. Our customers can automate how they pay, get paid, and reconcile their ledger, saving up to 80% in transaction costs and over 10h per week in manual work.\n\nThey can also offer the best checkout experience to their business customers by enabling account-to-account one-click real-time payments at checkout, designed explicitly for B2B transactions, increasing conversion rates by 2x.\n\n![uploaded image](/media/?type=post&id=69870&key=user_uploads/627782/948bba8a-dbe6-4e7e-ac5e-6e4f51024772)\n\n### **Why are we working on this?**\n\nExchanging money and accessing premium financial services for local enterprises in LatAm is a nightmare. This is experienced every day by business owners across the region, including the co-founders who have spent time working for large payment fintechs and owning SMBs across the region. We firmly believe that helping those local enterprises and entrepreneurs ­means helping any economy to thrive and grow to its maximum potential. We are committed to solving this problem.  **💥** **Milio was the first Milio client! 💥**\n\n![uploaded image](/media/?type=post&id=69870&key=user_uploads/627782/5c6ed840-bc0b-4fa3-a0fe-b7986a0056fd)\n\n### **Our ask 🙏🏻**\n\n* **Please contact us at**: [founders@miliopay.com](mailto:founders@miliopay.com)", "url": "https://www.ycombinator.com/launches/IAw-milio-b2b-payments-infrastructure-for-emerging-markets", "votes": 390, "created_at": "2023-03-02T15:10:58.102Z" } ] }, { "id": 28019, "name": "inBuild", "slug": "inbuild", "former_names": [ "inBuild, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/565db1f58d2ff6409bb5c8eb3aefcdbc3f515329.png", "website": "https://www.inbuild.ai/", "all_locations": "Wilmington, DE, USA; San Francisco, CA, USA; Aspen, CO, USA", "long_description": "inBuild boosts revenue for home builders by automating the thousands of invoices they receive for every project. For example, when a subcontractor sends an invoice for work they completed, inBuild checks the cost against the project budget, handles any approvals, pays the bill, and updates Quickbooks.", "one_liner": "Workflow Automation for Construction Finance ", "team_size": 12, "industry": "B2B", "subindustry": "B2B", "launched_at": 1671544099, "tags": [ "AI-Enhanced Learning", "Fintech", "Payments", "Construction", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "After working as the financial controller for a large general contractor in Aspen, Ty concluded that construction finances have unusually complex life cycles and very antiquated and disparate solutions. He was frustrated after trying every software available in pursuit of solving the problem for the GC. Ty went to his brother Ian who was assisting in the acquisition of Finvera, a San Francisco-based startup. He presented the idea of starting their own company to build a platform that solved the problems Ty felt firsthand. " }, { "question": "How have you kept in touch with the YC community and continued to use YC resources & programs since the batch ended?", "answer": "We’re inspired and motivated by the success stories of Y Combinator alumni, like Stripe, PlanGrid, Balance, and so many others. Our goal is for inBuild to one day be as recognizable as these brands." } ], "url": "https://www.ycombinator.com/companies/inbuild", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/inbuild.json", "year_founded": 2021, "city": "Wilmington", "country": "US", "linkedin_url": "https://www.linkedin.com/company/inbuildai", "x_url": "https://twitter.com/inBuildai", "fb_url": "https://www.facebook.com/inbuildai/", "cb_url": "https://www.crunchbase.com/organization/inbuild", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/565db1f58d2ff6409bb5c8eb3aefcdbc3f515329.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/875592d00dd8384733ae6195339cef74a9c83eee.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/9adcf53414f51f23528554f41094d52b1bfc7721.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1115776, "full_name": "Ty Sharp", "title": "Founder", "founder_bio": "Co-Founder & CEO at inBuild. \n\nPreviously CFO at Sweeney Development, an Aspen-based General Contractor building $350M in construction volume. \n\nExpressing my creativity through building things that people love. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ty-sharp-59b907123/", "x_url": "https://twitter.com/TySharp_iB", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0785b1afc15abda180559ab1e04b44c3910316f9.jpg" }, { "user_id": 1128556, "full_name": "Ian Sharp", "title": "Founder", "founder_bio": "Co-Founder of inBuild. Supercharging financial management for builders.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ianwsharp/", "x_url": "https://twitter.com/iansharp_iB", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9acffdb84bc4856934580f69f6d084eb5fbb1c59.jpg" } ], "jobs": [ { "id": 63775, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/inbuild/jobs/F5QTABH-founding-engineer", "location": "Boise, ID, US / Santa Barbara, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $200K", "equity_range": "0.50% - 1.50%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Android", "Django", "Go", "iOS", "JavaScript", "Python", "React", "XML", "DynamoDB", "Flutter" ] } ], "news": [], "launches": [ { "id": 70189, "title": "inBuild - Financial automation for home builders", "tagline": "Spend time building, not processing documents.", "body": "Hi there! [Ty](https://twitter.com/tysharp_ib) and [Ian Sharp](https://twitter.com/iansharp_iB) here from [inBuild](https://www.inbuild.ai/).\n\nOur team is building a platform that automates the workflow of financial documents by plugging into email accounts, extracting incoming documents, and processing them all the way into existing accounting systems.\n\n![uploaded image](/media/?type=post&id=70189&key=user_uploads/1115776/47d121da-2a70-4dfb-b36e-9af7ab09ab36)\n\nOver the last 12 months, inBuild has processed over $450M of invoice volume with over $8M flowing through the platform daily.\n\nCustomers rave about inBuild saying:\n\n“You often hear 'under promise and over deliver'. I don't believe that is the business model of inBuild, but they continually over-deliver.“ - Joey Zikor, CFO at [Finbro Construction](https://www.finbroconstruction.com/)\n\n### Problem\n\nFinancial management should be seamless, but construction companies are faced with…\n\n* high document volumes.\n* no industry standardizations.\n* complicated approval workflows.\n* outdated legacy software (yuck 🤮)\n\n![uploaded image](/media/?type=post&id=70189&key=user_uploads/1115776/b71952c8-eb4d-4d6c-bc97-8c2b92c153df)\n\n### Solution\n\nA simple interface that works for you not against you, by…\n\n* ingesting incoming emails.\n* customizing account details.\n* learning from interaction.\n* automating document lifecycles.\n\n![uploaded image](/media/?type=post&id=70189&key=user_uploads/1115776/c39a25f3-9256-4a43-8e2d-ce0546f5c823)\n\n### Team\n\nTy was the CFO of a large luxury home builder and was working with real estate developers that collectively process over $250M in construction volume each year. His brother Ian was the Director of Growth at Gainfully, a Series A startup based in the Bay Area, and assisted in the company's successful acquisition.\n\nThe brothers teamed up to tackle this challenge after cold-calling over 2,000 home builders. What they learned was that a custom home takes 18-24 months to build and during that time the contractor will receive more than 18,000 invoices from vendors and subs, each with as many as 100 line items that all need to be verified and cross-checked to budgets and contracts. The process desperately needs to be automated and we have the backgrounds to make that happen.\n\n![uploaded image](/media/?type=post&id=70189&key=user_uploads/1115776/441f1209-cad6-4c31-a995-f7b161c267c0)\n\n### Asks\n\nPlease reach out if you know any…\n\n* [referrals to home builders](mailto:sales@inbuild.ai).\n* [talented individuals looking for work](https://www.ycombinator.com/companies/inbuild/jobs).\n* [connections to investors](mailto:founders@inbuild.ai).", "url": "https://www.ycombinator.com/launches/IG5-inbuild-financial-automation-for-home-builders", "votes": 200, "created_at": "2023-03-11T19:49:23.880Z" } ] }, { "id": 28045, "name": "Peeba", "slug": "peeba", "former_names": [ "Kingmaker Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1201a58c5de47a287ab4ea6a262a2598a1e6f3af.png", "website": "http://peeba.com/", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Peeba is a one-stop B2B wholesale marketplace that is changing the way retailers across Asia purchase inventory. We’ve streamlined the buying process, making it easier than ever for independent retailers to buy top-selling products from unique brands for their stores.", "one_liner": "Risk-free wholesale for retailers across Southeast Asia", "team_size": 30, "industry": "B2B", "subindustry": "B2B", "launched_at": 1674343263, "tags": [ "Fintech", "Marketplace", "B2B", "Retail" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Inactive", "industries": [ "B2B" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/peeba", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/peeba.json", "year_founded": 2020, "city": "Jakarta", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/peeba", "x_url": "https://twitter.com/Peeba_official", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/Peeba", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1201a58c5de47a287ab4ea6a262a2598a1e6f3af.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": 1119720, "full_name": "Jacky Lai", "title": "Founder", "founder_bio": "Founder and CEO @ Peeba - Before Peeba, I have ran two companies including an e-commerce business where I led the team to grow to over $40mn USD in annual sales. I graduated from Emory University in Atlanta, Georgia. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/jackylaihk", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/45aef4fd9efa9db471f019d5d1dd0fc5fa318fe7.jpg" }, { "user_id": 745223, "full_name": "Kevin Cho", "title": "Founder", "founder_bio": "CEO @ Medifly.ai. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/chokevin1", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f80c3b60df41060b26256418cda3f71cb55f6562.jpg" } ], "jobs": [], "news": [ { "title": "​​How This Online Marketplace Is Changing The Face Of Cross-Border Commerce In Asia", "url": "https://www.forbes.com/sites/tiffanylung/2022/06/02/how-this-online-marketplace-is-changing-the-face-of-cross-border-commerce-in-asia/?sh=68f6473884f9", "date": "Jan 17, 2023" }, { "title": "Peeba raises $4.2M to digitize Asia’s B2B wholesale market   • TechCrunch", "url": "https://techcrunch.com/2022/04/07/peeba-raises-4-2m-to-digitize-asias-b2b-wholesale-market/", "date": "Apr 07, 2022" } ], "launches": [ { "id": 69864, "title": "🚀 Peeba - Faire for Asia", "tagline": "We help retailers in Asia discover and buy inventory online without risk. ", "body": "**tl;dr:** Peeba is a B2B wholesale marketplace that simplifies the buying process for retailers in Asia, connecting them with over 2,500 brands from around the world at the best prices, with free returns and 60 days payment terms.\n\n👋 Hello everyone! We are Kevin and Jacky, founders of [Peeba](https://www.peeba.com/).\n\n![](https://lh5.googleusercontent.com/Z8jALKdiHQaXA8YwXCDv9tYOySii1nPFLOWqAkbsav0X8egaQ3d0veCkDIZeYFsl5pvm3G7dUBT1QaQvL6XTOIX29d0_zlx60rkmtdoygpWQrs41aV1vONYLLRjx1yjecZoGL1qyhA5ANhCvG6e0Eac)\n\n**Problems:**\n\nDespite the growth in e-commerce over the last decade, the B2B wholesale industry in Asia that supports and connects retailers with brands languishes in the pre-digital era and lags behind in technology adoption - over 80% of wholesale transactions in Asia are still brokered over phone and physical meetings with sales representatives. Retailers face difficulty discovering relevant new products, it is risky to take on new products and very cumbersome to manage multiple brand/supplier relationships. The same applies for brands - going to trade-shows to entice buyers is expensive and inefficient. This problem is amplified in Asia where people are spread out across different countries, with different languages, different payment methods, different logistics infrastructure and non-transparent pricing creates many layers of challenges for retailers and brands to build relationships. \n\n**Solution:**\n\nPeeba addresses these pain points by providing a one-stop B2B wholesale marketplace that offers retailers in Asia access to thousands of best selling products with flexible buy-now-pay-later options and free returns. Our platform uses machine learning to enable discovery, allowing retailers to streamline their procurement process, automating many of the tedious tasks associated with buying inventory and simplifying cross-border logistics, making it easy for retailers to discover new brands and manage inventory. With our free return policy, retailers can reduce inventory risk and purchase with confidence, helping them to buy inventory that their customers will love. \n\n![uploaded image](/media/?type=post&id=69864&key=user_uploads/1119720/a04b3631-f594-4707-974c-4e2b9a0f72be)\n\n**A bit more about us:**\n\nWe kicked off our journey in mid-2020 and since then, we've been on a mission to make B2B trade simpler, connecting retailers across 13 markets in Asia with over 2,500 brands and growing! The more we dive into the complexities of the industry, the more driven we become to simplify wholesale for everyone involved. Our goal is to empower retailers across Asia to achieve more by revolutionizing the way B2B wholesale trade is done, bringing efficiency and simplicity to the forefront of the industry.\n\n**Ask:**\n\nIf you are a brand looking to expand your wholesale business in Asia, please reach out to us [here](https://peeba.com/brands).\n\nIf you are an investor looking to join our mission, please reach out to us here: [founders@peeba.com](mailto:founders@peeba.com). ", "url": "https://www.ycombinator.com/launches/IAq-peeba-faire-for-asia", "votes": 167, "created_at": "2023-03-02T05:47:09.677Z" } ] }, { "id": 28079, "name": "Invopop", "slug": "invopop", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5903341d8e42bfa4053fabf5f02effd07eda7793.png", "website": "https://www.invopop.com/", "all_locations": "Madrid, Community of Madrid, Spain", "long_description": "Invopop helps global companies like SumUp, Fever, and DeepL manage electronic invoicing across more than 25 countries through a single API.\r\n\r\nIn the next five years, over 40 countries—including all EU member states—will require businesses to issue invoices electronically and report them in real-time to tax authorities. Instead of building and maintaining numerous local integrations, global companies can integrate just once with Invopop, streamlining compliance and saving time.", "one_liner": "We help global software companies comply with local tax reporting ", "team_size": 7, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1671704731, "tags": [ "FinOps", "Fintech", "Compliance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Spain", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/invopop", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/invopop.json", "year_founded": 2021, "city": "Madrid", "country": "ES", "linkedin_url": "https://www.linkedin.com/company/invopop/", "x_url": "https://twitter.com/goInvopop", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/invopop", "github_url": "https://github.com/invopop", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5903341d8e42bfa4053fabf5f02effd07eda7793.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1138452, "full_name": "Juan Moliner Malaxechevarría", "title": "Founder", "founder_bio": "Spanish-born, Industrial Engineer and ex-BCG.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juan-moliner/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3bdf46f92ac0b5b127e3059c9b6af2f7bac0295d.jpg" }, { "user_id": 1173096, "full_name": "Sam Lown", "title": "Founder", "founder_bio": "Software developer. CTO Founder of Cabify, Spain's first tech unicorn.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samlown/", "x_url": "https://twitter.com/samlown", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/beee74cde327c9286e3516be5d25daacaaacb896.jpg" } ], "jobs": [ { "id": 90370, "title": "Graduate Product Engineer", "url": "https://www.ycombinator.com/companies/invopop/jobs/Q4bZCh3-graduate-product-engineer", "location": "Madrid", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "€45K EUR", "equity_range": "0.10% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 90372, "title": "Staff Product Engineer", "url": "https://www.ycombinator.com/companies/invopop/jobs/fc0Rc19-staff-product-engineer", "location": "Madrid", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "€90K - €140K EUR", "equity_range": "0.20% - 1.00%", "experience": "11+ years", "visa": "US citizenship/visa not required", "skills": [ "Go" ] } ], "news": [], "launches": [ { "id": 68825, "title": "Invopop - Global sales tax compliance with a single integration", "tagline": "Invopop helps companies comply with global Sales Tax/VAT reporting requirements.", "body": "Hey YC! 👋 \\\nWe are Sam and Juan, co-founders of [Invopop](https://www.invopop.com/), and we are on a mission to simplify Sales Tax/VAT compliance, globally.\n\n### **🧨 The problem: new sales reporting requirements**\n\nTax authorities around the world are starting to require that companies report **every sale**, in **real-time** for tax recording purposes. Yes, every **single transaction,** in real-time (i.e. **electronic invoicing**)\n\nThis is **already required** in most **LatAm** countries and India, and the majority of **European countries** are making it mandatory in the next **1-3 years**.\n\n![uploaded image](/media/?type=post&id=68825&key=user_uploads/1138452/fcc7d3af-be8e-41da-9e85-45dd7b4b4286)\n\n## **🎉  Our solution: one API, global compliance**\n\nOur API receives the information of a **sale in a simple open-source format** and **converts it to a locally-compliant invoice,** including\n\n* Sync with tax authorities reporting requirements (e-invoicing).\n* Generate a custom-branded PDF invoice and send it to customers.\n* Integrate with the company’s stack (e.g. ERP, billing, payments, reconciliation).\n\n![uploaded image](/media/?type=post&id=68825&key=user_uploads/1138452/457c38ec-ba3d-49b8-a18c-4f8e1ddc7fef)\n\nInvopop is already live in **Colombia, Spain & Portugal**. Many more coming soon: Mexico, Italy, Peru…\n\n### **🚀 Why we built Invopop**\n\n**Sam** was previously **co-founder & CTO of Cabify**, and as they expanded to LatAm, complying with the e-invoicing requirements became a nightmare. As he could not find a global provider to solve this, he built Invopop.\n\n**Juan** worked as a **consultant in Mexico** and was blown away by how complex the e-invoicing system was. When he learned this is becoming mandatory in Europe, he knew Invopop was needed!\n\n### **🙏🏼 Ask**\n\nIf you want to make sure your company complies with the new regulation: Schedule a demo with us [here](https://savvycal.com/juan-moliner/15min-public)!", "url": "https://www.ycombinator.com/launches/Hu5-invopop-global-sales-tax-compliance-with-a-single-integration", "votes": 25, "created_at": "2023-01-30T01:47:23.981Z" } ] }, { "id": 28088, "name": "Waza", "slug": "waza", "former_names": [ "Waza Technologies Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/92a57e4deee6a07f869cbb379f62bfb1f52114d2.png", "website": "https://waza.co/", "all_locations": "Lagos, LA, Nigeria", "long_description": "Waza is the B2B platform for global payments and emerging market trade. We make it easy and affordable for businesses with no access to USD to fulfil their global payment obligations, treasury and liquidity needs. ", "one_liner": "B2B payments platform for emerging markets.", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1673373183, "tags": [ "Fintech", "Payments", "B2B", "Emerging Markets" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/waza", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/waza.json", "year_founded": 2022, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/wazahq", "x_url": "https://x.com/waza_hq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/92a57e4deee6a07f869cbb379f62bfb1f52114d2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1196020, "full_name": "Maxwell Obi", "title": "Founder", "founder_bio": "Maxwell is a 2x founder and experienced FinTech entrepreneur. Before Waza, he served as the Global Head of Business at Sendwave (W12) - which got acquired by Worldremit for $500M. While there he navigated partnerships and regulatory relationships in Africa, Asia and Latin America. Prior to that, he was the Co-founder of Amplify, a Nigeria-based FinTech which got acquired by Carbon in 2019. Maxwell has a background in Software Engineering and holds a Degree in Computer Science.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/maxwellobi/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/342a2e097c7b1964a103fb53c687c34aa034a359.jpg" }, { "user_id": 506638, "full_name": "Emmanuel Igbodudu", "title": "Founder", "founder_bio": "Emmanuel is a software engineer with strong experience building financial technology products. Betore Waza, he was a senior engineer at Revolut in London helping to build the vaults product. Prior to Revolut he had held leading roles at Fairmoney, Carbon and TeamApt (now Moneypoint)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/emmanuel-igbodudu/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/71db6c7173c23fa3d2216cc194de918b449a277d.jpg" } ], "jobs": [], "news": [ { "title": "Waza comes out of stealth with $8M to power global trade for African businesses | TechCrunch", "url": "https://techcrunch.com/2024/08/19/waza-comes-out-of-stealth-with-8m-to-power-global-trade-for-african-businesses/", "date": "Aug 19, 2024" } ], "launches": [] }, { "id": 28089, "name": "Maxi", "slug": "maxi", "former_names": [ "Leather", "Thread" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/74fe59b0fad86e3ef763c2294a3eb1d69431df2b.png", "website": "https://www.usemaxi.app", "all_locations": "New York City, NY, USA", "long_description": "Maxi is an iMessage-based, AI-native agent for your personal finances. It connects to all your accounts (secure read-only access) and Gmail and proactively texts you to help cancel subscriptions, identify split expenses, and send Venmo requests (on your behalf). It also tracks your net worth, reminds you about bills, and keeps you in line with your budgets.", "one_liner": "AI Agent for your personal finances", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1674772876, "tags": [ "Fintech", "Consumer Finance", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/maxi", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/maxi.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/maxi-app/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/thread-6984", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/74fe59b0fad86e3ef763c2294a3eb1d69431df2b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 817842, "full_name": "Akeem Williams", "title": "Founder", "founder_bio": "Building cool things :) \nEx-Microsoft / Morgan Stanley", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/akeem-williams-aa88b5140/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a5b2d0e4b19bc359f06d6479435b692a2c82d1e5.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 69972, "title": "Thread - Incident management for large enterprises", "tagline": "We take the best practices from Amazon and Microsoft and make them available to all engineering organizations.", "body": "Hi everyone! We’re Yuheng, Akeem, and Harsha, the co-founders of Thread.\n\n**tldr: Thread is incident management for large enterprises. We take the best practices from Amazon and Microsoft and make them available to all engineering organizations.**\n\n### **Problem ❌:**\n\nIncidents are the most stressful part of any live production service, and engineers are often ill-prepared for dealing with them… especially in large enterprises. As enterprises move to the cloud and microservice architecture, embrace remote work, and pick up increasingly more tooling for incidents, engineers face growing difficulty identifying and resolving complex system issues.\n\n* APMs, such as Datadog and New Relic, **overwhelm engineers with data and lack contextual information, making problem-solving a challenge.**\n* Customer support help desks, like Zendesk, **often provide inadequate information when creating tickets, leading to a frustrating cycle of questions for engineers.**\n* Alerting and ITSM tools, such as Pagerduty and ServiceNow, **alert engineering teams but often lack the necessary context for efficient issue resolution.**\n\nNot to mention, leadership still lacks visibility into incident details and progression.\n\nIt's like trying to solve a puzzle with missing pieces and no picture on the box.\n\n### **Solution 💡:**\n\nThe gold standard for incident management workflows is straightforward to describe, but it is incredibly difficult to implement in practice, especially at enterprise scale.\n\nThe four pillars are:\n\n**Detection**: identifying the bug using either a monitoring tool or a customer service tool\n\n**Routing**: getting the ticket to the right person that can solve the issue, using paging tools and communication tools\n\n**Resolution**: using context-providing tools like session replays and streamlined data providers to help solve the issue\n\n**Learning**: identifying the root cause of the issue and generating future workflows to more adeptly solve the problem (or prevent it from happening again)\n\nEnter **Thread:**\n\n![uploaded image](/media/?type=post&id=69972&key=user_uploads/1146884/e2dd7ee3-17c8-45d5-a047-eb5305106c76)\n\nThread offers engineers a customized configuration management database with runbooks, past tickets, monitoring data, and recommended actions for diagnosing and resolving incidents.\n\nWe also provide real-time updates and summaries to leadership and stakeholders during critical incidents, identifying bottlenecks in workflows to prevent future issues.\n\nWhy settle for a single tool that might not fit all your needs? Our platform allows teams to bring in their favorite tools to create a tailor-made solution.\n\n![uploaded image](/media/?type=post&id=69972&key=user_uploads/1146884/417624ff-51f1-426f-93ef-8c792f1758f7)\n\n### **Why us?**\n\nWe’re 3 ex-Microsoft/Amazon engineers who built these tools and processes on our respective teams (Microsoft Store and Prime Video). We want to take what we learned and build an even better solution for the millions of engineers out there, so no one has to face the existential dread of on-call panic ever again.\n\n### **Our Ask ❤️:**\n\nIf you or anyone in your network knows a VP/Director of Engineering at a large enterprise, around fortune 500 level, (**bonus points if their org currently uses tools like ServiceNow**) who would be open to using a 3rd party tool to improve their incident management, processes, and/or learnings, **we’d love an intro.**\n\nIf you have enterprise-level experience with **any of the above tools, we want to hear from you!** We're always striving to improve our integrations and bridge any gaps in the incident management process. Share your experiences with us!\n\nReach out to us at [**founders@usethread.io**](mailto:founders@usethread.io)! We’d love to chat!", "url": "https://www.ycombinator.com/launches/ICa-thread-incident-management-for-large-enterprises", "votes": 730, "created_at": "2023-03-06T19:49:50.961Z" } ] }, { "id": 28090, "name": "Littio", "slug": "littio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e23dd28085a1e8e08c55a386fdd94d4eed49462.png", "website": "https://www.littio.co/", "all_locations": "Bogotá, Bogota, Colombia", "long_description": "Littio is a neobank focused on solving the currency devaluation problem for Latin Americans. The product offers a Savings Account, a Mastercard debit, and investing options in U.S. dollars to help people avoid the currency risk.", "one_liner": "Dollar banking for people in Latin America", "team_size": 37, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1673386052, "tags": [ "Fintech", "Crypto / Web3" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Colombia", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/littio", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/littio.json", "year_founded": 2021, "city": "Bogotá", "country": "CO", "linkedin_url": "https://www.linkedin.com/company/littio-co/", "x_url": "https://mobile.twitter.com/littioco", "fb_url": "https://www.facebook.com/littio.col/", "cb_url": "https://www.crunchbase.com/organization/littio-08b1", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e23dd28085a1e8e08c55a386fdd94d4eed49462.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 570318, "full_name": "Christian Knudsen", "title": "Founder/CEO", "founder_bio": "Chris is the Co-founder & CEO of Littio. He leads growth with over a decade of experience scaling tech startups and leading growth across multiple industries, including fintech, agriculture, and web 3.0.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/christian-knudsen-daccach-51915397/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f9ae47ff0b9dea09bed1a3f1a189ca39c050c061.jpg" }, { "user_id": 878384, "full_name": "Ivan Torroledo", "title": "Founder", "founder_bio": "Physics & Economist \nData Scientist \n+9 banking & financial services experience", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ivantorroledo/", "x_url": " https://twitter.com/ivantorroledo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fee2f4426fdaf76ee2d682821f1f16ed2d2e6821.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 68339, "title": "Littio 🚀 Dollar banking for Latin America", "tagline": "Meet Littio - the dollar account for people in Latin America", "body": "### **Hello there!**\n\nThis is Luis, Camilo, Chris and Ivan from Colombia 🇨🇴. We are happy to share that Littio is live!\\\n\\\n🚀 [Littio](https://www.littio.co/) is a **dollar bank** tailored made for people in Latin America to fight devaluation. \n\n**Why we started this**\n\n300 million people in Latin America have no way of accessing basic financial services in U.S. dollars. We are financially cut off from the world. Access to dollar financial products is limited to the richest 1% and only them can effectively protect their money from hyper-devaluation. \n\n![uploaded image](/media/?type=post&id=68339&key=user_uploads/201195/800b4078-18be-4a6b-83ec-f9be1565d897)\n\nHaving lived this problem first hand for years, we want to fundamentally change the dynamics. People should have access to global financial services in dollars via technology.\n\n**Our Solution**\n\nA dollar bank account that works from an app on any smartphone. With Littio people can:\n\n* Open a free dollar bank account in less than 3 minutes 💵\n* Get a Mastercard debit card 💳 \n* Send and receive dollar payments 💸 \n\n![uploaded image](/media/?type=post&id=68339&key=user_uploads/201195/c35b782a-cc5a-4ba7-a846-590944c5539d)\n\nWe use USDC and traditional payment railways to power up this solution in a simple and easy experience for users.\n\n**Finally,** \n\nIf you live in Colombia 🇨🇴 and want a dollar account, download our app at [Apple](https://littio.sng.link/D89hr/y9ggo?_smtype=3) or [Google](https://littio.sng.link/D89hr/y9ggo?_smtype=3).\n\nIf you live in any other country in LatAm, send us an email at [founders@littio.co](mailto:founders@littio.co) and we can set you up.", "url": "https://www.ycombinator.com/launches/HmF-littio-dollar-banking-for-latin-america", "votes": 32, "created_at": "2023-01-11T03:36:45.384Z" } ] }, { "id": 28116, "name": "Wallbit", "slug": "wallbit", "former_names": [ "Wallbit LLC", "Wallbit Pay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/85e8ced1cd60b84efb4f8a3717bd9cac4572be69.png", "website": "https://wallbit.io", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Wallbit is a neobank for global remote workers, it offers them bank accounts in the US, a debit card, and an investment account to invest in bonds or stocks on the US stock market.", "one_liner": "Neobank for global remote workers", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1677044894, "tags": [ "Fintech", "Investing", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Argentina", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/wallbit", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/wallbit.json", "year_founded": 2022, "city": "Buenos Aires", "country": "AR", "linkedin_url": "https://linkedin.com/company/wallbit", "x_url": "https://twitter.com/wallbit_app", "fb_url": "https://instagram.com/wallbit.app", "cb_url": "https://www.crunchbase.com/organization/wallbit", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/85e8ced1cd60b84efb4f8a3717bd9cac4572be69.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1ea575d0ca342402c06822ed38a98cd026cd75c3.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1021346, "full_name": "Rodrigo Vidal", "title": "Founder", "founder_bio": "CEO @ Wallbit", "is_active": true, "linkedin_url": "https://linkedin.com/in/rodrigovidal05", "x_url": "https://twitter.com/rodrividal_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/647ac9c6fb6e9a98473e24c1bd0c54a1d10b13de.jpg" }, { "user_id": 1021392, "full_name": "Tomas Bruzza", "title": "Founder", "founder_bio": "Head of Product @ Wallbit", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomasbruzza/", "x_url": "https://twitter.com/tomasbruzza", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0602cf95549e2e2310fec7b236877649a7d726c0.jpg" }, { "user_id": 1238147, "full_name": "Braian Fritz", "title": "Founder", "founder_bio": "Software Architect @ Wallbit", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/braian-nicolas-fritz-887966144/", "x_url": "https://twitter.com/braian_fritz", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/95b5d6bf741d1208ba0e7e8da2952c9b64be85d9.jpg" }, { "user_id": 1021372, "full_name": "Martin Gira", "title": "Founder", "founder_bio": "CTO @ Wallbit", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/martintg", "x_url": "https://twitter.com/martin_tito_99", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/acd37c71a62471c69176bfbf3f8c683b19afc504.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 84746, "title": "Wallbit: US banking for global remote workers", "tagline": "Meet Wallbit; US bank account, card and investments for non-US residents", "body": "**Wallbit: The All-in-One Neobank for Global Remote Workers**\n\nWe’re excited to introduce you to the new version of Wallbit: your US banking app from anywhere in the world—without ever stepping foot in the US.\n\n### **FOR INDIVIDUALS:**\n\n* **US Checking Account**: Open a fully functional US checking account 100% remotely. No need for costly travel or lengthy paperwork.\n* **US Debit Card**: Spend globally with a US debit card linked directly to your Wallbit checking account.\n* **Investment Accounts**: Access US stocks and ETFs with ease, giving users the ability to invest and grow their wealth.\n* **Cash Management**: Earn competitive yield on your cash with low-risk options designed for stability and growth.\n* **Instant Withdrawals to Latin America**: Send money back home in seconds, saving up to 5% and many days compared to traditional remittance methods.\n\n![uploaded image](/media/?type=post&id=84746&key=user_uploads/1021346/47f1952f-aabe-4657-bf81-1e36a3022634)\n\n### **For Businesses:**\n\nOur new **Business Portal** allows companies to easily pay to all their contractors without incurring in swift bank transfers or paying high fees to other intermediaries. With no cost, businesses can now \"bankarize\" all their contractors, open US bank accounts to all of them and manage their payroll seamlessly in Wallbit or their own business banking (aka Mercury, Brex, etc.)\n\n### **🥳 Do you like it?**\n\nSign up now and let us know what you think! If your company is interested in using our business portal, or if you’d like to just chat and learn more, you can reach out to us at [founders@wallbit.io](mailto:founders@wallbit.io)\n\n![uploaded image](/media/?type=post&id=84746&key=user_uploads/1021346/2e7f1aff-2d18-4c75-b6e3-4794e53d06e3)\n\n", "url": "https://www.ycombinator.com/launches/M2s-wallbit-us-banking-for-global-remote-workers", "votes": 6, "created_at": "2024-10-14T22:34:11.128Z" }, { "id": 69714, "title": "Wallbit: Neobank in the US for global remote workers", "tagline": "Meet Wallbit, a Neobank for non-US residents that also supports crypto and local currency withdrawals", "body": "**TL;DR:** Wallbit is a Neobank for global remote workers. We give non-US residents a bank account in the US where they can receive their income, and withdraw in crypto and local currencies around the world.\n\nHey everyone 👋, we are happy to introduce Wallbit!\n\n![uploaded image](/media/?type=post&id=69714&key=user_uploads/1021346/74112f3e-dbd6-4d80-b025-6b4e6c217aac)\n\n**🙃 The Problem:**\n\nAs an international worker, you have to figure out ways to receive payments and withdraw money locally. Some banks in Latin America don’t even support US dollars, and the **US financial products are not so accessible if you don’t live there!**\n\n**🌎 The Solution:**\n\n**⚡ One-Stop Neobank for all the needs of remote workers ⚡**\n\nWallbit not only helps you receive payments, but also helps you get immediate liquidity. **Imagine receiving an ACH/Wire bank transfer from your client/employer in your Wallbit account, and then having those funds available in your bank account in your country in just 5 minutes…** sounds good, right? That’s exactly what we do.\n\nNow, take a look to the rest of our features:\n\n1. Receive ACH/Wire and Swift bank transfers ✅\n2. Receive payments from payroll platforms like Deel, OnTop ✅\n3. Convert and withdraw in crypto or local currencies ✅\n4. Get access to a virtual US debit card ✅\n5. Invest in the stock market and US treasuries ✅\n\nYep, all that, and it’s live already, no waitlists! Sign up in [app.wallbit.io](http://app.wallbit.io) and get access to your US bank account for free.\n\n### **💪 Why us?**\n\nWe are a team of software engineers from Argentina who have faced this problem for years while working remotely for US companies. We’re combining all that understanding of the problem with our tech expertise to fill the banking gap between the US and the rest of the world.\n\n![uploaded image](/media/?type=post&id=69714&key=user_uploads/1021346/e30bd5b8-34df-4c62-b7ee-b0b0d0bb87c9)\n\n### **🥳 Do you like it?**\n\nSign up now and let us know what you think! You can reach out to us at [founders@wallbit.io](mailto:founders@wallbit.io)", "url": "https://www.ycombinator.com/launches/I8Q-wallbit-neobank-in-the-us-for-global-remote-workers", "votes": 188, "created_at": "2023-02-27T18:14:46.462Z" } ] }, { "id": 28127, "name": "Benchmark", "slug": "benchmark", "former_names": [ "BidSight" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0dddc99c1f1c38c90b727d87cc7bb8d59dfad6be.png", "website": "https://withbenchmark.com/", "all_locations": "New York City, NY, USA", "long_description": "Benchmark is the trusted AI platform for investment firms. Today, leading firms use Benchmark to screen deals, extract insights from unstructured data, and automate workflows. Our platform combines cutting-edge AI with deep industry expertise to help investment firms make smarter, faster decisions across their entire deal lifecycle.", "one_liner": "Decision infrastructure for investment firms", "team_size": 7, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1673633463, "tags": [ "Fintech", "Finance", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/benchmark", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/benchmark.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://linkedin.com/company/with-benchmark", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0dddc99c1f1c38c90b727d87cc7bb8d59dfad6be.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/259b32bfd6dd0761d7dd67bbe6a758d3cdb23d6a.png" ], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1122874, "full_name": "Alec Dunn", "title": "Founder", "founder_bio": "Alec spent 5+ years working for one of the largest real estate investors in the world and is now on a mission to change how private market investors utilize their data.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alec-dunn-81555687/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c7b3f6f38061d4d0ecef46cd27ffb04b3bfc2eb3.jpg" }, { "user_id": 1120059, "full_name": "Connor Janson", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://linkedin.com/in/connorjanson", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ad12bef89f3955728298cb72c81b7325ca1e5a63.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 81006, "title": "Benchmark 📈 - The fastest way to screen deals & analyze investment data", "tagline": "The platform that allows you to screen deals in minutes rather than days.", "body": "**_TL;DR:_** _Benchmark is the fastest way to screen deals & analyze investment data. Benchmark efficiently extracts, organizes, and summarizes key information from any data source in seconds while automatically building a proprietary comp database. With Benchmark, decision-makers can capitalize on opportunities with unmatched speed and precision. Visit _[_https://withbenchmark.com_](https://withbenchmark.com)_ to accelerate your investment process today._\n\n_—_\n\nHey YC! We are Alec, Connor, and Josh, the co-founders of Benchmark. We are on a mission to change how private market investors screen investment opportunities and utilize data.\n\n### **❌ The Problem:**\n\nInvestment teams spend thousands of hours each year reviewing investment opportunities that die. When deals die, all of the precious data and context that was painstakingly collected is lost in old email chains and folders. This data is a gold mine for investment firms but is currently neglected. As a result, investment teams spend way too much time focusing on low-probability opportunities, digging through old files for comps, and redoing old analyses.\n\n### **✅ Our Solution:**\n\nBenchmark automatically extracts, normalizes, and summarizes deal data from any data source. Allowing investment teams to quickly screen deals, answer due diligence questions, build comps, and gather context. Benchmark’s single source of truth for deal data provides a huge competitive advantage for teams by minimizing the amount of time they spend on low-probability deals and building permanent institutional knowledge.\n\n### **❓ How it Works:**\n\n* **Upload deal documents**\n * Documents from any data source, whether internal or external, are securely parsed in minutes\n* **Instantly screen your deal**\n * Review deal summaries, key metrics, internal comps, due diligence question answers, and highlighted risks\n* **Dive deeper into any area of interest with Q&A**\n * Ask any question about the deal, and Benchmark will provide accurate answers with instantly verifiable sources, reasoning, and citations.\n* **Retain and analyze all of your data**\n * Upon upload, each file has key metrics extracted - transforming previously unstructured data into a structured database ready for any analysis\n\n![uploaded image](/media/?type=post&id=81006&key=user_uploads/1122874/8b8447dc-c49b-40cf-b413-4e59f97bd845)\n\n### **🙏 Asks:**\n\n* **Connect us** ([alec@withbenchmark.com](mailto:alec@withbenchmark.com)) with Private Equity Funds, Institutional Real Estate Investors, Private Credit Funds, or other private market investors.\n* **Test our product**: We would love to have you test our product if you do any private market investing yourself!", "url": "https://www.ycombinator.com/launches/L4Y-benchmark-the-fastest-way-to-screen-deals-analyze-investment-data", "votes": 44, "created_at": "2024-05-21T16:57:01.742Z" }, { "id": 68929, "title": "BidSight 🏗️ - Modernizing pre-construction for CRE developers", "tagline": "Eliminate costly errors and meet deadlines during pre-construction, with the first project management platform specifically built for CRE developers", "body": "### **Tl;dr**:\n\nBidSight makes it easy for commercial real estate (CRE) development teams to manage and collaborate on complex pre-construction workflows. Today, CRE developers manually track pre-construction workflows across hundreds of project documents, which leads to extremely costly errors. BidSight’s platform acts as a single source of truth for development teams, eliminating errors and saving them millions. [Learn more today!](https://www.bidsight.io/)\n\nHi everyone! We’re Alec, Connor, and Josh from [BidSight](https://www.bidsight.io/).\n\n![uploaded image](/media/?type=post&id=68929&key=user_uploads/1122874/e2f756ee-d963-4a1b-b098-b60906f34233)\n\n### **🚧 The Problem: The Pre-Construction process is broken**\n\nDuring pre-construction, commercial real estate developers rely on numerous stakeholders (architects, engineers, contractors, etc.) to help design, permit, and plan construction projects within their budget. However, development teams currently have to utilize a patchwork of non-specialized tools (email, excel, PDF editors, etc) to manage stakeholder workflows and output, creating error-prone, non-standardized, and siloed processes.\n\nThe current process forces development teams to recreate the wheel from scratch on every project and causes them to lose millions of dollars on each project due to error driven delays.\n\n### 📖**Background**\n\nAlec (CEO) spent 5+ years working for one of the largest commercial real estate developers in the United States and dealt with this problem on a daily basis. He spent a significant amount of time searching for a software solution that addressed his highly specific needs; however, none of the non-specialized tools in the market worked. After speaking with numerous other developers that faced the same problem, Alec decided to recruit Connor (ex-Square) and Josh (ex-Google), who have spent their careers developing software, to build the product he always wished he had.\n\n### **✅ Our Solution: Collaborative workflow and data management**\n\nA pre-construction specific workflow and data management platform that acts as the single source of truth for development teams.\n\n* **🧑‍🤝‍🧑Team Management**: Add your full team (internal and external) to a project, with clear permissions structures based on roles and responsibilities\n* **📅Schedule Management**: Create project schedules that update in real-time based on the completion of tasks\n* **📄Drawing & Document Management**: Upload all of your project drawings and our OCR engine will automatically categorize them, allowing for clear version control and change tracking\n* **✔️Task Management**: Assign, track and prioritize tasks, which are directly tied to project documents and deadlines\n* **♻️Templated Workflows**: Create templates and checklists for your specialized workflows to standardize processes\n\n![uploaded image](/media/?type=post&id=68929&key=user_uploads/1122874/12194d69-7dc5-4da1-8d19-bfd9c968d4e5)\n\n### **💰 Opportunity: Value beyond savings**\n\nIn 2022, $1.8 trillion was spent on construction in the United States. Recent studies have shown that 75% of construction projects are delayed and less than 1/3 of projects come within 10% of their original budget. This means that there are hundreds of billions of dollars wasted each year due to project delays! Rather than wasting these funds, they should be reallocated to enhance our built world.\n\n### **🙏Ask: How you can help**\n\n* [Connect us](mailto:sales@bidsight.io) to US based CRE developers in your network\n* [Share BidSight](https://www.bidsight.io/) with your network\n* If you are building a company within the real estate & construction space, we would love to connect to learn about your experience ([founders@BidSight.io](mailto:founders@BidSight.io))", "url": "https://www.ycombinator.com/launches/Hvl-bidsight-modernizing-pre-construction-for-cre-developers", "votes": 75, "created_at": "2023-02-01T16:27:56.777Z" } ] }, { "id": 28162, "name": "Verata", "slug": "verata", "former_names": [ "aiFlow", "AiFlow" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/04042feea68cfa6b3181b5712c149970e24f178f.png", "website": "https://www.veratainsight.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Source Proprietary Deals Through Your Network. Verata combines relationship intelligence with private company data to help PE firms find targets, identify warm paths, and get to companies before they hit the market. We also empower firms to leverage their extended network for back-channeling and due diligence on prospective investment targets. ", "one_liner": "Network Intelligence for Investors", "team_size": 2, "industry": "B2B", "subindustry": "B2B", "launched_at": 1677562483, "tags": [ "Fintech", "Generative AI", "SaaS", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "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/verata", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/verata.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/verata-insight/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/04042feea68cfa6b3181b5712c149970e24f178f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/c4280f3311f270f15974e74b82fb6e703a517374.png" ], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 292223, "full_name": "Nicholas Manske", "title": "Founder", "founder_bio": "Building Verata, an executive network mapping and company intelligence platform for investors (think BoardEx plus PitchBook). We drive proprietary deal flow, backchannel diligence, and executive advisory for the private equity industry", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicholas-manske/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fcca6f4841e40320e460ad7a9a1aefa34f9af94b.jpg" }, { "user_id": 1236126, "full_name": "Josh Gardner", "title": "Founder", "founder_bio": "Building Verata, an executive network mapping and company intelligence platform for investors (think BoardEx plus PitchBook). We drive proprietary deal flow, backchannel diligence, and executive advisory for the private equity industry. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/josh-gardner-957903134/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/112add0217d636a126e07dbefc32f1f08945219f.jpg" } ], "jobs": [], "news": [ { "title": "AiFlow Secures Seed Round Investment | MarTech Cube", "url": "https://www.martechcube.com/aiflow-secures-seed-round-investment/", "date": "Apr 26, 2023" } ], "launches": [ { "id": 96939, "title": "Verata - Network Mapping for Investors", "tagline": "Harness the power of your firm's extended network", "body": "[Verata ](https://www.veratainsight.com/)helps PE firms source proprietary deals by mapping their network and showing warm paths to target companies.\n\n\n\n### **TL;DR**\n\nVerata is the relationship intelligence platform for private equity. We map your firm's entire network, show you warm paths to any target company, and combine that with private company intelligence—so you can source proprietary deals through relationships instead of cold outreach.\n\n**3 of the top 10 mega funds** already use Verata. We drive proprietary deal flow, due diligence, and the sourcing of deal advisors and portfolio operators.\n\n**Ask:** Know someone at a PE firm frustrated with deal sourcing? Intro us at [josh@veratainsight.com](mailto:josh@veratainsight.com).Want to try it yourself? Book a demo [here.](https://meetings.hubspot.com/josh-gardner)\n\n![uploaded image](/media/?type=post&id=96939&key=user_uploads/1236126/39421e1c-e8f7-442e-a8ad-39a754cf72eb)\n\n---\n\n---\n\n### **The Problem**\n\n**Private equity runs on relationships—but firms can't see their own network.**\n\nEvery PE firm has thousands of professional connections across partners, principals, alumni, operating advisors, and portfolio executives. When a deal team wants to reach a specific CEO or find companies matching their thesis, all that relationship capital is invisible.\n\nThe result:\n\n* **\"Do we know anyone at this company?\"** - Asked dozens of times a week, answered by guessing\n* **\"Who's our best path to this founder?\"** - Hours of LinkedIn searching for each target\n* **\"What companies fit our thesis?\"** - Days of manual market mapping\n* **Cold outreach to warm targets** - Missing relationships that could have opened doors\n\nFirms pay millions for databases of company information, but the most valuable data—their own relationships—sits unused.\n\n### **Our Solution**\n\nVerata combines relationship intelligence with private company data in one platform built specifically for PE.\n\n**Relationship Path Mapping**\n\nSee how your firm connects to any target company or executive. We identify high-quality, verified professional relationships—not LinkedIn's low-quality connections—and show you the warm paths that turn cold outreach into warm introductions.\n\n![uploaded image](/media/?type=post&id=96939&key=user_uploads/1236126/a9bebdb0-e58e-4038-8fdd-3253f96961b3)\n\n**Private Company Intelligence**\n\nResearch any target in seconds. Revenue estimates with transparent methodology, headcount trends, funding history, leadership profiles, comparable company analysis. One source of truth for target research.\n\n![uploaded image](/media/?type=post&id=96939&key=user_uploads/1236126/e1054869-f81f-4131-a395-5c60121a78a4)\n\n**Targeted Search**\n\nFind every company matching your thesis. Filter by geography, revenue range, sector, ownership type. Save searches and and see which targets you have warm paths to.\n\n![uploaded image](/media/?type=post&id=96939&key=user_uploads/1236126/32502b83-ccf5-4c02-9c2a-6390cbb2f4a9)\n\n**The Numbers:**\n\n* 1.5M+ executive profiles\n* 30M+ relationships mapped\n* Used by 3 of the to 10 firms by AUM\n\n---\n\n### **The Team**\n\n**Nick Manske** - Serial entrepreneur who previously co-founded AiFlow and Alariss Global, a software platform for international executive search that grew to 37 employees. Harvard '09, INSEAD '17J, former U.S. diplomat.\n\n**Josh Gardner** - Princeton-educated computer scientist with research published in top journals and experience leading startup engineering teams at Alariss Global and AiFlow. Princeton BSE ‘20, MSE \\*22.\n\n### **How We Got Here**\n\nBefore [Verata](https://www.veratainsight.com/), we built and scaled AiFlow—a software platform for executive search. We learned that relationship data is incredibly powerful when it's properly mapped, verified, and made actionable.\n\nWe also saw the same problem plaguing PE that we solved in executive search: brilliant professionals spending hours trying to answer a simple question—\"Who do we know?\"\n\nWe knew we could bring the network intelligence techniques we'd perfected to private equity deal sourcing. Today the [Verata](https://www.veratainsight.com/) platform trusted by 3 of the top 10 mega funds in the world.\n\n---\n\n### **Our Ask**\n\n1. **Intros to PE deal teams** - Know principals, directors, VPs, or business development folks at PE firms? We'd love an intro. Email [josh@veratainsight.com](mailto:josh@veratainsight.com).\n2. **Try Verata** - If you're at a PE firm or work closely with one, book a demo [here](https://meetings.hubspot.com/josh-gardner).\n3. **Follow our journey** - Connect with us on LinkedIn: [Nick](https://www.linkedin.com/in/nicholas-manske/) | [Josh](https://www.linkedin.com/in/josh-gardner-957903134/)\n\nThanks for reading! For more information please email [josh@veratainsight.com](mailto:josh@veratainsight.com) or visit .\n\n— Josh & Nick\n\n---", "url": "https://www.ycombinator.com/launches/PDX-verata-network-mapping-for-investors", "votes": 5, "created_at": "2026-01-19T22:46:33.127Z" }, { "id": 88557, "title": "Verata - AI-Powered PE Intelligence Platform", "tagline": "Verata unifies financial data and executive profiles to help PE firms make better investment and talent decisions", "body": "Hey everyone 👋\n\nWe're Josh and Nick – co-founders of [Verata](https://www.veratainsight.com/).\n\n**TL;DR** Verata is the first unified intelligence platform for private equity that combines financial data and detailed executive profiles in one place. PE professionals spend hours jumping between LinkedIn, Pitchbook, and ZoomInfo manually compiling data. Verata saves firms 4.7x research time while providing verified executive attribution data that reveals which leaders truly drive returns.\n\nAsk: Are you a PE firm currently evaluating your research and intelligence stack for 2025? Book a [demo here](https://meetings.hubspot.com/josh-gardner) or email [josh@veratainsight.com](mailto:josh@veratainsight.com).\n\n\n\n❌ **The Problem** \n\nPrivate equity professionals waste 20+ hours per week on fragmented research across data silos (PitchBook, LinkedIn, ZoomInfo).\n\nA look at the numbers:\n\n* 71% of PE professionals toggle between 3+ platforms daily\n* 62% of executive hires fail to meet performance expectations\n* $380B in value creation is missed annually due to poor talent decisions\n* No solutions: existing platforms show where executives worked but not what they actually delivered\n\n🛠️ **Our Solution: One Unified Platform for PE Intelligence**\n\n**All-in-One System** 📊\n\n* End the frustration of toggling between LinkedIn, Pitchbook, and ZoomInfo.\n* Financial and people data in one place.\n* Complete profiles with PE-specific metrics\n* Seamless workflow with no \"stitching\" required\n\n**Performance-Verified Talent Intelligence** 👥\n\n* Find executives with proven PE value creation records\n* Validated historical performance across multiple PE cycles\n* Quantify what executives actually delivered\n* Identify true drivers of portfolio success\n\n**Superior Data Quality** 📈\n\n* Auto-updating, never stale data with continuous verification\n* Verified sources with clear citations\n* Transparent revenue estimation methodology\n* High accuracy on projections vs. actual reported figures\n\n**Comprehensive Market Mapping** 🗺️\n\n* Map your entire PE ecosystem in minutes\n* Superior competitor identification and market research\n* Eliminate the need to stitch data across multiple tools\n* Get the freshest insights on companies, executives, and investors\n\n🌟 **Results & Metrics**\n\n* 330k+ PE operators with verified experience and quantified metrics\n* $1.2T+ exit value tracked across our PE operator database\n* 4.7x faster research compared to traditional methods\n\n🙏 **Our Ask**\n\n* Are you a PE firm currently evaluating your research tools? Book a demo here.\n* Know any PE Operating Partners or Talent Partners who might benefit from our platform? Please share this post or introduce us: [josh@veratainsight.com](mailto:alex@verata.com)\n* Follow us on LinkedIn for the latest PE intelligence insights\n\nLearn more at [VerataInsight.com](http://VerataInsight.com)\n\n👫 **The Team**\n\nNick - Serial entrepreneur and repeat HR tech founder. He has deep expertise in people data and has built multiple advanced search systems for executive search professionals. Self-taught coder who graduated from Harvard and then worked as a diplomat in the US State department. \n\nJosh - Repeat founder and published algorithmic game theory researcher. Led technology teams for Alariss Global (General Catalyst) and AiFlow (YC ‘23) after graduating from Princeton (‘20, \\*22). \n\n![uploaded image](/media/?type=post&id=88557&key=user_uploads/89898/17b2d31d-6b4f-43fd-bf33-62214e75f584)\n\n", "url": "https://www.ycombinator.com/launches/N2L-verata-ai-powered-pe-intelligence-platform", "votes": 6, "created_at": "2025-03-13T04:58:32.602Z" }, { "id": 82693, "title": "AiFlow - AI-powered Executive Search for the C-suite", "tagline": "We help executive search firms deliver exceptional candidates faster than ever before.", "body": "**tl;dr:** _AiFlow helps executive search firms generate a shortlist of executive candidates for an open position in under 60 seconds. Candidates are selected from our platform of 150,000 highly-enriched profiles, and each shortlist is created by thousands of AI “workers” evaluating candidates in parallel._\n\nHi everyone, we're Nick and Josh, the founders of AiFlow. We're on a mission to revolutionize executive search by harnessing the power of AI to deliver exceptional C-suite and board candidates faster than ever before.\n\n![uploaded image](/media/?type=post&id=82693&key=user_uploads/1236126/62fc49eb-65f1-4768-ac74-baa149328cbe)\n\n**Nick Manske:**  Harvard and INSEAD alumnus, previous co-founder of a cross-border talent marketplace.\n\n**Josh Gardner:** Princeton-educated computer scientist specializing in AI and NLP, who trained under one of OpenAI's GPT creators.\n\n🎯 **The Problem: Executive search is slow, manual, and often biased**\n\nTraditional executive search methods are time-consuming and labor-intensive. Search firms spend countless hours manually researching candidates, often relying on limited networks and potentially biased decision-making processes. This leads to:\n\n\\- Extended search cycles, sometimes lasting months\n\n\\- Difficulty in identifying diverse, high-quality candidates\n\n\\- Inconsistent results and potential missed opportunities\n\n✨ **Our Solution: AI-powered executive search at unprecedented speeds**\n\nAiFlow combines advanced AI algorithms with vast datasets to streamline and enhance the executive search process:\n\n\\- Analyze millions of data points to instantly identify top candidates\n\n\\- Generate comprehensive candidate profiles and dossiers\n\n\\- Mitigate bias through transparent and explainable AI systems\n\n\\- Provide industry-specific insights and competitor analysis\n\n![uploaded image](/media/?type=post&id=82693&key=user_uploads/1236126/87469b54-9be2-4ba1-be5c-685c5960b3a6)\n\n🚀 **Key Features:**\n\n1\\. Rapid Candidate Identification: Shorten search cycles by an average of 60%\n\n2\\. AI-Generated Insights: Gain deep understanding of candidates in minutes, not hours\n\n3\\. Diversity and Inclusion Focus: Proprietary AI systems designed to remove racial, gender, and age bias\n\n4\\. Automated Research: Leverage AI's understanding of industry semantics for precise matches\n\n5\\. Scorecard and Competency Matrix Search: Pinpoint candidates who precisely match client requirements\n\n💼 **Traction and Validation:**\n\n\\- Initially developed as a secret weapon for top private equity firms\n\n\\- SOC II certified, meeting strict security standards\n\n\\- Trusted by leading executive search professionals\n\n🙏 **Our Ask:**\n\n1\\. **Try AiFlow:** [Schedule a demo](https://meetings.hubspot.com/josh-gardner) to see how we can transform your executive search process\n\n2\\. **Connect us** with executive search firms, PE firms focused on executive hiring for portfolio company roles, or corporate talent acquisition teams\n\n3\\. **Share your thoughts:** We'd love your feedback on our approach to AI in executive search\n\n**Contact us** at [founders@aiflow.solutions](mailto:founders@aiflow.solutions) or [book a demo here.](https://meetings.hubspot.com/josh-gardner)", "url": "https://www.ycombinator.com/launches/LVl-aiflow-ai-powered-executive-search-for-the-c-suite", "votes": 7, "created_at": "2024-08-02T19:05:00.134Z" } ] }, { "id": 28175, "name": "Pier", "slug": "pier", "former_names": [ "Pier Fin", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/eb10300785960d3b48dfff648ae5ee0f8ba40cfc.png", "website": "http://www.pier-finance.com", "all_locations": "San Francisco, CA, USA", "long_description": "We’re building an API for launching credit products. We enable companies to compliantly offer credit by handling the tech stack for origination, underwriting and loan management with just a few lines of code. We have built-in compliance guardrails to ensure that our customers comply with state and federal regulations and assist with licensing requirements and license management. ", "one_liner": "Stripe for Credit - Trusted Credit Compliance Partner", "team_size": 4, "industry": "B2B", "subindustry": "B2B", "launched_at": 1673342537, "tags": [ "Fintech", "SaaS", "B2B", "Compliance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "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/pier", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/pier.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pier-finance/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/eb10300785960d3b48dfff648ae5ee0f8ba40cfc.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": 1218632, "full_name": "Jessica Zhang", "title": "Founder", "founder_bio": "Jessica is CEO & Co-Founder at Pier. Previously, CoS/PM at Stilt (YC W16, acq. by JGW) and founding team for Onbo, Stilt’s B2B credit API product. 2x founder (Oppti, acquired), ex-JPMorgan, ex-McDonald's. $7B+ underwriting/transaction experiences across private equity, investment banking and management consulting. She's a Cornell alum and has managed teams of 30+ ppl. Fun fact: she's a ski instructor and her goddaughter is a chihuahua-mix shelter adopt. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jessica-zhang-87967280/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bb75e18e1f582b7e3f400b48d0c29ab54071173c.jpg" } ], "jobs": [ { "id": 68560, "title": "Founding Engineer (Full Stack)", "url": "https://www.ycombinator.com/companies/pier/jobs/W6Bouqf-founding-engineer-full-stack", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $230K", "equity_range": "0.50% - 2.00%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Express", "Node.js" ] }, { "id": 74591, "title": "Business Development Representative", "url": "https://www.ycombinator.com/companies/pier/jobs/e7WnWVP-business-development-representative", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $120K", "equity_range": "0.10% - 0.50%", "experience": "1+ years", "visa": "Will sponsor", "skills": [] } ], "news": [ { "title": "Pier Raises $2.4 Million to Help Businesses Launch Credit Products | PYMNTS.com", "url": "https://www.pymnts.com/alternative-credit/2024/pier-raises-2-4-million-to-help-businesses-launch-credit-products/", "date": "Jan 11, 2024" }, { "title": "Pier banks $2.4M to launch ‘Stripe for credit’ | TechCrunch", "url": "https://techcrunch.com/2024/01/11/pier-2-4m-stripe-for-credit-fintech", "date": "Jan 11, 2024" } ], "launches": [ { "id": 68537, "title": "Pier - The fastest way to ship your own loan products 🚀", "tagline": "Credit Infra API built for speed & flexibility ", "body": "👋🏻 Hey Alex & Jess here from W23 batch!\n\n## **✨ TLDR ✨**\n\nWe’re building an **API for launching credit products**. We enable any company to offer credit by handling origination, underwriting, compliance and servicing with just a few lines of code. Using Pier, our customers can offer credit to their borrowers/users without ever directing them outside their app, while Pier’s API powers the credit and compliance stack all under the hood.\n\n## **⛔️ The Problem ⛔️**\n\nLaunching a credit product in the US is extremely complex, expensive and time consuming — Companies have to build a lending function from scratch, pay millions of dollars for a bank charter, and spend months or years to implement. These combined factors often break the unit economics of a fast-growing company and are usually not part of a company’s core competency.\n\n## **✅ Our Solution ✅**\n\nPier enables companies to go live with their own credit product in weeks, not months!\n\n🔥 **Speed is our (and your) currency** - our platform and implementation process is designed to take you live in weeks, not months\n\n🚀 **Built for developers** - API driven, flexible modules to support innovative credit products\n\n📐 **Compliance partner** - leave the toughest compliance & licensing burdens to us, so you can focus on your customers. We help you understand your licensing and compliance needs, and provide you with compliance guardrails for long term sustainability. \n\n## **⚙️ How it works ⚙️**\n\n![uploaded image](/media/?type=post&id=68537&key=user_uploads/1218632/e12a53e0-8a14-4878-8362-da74840a0188)\n\n![uploaded image](/media/?type=post&id=68537&key=user_uploads/1218632/0a66540d-b85b-4903-868d-cb9b313be48d)\n\n## **🙏🏻 Our Asks 🙏🏻**\n\n* Reach out via our [contact us form](https://www.pier-finance.com/contact) if you’d like to use our solutions\n* Share this with folks you know building credit products\n* Give us an Upvote & share!", "url": "https://www.ycombinator.com/launches/HpR-pier-the-fastest-way-to-ship-your-own-loan-products", "votes": 255, "created_at": "2023-01-18T23:25:45.982Z" } ] }, { "id": 28183, "name": "Metal", "slug": "metal", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0bdcc8475801e999a95ad750970c80614d23f5c4.png", "website": "https://metal.ai/", "all_locations": "New York City, NY, USA", "long_description": "Firm proprietary data is only as sharp as the context around it. Metal is the context platform for private capital.\r\n\r\nIt structures everything a firm has touched, every deal, company, and figure, along with every decision the deal team has made, into one context graph. So the AI tools your deal teams already rely on, like Claude, ChatGPT, and Copilot, can reason with the firm's own knowledge. Every deal feeds back into the graph, so the firm's edge compounds: each decision sharpens the one that follows.\r\n\r\nMetal is purpose-built for private equity and private credit. We turn what a firm knows into how it wins.", "one_liner": "The AI context platform for private capital. Everything your firm…", "team_size": 17, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1674209670, "tags": [ "Fintech", "SaaS", "Finance", "Investing", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/metal", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/metal.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/getmetal/about/", "x_url": "https://x.com/metal__ai", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/metal-6dfc", "github_url": "https://github.com/getmetal/", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0bdcc8475801e999a95ad750970c80614d23f5c4.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": 1212950, "full_name": "Taylor Lowe", "title": "Founder", "founder_bio": "CEO of Metal. Product manager who started in sales. DC native. Big fan of New York so now I live there.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/taylorlowe11/", "x_url": "https://twitter.com/T__Lowe", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fccb2375c2dc56e262189584fae495dfcca8f354.jpg" }, { "user_id": 506814, "full_name": "James O'Dwyer", "title": "Founder", "founder_bio": "Co-Founder of Metal", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jamesxodwyer", "x_url": "https://twitter.com/softboyjimbo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5b49b1a7c0a4781597e822e509086005f86747ad.jpg" }, { "user_id": 412427, "full_name": "Sergio Prada", "title": "Founder", "founder_bio": "Co founder of Metal (metal.ai)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sergiopradamora/", "x_url": "https://twitter.com/sergioprada666", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/45999f4d54ac6c1f6f59743235bf6af0659728ff.jpg" } ], "jobs": [ { "id": 110016, "title": "Forward Deployed Engineer - Strategic Account", "url": "https://www.ycombinator.com/companies/metal/jobs/7zlvBO4-forward-deployed-engineer-strategic-account", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $240K", "equity_range": "0.10% - 0.25%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Metal Raises $5M from Base10 Partners to Transform Private Market Investing with AI", "url": "https://www.metal.ai/blog/seed-fundraise-announcement", "date": "Sep 11, 2025" }, { "title": "In the AI arms race, Metal aims for enterprise dominance with $2.5 million war chest | VentureBeat", "url": "https://venturebeat.com/ai/in-the-ai-arms-race-metal-aims-for-enterprise-dominance-with-2-5-million-war-chest/", "date": "Jun 22, 2023" } ], "launches": [ { "id": 77440, "title": "Metal - Your deal team assistant 🤘", "tagline": "AI Accelerated Deal Flow and Portfolio Intelligence", "body": "⚡**TLDR**\n\n* [Metal](https://www.getmetal.io/) is relaunching as a SaaS application for financial services and funds, with a focus on buy-side deal teams and portfolio monitoring for fund managers 🤘\n* We make deal teams 10x faster by parsing data and assisting in diligence across relevant file types - transcripts, 10-Ks/Qs, financial statements, board decks, CIMs, and more\n* Portfolio data is structured and made queryable for fund managers to better understand their investments – from running instant comps to extracting quotes from a board meeting\n* We’re rolling out Metal on a fund by fund basis – if this sounds like you, please get in touch! [founders@getmetal.io](mailto:founders@getmetal.io) or [submit your contact info here](https://www.getmetal.io/contact) 🎸\n\n**👎The problem**\n\nDeal teams are overloaded with data, yet deals remain highly competitive and are lost with an inefficient diligence process. In early diligence alone, analysts spend days reading through expert call transcripts, 10-Ks, or financial statements just to get a basic understanding of a company. This is a highly manual process – and funds are paying analysts $200k/year and up to do it. \n\nOn top of this, fund managers lack insights into their portfolio company’s historic performance, areas of focus, and if they’re deviating from plan. Tracking this data down internally is often infeasible, so managers are left in the dark and their investments are put at risk.\n\n**👍Our solution**\n\nMetal accelerates fund workflows by integrating them with the advanced capabilities of LLMs. Here’s how:\n\n**1\\. Purpose built ingestion pipelines for financial documents.** Funds can upload documents and specify the values they want extracted from datasets. Metal does the heavy lifting from there.\n\n![uploaded image](/media/?type=post&id=77440&key=user_uploads/1212950/591aea10-3d61-4c10-be1f-4b47ea9f7930)\n\n**2\\. Diligence workflows rebuilt with generative AI.** Metal extracts relevant quotes, cites sources, browses the web and more when generating responses.\n\n![uploaded image](/media/?type=post&id=77440&key=user_uploads/1212950/71312968-12bc-4380-8b3e-4c37d8aadc8d)\n\n**3\\. Fully searchable portfolios.** We structure and make all fund data queryable – from memos to board decks to financials. Spot patterns across collections of data and query for deeper insights.\n\n![uploaded image](/media/?type=post&id=77440&key=user_uploads/1212950/29e0a3b7-250f-4071-9aad-30c7f54d7e83)\n\n**🙏 Asks**\n\nToday’s launch is an exciting first step, but we’ve got a lot planned for the next 6 months!\n\nWe are rolling out Metal on a per fund basis so we can dedicate more of our resources to each implementation – we’ll work side by side with your team to ensure success.\n\n**If you’re on a PE or VC deal team, or managing a fund** – here’s how you can reach us: [founders@getmetal.io](mailto:founders@getmetal.io) or [submit your info here](https://www.getmetal.io/contact)!\n\n🤘Taylor + James + Sergio🤘", "url": "https://www.ycombinator.com/launches/K92-metal-your-deal-team-assistant", "votes": 17, "created_at": "2024-01-11T18:57:23.238Z" }, { "id": 71084, "title": "Motörhead - LLM memory server built in Rust", "tagline": "Motörhead is an open-source memory and information retrieval server for LLMs.", "body": "## Overview\n\n[Motörhead](https://github.com/getmetal/motorhead) is an open-source memory and information retrieval server for LLMs. Built and supported by [Metal](https://getmetal.io/).\n\nAs LLM usage becomes more widely adopted, modern software products must handle users' LLM interactions, chat sessions, and retrieval for relevant prompting context at scale. With much of the performance cost being on the prompting to APIs like OpenAI and other LLMs, contextual data retrieval is ideally as fast as possible.\n\n## Features\n\n* 🪄 Modern strategies to stay within the prompt window\n* 💬 Chat session management out of the box\n* 🦜 [Langchain integration](https://python.langchain.com/en/latest/modules/memory/examples/motorhead_memory.html)\n* 🧠 Automatic Embedding generation via OpenAI ADA\n* 🕸️ Redis Vector DB forto utilize RedisSearch (semantic)\n* 💽 Short-term & long-term storage\n* 🔥 Built in Rust for performance\n\n## Roadmap\n\n* User Authentication\n* Knowledge Graph Memory handling\n* Additional support for other Embedding Models\n* [Create an issue!](https://github.com/getmetal/motorhead/issues)\n\n## Resources\n\n* Check out [Motörhead on Github](https://github.com/getmetal/motorhead)\n* Join the [Motörhead Discord](https://discord.gg/sxbFX5dsQY)\n* Suggest a [feature for Motörhead](https://github.com/getmetal/motorhead/issues)", "url": "https://www.ycombinator.com/launches/IUW-mot-rhead-llm-memory-server-built-in-rust", "votes": 19, "created_at": "2023-04-20T14:09:32.416Z" }, { "id": 69701, "title": "Metal: Helping developers easily implement machine learning embeddings", "tagline": "Embeddings as a service 🤘", "body": "tl;dr\n\n_Metal makes it easy for developers to implement machine learning embeddings. With embeddings, we help businesses create value from unstructured data like images, text documents, videos and more._\n\nHey everyone! We’re Taylor, James, and Sergio and we’re building [Metal.](https://www.getmetal.io/?utm_campaign=pre-launch&utm_medium=newsletter&utm_source=YC)\n\n![](https://lh4.googleusercontent.com/BAmRW6DjuFBKZwKTqlBZ3usUOyMeRtO_c34yip0WO65CQX-VCS3IeNXKPOE57AdV-HApI_CC0QjqVgurwEDxHJSDo9BxV5Pve7VXz20yulLPBNYbSKHQXqSxhLowmbYOUlQ7c3sln6lJ4eRTuVMRmL0)\n\n**What’s the problem?**\n\nEmbeddings are super powerful but they’re too hard to use. We learned this the hard way while building machine learning products at companies like Spotify and Meta. Getting to production for simple features (or so we thought) was incredibly painful.\n\nThe team would put weeks into offline training only for the data to be stale in production. It was difficult to iterate on models without versioning. Fine-tuning was highly inefficient. When we finally did get a model deployed there were immediate scaling concerns. It once took us 6 frustrating months to ship a simple embedding classification feature 🤦\n\nCompanies shouldn’t need to reinvent the wheel to use embeddings.\n\n**What’s the solution?**\n\nMetal gives you all the tools you need to quickly and easily implement embeddings against your data in production. \n\n* We integrate with your data sources\n* We generate and store your embeddings\n* We provide real time indexing and search APIs\n* We provide versioning\n* And we make it easier to fine tune embeddings via Metal’s API or SDKs\n\nYou can get started in as little as five minutes.\n\n![](https://lh5.googleusercontent.com/izlgcDfSdm-FgMwj8Cns-nsnN2GmkAuUtdsSCQKuLawBY0fcv3KZjgkjiwxa7yiOpbPOnNZs_uN9ERNmCS8ZVVP3IC-NY-qHBe1cuipof9D7JKskIn6FvN-BSuYULjJGJPb6xYyi3e47OUDZ2qm9c4U)\n\n![](https://lh4.googleusercontent.com/nOmwv8oD-qYgxa_m6enimIFMTirXP1olznsJv1UrojbT2lf69WdR0vxc2xLkX8TceIfAusPKPFopsM2vjXcGXIJMDMHQz9lgJhmxPr2qcOI3uS5_b7LI44k1HvaYeFSF2uGvHp1fpgMzuqVsU31sNaA)\n\n**Ok so it’s easy to use, but what about some real world use cases?**\n\n* Better personalization for your users through behavioral clustering\n* Search and compare similarities between data types, such as images or videos\n* Understand how your customers feel by classifying their free text reviews\n* Make the most of internal resources by supporting semantic search of text documents, PDFs, call notes and more\n\n**Our ask:**\n\n1. [**Sign up for early access**](https://www.getmetal.io/?utm_campaign=pre-launch&utm_medium=newsletter&utm_source=YC) and we will get in touch! [You can also book a time here to learn more](https://calendly.com/metal-taylor/metal-30-minutes-landing?utm_campaign=pre-launch&utm_medium=newsletter&utm_source=YC).\n2. **Introduce us to companies** who could use Metal. We mostly work with small to medium size companies (10-200 people) who have raised a series A. These companies have an embeddings use case but don’t want to spend the time/resources to build it from scratch.\n3. **Help us build the future** :) If you’re experienced with embeddings and want them to be simpler, then we’d love to hear from you. Please get in touch: [founders@getmetal.io](mailto:founders@getmetal.io)\n\nYou can also follow us on [Twitter](https://x.com/metal__ai) or [Linkedin](https://www.linkedin.com/company/getmetal?utm_campaign=pre-launch&utm_medium=newsletter&utm_source=YC) :) 🤘\n\nThank you!", "url": "https://www.ycombinator.com/launches/I8D-metal-helping-developers-easily-implement-machine-learning-embeddings", "votes": 179, "created_at": "2023-02-27T14:57:53.771Z" } ] }, { "id": 28382, "name": "Theya", "slug": "theya", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/57042ecd2926bcb4a43d14403b927a2ae844ffdc.png", "website": "https://www.theya.us/", "all_locations": "San Francisco, CA, USA", "long_description": "Theya is the world’s simplest Bitcoin self-custody app for users who find crypto exchanges risky and hardware wallets overwhelming. We are making the self-custody UX seamless with our multi-sig wallet that users can set up using smartphones, giving them the functionality and convenience of centralized exchanges without sacrificing control and security of hardware wallets.\r\n\r\nWe aim to be the default consumer app for Bitcoin - offering products like accumulation, lending, investments and payments - all built on top of our intuitive self-custody platform.", "one_liner": "The world's simplest Bitcoin self-custody solution", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1678296107, "tags": [ "Fintech", "Crypto / Web3", "Consumer", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.\n", "answer": "Multi-sig, self-custodial Bitcoin private banking" } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/theya", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/theya.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/theya-us", "x_url": "https://twitter.com/theya_inc", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/57042ecd2926bcb4a43d14403b927a2ae844ffdc.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 1000007, "full_name": "Vikas Choudhary", "title": "Founder", "founder_bio": "Co-founder/CTO at Theya - building a self-custodial bitcoin private bank. Previously co-founder/CTO at Porter (marketplace for trucking - >$230M revenue; backed by Sequoia Capital, Tiger Global)", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/vikasch90/", "x_url": "https://twitter.com/vikasch", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dce5903794c3ee0cd29c4c687022b696126ebcb0.jpg" }, { "user_id": 1235724, "full_name": "Smeet Bhatt", "title": "Founder", "founder_bio": "Smeet has background as a tech entrepreneur and investor. Previously, he led marketing and GTM at a YC S18 enterprise software company, Prodigal (Sr A: Accel, Menlo, YC). Smeet was also an investor with IDG Ventures and co-founded Chymera (mobile VR ad-network).\n\nSmeet studied Civil Engineering and Physics at IIT Bombay and has experience trading global macro (equities, bonds, FX, commodities) and growth tech investing for over 8 years. He also believes that Bitcoin is not a choice.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/smeetbhatt/", "x_url": "https://twitter.com/smeet_bhatt", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/42a4aa089e96d1507f1490f9f8430902e7d5ea68.jpg" }, { "user_id": 271471, "full_name": "Sriram Bhargav Karnati", "title": "Founder/CTO", "founder_bio": "Previously co-founder / CTO @ Theya (W23). Now I do AI stuff @ Fireworks AI", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/srirambhargav", "x_url": "https://twitter.com/_sriramk_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b35f5724779bab859262ab6ef7ae0ba549453032.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 89374, "title": "Theya for Business – The Bitcoin Operating System for Organizations", "tagline": "Secure, scalable bitcoin management for treasury, payments, and team operations", "body": "**tl;dr:** We built Theya for Business so any organization using Bitcoin—whether you're 2 or 2,000 people—can securely manage bitcoin across teams, departments, and entities without relying on custodians.\\\n\\\nManage Bitcoin, create collaborative vaults, make payments, assign access roles, track transactions, and streamline reconciliation—all from one clean dashboard.\n\n![uploaded image](/media/?type=post&id=89374&key=user_uploads/271471/b652e58d-6a72-4b48-aeb6-e0f3d518422c)\n\n**No custodians. No hardware required. No technical experience needed.**\n\n\n\n---\n\n### Why This Matters\n\nManaging bitcoin in a team setting is hard:\n\n* Single-key wallets = single points of failure\n* Custodians = counterparty risk\n* DIY multisig = technical, fragmented, and hard to scale\n\nWe’ve seen finance and ops teams struggle to manage holdings, delegate access, and reconcile activity—securely and collaboratively.\\\n**Theya for Business solves this with a purpose-built, modular platform that scales with your org.**\n\n---\n\n### What You Can Do with Theya\n\n✅ **Collaborative Vaults**\\\n2-of-3 multisig setup—distribute keys and approve transactions across your team.\n\n✅ **Scalable Infrastructure**\\\nCreate vaults for departments, partners, or individual employees—all under one roof.\n\n✅ **Effortless Access Control**\\\nAssign signer roles, onboard your finance team, and rotate access without any engineering overhead.\n\n✅ **Transaction Visibility & Reconciliation**\\\nTrack balances, activity, and approvals from a single dashboard—ideal for ops, accounting, and compliance.\n\n✅ **Modular Setup**\\\nUse single-key for payments, multisig for core holdings. Theya supports both.\n\n---\n\n### Who It’s For\n\n* Bitcoin-native companies\n* Funds, family offices, and exchanges\n* Any organization managing bitcoin across teams, wallets, or jurisdictions\n\n---\n\n### What’s Next\n\n* Built-in bitcoin purchases\n* Automated payroll & bonuses in BTC\n* Credit lines against your bitcoin\n* Advanced finance & compliance dashboards\n\n---\n\n### Why Now\n\nBitcoin is gaining traction with organizations, but the infrastructure hasn’t kept up. Most custody options are built for individuals or require trust in third parties.\n\n**Theya offers a new model: collaborative, self-custodial, and built for scale.**\n\n---\n\n### Try It Today\n\nTheya for Business is live and available globally — [business.theya.us](https://business.theya.us)", "url": "https://www.ycombinator.com/launches/NFW-theya-for-business-the-bitcoin-operating-system-for-organizations", "votes": 12, "created_at": "2025-04-10T13:39:56.679Z" }, { "id": 70576, "title": "Theya: World's simplest Bitcoin multi-sig, self-custody app", "tagline": "We are building the default consumer app for Bitcoin - offering products like accumulation, lending, investments and payments - all built on top of our intuitive self-custody platform.", "body": "### **Tl:dr**\n\nTheya is the world’s simplest Bitcoin self-custody app for whole-coiners (users with >1BTC) who find crypto exchanges risky and hardware wallets overwhelming. We simplify the self-custody UX through our multi-device, multi-sig wallet that users can set up using smartphones, giving you the functionality and convenience of centralized exchanges without sacrificing control and security of hardware wallets.\n\n### **Team**\n\nVikas, Sriram and Smeet have extensive background in founding and scaling tech companies and crypto platforms over the past 10 years. Founders have been friends for over 15 years.\n\n![uploaded image](/media/?type=post&id=70576&key=user_uploads/1235724/1abfbd7f-b023-47b1-8c54-ddf9bd32371f)\n\nVikas was previously the co-founder and CTO of Porter, India’s largest intra-city logistics marketplace that does over $220M in annual revenue. He raised over $150M from Sequoia Capital and Tiger Global during his 7 years at Porter. While studying at Stanford, Vikas founded an ML-driven real estate fund that has invested over $30M.\n\nSriram has led crypto engineering teams at Robinhood, FalconX and GameStop Blockchain. He built crypto custody infra and led the development of self-custody wallets for Robinhood and GameStop. He started his career at Google and has over 10 years of experience building consumer apps. Sriram graduated with Bachelors in Computer Science from IIT Bombay.\n\nSmeet has led marketing and go-to-market teams at multiple early-stage startups. Prior to Theya, he was the first business hire at Prodigal (YC S18). He started his career at Deutsche Bank and has 8+ years of experience trading macro assets like FX, Bonds, Equities and believes that long Bitcoin is the most important trade of the 2020s.\n\n### **Problem:**\n\nThe protection of your wealth and trust is paramount, which is why we exist. The reality is that centralized crypto platforms like FTX, Celsius, and Voyager have failed to ensure the safety of their users' Bitcoin. More recently, there are renewed concerns about Binance.\n\nAs the saying goes, **\"not your keys, not your Bitcoin\"** and this is more true now than ever before. Every user who stores Bitcoin on popular crypto exchanges faces severe counterparty risks, including:\n\n**Credit Risk:** If your crypto exchange was to go bankrupt (like FTX) or suffer a catastrophic event, your Bitcoin stored there is certainly at risk.\n\n**Regulatory Risk:** Any change in laws or regulations, crypto exchanges may be forced to freeze or confiscate your Bitcoin.\n\n**Cybersecurity Risk:** While centralized exchanges invest in security measures, they are prime targets for cyber attacks. Successful hackers can steal users’ Bitcoin from hot wallets.\n\nSelf-custody hardware wallets are a solution, but they come with their own set of challenges. They have a messy user experience, and users are responsible for managing their own setup, security, and backup keys. Furthermore, they represent a single point of failure. These risks make it crucial to prioritize the protection of your Bitcoin, and we are here to help you do just that.\n\n### **Solution:**\n\nOur multisig wallet is like a digital safe where you need multiple keys to unlock it. For example, our 2-of-3 multi-sig wallet requires two out of three keys to approve a transaction before the Bitcoin can be spent.\n\nCustomers will always hold the two keys necessary to approve transactions. Theya holds the third key that can only be used for recovery if you misplace one of your keys, but it can never be used to transfer funds on its own.\n\nTheya is simplifying the self-custody experience through a mobile-first multisig wallet that families can set up using iPhones and Apple Watches. We also support other devices such as NFC cards, hardware wallets, and more that can be used as your additional keys if desired. We make your Bitcoin resilient to phishing and hacking and you retain control of your Bitcoin wealth even if we fail without notice.\n\n### **Ask**\n\n1. If you currently hold Bitcoin on centralized exchanges like Coinbase, Binance, Robinhood, Kraken, Gemini etc. you should definitely consider taking self-custody. Hit us up for a free trial to the simplest Bitcoin self-custody app ever.\n2. Reach out if you are curious to learn about Theya, Bitcoin and the ongoing global banking crisis, feel free to reach out.", "url": "https://www.ycombinator.com/launches/IMK-theya-world-s-simplest-bitcoin-multi-sig-self-custody-app", "votes": 46, "created_at": "2023-03-28T03:24:42.591Z" } ] }, { "id": 28786, "name": "Accend", "slug": "accend", "former_names": [ "Accend Technology, Inc" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/31a4d8ba6cbc31b7799b329fce2d820cfe3ca234.png", "website": "https://www.withaccend.com/", "all_locations": "", "long_description": "Accend helps commercial banks and fintechs underwrite business customers faster, win more deals and increase revenue. We provide an end-to-end platform to automate document intake, financial statement / tax spreading, cash flow modeling, credit memos and portfolio management, with audit-ready AI and human-in-the-loop accuracy. Companies like Corpay, Brex, Rippling, Rho, Column, Settle, and many others have reduced application processing time by 80% with Accend, significantly enhancing their credit underwriting efficiency\r\n\r\nBefore starting Accend, the founders led Product & Engineering on the Risk team at Brex as well as at Deutsche Bank and Credit Suisse so they have firsthand experienced issues with operational efficiency in credit/underwriting teams. Accend has raised a $3.2M seed round from Y Combinator, Adverb Ventures, General Catalyst and 645 Ventures.", "one_liner": "AI agents for commercial underwriting at banks and fintechs", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1691559472, "tags": [ "Fintech", "Generative AI", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/accend", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/accend.json", "year_founded": 2023, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/withaccend", "x_url": "https://x.com/withaccend", "fb_url": null, "cb_url": null, "github_url": "https://github.com/accendhq", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/31a4d8ba6cbc31b7799b329fce2d820cfe3ca234.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 225420, "full_name": "Pranjal Daga", "title": "Founder", "founder_bio": "Currently, Cofounder of Accend. Previously, I led Product for AI initiatives, particularly in Risk at Brex. Before that, I dropped out of my PhD in AI/ML at Purdue University to help set up Cisco Innovation Labs where I grew the team from 1 to 35 in 4 years. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/pranjaldaga", "x_url": "https://twitter.com/pranjaldaga1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5fbaed00548bb20d13e534a6e7c326bc083bbc4d.jpg" }, { "user_id": 290, "full_name": "Yutong Pei", "title": "Founder", "founder_bio": "Yutong Pei was most recently the Engineering Manager on the Fraud Risk team at Brex where he built the Disputes service, worked on fraud controls by managing engineers and data scientists. Previously, he has led Fraud Engineering and Security for IoTeX, Uber and Amazon.", "is_active": true, "linkedin_url": "https://linkedin.com/in/yutong-pei-81006842", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f223f8a49349d20972ce7cb0c3c3d7b58a55eda0.jpg" }, { "user_id": 1375156, "full_name": "Joseph Zhou", "title": "Founder", "founder_bio": "I'm one of the Co-Founders of Accend. Previously, I served as the CFO of a mobile gaming startup with a 50M ARR. I established the company’s operation in Europe and scaled the team from 0 to 80 members.", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ae93e421d85c56c052a060a85eb805cb79834c5a.jpg" } ], "jobs": [ { "id": 69182, "title": "Full Stack Engineer", "url": "https://www.ycombinator.com/companies/accend/jobs/XxGbYZN-full-stack-engineer", "location": "San Francisco, CA, US / Remote (San Francisco, CA, US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $180K", "equity_range": "", "experience": "1+ years", "visa": "Will sponsor", "skills": [ "Java", "Python", "React", "TypeScript", "TensorFlow", "Torch/PyTorch" ] }, { "id": 90944, "title": "Founding GTM (Account Executive)", "url": "https://www.ycombinator.com/companies/accend/jobs/d6ggx1f-founding-gtm-account-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$65K - $120K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 99081, "title": "Accend For Banking", "tagline": "AI Infrastructure for End-to-End Credit Underwriting in Commercial Banks", "body": "```\nIntroduction\n```\n\nAccend for Banking is AI infrastructure that helps banks turn financial documents into structured financial models and credit insights — from hours to minutes.\n\nBuilt for commercial banks and CRE lenders, it sits inside existing credit workflows and removes the most manual parts of underwriting, so banks can move faster and win more deals.\n\n\n\n---\n\n```\nThe Problem\n```\n\nCredit underwriting in banks is slow because it still relies on legacy systems and outdated tools that haven’t evolved in decades.\n\nAcross most banks today:\n\n* Financial documents are collected across emails, portals, and shared drives\n* Borrowers upload tax returns, financials, and supporting documents across fragmented systems\n* Data is manually extracted and spread into Excel\n* Financial models are rebuilt repeatedly for each case\n* Credit memos are written from scratch every time\n* Monitoring and covenant tracking happen separately\n\nThese workflows are:\n\n* Fragmented across systems\n* Manual and time-intensive\n* Difficult to scale without adding headcount\n* Prone to inconsistencies and errors\n\nEven as lending demand has increased, the infrastructure supporting underwriting has remained largely unchanged for decades.\n\n---\n\n```\nWhat This Means for Banks\n```\n\nThe impact of these workflows goes beyond operations — it directly affects people, speed, and business outcomes.\n\n* Analysts spend hours on data preparation instead of credit decisions\n* Turnaround times slow down lending and delay decisions\n* Banks lose deals to faster competitors\n* Productivity is lost across the workflow due to repeated manual effort\n* Scaling requires adding headcount instead of improving systems\n\nAt a time when speed matters more than ever, these constraints make it harder for banks to compete.\n\n---\n\n```\nHow Accend Helps\n```\n\nAccend brings these fragmented steps into a single, structured workflow.\n\nWith Accend:\n\n* Borrowers upload tax and financial documents through a single secure link or connect their accounting systems\n* Automated requests and reminders keep document collection moving\n* Financial documents are parsed into structured, audit-ready data in minutes\n* Detailed schedules and supporting statements are captured with high accuracy\n* Property-level data (e.g., Schedule E, Form 8825) is broken down with full visibility\n* Cash flow models are generated instantly and mapped consistently\n* Credit insights and memos are built on top of structured data\n\nThis means:\n\n* Analysts spend time on credit decisions, not data preparation\n* Turnaround times shrink from hours to minutes\n* Teams can handle more volume without increasing headcount\n* Outputs remain consistent across deals\n\n---\n\n```\nHow Accend Works\n```\n\nAccend integrates into your existing credit workflow and processes each case end-to-end:\n\n**1. Document Intake**\n\nSend a secure link to borrowers to upload tax and financial documents, or connect directly to accounting systems. Automated requests and reminders ensure completeness.\n\n**2. Data Extraction & Structuring**\n\nAccend parses full tax packages in minutes — including 1040s, 1065s, 1120s, 1120-S, and supporting schedules — and converts them into structured, audit-ready data with source traceability.\n\n**3. Detailed Financial Spreading**\n\nFinancials are standardized across income statements, balance sheets, and cash flows. Supporting statements and add-backs are surfaced automatically.\n\n**4. Modeling & Analysis**\n\nData maps instantly into cash flow models. Teams can drill into sources, override values, run ratios, and leave notes — with every change tracked.\n\n**5. Configurable Financial Models**\n\nModels are configured to your bank’s policies — personal, business, global — ensuring consistency across teams while supporting complex analysis.\n\n**6. Monitoring & Covenant Tracking**\n\nOnce underwriting is complete, covenants are tracked automatically with scheduled tests, due dates, and alerts.\n\n---\n\n```\nGet Started\n```\n\nIf you work in credit, underwriting, risk, or lending operations, Accend helps you modernize your workflow without replacing your systems.\n\n[Schedule a call with Pranjal](https://calendly.com/pranjal-accend/30min), our co-founder, to learn more.\n\nOr explore Accend for Banking → ", "url": "https://www.ycombinator.com/launches/Pm5-accend-for-banking", "votes": 6, "created_at": "2026-03-25T15:22:34.058Z" }, { "id": 91587, "title": "Accend 2.0: The Future of Credit Underwriting", "tagline": "Accend helps banks and fintechs collect, spread and analyze financial data for faster and more accurate underwriting using human-in-the-loop AI agents", "body": "Today we’re launching **Accend 2.0** — our most ambitious release yet, designed to help financial institutions modernize how they **collect**, **spread**, and **analyze** financial data for underwriting.\n\nOur goal is simple: make underwriting radically faster, more accurate, and effortless for credit teams at banks and fintechs.\n\nhttps://youtu.be/YT6u7ahsSJE\n\n```\n🧨 The Problem\n```\n\nUnderwriting commercial credit still relies on slow, manual workflows — especially when it comes to handling borrower financials.\n\nCredit teams spend days:\n\n* Chasing borrowers for PDFs, Excel files, and accounting access\n* Manually spreading financials into internal formats\n* Creating credit memos from scratch\n* Spotting anomalies by gut feel or Excel checks\n\nThis workflow is not just inefficient — it introduces real risk. Missed red flags, errors in classification, or simply moving too slowly can result in bad loans or lost deals.\n\n```\n🧑‍💻 Who Faces This Problem?\n```\n\nThis problem is felt most acutely by:\n\n* **Fintech lenders** scaling underwriting ops\n* **Banks modernizing** legacy credit infrastructure\n* **Credit risk and underwriting teams** who are overloaded and under-automated\n\n```\n💡 Our Solution: Accend 2.0\n```\n\nWith Accend 2.0, lenders get a single platform to do the following:\n\n## **1. Frictionless Financial Data Collection with Accend Link**\n\nCollecting financials from borrowers is where friction often begins. That’s why we’re launching **Accend Link** — a borrower-facing portal that streamlines data collection from day one.\n\nBorrowers can:\n\n* **Link accounting software directly** — like QuickBooks, Xero, or NetSuite\n* **Or simply upload financials manually** — PDFs, Excel, whatever works for them\n\n🧘‍♂️ No more chasing documents.\\\n🔄 No more back-and-forth.\\\n📁 Just clean, accurate data — in the format you need.\n\n---\n\n## **2. Deep, Accurate, and Customizable Financial Spreading**\n\nOnce the data is in, Accend gets to work.\n\n* **AI-powered line-item classification**\n* **Ratio calculation and benchmarking** against industry standards\n* **Full analyst control** — reclassify line items on the fly and build custom ratios tailored to your credit policy\n\n📋 No spreadsheets. No version control nightmares. Just clarity.\n\n---\n\n## **3. Next-Gen Credit Memos, Built in Minutes**\n\nThis is where Accend 2.0 truly shines.\n\nWe automatically generate **credit memos** that combine:\n\n* 📄 **Business model summaries**\n* 📰 **Real-time financial news**\n* 📊 **Financial health analysis** powered by ratio performance\n\nIt's like having your smartest analyst prepare every memo — in minutes, not days.\n\nYour team gets faster turnaround times and deeper insights — without lifting a finger.\n\n---\n\n## **4. Proactively Flag Risk with Case Signals**\n\nWe’re also launching **Case Signals**, a feature that catches issues before they become problems.\n\nWith over a dozen automated checks — including:\n\n* Reconciliation mismatches\n* Volatility spikes\n* Abnormal ratio patterns\n\nAccend flags anomalies the moment they appear — so your team can act fast and stay ahead of credit risk.\n\n```\n📞 Ready to Modernize Your Underwriting Stack?\n```\n\nIf you’re a lender, bank, or fintech working on credit workflows — we’d love to show you how Accend 2.0 can supercharge your underwriting. See it in action live [HERE](https://www.accend.io).\n\nOr reach out to me directly at [**pranjal@withaccend.com**](mailto:pranjal@withaccend.com) to discuss anything AI x Credit Underwriting. Happy to help.", "url": "https://www.ycombinator.com/launches/NpD-accend-2-0-the-future-of-credit-underwriting", "votes": 6, "created_at": "2025-06-24T16:42:02.932Z" }, { "id": 88404, "title": "Accend - AI Credit Analyst For Business Underwriting", "tagline": "Human-in-the-loop AI Agents for Financial Statement Analysis", "body": "**TL;DR:** Accend is launching a new financial statement spreading and analysis, guaranteeing 100% accuracy powered by AI and human-in-the-loop review, saving time and costs.\n\n# **Why We're Building This?**\n\nCredit teams today face a massive problem: underwriting processes remain largely manual, painfully slow, and prone to costly errors. Across financial institutions, analysts spend hours manually spreading and analyzing financial statements, slowing down approvals and inflating operational costs. This isn’t just a minor inconvenience; it's a billion-dollar inefficiency affecting banks, fintechs, insurers and lenders globally.\n\nWe knew there had to be a better way—one where accuracy meets speed.\n\n# **Introducing Accend's Financial Statement Spreading & Analysis Solution**\n\n\n\nWe are expanding Accend into Credit Analysis, starting with financial statement spreading. \n\n✔️ **AI does the heavy lifting**—spreading financials with high accuracy and generating credit memos quickly.\\\n✔️ **Human-in-the-loop**—to complement our AI analysis so you get 100% accuracy, guaranteed.\\\n✔️ **Your underwriting team moves 10x faster**—reducing costs, errors, and approval times.\n\n# **Customer Spotlight**\n\nRussell Gu, Head of Credit Risk at Slope, shares his experience:\n\n> Accend offers the best solution for data-driven credit teams looking to maximize insights from financial documents. Their API solution and onshore time zone support accelerate financial review more than 4x.\n\n# **Who is Accend for?**\n\nAccend is purpose-built for credit leaders who demand excellence: underwriting teams at financial institutions committed to driving efficiency and precision across their credit operations.\n\n# **Why It Matters?**\n\nAccend delivers measurable ROI from day one:\n\n* **100% Accuracy:** Highly accurate AI coupled with expert human in the loop analysis – every spread is reviewed and validated by expert eyes.\n* **Rapid Approvals:** Reduce your application processing times by up to 80%, accelerating credit decisions.\n* **Cost Efficiency:** Dramatically lower your cost-to-serve by automating routine tasks.\n* **AI-Powered Credit Analysis:** Generate credit memos up to 10x faster, enabling teams to focus on high-value activities.\n\n![uploaded image](/media/?type=post&id=88404&key=user_uploads/225420/00a68be6-db43-4660-85b0-68c6d7b864da)\n\n# **Ready to Experience Accend?**\n\nTo celebrate our launch, we're offering your **first financial spread and analysis completely FREE**. Email us at [pranjal@withaccend.com](mailto:pranjal@withaccend.com) or [Schedule a call](https://calendly.com/pranjal-accend/30min-demo) to experience firsthand how Accend can revolutionize your credit processes.\\\n\\\nYou can also read this story on our company blog [here.](https://www.withaccend.com/blog/accend-launches-ai-credit-analyst-faster-underwriting-human-verified-accuracy)", "url": "https://www.ycombinator.com/launches/Mzs-accend-ai-credit-analyst-for-business-underwriting", "votes": 7, "created_at": "2025-03-10T15:50:04.217Z" }, { "id": 73980, "title": "Accend: Accelerate manual reviews for Fintech Ops & Compliance teams", "tagline": "Improve Ops Efficiency & Quality + Excel in Compliance with Accend", "body": "**TL;DR**\n\nAccend accelerates manual reviews and automatically generates regulatory reports for Ops & Compliance teams.\n\nB2B Fintechs and BaaS providers utilize Accend to save hours per manual process, such as KYB applications, Disputes, Transaction Monitoring, etc. \n\nIf you work in **Ops & Compliance at fintechs, we’d love to chat with you**. Please reach out at [**founders@withaccend.com**](mailto:founders@withaccend.com)\n\n![uploaded image](/media/?type=post&id=73980&key=user_uploads/225420/7582fece-a662-4123-b052-645eadcf2166)\n\n```\nHow we know this is a problem?\n```\n\nWhen we led Product & Engineering on Risk at Brex, we collaborated with Ops & Compliance teams on a daily basis. For Ops, one of the biggest pain points was declining Ops efficiency + quality of output. For Compliance, it was maintaining healthy relationships with banking partners and regulators. The reasons behind that were:\n\n1. **Complex Processes:** Expanding customer base led to complex reviews due to diverse profiles and services, complicating the process. Moreover, manual reviews are prone to errors and inefficiencies due to overwhelming data verification tasks.\n2. **Regulatory Compliance Burden:** Adhering to changing regulations in compliance (esp in KYC) required meticulous attention to detail, slowing down reviews.\n3. **Scaling via Outsourced Ops Teams:** We noticed a skills gap in outsourced teams regarding regulations and fintech processes, impacting review quality. Training them for consistency took significant time and investment.\n4. **Time-Consuming Regulatory Reports:** Creating detailed regulatory reports like Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) demanded significant time, complicated by language and cultural challenges, subsequently influencing the clarity and level of detail.\n\nThis posed \n\n1. **Business Risk** - suboptimal customer experience at the time of onboarding and worse, rejection of a legitimate customer, thereby losing revenue. \n2. **Compliance Risk** - hefty penalties (eg: Coinbase’s $100M fine), legal consequences, significant damage to the company's reputation, and even the potential loss of banking partnerships (existential crisis alert!).\n\nWe realized _Brex wasn’t the only fintech dealing with such risks tied to manual reviews_, and we started Accend to tackle these challenges head-on.\n\n```\nOur Solution \n```\n\nOur first use case is accelerating KYB manual reviews. It includes the following features:\n\n![uploaded image](/media/?type=post&id=73980&key=user_uploads/225420/324bc297-c392-4209-af77-19146a90b3e3)\n\n**Guided Review Workflow:** Accend simplifies the KYC procedure by converting the Standard Operating Procedure into a user-friendly, step-by-step guided review process for both internal and external Operations professionals.\n\n**Streamlined Online Research:** Instead of juggling numerous browser tabs to validate information about the business and its beneficial owners/controllers, Accend consolidates data through comprehensive web searches, presenting a summary for validation by Ops professionals.\n\n**Automated Due Diligence Reports:** Traditionally, crafting a CDD/EDD report can take up to 2 hours. Accend automates this process, generating high-quality narrative reports in the company's required template, thus saving valuable Operations time on a daily basis.\n\n**Audit Logs:** Accend establishes an audit trail for actions taken by Operations professionals and the automated processes during KYC manual reviews. This eliminates the need to scour various sources, extract logs, and document them, streamlining the auditing process\n\n```\nWhy Accend?\n```\n\nWith Accend, Fintechs can\n\n* Improve Ops’ quality of output with consistent procedures\n* Increase Ops’ efficiency with automation\n* Reduce cost in managing Ops teams \n* Maintain healthy relationships with banking partners and regulators\n\n```\nWho are we?\n```\n\n[Pranjal Daga](https://www.linkedin.com/in/pranjaldaga/) was most recently the Product Manager on the Risk team at Brex where he reduced fraud losses by $20M and worked on disputes, declines, login friction, etc. Before that, he dropped out of his PhD in AI/ML at Purdue University to help set up Cisco Innovation Labs where he grew the team from 1 to 35 in 4 years.\n\n[Yutong Pei](https://www.linkedin.com/in/yutong-pei-81006842/) was most recently the Engineering Manager on the Fraud Risk team at Brex where he built the Disputes service, and worked on fraud controls by managing engineers and data scientists. Previously, he has led Fraud Engineering and Security for IoTeX, Uber, and Amazon. \n\n[Joseph Zhou](https://www.linkedin.com/in/joseph-tianshi-zhou/) was most recently the CFO of a mobile gaming startup based in Singapore with a 50M ARR. He established the company’s licensed poker operation in Europe and scaled the team from 0 to 80 members, while also managing KYC, AML, compliance, responsible gaming, and fraud prevention.\n\n```\nOur ask \n```\n\nWe’re looking to connect with Ops & Compliance leaders at B2B Fintechs and BaaS providers to explore how Accend can help them improve Ops efficiency & quality and excel on compliance.\n\n```\nLaunch YC Promo\n```\n\nWe’re offering 60 days of free pilot for new customers through the end of August. \n\nWe will work with you regularly to learn about your process, create customized guided review workflows for your company and support you in every way while you’re using Accend.\n\n**Check us out at **[**https://www.withaccend.com/**](https://www.withaccend.com/)**, drop me a note at **[**pranjal@withaccend.com**](mailto:pranjal@withaccend.com)**, or **[**schedule a demo**](https://calendly.com/pranjal-accend/accend-design-partner-program)** to get started.**\n\nThank you 🙏", "url": "https://www.ycombinator.com/launches/JFE-accend-accelerate-manual-reviews-for-fintech-ops-compliance-teams", "votes": 57, "created_at": "2023-08-09T22:21:19.072Z" } ] }, { "id": 28805, "name": "Diligent", "slug": "diligent", "former_names": [ "Paylane" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/306eaffa9ae52c97e7f7fd8c9161b13409115596.png", "website": "https://godiligent.ai", "all_locations": "London, England, United Kingdom", "long_description": "We help fintech risk and AML compliance teams automate and strengthen routine customer due diligence tasks with LLMs. Our AI assistants slash cost-to-comply, improve risk detection and free up capacity for investigations that require human expertise and decision making. \r\n\r\nFintechs and banks use us to automate workflows like running thorough due diligence on a legal entity, reviewing customer documents like registry extracts, proofs of address etc and remediating false positive alerts from their AML systems.", "one_liner": "AI agents for fintech risk and compliance operations", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1706799734, "tags": [ "Fintech", "Compliance", "Fraud Prevention", "Regtech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/diligent", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/diligent.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/godiligentai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/306eaffa9ae52c97e7f7fd8c9161b13409115596.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 727896, "full_name": "Edoardo Maschio", "title": "Founder", "founder_bio": "I was an investment associate and chief of staff @ Rocket Internet early-stage team. Incubated and invested multiple ventures with the fintech team. Previously worked as Junior associate @ Boston Consulting Group.", "is_active": true, "linkedin_url": "https://linkedin.com/in/edoardo-maschio-704", "x_url": "https://twitter.com/edoardo_maschio", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9bbf7e727118cc2a9f7e7adc6464f082dd00183c.jpg" }, { "user_id": 1349429, "full_name": "Ahmed Gaber", "title": "Founder", "founder_bio": "I'm Co-founder and CTO at Diligent and I worked in Fintech for more than a decade.\nMost recently I was VP of engineering at Billie (Europe’s largest B2B BNPL) and led multiple engineering teams on various domains: business identification, fraud, credit, and AML risk. Previously I was a technical PM and software engineer at Funding Circle.", "is_active": true, "linkedin_url": "https://linkedin.com/in/ahmedsamygaber", "x_url": "https://twitter.com/i_sico", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f4c14ea6e2cf457d53acf7f0319eb38169b7b74b.jpg" } ], "jobs": [ { "id": 85419, "title": "Founding ML engineer", "url": "https://www.ycombinator.com/companies/diligent/jobs/qq2XJ61-founding-ml-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "£75K - £90K GBP", "equity_range": "0.50% - 1.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 98850, "title": "Go-To-Market associate", "url": "https://www.ycombinator.com/companies/diligent/jobs/b4JjjoO-go-to-market-associate", "location": "London, England, GB", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$50 - $60", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Diligent AI Raises $2.5M to Empower KYC and Anti-Money-Laundering teams with AI Agents", "url": "https://www.godiligent.ai/post/diligent-ai-raises-2-5m-to-empower-kyc-and-anti-money-laundering-teams-with-ai-agents", "date": "Mar 04, 2026" } ], "launches": [ { "id": 96132, "title": "Diligent - Automate Sanction/PEP/Adverse Media alert reviews", "tagline": "KYC/AML teams use Diligent AI to reduce by 50% the time spent on AML alert handling", "body": "# **TL;DR**\n\nDiligent helps KYC/AML teams at fintechs and banks **automate the review of Sanctions / PEP / Adverse Media alerts** from their screening providers.\n\nThe agent, natively integrated with the world’s most popular AML screening providers (e.g., LexisNexis, WorldCheck, Dow Jones, etc.), reduces alert-handling time by over 50%. Trusted daily by **S&P 500 firms and global banks.**\n\nIf you’re a regulated financial institution… get in touch at [**founders@godiligent.ai**](mailto:founders@godiligent.ai).\n\n# **THE PROBLEM**\n\nSanctions, PEP, and Adverse Media screening is one of the most painful bottlenecks in KYC/AML operations. Every customer you onboard must be screened, and so must the counterparties of their transactions, to ensure no money flows to bad actors.\n\nScreening systems are essential for fighting financial crime, but they also generate a **huge volume of false positives**, especially for common names, transliterations, and partial matches. This pulls resources away from true investigations and forces analysts into repetitive work every day.\n\n# **THE SOLUTION**\n\nhttps://youtu.be/IMGAFRPFpM0\n\nWe built an **AML Screening AI Agent**: an AI agent that automatically investigates screening alerts and produces a final decision with a clear audit trail.\n\nIt works natively with all major screening providers (LexisNexis, WorldCheck, Dow Jones, etc.). Think of it as a new employee added to your account, no engineering effort required.\n\nIt opens every alert, reads hit details and articles, searches the web and other sources to enrich missing information, and recommends a disposition based on your own decisioning policy, with structured reasoning.\n\n**Result:** 40-70%+ reduction in alert-handling time, more consistent decisions, and a cleaner backlog.\n\n# **THE TEAM**\n\nWe’re [**Edo**](https://www.linkedin.com/in/edoardo-maschio-704/), [**Ahmed**](https://www.linkedin.com/in/ahmedsamygaber/?originalSubdomain=uk) and [**Chris**](https://www.linkedin.com/in/chris-leow-59856849/).\n\nAhmed led multiple teams as VP Engineering at Billie (Europe’s largest B2B BNPL), across business identification, fraud, credit, and AML risk. Previously he was a technical PM and software engineer at Funding Circle.\n\nEdo worked as an Investment Associate and Chief of Staff at Rocket Internet’s early-stage investment team and was previously a Junior Associate at Boston Consulting Group.\n\nChris was the founding member and 10yrs veteran of ComplyAdvantage - one of the world leading Anti-Money-Laundering software solutions and screening provider. He worked on their entity resolution and transaction monitoring capabilities.\n\n# **OUR ASK**\n\nIf you are a fintech or bank interested in exploring how AI agents can streamline your AML operations, or you know teams that might be interested, get in touch at [**founders@godiligent.ai**](mailto:founders@godiligent.ai) or find time to chat [**here**](https://cal.com/edoardo-maschio).\n\n\\\nYou can be up and running in a day!", "url": "https://www.ycombinator.com/launches/P0W-diligent-automate-sanction-pep-adverse-media-alert-reviews", "votes": 20, "created_at": "2025-12-11T17:43:50.529Z" }, { "id": 78512, "title": "Diligent - GenAI assistant for KYC/AML compliance operations", "tagline": "We help AML compliance teams automate routine customer due diligence tasks with Large Language Models", "body": "### **TL;DR**\n\n[**Diligent**](https://www.godiligent.ai/) **helps fintech risk and AML compliance teams automate and strengthen customer due diligence with Generative AI.**\n\nFintechs and banks use us to automate tasks like running thorough due diligence on a legal entity, reviewing customer documents (e.g. certificates of incorporation, proofs of address etc) and remediating false positive alerts from AML systems.\n\nIf you’re a fintech or bank… get in touch at [founders@godiligent.ai.](mailto:founders@godiligent.ai)\n\n### **THE PROBLEM:**\n\n**Fraud and Anti Money Laundering (AML) controls** are key parts of the fintech and banking industry but generate significant back office workload. It's 2024 and **most of the work still involves human analysts running repetitive tasks** which are costly, error prone and take time away from real investigations that can move the needle for fincrime prevention and require expertise.\n\nThese manual tasks can include things like…\n\n* checking online presence to verify the legitimacy and nature of business of a customer\n* reviewing documents like registry extracts, proofs of address and bank statements to comply with onboarding requirements\n* sitting through thousands of false positive alerts from AML systems\n\n### **THE SOLUTION:**\n\nDiligent builds **AI assistants designed to automate routine tasks**, slashing cost-to-comply, strengthening risk detection and freeing up capacity for investigations that require human expertise and decision making.\n\nOur AI assistants follow your workflow policies, integrate with existing systems and output risk intelligence or reports with a clear audit trail.\n\n![uploaded image](/media/?type=post&id=78512&key=user_uploads/727896/7970904a-f049-42f7-91fe-3b0fc3400c50)\n\n**We built 3 AI assistant archetypes**\n\n* ⚠️ _Risk assistant:_ Investigates holistically the risk and nature of business of customers and transaction counterparties. E.g. is the legal information declared verified? what does this company actually do? do website and address look suspicious? what's the online reputation on socials, reviews etc?\n* 🔍 _Screening assistant:_ Investigates automatically alerts from screening systems and slashes time spent remediating false positives on Sanctions/PEP/Adverse Media\n* 📝 _KYB assistant:_ Verifies business information and instantly validates customer uploaded documents (register extract, proof of address, bank statements etc.) according to custom acceptance policy to remove back-office verification work and avoid customer friction\n\nHere is a quick demo on how they can work together to conduct due diligence on a legal entity by investigating its legitimacy online, checking documentation, and reviewing alerts for Sanctions/PEP/Adverse Media against it.\n\n![uploaded image](/media/?type=post&id=78512&key=user_uploads/727896/78a8d2d2-27bc-4aa4-b8fd-39b03e5acaec)\n\n### **THE TEAM:**\n\nWe’re [**Edo**](https://www.linkedin.com/in/edoardo-maschio-704/) and [**Ahmed**](https://www.linkedin.com/in/ahmedsamygaber/).\n\nAhmed led multiple teams as VP engineering at Billie (Europe’s largest B2B BNPL) across business identification, fraud, credit and aml risk. Previously he was a technical PM and software engineer at Funding Circle.\n\nEdo worked as Investment associate and chief of staff at Rocket Internet early stage investment team and previously was Junior Associate at Boston Consulting Group.\n\n### **OUR ASK:**\n\nIf you are a fintech and are interested in exploring how Generative AI can streamline your risk and compliance controls… get in touch at [founders@godiligent.ai](mailto:founders@godiligent.ai) or find time to chat [**here**](https://calendly.com/edoardomaschio/30min?month=2024-02)!", "url": "https://www.ycombinator.com/launches/KQK-diligent-genai-assistant-for-kyc-aml-compliance-operations", "votes": 80, "created_at": "2024-02-18T21:00:07.591Z" } ] }, { "id": 28807, "name": "Pointhound", "slug": "pointhound", "former_names": [ "Homies" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d2ca619520c27a962f58e863e40ff3811fb10853.png", "website": "http://www.pointhound.com", "all_locations": "Remote", "long_description": "Pointhound makes it easy to earn and redeem your credit card points for free flights. \r\n\r\nWe're driven by our mission to make the world more accessible through travel.", "one_liner": "Earn and redeem credit card points for free flights", "team_size": 5, "industry": "Consumer", "subindustry": "Consumer -> Travel, Leisure and Tourism", "launched_at": 1689084374, "tags": [ "Fintech", "Consumer", "Travel", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Consumer", "Travel, Leisure and Tourism" ], "regions": [ "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pointhound", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/pointhound.json", "year_founded": 2023, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/pointhound", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/pointhound", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d2ca619520c27a962f58e863e40ff3811fb10853.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": 190562, "full_name": "Jay Reno", "title": "Founder/CEO", "founder_bio": "Jay is the co-founder and CEO of Pointhound (S23) and previously founder and CEO of Feather (S17), a furniture rental company for living light. Feather raised $76m from Kleiner Perkins, Bain Capital Ventures, NEA, Spark, Cobalt, SV Angel and others and was acquired in 2022.\n\nJay is also a Co-founder & Partner at Spot VC, backing exceptional YC founders.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jayjreno", "x_url": "https://twitter.com/jayjreno", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cf407ffa14a214f20121f15fc1a5e6d9afed69a5.jpg" }, { "user_id": 1402896, "full_name": "Jake Malone", "title": "Founder", "founder_bio": "I love to build great software and great engineering teams.\n\nCo-founder and CTO of Pointhound (S23) and previously CTO of Feather (S17), a furniture rental company that raised $76m and was acquired in 2022.", "is_active": true, "linkedin_url": "https://linkedin.com/in/jakemalone", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/992edc83f054f49abc56374dad21eb11a9672d18.jpg" } ], "jobs": [ { "id": 73013, "title": "Frontend Engineer", "url": "https://www.ycombinator.com/companies/pointhound/jobs/G2tb7bB-frontend-engineer", "location": "Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "$100K - $150K", "equity_range": "0.20% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 76419, "title": "✈️ Pointhound - earn and redeem credit card points for free flights 💳", "tagline": "Do you like free flights? We'll help you get *lots* of them in economy or business ", "body": "# **TL;DR**\n\n[Pointhound](https://pointhound.com) helps you earn and redeem your credit card points for free flights to amazing destinations 🛫🏝️🗼\n\nIf you’re like us and like the idea of getting free flights _for free_, read on! 👇\n\n# **🤫 The situation — and a big secret**\n\n120m Americans have credit cards, but almost none of us know how to use them or which one(s) to get. We think that cash back cards are the best because they give us, well, cash back.\n\nThe reality is, instead of cash back, earning **points** when you spend will get you _far, far_ greater ROI than cash back — upwards of 10-15x, in fact, when you use your points to book flights.\n\nBook flights with points, you say? How do I do that? Great question: by **transferring** **your points** from your credit card portal (like Amex) to an airline (like Delta) and booking with an airline.\n\nExample: let’s say you found a flight that retails for $1000. If you booked that flight through your credit card’s travel portal, it would cost you 100,000 points (or $0.01 per point — the industry standard). By transferring your points from your credit card’s portal to the airline flying the route, it might only cost you 90,000 points. Not bad.\n\nBut If you booked the Delta flight through their partner, Air France-KLM’s website, **it might only cost you 10,000 points** — 10x cheaper!\n\n_Yup, really._\n\n![](https://lh7-us.googleusercontent.com/Ybt3eTOD1Q5hY_qPmvTpU0Zr7PRHjgPk-esFb3v5pENdVIscLo6Nx1UQmHWCtw09Xl7m_Se3vOw4U-jXu-l7ChWZlejksxzGW-q-NmmL7Hm9YO5ECgCUfjRvBkq6TKvypbtIQpBDP0ozp8En53VjWSw)\n\n# **❌ The problem**\n\nOk, so now we understand that earning points are better than cash back, let’s talk about the problem:\n\n* Figuring out which point-earning credit card(s) to sign up for is complex.\n* Knowing which card you should use to maximize the points you **earn** is even more complex.\n* And figuring out how to **redeem** your hard-earned points for good, no, _great_ value may be the most complex.\n\nSure, there are the blogs and content-heavy websites that _try_ to help you navigate the world of points. But they require you to read and digest thousands of full-length articles to understand what to do.\n\nAnd there are a few companies who have built flight search tools for points, but none seem to holistically address the complexities of both **earning** points and **redeeming** those points. Oh, and they also charge you a monthly fee.\n\n# **✅ The solution — Pointhound**\n\n[Pointhound](http://pointhound.com) is a _completely free_ way to help you earn and redeem your points for free flights 🏝️☀️\n\nOur goal is simple: to simplify the complex world of credit card points and airline miles. We do this by providing our users with a few delightfully designed tools. Our tools help you:\n\n**Redeem your points**. Not sure how to use your hard-earned credit card points? You’re in luck! Our flight search engine searches over 140 airlines at once and surfaces incredible deals using your points and miles. And our [Top Flight Deals](https://pointhound.com/explore) page shows you the cheapest flights from your home airport to destinations all over the world.\n\nWe then tell you where you should transfer your points from (ex. Chase) and to (ex. Air France-KLM Flying Blue) to get the absolute best deal using your points.\n\nFor example, I just booked a flight from SFO to Tokyo in business class for only 60,000 points, when the retail price was $6500 – more than 10 times cheaper when booking with points! _Now you can too._\n\n![](https://lh7-us.googleusercontent.com/G-JvDBpItFU2r2HzbXVzxX3jmIAv9YP8nluGgDZ5aFrRdvs20-jrNVTM6ygH38DBfCst80WZOCxapnecQY207t-7zeaHSbkQIJk26v39PM_3QJWNfWmVsxv4NYv8faNMhB12r7c7n7h7xS8xQmS79yo)\n\n**Earn more points**. Newly obsessed with finding and booking free flights and want to get more points? Our personalized credit card algorithm helps you get the right card(s) for you so you can maximize the points you earn (and free flights you can get).\n\nOur goal is to equip the “points beginners” – many of us who have a card or two and would like a simple product to help us earn and redeem our points for free flights.\n\n![](https://lh7-us.googleusercontent.com/1Q51EUtGWI6LLfJtSPthI-q2QN2dSowTFKu_D8_KX5k957PRhe73c01FhSiEKK9wrrA2jymjG-bA-gUk5n91Ym-_-uV8Ywp9JkfrAlZMPWtgxot1uGm3BbNvMUZsEZh3i3B6CtFuWehXmDhbXKfk8eQ)\n\n# **👨‍👩‍👦‍👦 Why us**\n\nWe’re a mix of point junkies _and_ point beginners. We understand our user, because we _are_ our user.\n\nWe can relate, but we also ask questions and listen. Learning from our users directly is critical.\n\nWe’ve seen industries in need of a shake up — we’ve been here before. Our founding team previously founded and built the consumer startup, [Feather](https://livefeather.com/), a YC S17 company, where we raised $75 million from Kleiner, Bain and NEA, and sold the business.\n\n* [Jay Reno](https://www.linkedin.com/in/jayjreno/) 👨‍✈️ - Co-founder & CEO\n* [Jake Malone](https://www.linkedin.com/in/jakemalone/) 👨‍🏫 - Co-founder & CTO\n* [Samantha Clark](https://www.linkedin.com/in/clarksamantha/) 👩‍🎨 - Co-founder & CPO, Design, Brand\n* [Jeffrey Flynn](https://www.linkedin.com/in/jeffreynflynn/) 👨‍💻 - Founding Engineer\n\nWe’re combining our consumer experience building Feather with our passion for travel to build a once-in-a-generation travel business.\n\n# \n\n# **🙏 Asks**\n\n1. Find and book yourself a [free flight](https://www.pointhound.com/explore). _Is that a real ask?_ It sure is.\n2. Share with your friends who you think might love booking free flights! _Thanks in advance_.\n3. Please share feedback by sending an email to [founders@pointhound.com.](mailto:founders@pointhound.com) _But, like, pls don’t spam_ 🤞.\n\nWe’ve made Pointhound free for everyone, so if you find this at all valuable, your support and upvotes would be super valuable and motivating for us.\n\nHappy (free) flying! 🛫☀️", "url": "https://www.ycombinator.com/launches/JsZ-pointhound-earn-and-redeem-credit-card-points-for-free-flights", "votes": 81, "created_at": "2023-11-28T15:00:18.920Z" } ] }, { "id": 28811, "name": "Casca", "slug": "casca", "former_names": [ "CORE Ai", "Cascading AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/db0a05cec73fa1efa5d096d33cfcc210c8930955.png", "website": "https://www.cascading.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Casca is building AGI for Banking.\r\n\r\nOur first product is an AI-native platform transforming small business lending by enabling banks and lenders to originate 10x more loans with 90% less manual effort. We’ve found product market fit already serving top 10 US banks and are scaling our team very quickly.\r\n\r\nSmall businesses are the heart of the American economy. Many banks shy away from providing funding because of the manual effort in pursuing those deals. With us, that changes. We unlock affordable, quick bank funding for the 30M+ small businesses in the US who would otherwise be subject to the high interest rates from predatory online lenders.\r\n\r\nWe are a world-class team of banking & AI experts from Stanford, MIT & Y Combinator. We like to win and we know that the only thing between us and the title is our own ability to improve every day.", "one_liner": "Make Banking Magical", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1691481257, "tags": [ "Conversational Banking", "Fintech", "Machine Learning", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "**Banking IT is broken**: 30 year old legacy systems, failing RPA projects and millions of people doing manual repetitive work. Over years in the industry, we saw how the financial industry was struggling to deal with mountains of unstructured data and failed to live up to customer expectations. Loan applicants have to go through humiliatingly slow application processes when they really needed someone to count on (no wonder look-to-book churn rates are at 65-80%) - the mania of manual workflows has to end\\\\Money runs the world. Banks are critical and we need fresh talent to shake up a $25T industry." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "**Unlocking $1T in value for global banks** and making banking magical for billions of customers" } ], "url": "https://www.ycombinator.com/companies/casca", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/casca.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/cascading-ai/?viewAsMember=true", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/db0a05cec73fa1efa5d096d33cfcc210c8930955.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1361486, "full_name": "Lukas Haffer", "title": "Founder/CEO", "founder_bio": "Lukas is the CEO & Co-founder of Cascading AI. He previously served as Chief of Staff for the European Market at Avaloq (a globally leading provider of core banking software with $4 Trillion in Assets managed on the platform. Lukas holds an MBA from Stanford University, where he graduated as an Arjay-Miller Scholar (top 10%).", "is_active": true, "linkedin_url": "https://linkedin.com/in/lukashaffer", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2a855142800aa28353a0259b59092eec00fa218b.jpg" } ], "jobs": [ { "id": 79577, "title": "Don't See the Perfect Fit?", "url": "https://www.ycombinator.com/companies/casca/jobs/b5IKSoC-don-t-see-the-perfect-fit", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $200K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 97521, "title": "Technical Recruiter", "url": "https://www.ycombinator.com/companies/casca/jobs/7mHU8Y2-technical-recruiter", "location": "San Francisco", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Recruiter", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 97523, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/casca/jobs/uDbuq7M-forward-deployed-engineer", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 97524, "title": "Head of Security & Compliance", "url": "https://www.ycombinator.com/companies/casca/jobs/of4eYL1-head-of-security-compliance", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 97525, "title": "Director of Customer Support", "url": "https://www.ycombinator.com/companies/casca/jobs/KAmSBwh-director-of-customer-support", "location": "San Francisco", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Series A announcement", "url": "https://www.cascading.ai/company/series-a-announcement", "date": "Aug 19, 2025" }, { "title": "FIs Explore GenAI in SMB Lending Despite Customer Concerns", "url": "https://www.pymnts.com/news/artificial-intelligence/2024/financial-institutions-explore-generative-ai-potential-small-business-lending-despite-customer-concerns/", "date": "Feb 12, 2024" }, { "title": "Cascading AI Secures $3.9 Million in Pre-Seed Funding to Revolutionize the Banking Industry with its AI-native Loan Origination System", "url": "https://www.prnewswire.com/news-releases/cascading-ai-secures-3-9-million-in-pre-seed-funding-to-revolutionize-the-banking-industry-with-its-ai-native-loan-origination-system-302058481.html", "date": "Feb 09, 2024" }, { "title": "Bankwell Bank pilots generative AI in small-business lending | American Banker", "url": "https://www.americanbanker.com/news/bankwell-bank-pilots-generative-ai-in-small-business-lending", "date": "Feb 08, 2024" } ], "launches": [ { "id": 73899, "title": "🤖 Cascading AI - Automate manual banking processes", "tagline": "Lending, account opening, customer service, back-office processing ... ", "body": "Watch our launch video [here](https://youtu.be/NFJvgmm4lIs).\n\n**tl;dr**: _Banks, credit unions, and fintechs spend billions to train and employ staff to handle complex systems and ever-growing service portfolios. Our AI agents make your teams 10x faster by navigating existing systems, surfacing the right information, and even communicating compliantly with your customers._\n\n### **🏆THE TEAM**\n\n![uploaded image](/media/?type=post&id=73899&key=user_uploads/1361486/1a6a8344-6014-46dd-81da-a861bd539b7e)\n\n**Lukas Haffer** **(CEO, Stanford GSB 23)** spent the past 4 years deploying core banking systems and outsourcing banking processes as Chief of Staff for Europe at Avaloq (one of the world’s leading core banking system providers).\n\n**Isaiah Williams (CTO, Stanford CS 22)** spent the past 4 years building conversational AI and production ML applications as a Senior ML engineer at EliseAI (one of the world’s leading conversational AI companies).\n\n### \n\n### **WHAT CAN AI DO FOR BANKING?**\n\n**Lending & Onboarding**: 300,000+ loan officers spend hours on the phone or e-mail getting applicants to complete their applications before they churn to competitors - our AI agent Leo does not give up until he has all the documents he needs.\n\n> Even if we pre-qualify more applicants, we don’t close more loans - because my loan officers can only have one conversation at a time.\n\n![uploaded image](/media/?type=post&id=73899&key=user_uploads/1361486/3b366876-5474-45ab-ba82-ffd1d6a6d59b)\n\n**Customer service**: 30,000+ daily service requests present an insane challenge to the staff of a mid-sized bank, trying to navigate multiple outdated systems and product categories - our AI agent Tom navigates their systems, surfaces the right information, and drafts responses to your clients.\n\n> Customer support has become an insane job - my teams need to navigate 15 different systems just to help 1 customer.\n\n![uploaded image](/media/?type=post&id=73899&key=user_uploads/1361486/4cc6b719-7ac1-4321-95d1-e88f98d160d0)\n\n**Back-office**: at one bank 50,000+ payments are halted every day for reasons as simple as a typo in the recipient account ID - our AI agent Anna analyzes unstructured financial information to recommend resolutions.\n\n> Even with 99% STP-rates (straight through processing) in payments, we have to manually handle thousands of exceptions.\n\n![uploaded image](/media/?type=post&id=73899&key=user_uploads/1361486/c4385ccb-a65f-4e51-9c54-0f7b8ca54a54)\n\n### **❌ THE PROBLEM**\n\nAntiquated systems and manual exception handling slow down crucial banking processes, costing banks billions. Traditional robotic process automation (RPA) could not handle unstructured information. Traditional chatbots quickly reach their limits of usefulness. And custom ML applications take months (if not years) to develop from scratch.\n\n### **✅ OUR SOLUTION**\n\n_Cascading AI agents integrate with the bank's existing IT infrastructure (in their private cloud or on-premise), learn to use their systems, and work with unstructured financial data to automate core processes._\n\n### **HOW IT WORKS**\n\n1. **Our Agents have eyes**: we use computer vision to read documents & integrate with existing systems on a UI level in addition to your APIs\n2. **Our Agents can talk**: we use conversational AI to communicate with customers or colleagues via SMS, E-Mail, Slack, Teams, secure messaging, or ticket management systems\n3. **Our Agents know banking**: we monitor agents in human-in-the-loop systems and align them with banking regulation and compliance policies\n\n### **OUR ASK**\n\n* Connect us with Banks, Credit Unions, or Fintechs looking to automate manual processes and improve customer communication.\n* Book a [demo](https://calendly.com/lhaffer/30-min-meeting?month=2023-08) or email us at [lukas@cascading.ai](mailto:lukas@cascading.ai)\n* Follow Cascading AI on [LinkedIn](https://www.linkedin.com/company/cascading-ai)", "url": "https://www.ycombinator.com/launches/JDv-cascading-ai-automate-manual-banking-processes", "votes": 21, "created_at": "2023-08-08T15:24:50.943Z" } ] }, { "id": 28842, "name": "Capi Money", "slug": "capi-money", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/249f2d014e80e76b7160b87839d01124197e6690.png", "website": "https://www.capimoney.com", "all_locations": "London, England, United Kingdom", "long_description": "Capi helps businesses in emerging markets make international payments. Importers in emerging markets pay up to 10% to settle invoices and wait weeks for payments to arrive. We’re on a mission to give businesses in emerging markets the same price and speed as we expect in the US and Europe.", "one_liner": "Helping businesses in emerging markets make pay their international…", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1690922885, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/capi-money", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/capi-money.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://linkedin.com/company/capimoney/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/249f2d014e80e76b7160b87839d01124197e6690.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/6b6f411e3a5251437d731d9f146806ca81ad3d93.png" ], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1237746, "full_name": "Mitch Riley", "title": "Founder/CEO", "founder_bio": "Co-founder and CEO of Capi Money (S23). Ex COO/CFO/GC of Taptap Send, a unicorn remittance company sending billions of dollars a year into Africa. Spent 4.5 years setting up new markets in Africa and LatAm for GiveDirectly and managing field operations. Recovering lawyer (ex Cravath)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mitchriley/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fd8fc3dff97eccab84a73a6dac7a57fda7397ed3.jpg" }, { "user_id": 1372457, "full_name": "Scott Liddle", "title": "Founder", "founder_bio": "Cofounder leading expansion at Capi Money. Previously CRO/CMO at Taptap Send, a unicorn remittance app: launched 25 markets across Africa, Asia and LatAm. Founded SpareHand volunteer platform in the UK: 1M meals delivered in Covid. Special Advisor to Rory Stewart, UK Secretary of State for International Development. Regional Director at Turquoise Mountain managing ~200 ppl across Middle East and Afghanistan. Speaks half a dozen languages.", "is_active": true, "linkedin_url": "https://linkedin.com/in/scott-liddle-890678195", "x_url": "https://twitter.com/ScottDRLiddle", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0c5cbb6fdd72b737b87d44263fb6e1ebc5ca3b62.jpg" } ], "jobs": [ { "id": 71298, "title": "Senior Fullstack Engineer", "url": "https://www.ycombinator.com/companies/capi-money/jobs/SKgykBX-senior-fullstack-engineer", "location": "London Office / Paris, Île-de-France, FR / Dakar, Dakar Region, SN / Abidjan, Abidjan Autonomous District, CI / Douala, Littoral Region, CM", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£80 - £120 GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 75450, "title": "Launcher", "url": "https://www.ycombinator.com/companies/capi-money/jobs/onTuIwb-launcher", "location": "Paris or London", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "£65K - £85K GBP", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 73937, "title": "Capi Money - International payments for importers in Africa", "tagline": "Helping businesses in Africa pay their international suppliers", "body": "Hey everyone, we’re [Capi Money](https://capimoney.com) and we help businesses in Africa pay their international suppliers. Importers in Africa pay up to 10% to settle international invoices and wait weeks for their payments to arrive. We’re giving businesses in Africa the same price and speed as we expect in the US and Europe.\n\n**We recently launched in Senegal** 🇸🇳 and have booked over $1.5m of payments in our first two weeks. We’re launching Cameroon this month and are currently scoping out Egypt.\n\n### **😫 The problem our first customer experienced**\n\nTwo weeks ago Mitch and Scott (2/3 of the founding team) were in Senegal visiting our local agent-distributor, and onboarding our first customers: a bookshop and an industrial soap-maker.\n\nThe former imports books from Europe and sells them in Dakar. All their revenue is in local currency (XOF) but their supplier invoices are in Euros. They’ve struggled to pay these invoices as:\n\n* Either the bank doesn’t have any Euros to sell them or if they can find Euros elsewhere (e.g. a broker), they pay 5%-10% in FX fees; and\n* They have to wait weeks and sometimes months for payments to reach their suppliers, which risks their being cut off by their supplier for late payment.\n\nWe provide an alternative source of foreign currency by finding organisations that are sending money into Senegal and therefore want XOF and are willing to trade Euros for it. All of this happens behind the scenes and all they need to do is create the transaction in our online platform and send us the XOF, just like a US business using Wise or Payoneer.\n\n### **👋 A bit about us**\n\n![uploaded image](/media/?type=post&id=73937&key=user_uploads/386554/aedb1a43-f231-4fb4-a6b4-4481c1ce0cc3)\n\nMitch (right) and Scott (middle) met at Taptap Send, a remittance app that sends billions into Africa and Asia every year. There they were COO/CFO and CRO/CMO, and have spent a decade each working in emerging markets. Tom (left) is a 3rd-time founder having been co-founder and CTO at Hubble (a B2B marketplace) and P4SD (a web3 NFT company).\n\n### **🙏 How you can help**\n\nGet in touch if you or anyone you know is:\n\n* A business in Africa making regular international payments;\n* An international exporter, selling goods or services into Africa;\n* A business regularly sending funds into Africa (e.g. remittance firm, HR/payroll company)\n\nYou can either sign up to transact on our website (), or reach out to us at [founders@capimoney.com](mailto:founders@capimoney.com)", "url": "https://www.ycombinator.com/launches/JEX-capi-money-international-payments-for-importers-in-africa", "votes": 34, "created_at": "2023-08-09T13:51:31.209Z" } ] }, { "id": 28844, "name": "Alguna", "slug": "alguna", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e2a3ced5969028060bbaaf152193b5b6a2b3982.png", "website": "https://alguna.com", "all_locations": "London, England, United Kingdom; Remote", "long_description": "We are Alguna, building a modern platform that helps B2B companies price deals, send quotes, bill customers, and collect payments - all in one place.\r\n\r\nOur mission is to create the most efficient revenue engine for B2B SaaS.\r\n\r\nToday, many companies run these processes with spreadsheets and a patchwork of separate tools. That leads to slow approvals, manual work, mistakes, and missed revenue—especially as pricing gets more complex.\r\n\r\nAlguna replaces that mess by connecting the entire flow from **quote to cash**: what sales sells becomes what finance bills, automatically. We help teams automate invoicing, handle usage-based or custom pricing, and reduce back-and-forth between sales, finance, and engineering.\r\n\r\nThe result: growth-stage startups and enterprises can close deals faster, bill accurately, and scale revenue operations without adding headcount or building internal systems.\r\n", "one_liner": "AI-Native CPQ & Billing for Modern Pricing Models", "team_size": 10, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1691026781, "tags": [ "Fintech", "SaaS", "B2B", "Enterprise", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United Kingdom", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "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": "**What is the core problem that Alguna solves?**\r\n\r\nB2B companies struggle to turn what sales sells into what finance can reliably bill and collect.\r\n\r\nPricing, quoting, contracts, usage, invoicing, and payments often live in different tools—and the “glue” is spreadsheets, manual approvals, and one-off engineering work. As soon as a company introduces custom terms (discounts, ramps, multi-year deals, usage-based pricing, credits, multi-entity billing), the process breaks down: quotes don’t match invoices, billing becomes manual, and finance is stuck cleaning up exceptions every month.\r\n\r\nAlguna solves this by providing a single platform that unifies **pricing, CPQ, billing, invoicing, payments, usage metering, and collections automation** into one **quote-to-revenue** system.\r\n\r\n**Why is this a big problem?**\r\n\r\nBecause revenue operations scale poorly when the infrastructure is fragmented.\r\n\r\nThe impact is measurable:\r\n\r\n\\- **Revenue leakage:** missed invoices, incorrect pricing, unbilled usage, and manual errors compound over time.\r\n\r\n\\- **Slower deal cycles:** approvals and “can we even bill this?” questions delay closing.\r\n\r\n\\- **High operational cost:** finance and revops teams spend their time reconciling systems instead of controlling revenue.\r\n\r\n\\- **Engineering dependency:** product teams get pulled into custom billing logic, integrations, and edge cases.\r\n\r\n\\- **Harder forecasting and reporting:** when the source of truth is scattered, finance cannot trust the numbers.\r\n\r\nAs more companies adopt **usage-based**, **hybrid**, and **AI-driven** pricing models, the gap between modern monetization and legacy revenue stacks keeps widening.\r\n\r\n**What made you decide to work on it?**\r\n\r\nWe saw the same pattern across fast-growing B2B teams: the product and go-to-market motion moves quickly, but the revenue stack stays stuck in old systems built for simpler subscriptions.\r\n\r\nTeams end up running “mission-critical revenue” on spreadsheets and disconnected tools—because replacing them is painful, and building in-house is expensive and distracting. Yet the cost of doing nothing is continuous: every custom deal creates more manual work, more risk, and more leakage.\r\n\r\nAlguna exists to modernize that foundation. We’re building the revenue management engine B2B companies need to sell flexibly, bill accurately, and scale without chaos—by unifying the quote-to-revenue lifecycle and automating the back office." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "We will know Alguna succeeded when **B2B monetization stops being a patchwork of spreadsheets, PDFs, and disconnected tools**—and becomes a single, programmable revenue engine that companies can run with speed, precision, and confidence.\r\n\r\nThe world today is stuck with legacy revenue stacks that were built for simpler subscription businesses. Meanwhile, selling is changing fast: companies sell across **PLG (self-serve), SLG (custom quotes), and enterprise procurement**, pricing models are shifting toward **usage, hybrid, credits, and outcome-based**, and deep integrations + two-way sync across systems are becoming table stakes. In that environment, “good enough” billing and CPQ breaks down.\r\n\r\nAlguna’s vision is to become the **one source of truth for revenue**—the system that orchestrates pricing, quoting, contracting, usage, billing, invoicing, payments, and collections end-to-end.\\\r\n\\\r\nWhat will be different about the world\r\n\r\n**1) Revenue operations becomes “real-time” and automated**\r\n\r\n* Quotes turn into clean billing schedules automatically.\r\n* Usage becomes billable without manual reconciliation.\r\n* Invoices and collections run with far fewer human interventions.\r\n* Finance teams stop doing back-office cleanup as a permanent job.\r\n\r\n**2) Pricing evolves as quickly as the market**\r\n\r\n* Teams can run pricing experiments safely across channels.\r\n* Guardrails and approvals are built-in, not enforced by spreadsheets.\r\n* Companies avoid pricing drift, one-off logic, and costly exceptions.\r\n\r\n**3) Selling becomes faster, with less internal friction**\r\n\r\n* Sales can confidently sell complex deals without engineering dependency.\r\n* Deal desks can scale without becoming a bottleneck.\r\n* Enterprise flexibility is supported without creating operational chaos.\r\n\r\n**4) Businesses scale with smaller teams and higher reliability**\r\n\r\n* A 10-person team can grow rapidly without inheriting a brittle revenue stack.\r\n* Forecasting becomes more trustworthy because the underlying system is consistent.\r\n* Revenue leakage becomes the exception, not the norm." } ], "url": "https://www.ycombinator.com/companies/alguna", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/alguna.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/algunahq/", "x_url": "https://twitter.com/AlgunaHQ", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/alguna", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e2a3ced5969028060bbaaf152193b5b6a2b3982.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/62/1694195946018-qz3wkvl5t4-8d89e3293da5a4ef13c2c5e6b0b45914/4631d1271da0148a6826e54bf7e3dfea.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022713Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=7a76a7cb370f71bac2472008842548d055627307cb53e1ada01868ae81bca652", "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 1225753, "full_name": "Aleks Đekić", "title": "Founder", "founder_bio": "Co-Founder and CEO of Alguna (S23) – Spent most of his career building payment products and apps in Fintech. At Dojo (Square for the UK), built a custom revenue management platform for 600 people in GTM org. Most recently, at Primer.io, a global payment orchestration fintech, scaled payments and commerce ecosystems to 100+ connections.", "is_active": true, "linkedin_url": "https://linkedin.com/in/aleksdjekic", "x_url": "https://twitter.com/aleks_djekic", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9d661323027ef45a31678c9386effdc2480fbe0c.jpg" }, { "user_id": 1358800, "full_name": "Jamie MacLeod", "title": "Founder", "founder_bio": "Co-founder and CTO of Alguna. Passionate about driving efficiency through software and building effective engineering teams. Previously a founding engineer at Primer, a payment orchestration fintech, scaling the engineering org from 30 to 100 and leading a group of ~20 engineers.", "is_active": true, "linkedin_url": "https://linkedin.com/in/jamie-macleod", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/84d388cd4ccb0bdf436c2c732a88b8d5831e6074.jpg" } ], "jobs": [ { "id": 88762, "title": "Forward Deployed Engineer (FDE)", "url": "https://www.ycombinator.com/companies/alguna/jobs/9JBITuK-forward-deployed-engineer-fde", "location": "GB / IE / CA / US / Remote (GB; IE; CA; US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$80K - $125K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 88765, "title": "Account Executive – Enterprise", "url": "https://www.ycombinator.com/companies/alguna/jobs/3YZc7AG-account-executive-enterprise", "location": "New York, NY, US / Remote (US; CA)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$90K - $150K", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 88766, "title": "Sales Development Representative (SDR)", "url": "https://www.ycombinator.com/companies/alguna/jobs/P4UawoN-sales-development-representative-sdr", "location": "GB / Remote (GB)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$45K - $65K", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 99742, "title": "Customer Success Manager - EMEA", "url": "https://www.ycombinator.com/companies/alguna/jobs/favvk7b-customer-success-manager-emea", "location": "GB / IE / DE / Remote (GB; IE; DE)", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$60K - $115K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 99764, "title": "Customer Success Manager - North America", "url": "https://www.ycombinator.com/companies/alguna/jobs/xEKypni-customer-success-manager-north-america", "location": "New York, NY, US / Remote (US; CA)", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$75K - $120K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Exclusive: Alguna exits stealth with $4m seed round", "url": "https://www.fintechfutures.com/venture-capital-funding/exclusive-yc-backed-alguna-emerges-from-stealth-with-4m-seed-round", "date": "Sep 25, 2025" } ], "launches": [ { "id": 76099, "title": "Alguna – Modern pricing, quoting & billing platform", "tagline": "We help companies increase revenue and close more deals, faster. ", "body": "# **📝 TL;DR:**\n\n> [Alguna](https://alguna.io) is a modern pricing, quoting, and billing platform for B2B SaaS. Companies use it to unify the quote-to-revenue process by automating complex and manual back-office operations. [Book a demo](https://alguna.io) to learn more.\n\n# **❌ Problem**\n\nAs companies grow, they want to offer more customized deals to their larger customers, capture data around product usage, forecast revenue, and experiment with pricing. As they scale, instead of graduating to better tools, they default to using spreadsheets and manual processes to connect single-point solutions.\n\nAfter interviewing over 100 company leaders, we’ve seen what consequences information siloes and fragmented solutions can have on the companies’ growth trajectories. \\\nFrom light issues like hiring people to copy/paste data between systems to fundamental ones like not trusting your revenue data or asking your customers to tell you how much they used your product.\n\n> _In times of growth at all costs, companies could’ve turned a blind eye to these imperfect workflows; however, as 2023 loomed over the whole SaaS world, these revenue-impacting inefficiencies represent the line between company survival and the slow death of running out of money without even realizing it._\n\n# ✅ **How Alguna works**\n\nOur core premise is to enable our customers (growth-stage startups and enterprises) to flexibly close more deals faster without worrying about internal limitations and relying on finance and engineering teams.\n\n![uploaded image](/media/?type=post&id=76099&key=user_uploads/1225753/9b1a2f85-6a49-4420-8839-23d7193526fa)\n\n> We’ve built **an end-to-end solution** covering the whole customer lifecycle while **complementing** existing **sales** (CRMs), **finance** (ERPs/Accounting), and **engineering** tools.\n\n**Configure pricing & create custom quotes**\n\n* Set up pricing and packaging across all sales channels while supporting any pricing model (including subscriptions, usage-based, platform fees, etc.)\n* Create the most customizable plan options with custom product billing options, one-off integration fees, special discounts, and complex renewal terms.\n\n![uploaded image](/media/?type=post&id=76099&key=user_uploads/1225753/d5c62cfa-bb64-45bd-b544-4ff878cbc363)\n\n**Streamline the contract signature flow**\\\nAlguna provides an embedded signature experience directly from the proposal you send customers. This is then automatically connected to tools upstream (CRMs) and downstream (ERPs), enabling the cohesive external (prospects/customers) and internal experience.\n\n![uploaded image](/media/?type=post&id=76099&key=user_uploads/1225753/f722da69-f9ef-4655-be51-676d57731dbb)\n\n**Seamless and reliable invoicing experience**\\\nSince the pricing models and quotes are natively integrated, everything is automatically connected with the billing engine, enabling the accurate and reliable customer billing experience directly via Alguna or ERP tools of your choice (Stripe Invoicing, Netsuite, Xero, Quickbooks, Bill)\n\n![uploaded image](/media/?type=post&id=76099&key=user_uploads/1225753/8802ecb0-928d-4ff8-9bf2-d6593fae75a3)\n\n**Source of truth for revenue metrics** \\\nEmpower sales and customer success teams with usage data to drive more revenue and unlock new upsell opportunities with real-time revenue data.\n\n![uploaded image](/media/?type=post&id=76099&key=user_uploads/1225753/f34387fc-134a-471f-bba3-0d38d1e992f8)\n\n# **🏟️ Why us**\n\nWe ([@Jamie MacLeod](https://www.linkedin.com/in/jamie-macleod/) & [@Aleks Đekić](https://www.linkedin.com/in/aleksdjekic/)) met at a fintech startup where we helped scale the payments and automation teams and products. While trying to launch new products, we experienced this problem firsthand and decided to solve it once and for all. Previously, [@Aleks](https://www.linkedin.com/in/aleksdjekic/) led the product development of internal tools _just like_ Alguna for a 600-person commercial team at one of Europe's fastest-growing payment processing companies.\n\n# **🚀 What’s next?**\n\n> **_We’re on a mission to build the most efficient revenue management engine covering the whole customer lifecycle._**\n\n* [Book a demo](https://alguna.io) if you want to learn more about Alguna.\n * Refer us to anyone you know who could benefit from our solution via [founders@alguna.io](mailto:founders@alguna.io)\n * If you’d like to share insights and feedback, our inbox is always open.\n* Follow us on [Twitter](https://twitter.com/AlgunaHQ) or [LinkedIn](https://www.linkedin.com/company/algunahq) for new product updates and revenue management best practices.", "url": "https://www.ycombinator.com/launches/JnP-alguna-modern-pricing-quoting-billing-platform", "votes": 120, "created_at": "2023-11-09T10:18:48.254Z" } ] }, { "id": 28845, "name": "Campfire", "slug": "campfire-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b964d406b730adef7e1ad9fcd6fdf8775ca296fc.png", "website": "https://campfire.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Campfire is the modern accounting platform for startups and mid-size tech companies. The fastest growing YC companies such as Replit, Posthog, SpeakAI run on Campfire. Our product includes an accounting general ledger that has multi-entity support and advanced financial reporting such as P&L by department and contribution margin by customer. Migrate from legacy accounting software to Campfire for your accounting and financial reporting to automate manual tasks and streamline workflows to unlock financial insights and accelerate the monthly close process.", "one_liner": "The AI Native ERP for the fastest growing companies.", "team_size": 105, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1690778245, "tags": [ "Fintech", "SaaS", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/campfire-2", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/campfire-2.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/95696443", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b964d406b730adef7e1ad9fcd6fdf8775ca296fc.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Andrew Miklas", "url": "https://www.ycombinator.com/people/andrew-miklas" }, "founders": [ { "user_id": 815940, "full_name": "John Glasgow", "title": "Founder", "founder_bio": "CEO / Co-founder of Campfire, the modern accounting platform for startups and mid-size tech companies. Previously, I was VP, Business Development and Partnerships at Bill.com where I reported to the CFO after joining via the acquisition of Invoice2go for $625 million. At Invoice2go, I led corporate development and partnerships as an executive reporting to the CEO. Prior experience includes corporate strategy at Adobe and tech M&A.", "is_active": true, "linkedin_url": "https://linkedin.com/in/johnglasgow", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/21cd3fba87145cf1c09f9f10cffb6769bca4c6a2.jpg" } ], "jobs": [ { "id": 68433, "title": "Full-Stack Engineer", "url": "https://www.ycombinator.com/companies/campfire-2/jobs/kwkHQFR-full-stack-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$130K - $185K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [ "Python", "TypeScript" ] }, { "id": 77546, "title": "Accounting Solutions & Customer Success Manager", "url": "https://www.ycombinator.com/companies/campfire-2/jobs/IDv4F5T-accounting-solutions-customer-success-manager", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$100K - $130K", "equity_range": "", "experience": "1+ years", "visa": "Will sponsor", "skills": [] } ], "news": [ { "title": "The ERP for the AI Revolution is here", "url": "https://www.youtube.com/watch?v=X1NXnLRNIfM", "date": "May 20, 2026" }, { "title": "Campfire $65 Million Series B Co-Led by Accel & Ribbit: $100M raised in 12 weeks to Meet Surging Demand", "url": "https://campfire.ai/blog/campfire-65-million-series-b-co-led-by-accel-and-ribbit", "date": "Oct 15, 2025" }, { "title": "Tiny AI ERP startup Campfire is winning so many startups from NetSuite, Accel led a $35M Series A  | TechCrunch", "url": "https://techcrunch.com/2025/06/30/tiny-ai-erp-startup-campfire-is-winning-so-many-startups-from-netsuite-accel-led-a-35m-series-a/", "date": "Jun 30, 2025" } ], "launches": [ { "id": 78850, "title": "Campfire - The modern version of NetSuite", "tagline": "Campfire powers the accounting for mid-size tech companies", "body": "tl;dr: [Campfire](https://meetcampfire.com/) is an accounting platform for startups and mid-size tech companies that are outgrowing QuickBooks or Xero, or are frustrated with NetSuite or Sage. It’s a modern general ledger with advanced features such as multi-entity support and advanced revenue reporting in a modern, consumer-grade interface.\n\n**Revenue dashboard**\n\n![](https://lh7-us.googleusercontent.com/vNK1saTKs-pUioJMvekmx0HD-W31n_MBiUdMPRGN1IPkDQ9GZYCsPvvRagD9KX4AVxPp0vVYFXz0G9h_-WUhqujPCLefCUb7ZZIQ34KUOdWsv0NgGJk3Be6AWqlxmyyg30WsrJZfGhPK9nlGVjXn44s)\n\n---\n\nWe’ve been building our accounting platform to compete with Netsuite since day one at Campfire, but it’s a massive undertaking, so our initial product launch was one of our features - [Revenue Automation](https://meetcampfire.com/revenue-automation/) for unified invoicing/payments, revenue accounting, and reporting. And today, I’m thrilled to share more about our flagship product - [Core Accounting](https://meetcampfire.com/core-accounting/). It’s a modern accounting platform with companies such as Carbon Direct, Populi, and Delphia using the product. We’ve been beta testing our general ledger since July with customers that range in size from 10 employees to 150-employee global companies and are now ready to onboard more customers. Our typical customer migrates to Campfire from QuickBooks and Xero, but we’ve also migrated customers from mid-market ERPs like Sage Intacct and NetSuite.\n\n**Multi-entity income statement:**\n\n![](https://lh7-us.googleusercontent.com/TEOi8cfTZbfz5jIat7AQ9jyKDZAACh6xRhu6LnB4USU1zwe4bBfwA6_D8HFwHqXX1gYfcRPLSSibjFI9oJ_QTi9qc8au9Zh_TybxyGGb8tkRhI68BBDwd8QO7QFiaLuTP2Rj6tidNHI7vxmfbumeC-0)\n\nMy co-founder, [Fernando](https://linkedin.com/in/fsanmartinjorquera), and I ([John](https://linkedin.com/in/johnglasgow)) have scaled multiple accounting software companies including Invoice2go (acquired by Bill.com for $600M+) and Trovata (powering the treasury accounting for companies like Block and Etsy).\n\n**Campfire benefits**\n\n* **Turn the lights on for your financial data** - Unlock actionable and timely KPIs and financial insights with advanced financial reporting for increased visibility such as contribution margin by customer and P&L by department. Empowering executives to make informed, timely decisions.\n* **Scale from startup to global operations** - The first modern general ledger that effortlessly scales globally with your company via support for muti-entity and multi-currency financial consolidation, advanced revenue automation, and multi-dimensional reporting.\n* **Accelerate the accounting close process** - In the current environment, we’re all looking to grow faster while cutting burn. Streamline accounting and financial reporting workflows to free up resources so your team can focus on strategic, high-value work.\n* **API-first approach** - Our [**modern APIs**](https://api.meetcampfire.com/api/docs/) power custom integrations for customers that have automated custom accounting workflows in a matter of days.\n\n**Quotes from a few customers:**\n\n> “We migrated from Sage Intacct to Campfire to accelerate our close process. It’s the only solution in the market that is modern, yet has the power to support our global operations across multiple legal entities and currencies.”\n>\n> Andrea Burton, CPA | VP of Finance Delphia (YC W18)\n\n> “When we were on QuickBooks, it was obvious the product was not built for tech companies like ours. The migration to Campfire was painless and now we are able to make informed decisions and track KPIs as we scale.”\n>\n> Jon Yoo, CEO @ Suger (YC W23)\n\n## **Get started with Campfire**\n\nSend me an email ([**john@meetcampfire.com**](mailto:john@meetcampfire.com)) or check out our website at [**www.meetcampfire.com**](http://www.meetcampfire.com/) to learn more and schedule a demo.", "url": "https://www.ycombinator.com/launches/KVm-campfire-the-modern-version-of-netsuite", "votes": 44, "created_at": "2024-02-28T16:13:45.104Z" }, { "id": 73767, "title": "Campfire ⛺ 🔥 : Revenue management for Series A+ tech companies", "tagline": "Your investor updates just got a lot better", "body": "**TL;DR**\n\nMost Series A+ tech companies still manage revenue recognition, attribution (expansion, churn, etc.), and KPIs in spreadsheets. Campfire simplifies the entire process by ingesting your revenue data (customer contracts, Stripe data, etc.) through AI to automate your revenue recognition, invoice management and KPI reporting for any business model (subscription, usage, marketplace, etc.). We’re currently performing the data migration (at no cost!) for new customers through the end of August. Check us out at [meetcampfire.com](http://meetcampfire.com)!\n\n![uploaded image](/media/?type=post&id=73767&key=user_uploads/815940/5446f7b9-e256-4832-9844-aeca965da002)\n\n_Quick tour of our dashboard page_\n\n**How we know this is a problem**\\\nAs an exec at Invoice2go (90 employees, Series C), one of the largest pain points [John](https://bookface.ycombinator.com/user/815940) encountered was that the company had outgrown QuickBooks, but the migration to NetSuite didn’t make sense due to pricing, resourcing and the required migration effort. After selling the company to and leading partnerships at [Bill.com](http://Bill.com), John noticed significant innovation happening around core accounting (Brex, Zip, Rippling, etc), but accounting software itself like NetSuite hadn’t been refreshed in 20+ years.\n\nAt the same time, [Fernando](https://bookface.ycombinator.com/user/847698) led back-end engineering at Trovata, which is treasury software for customers like Square and Etsy. He realized there was an opportunity to bring enterprise-grade automation to mid-size companies.\n\nBringing our experiences together, we know that we can make a difference in an area that hasn’t seen improvements in decades. \n\n![uploaded image](/media/?type=post&id=73767&key=user_uploads/815940/eab61627-c57c-4806-a75c-2dbc58c577db)\n\n_This was the moment when it sunk in that we’re really in Y Combinator!_\n\n**Our Solution**\\\nTo fix this inefficiency, we’ve launched _Revenue Management_ as our first product. We’re migrating accounting and finance teams out of spreadsheets and into automated, AI-powered software that ingests customer contracts and computes revenue recognition and KPIs (ARR, churn, etc.) to improve accuracy, saving both time and money. Early customers are saving 90% of the time it takes to manage revenue, allowing their accounting/finance teams to focus on high-value, impactful work instead of performing manual tasks in spreadsheets. Your investor/Board updates just got a lot better, and your accounting teams just got a lot more efficient. Our product is fully operational for any business model and referenceable with happy campers (pun intended!) like Jenny Jao, Head of Finance at Sprig (Series B) who said:\n\n> Our time-to-value with Campfire was really fast. We're moving our revenue and invoice management out of spreadsheets and into Campfire to automate everything. It's a big win for us.\n\n![uploaded image](/media/?type=post&id=73767&key=user_uploads/815940/ea2da31f-8ee9-4c14-8ac5-41c21ac29be9)\n\n_View of a customer contract_\n\nCampfire works well for any business model from marketplaces managing hundreds of thousands of monthly transactions in a database to enterprise subscription software managing contracts in spreadsheets. Irrespective of business model, Campfire automates your revenue KPI’s for investor/exec updates and monthly journal entry for any accounting software such as QuickBooks and NetSuite. \n\n**Our ask:** We’re looking to connect with finance and accounting leaders at Series A+ tech companies to explore how Campfire can save them between one day and one week every month, while turning the lights on their revenue KPIs to improve exec reporting and investor updates.\n\n**Launch YC Promo:** \\\nWe’re currently performing the entire data migration out of spreadsheets (at no cost!) for new customers through the end of August. Upon first login, view all of your revenue KPIs, attribution, and customer- and product-level revenue analysis with the ability to drill down into the data. Reduce your revenue accounting down to a few clicks per month, and increase your efficiency. 📈\n\n**Check out our website at **[**meetcampfire.com**](http://meetcampfire.com)**, drop me a note at **[**john@meetcampfire.com**](mailto:john@meetcampfire.com)**, or **[**schedule a demo**](https://www.meetcampfire.com/company/meet-campfire)** to get started.**", "url": "https://www.ycombinator.com/launches/JBn-campfire-revenue-management-for-series-a-tech-companies", "votes": 49, "created_at": "2023-08-03T16:54:17.347Z" } ] }, { "id": 28929, "name": "Bretton AI", "slug": "bretton-ai", "former_names": [ "Greenlite AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a2e212679d6416b22e5a93c56292d0faf00edc5.png", "website": "https://www.bretton.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Bretton runs AI-native operations for the financial back office. OCC, Fed and FDIC regulated banks use Bretton to run compliance, risk, fraud operations on one platform, on their own data and policies, with every output traced, cited, and audit-ready.\r\n\r\nBretton has pioneered AI use in financial services with its proprietary Trust Infrastructure — a system of model validation, governance and auditability guardrails that enables AI use in key regulated workflows.\r\n", "one_liner": "AI-native operations for the banks", "team_size": 34, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1687929703, "tags": [ "Fintech", "Payments", "B2B", "Compliance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bretton-ai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/bretton-ai.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/bretton-ai/", "x_url": "https://twitter.com/brettonai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a2e212679d6416b22e5a93c56292d0faf00edc5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/936cd307dccb74fa9e3b71397752f4250ce6a5b7.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1152966, "full_name": "Will Lawrence", "title": "Founder", "founder_bio": "Will led product for Facebook's anti-money laundering (AML) platform, combatting financial crimes across payment, gaming and e-commerce use cases. He also built core compliance infrastructure at Paxos, a growth-staged fintech that powers over 10M crypto wallets globally. \n\nHe's now Co-founder and CEO of Greenlite, helping fintechs scale financial crime operations with AI.", "is_active": true, "linkedin_url": "https://linkedin.com/in/lawrencewill", "x_url": "https://twitter.com/will_lawrenceTO", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dfe9f928e4429829c72f6b0ed36b1a16c28a68a0.jpg" } ], "jobs": [ { "id": 72400, "title": "Enterprise Account Executive", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/Dh7ku1P-enterprise-account-executive", "location": "San Francisco, CA, US / New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$220K - $300K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90600, "title": "Software Engineer, Product", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/dqOP6MV-software-engineer-product", "location": "San Francisco, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$168K - $213K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90602, "title": "Software Engineer, Infrastructure", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/RnFi0pT-software-engineer-infrastructure", "location": "San Francisco, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$168K - $213K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 92361, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/E8Bd0s3-forward-deployed-engineer", "location": "San Francisco, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94012, "title": "Solutions Engineer", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/J6AykVR-solutions-engineer", "location": "Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94017, "title": "Financial Crime Analyst", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/JkfdrLs-financial-crime-analyst", "location": "Remote- United States / San Francisco, CA, US / Remote (US)", "type": "Contract", "role": "Operations", "role_type": null, "salary_range": "$28 - $70 / hourly", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Greenlite AI Raises $15 Million Series A | Greenlite.ai", "url": "https://www.greenlite.ai/blog/greenlite-ai-raises-15-million-series-a", "date": "May 21, 2025" }, { "title": "Exclusive: Anti-money laundering startup Greenlite gets $4.8 million", "url": "https://www.axios.com/pro/fintech-deals/2023/11/08/exclusive-anti-money-laundering-ai-startup-greenlite-4m", "date": "Nov 08, 2023" } ], "launches": [ { "id": 72627, "title": "Greenlite 🟢 AI compliance teams for fintechs", "tagline": "A workforce of AI agents that augment AML and KYC teams", "body": "**TL;DR**\\\n[Greenlite](https://www.greenlite.ai/) helps fintechs unlock growth with an AI compliance team.\n\nOur workforce of AI agents tirelessly handle routine AML and KYC tasks, allowing your team to focus on higher-leverage work.\n\nIf you’re a fintech or compliance leader, get in touch at [founders@greenlite.ai](mailto:founders@greenlite.ai).\n\n## **Problem**\n\nFintech compliance teams **spend millions of dollars on manual anti-money laundering (AML) and know-your-customer (KYC) reviews**. To support customer growth, fintechs turn to outsourced analysts or consultants to complete these reviews.  The workflows assigned to outsourced teams are routine, clearly-defined and require risk-based decisions to be escalated to a full-time employee (FTE).\n\n**Managing outsourced analysts is painful and expensive.** Training takes months, quality assurance is a challenge and any additional tooling/automation needs to be built by your internal engineering teams.\n\n**Critically, the productivity of these AML teams are low**. [McKinsey estimated](https://www.mckinsey.com/capabilities/risk-and-resilience/our-insights/the-investigator-centered-approach-to-financial-crime-doing-what-matters) that as little as 15% of an AML investigator’s time is spent actually investigating. Manual processes, administrative tasks and limited working hours leave backlogs to grow, increasing risks of a major fine.\n\n### **Solution**\n\n[Greenlite](https://www.greenlite.ai/)’s AI agents learn your alert review process and work 24/7 to complete entry-level KYC and AML tasks.\n\nThey pair language models and 200+ data sources to action false positives, investigate high-risk customers and create audit-ready narratives. \n\nSuspicious activity is escalated to your FTEs, allowing you to be in control of risk based decisions.\n\n## **Here’s how it works**\n\n### Choose where you need staff augmentation\n\nGreenlite supports three agent archetypes (with more to come). Each one can learn your company’s specific workflows to handle routine cases.\n\n![uploaded image](/media/?type=post&id=72627&key=user_uploads/1152966/7d2bc16b-7e94-41f7-8bd4-4ef467c09b8c)\n\n### Add your policy, data sources and fuzziness thresholds\n\nUpload your workflow policy, define the data sources that are needed for this job and determine the fuzziness threshold you’re comfortable with.\n\n![uploaded image](/media/?type=post&id=72627&key=user_uploads/1152966/55090200-1b67-4d7f-ae1d-e21c04863a24)\n\n### Review escalated cases\n\nAgents will escalate cases that require a risk based decision. Importantly, your FTEs get an enriched case, complete with entity investigation details, data analysis and open-source intelligence to make high quality decisions more efficiently.\n\n![uploaded image](/media/?type=post&id=72627&key=user_uploads/1152966/07dccab8-c387-42e5-8a02-2fd4a2e6cfdf)\n\nSchedule a demo [here](https://cal.com/greenlite/greenlite-demo) to see how Greenlite can help you scale your compliance operations with AI instead of outsourced teams.\n\n### **Benefits of Greenlite:**\n\n1. **Higher quality, transparency and control of reviews**: give your team better visibility and control of your AML operations.\n2. **Dramatic savings**: using automated systems instead of human-reviewers will unlock capacity for strategic priorities.\n3. **Unblock growth**: with near-instant compliance capacity, your team can focus on higher-priority initiatives, like license applications, complex investigations and scaling core systems.\n\n### **Who are we?**\n\nWe’re [Alex](https://www.linkedin.com/in/jinalex/) and [Will](https://www.linkedin.com/in/lawrencewill/). \n\nWill led product teams working on Facebook's anti-money laundering (AML) platform, combating financial crimes across payment, gaming and e-commerce use cases. He also built core compliance infrastructure at Paxos, a growth-staged fintech that powers over 10M crypto wallets globally. \n\nAlex was an engineer and product manager at Dropbox. He was the first employee at Flixed where he led product development and built a programmatic content engine.\n\nTogether, we’re excited to help fintech compliance teams unlock unprecedented growth with AI.\n\n### **Looking to connect with fintech compliance teams!**\n\nWe’re happy to help fintech compliance teams define their AI strategy. Get in touch at [founders@greenlite.ai](mailto:founders@greenlite.ai).", "url": "https://www.ycombinator.com/launches/ItP-greenlite-ai-compliance-teams-for-fintechs", "votes": 52, "created_at": "2023-06-28T20:29:37.792Z" } ] }, { "id": 28932, "name": "AgentCollect", "slug": "agentcollect", "former_names": [ "Respaid" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e7fa66d4491c66a8637435f8ec4ca509a67f236.png", "website": "https://www.agentcollect.com", "all_locations": "San Francisco, CA, USA", "long_description": "We recover aged B2B debt in weeks, not quarters: ~49% in 20 days vs ~20% in 4-6 months for traditional agencies.\r\nOur AI agents call, email, text, find the right contact (20% of B2B contact data is outdated), and negotiate payment plans 24/7 ; all under your brand. \r\nWe replace your offshore BPO and third-party agencies. \r\nYour AR team stays focused on strategic accounts.\r\n\r\nLive with Dell, Microsoft, FedEx, Plaid, and Checkr and hundreds of enterprise companies.\r\n\r\nLong-tail AR your team has deprioritized becomes recovered cash before a traditional agency even gets moving.", "one_liner": "B2B debt collection powered by AI agents", "team_size": 42, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1688400893, "tags": [ "Fintech", "B2B", "Enterprise Software", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "My grandfather ran a furniture store in France. He extended credit himself, on trust. When customers didn't pay, he knocked on their doors on Sundays. One day, a customer pulled a knife on him.\r\n\r\nI grew up hearing that story. Then I started a business and ran into the same wall: customers who don't pay. The impossible choice: push too hard, they turn on you; push too soft, they ignore you.\r\n\r\nThat was collections before software. The problem is still the same.\r\n\r\nEvery B2B invoice is a loan. Every company extends credit. But when customers pay late, they still hand the problem to legacy collections agencies that recover \\~20% in 4-6 months and damage the brand on the way out.\r\n\r\nI built AgentCollect because no one should knock on doors anymore. AI agents call, email, and negotiate 24/7 under our customer's brand. We recover \\~49% in 20 days. Live with Dell, Microsoft, FedEx, Plaid, and Checkr." } ], "url": "https://www.ycombinator.com/companies/agentcollect", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/agentcollect.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/agentcollect", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/respaid", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e7fa66d4491c66a8637435f8ec4ca509a67f236.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 571278, "full_name": "John Banner", "title": "Founder/CEO", "founder_bio": "My prior startup's downfall was due to unpaid invoices. With no viable market solution and seeing that 1/4 of businesses faced bankruptcy for similar reasons, I founded Respaid, using AI and respect to address the issue. Beyond entrepreneurship, I'm a commander in the French Republican Guard, a pianist, composer, and passionate about fintech meeting psychology. An engineer by training, I graduated from Harvard Business School and Ecole Centrale Electronique. Also, I'm a proud dad of 4 under 5 🙂", "is_active": true, "linkedin_url": "https://linkedin.com/in/johnbanr", "x_url": "https://twitter.com/johnbanr", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bf7121767f5c4c09c95bcc3e780b0b43f7af6217.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 73027, "title": "Respaid - Respectful B2B Collection, powered by AI", "tagline": "\"The nice guy of the debt collection industry 😇\"", "body": "Hey! This is John, the founder of [**Respaid.com**](http://Respaid.com)\n\n**Are you constantly juggling a million things while overdue bills keep slipping through the cracks? AI-powered respectful collection enables you to receive up to 9x more payments.**\n\n![](https://lh4.googleusercontent.com/PTwTgW1BacUmzMAqUzhE0hyLy2tdWeb8btBW51Gl4dNEfzXOfjZchTFeCdEccjcySs6WpqBObpY9U8yaffvEjdnGhghmZJNtbEm4orexPgmNXD3bU5JNL-ZtcqFtoYWMY-HTGu0hgo--CAl1y8eW8JM)\n\n_Yeah… I'm a solo founder, but.. I’m not alone. Actually we’re 40+ passionate people from 7 countries!_ \n\n### **❌ Problem: collect small overdue bills is hard**\n\nBe too harsh and people feel offended, be too soft, and they not take it seriously.\\\nAt Respaid, we've found the sweet spot. With our similar approach that a lawyer would do, combined with surprising softness and simple direct payments, people are happy to pay (NPS: 93).\\\nYour brand reputation is even greater.\n\n### **✨ Solution: AI-Powered Lawyer collection + Respect**\n\nWe combine a respectful approach (contact with care through a real lawyer) + AI (predict the perfect timing, message and channel) to collect your overdue bills. Your customers are surprised that your company’s lawyer has been soft and made it easy to pay.\\\nHow to start: **give us a simple excel file, we do the rest (no attached invoices required).**\n\n![](https://lh4.googleusercontent.com/TjqFpV2BgichtCkOzQ3AEqovNqRApXbhF1o5-as9KmXvC89ix1ey_nHICLlFkptfyr2gihAjBHPNuAA6JKOPCQeVZXZBA78R7qjlWjci8C5XukHVXEWeV3mIVoGtmfyhnGGQJZytYmsNQQcObEdeKrA)\n\n_e.g. Apple Pay increase collection rate by up to 7%_\n\n### **👉 For Who: SaaS, Subscription and Marketplace**\n\nYour customers are SMBs? Finding a solution which is profitable and not time consuming is now possible.\\\nWe currently have 458 customers (DoorDash, Checkr, Podium…) in 8 industries (retail, insurance, finance, service..). We usually start with an excel file, but you can also automate us through Zapier or direct API.\\\n**We do up to 85k collections per day!**\n\n![](https://lh5.googleusercontent.com/skDiOeoYmVP8Va2V20WkzD8P_ZDKgtve5JeG5jBc-u1V9-A2DMKkGVUDxNx1Tw8-FLtrG-M2yNhdq2FbN_q8G2BDSyhZBaxLnQwY5WEF5UlRxNzLnpHdbyLIANNiYPOc3wocvrFHxyUNjcQZ_mUpPvs)\n\n### **🕤 BackStory: how BAD debts killed my last startup**\n\nIn my previous startup, I didn’t find a solution to chase small debts, and debt collectors would not take us seriously regarding volume or risk too high (they tend to select debts they have more chance to be collected). I realized 1/ 4 startups fail due to small debts. I knew the only way to fix it was through technology + respect. 18 months later, we were #1 on Trustpilot “debt collector”, had 16 unicorn customers.\\\n**But….we never officially launched in the US… until today!**\n\n### **• We do a fair pricing (success fees only)**\n\nYou only pay a success fee when we succeed (starting 10.9%). In the industry, we’re probably the only ones to even display a pricing page as we understood it was not right to calculate pricing depending on debt quality.\\\nUse the code “_YCS23_”🔥 at signup to get 1 month trial period, there's no need to worry about license fees.\\\nIt's our way of demonstrating our commitment to your success.\n\n### **🙏 How You Can Help**\n\n**Intros to founders/CFO** - You can help us by introducing startups/companies having: 1. a lot of SMBs or 2. a lot of individuals as customers to share how they handle overdue bills. Please cc me: [j+YC@respaid.com](mailto:j+YC@respaid.com) or directly [book a demo here](http://jo.respaid.com)\n\n**Try collecting $1 to yourself in 10sec**: [**start $1 collection here**](https://respaid.com)", "url": "https://www.ycombinator.com/launches/Izr-respaid-respectful-b2b-collection-powered-by-ai", "votes": 171, "created_at": "2023-07-13T15:01:02.582Z" } ] }, { "id": 28965, "name": "Yenmo", "slug": "yenmo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e38727bf49fef15610b997e8f1c13cd449e6da05.png", "website": "https://yenmo.in/", "all_locations": "Bengaluru, KA, India", "long_description": "Yenmo offers a better way to access cash for India’s 65 million investors who either resort to personal loans at over 18% interest or have to liquidate their investments when in need of money. With Yenmo, they can pledge their investments digitally and instantly get a loan at a fixed 10.5% interest rate.\r\n\r\nOur Insight - In India, over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.", "one_liner": "Secured consumer lending in India", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1708901041, "tags": [ "Fintech", "Lending", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/yenmo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/yenmo.json", "year_founded": null, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/yenmo-in/", "x_url": "https://twitter.com/yenmo_official", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e38727bf49fef15610b997e8f1c13cd449e6da05.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1058266, "full_name": "Ashutosh Purohit", "title": "Founder", "founder_bio": "Passionate about providing the best financial solutions for Indians! \nAt Navi, I led the creation and growth of their Mutual fund arm, going from 0 to $625M AUM in a year. Previously, at Swiggy, I spearheaded expansion from 30 to 500 cities in 1.5 years.", "is_active": true, "linkedin_url": "https://linkedin.com/in/ashutoshpurohit97", "x_url": "https://twitter.com/ashutoshpuro97", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/21f40d3ac69ca53f124aa1119965f1bb0e725b10.jpg" }, { "user_id": 1105961, "full_name": "Aryan Agarwal", "title": "Founder", "founder_bio": "Finance and Tech enthusiast working towards empowering Indians with new and innovative credit solutions. Worked at Browserstack for 2 Years before starting a Capital Management Company based out of India with over $2 million AUM.", "is_active": true, "linkedin_url": "https://linkedin.com/in/aryanag15", "x_url": "https://twitter.com/AryanAg15", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4e6c7dd3a965a5cf39d9f03c4e54a0a7ace740bc.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 78731, "title": "Yenmo - Instant loans against investments", "tagline": "Enabling Indians to access cash without the need to sell their investments", "body": "**TL;DR:** [Yenmo](https://yenmo.in) offers a better way to access cash for **India’s 60 million investors** who either resort to personal loans at over 18% interest or have to liquidate their investments when in need of money. With Yenmo, they can **pledge their investments digitally** and instantly get a loan at a **flat 10.5% interest rate**.\n\n_Our Insight -_ **In India,** **over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.**\n\n### 🧨 **What is the Problem?**\n\nIn India, with over 60 million investors in stocks and mutual funds, a staggering 50% of individuals resort to personal loans to fulfill liquidity needs. \n\nWhen these investors need funds, they are faced with two unfavorable options:\n\n**1-** Liquidating investments, which means losing out on the compounding growth of investments and also often incurring capital gains taxes of up to 35%\n\n**2-** Taking out a personal loan at over 18% interest.\n\nMany investors have earmarked their investments for specific future needs, such as their child's education or their retirement. For these individuals, liquidating investments is a last resort, leaving them with the burden of high-interest personal loans.\n\n### 🛠️ **Our Solution:**\n\nIntroducing Yenmo! We empower Indian investors to borrow against their investments \\[such as Mutual Funds and stocks\\] at a flat 10.5% interest rate, all in less than 5 minutes. Developed in collaboration with leading financial institutions and government agencies, we are revolutionizing how investors access liquidity.\n\nWith us, investors can view all their investments in real time, select the assets they wish to borrow against and receive funds directly into their bank accounts. This allows their investments to continue growing for the long term while fulfilling immediate financial needs effortlessly.\n\n\n\n### 🌟 **Our purpose**\n\nTo empower every Indian with the best financial solutions tailored to their unique conditions. We believe Loan Against Investments is an excellent starting point for this endeavor. Despite being ideal for the Indian market, this product is currently either not offered by financial institutions or when offered, is a very tedious process.\n\nWe aim to provide better financial products to customers by reimagining loans, credit cards, credit on UPI, and BNPL services in a way that can leverage their investments to unlock more value.\n\nUltimately, our goal is to evolve into the go-to destination for all Indian consumers seeking comprehensive financial solutions.\n\n### 👨‍💼 **About us**\n\n[Ashutosh](https://www.linkedin.com/in/ashutoshpurohit97/) started digging deep into the problem while he was working at one of the largest fintechs in India. He discovered over 30% of users who were taking a personal loan had active investments but they just weren’t aware of an option to take a loan against their investments. He quickly called the best coder he knew - [Aryan](https://www.linkedin.com/in/aryanag15/), who was running a capital management company, to join him to build something big! Apart from being from the same college, both of them have a shared passion for being deeply obsessed with financial products.\n\n![uploaded image](/media/?type=post&id=78731&key=user_uploads/1105961/cd36991d-f7a3-4d56-9eea-bdc9d3c6b11a)\n\n> In photo (left to right) - Ashutosh Purohit, Aryan Agarwal\n\nDownload [Yenmo](https://yenmo.in) today!  [Apple App Store](https://apps.apple.com/in/app/yenmo/id6477531049) | [Play Store](https://play.google.com/store/apps/details?id=in.yenmo&hl=en&gl=US)\n\nDon't let high-interest loans hold you back. Download Yenmo today and unlock the full potential of your investments, with easy access to liquidity when you need it most.", "url": "https://www.ycombinator.com/launches/KTr-yenmo-instant-loans-against-investments", "votes": 140, "created_at": "2024-02-25T22:44:18.512Z" } ] }, { "id": 28971, "name": "Kobalt Labs", "slug": "kobalt-labs", "former_names": [ "Suspense" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1c0b0e768a324b2566a3f866bf380445d3ae2fb8.png", "website": "https://www.kobaltlabs.com/", "all_locations": "New York City, NY, USA", "long_description": "Automate and strengthen manual risk and compliance operations for fintechs and banks. Given a third party contracts and documentation, Kobalt’s reasoning engine ingests internal policies and procedures, legal commitments, past privacy and compliance assessments, and syncs with external legislation to instantly auto-surface and track risks.\r\n\r\nWe're helping community/regional/sponsor banks increase revenue and scale their partnership and vendor volume, and we're helping fintechs conduct their partner diligence in 1/10 the time, all without needing to increase headcount.\r\n", "one_liner": "AI-powered risk and compliance for financial institutions", "team_size": 13, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1688528207, "tags": [ "Banking as a Service", "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Operations" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kobalt-labs", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/kobalt-labs.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kobalt-labs/", "x_url": "https://twitter.com/KobaltLabs", "fb_url": null, "cb_url": null, "github_url": "https://github.com/kobalt-labs/", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1c0b0e768a324b2566a3f866bf380445d3ae2fb8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 243286, "full_name": "Kalyani Ramadurgam", "title": "Founder", "founder_bio": "CEO of Kobalt Labs, previously AI research at Stanford, built financial security products at Apple, and built health data analysis tools used by governments of 13 countries at Zenysis.", "is_active": true, "linkedin_url": "https://linkedin.com/in/kalyani-ramadurgam-4a76331b5", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3f92f957466e7de44ac9ee2ca2b58bcb4f8e0171.jpg" }, { "user_id": 1350031, "full_name": "Ashi Agrawal", "title": "Founder", "founder_bio": "CTO of Kobalt Labs. Ex-Affirm, Nuna, Meta. Stanford BS in Computer Science.", "is_active": true, "linkedin_url": "https://linkedin.com/in/ashi-agrawal", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b3d821257887fb3ff04cd195327121e5a5a99e42.jpg" } ], "jobs": [ { "id": 110254, "title": "Customer Success", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/ZqSvrhd-customer-success", "location": "New York City", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 110255, "title": "Software Engineer (Full Stack)", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/NpKtQhi-software-engineer-full-stack", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 110256, "title": "Software Engineer (Backend)", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/16KxnbV-software-engineer-backend", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 110257, "title": "Software Engineer (Tech Lead)", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/JUfGs6N-software-engineer-tech-lead", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 110830, "title": "Marketing", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/Dg9bPNN-marketing", "location": "New York City", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 110832, "title": "Product Designer", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/KOQIZvJ-product-designer", "location": "New York City", "type": "Full-time", "role": "Design", "role_type": "Web design", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 110993, "title": "Financial Institution Partnerships", "url": "https://www.ycombinator.com/companies/kobalt-labs/jobs/Auqyum2-financial-institution-partnerships", "location": "Remote / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Kobalt Labs Joins the NayaOne Tech Marketplace", "url": "https://nayaone.com/kobalt-labs-joins-the-nayaone-tech-marketplace", "date": "Aug 12, 2024" } ], "launches": [] }, { "id": 28977, "name": "VaultPay", "slug": "vaultpay", "former_names": [ "Vault Pay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/30aabf918a32adb38f993512aceacaf1deb4d77c.png", "website": "https://vaultpay.io", "all_locations": "Kinshasa, Kinshasa, Democratic Republic of the Congo", "long_description": "Vaultpay is building a digital banking platform for 30 million smartphone users in DRC and the country's largest agent network. For example, a young Congolese entrepreneur who just won a subcontract with a major mining company can now easily open a personal and business account, receive payments, all from their smartphone, instead of spending hours at bank branches.", "one_liner": "Digital banking platform for the 30 million smartphone users in DRC.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1689166687, "tags": [ "Fintech", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Democratic Republic of the Congo", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/vaultpay", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/vaultpay.json", "year_founded": 2023, "city": "Kinshasa", "country": "CD", "linkedin_url": "https://www.linkedin.com/company/getvaultpay", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/30aabf918a32adb38f993512aceacaf1deb4d77c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/ff56154d9ec5fe26ad394687c5f9225120238bc7.png" ], "primary_partner": null, "founders": [ { "user_id": 350695, "full_name": "Ntambwa Basambombo", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://linkedin.com/in/ntambwa-basambombo-1371b952", "x_url": "https://twitter.com/ntambwabasa", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d4cb96d76aa917ffe46b5ae238df19a6180e9b53.jpg" }, { "user_id": 1259800, "full_name": "Christel Ilaka", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://linkedin.com/in/christelilaka", "x_url": "https://twitter.com/chrisilaka", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/48e938228319f323588de4f538fa61437dbda479.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 97421, "title": "VaultPay: Digital banking for Central Africa", "tagline": "We’re building Square for Central Africa", "body": "VaultPay is a digital banking platform bringing Visa cards and modern financial services to the Democratic Republic of Congo, a country of 120 million people where 85% remain unbanked, and 90% of transactions happen in US dollars.\n\n**The Problem**\n\nThe DRC has been overlooked by the fintech industry. While mobile money dominates most of Africa with razor-thin margins, the DRC's dollarized economy means our users transact at an average of $40/month, nearly 3x Nigeria's $15 average. Higher transaction values mean healthy unit economics from day one.\n\n**What We Built**\n\nThink Apple Wallet meets CashApp. We offer virtual and physical Visa cards, USD and CDF accounts, and we're rolling out an agency banking network that transforms local businesses into cash-in/cash-out points, following the Square model for Africa.\n\n![uploaded image](/media/?type=post&id=97421&key=user_uploads/350695/198f0423-193f-4546-8c38-c6c46dc243bc)\n\n**Traction**\n\nWe launched in Q4 2025. In four months, with zero marketing spend:\n\n* 17,000+ users signed up\n* $20K MRR\n* 80% are accessing formal financial services for the first time\n\n**Why Now**\n\nWe're the first startup to secure a full payment license from the Central Bank of Congo, rather than operating under another bank's license, as most African fintechs do. This opened doors: Visa invested in our launch and is finalizing a deal recognizing us as their distribution partner for DRC expansion. Ecobank, one of Africa's largest banks, chose us to power its card experience, integrating its CashXpress program ($15M in monthly cash-in volume) into our platform.\n\n**Team**\n\nWe left Airbnb and Google in Silicon Valley to build this. Backed by YCombinator, Tekedia Capital, Michael Seibel, executives from SoFi, Airbnb, and CashApp, and engineers from Google DeepMind, Meta, and Uber.\n\n![uploaded image](/media/?type=post&id=97421&key=user_uploads/350695/9bb15e33-5144-43ed-b8f1-c75f8fd8f2ba)\n\nAI collapsed what should have taken years into months. We own our entire stack, including product, KYC, analytics, customer service, and data science, all with a very small team.\n\n**The Opportunity**\n\nEveryone chases the same markets in Africa. Meanwhile, we're building the financial rails for an entire nation before others catch on. That is our moat. DRC is currently undergoing a massive nationwide digital transformation and is one of the continent's largest consumer markets.\\\n\\\n**Our Ask**\n\nWe're raising our seed round to accelerate distribution across the DRC and Central Africa. If you're an investor excited about the largest untapped fintech market on the continent, we'd love to talk.\n\nIf you want to join a fast-growing startup building the financial foundations of an entire region, we're hiring.\n\nEmail: [ntambwa@vaultpay.io](mailto:ntambwa@vaultpay.io) / [cilaka@vaultpay.io](mailto:cilaka@vaultpay.io) / [founders@vaultpay.io](mailto:founders@vaultpay.io)", "url": "https://www.ycombinator.com/launches/PLJ-vaultpay-digital-banking-for-central-africa", "votes": 33, "created_at": "2026-02-03T03:34:29.381Z" } ] }, { "id": 29000, "name": "SafetyKit", "slug": "safetykit", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e6e9147312768cd270c02c7f00e0de9c130d05d.png", "website": "https://www.safetykit.com/", "all_locations": "San Francisco, CA, USA", "long_description": "SafetyKit's AI agents do the dirty work for big tech and finance companies so humans don't have to.\r\n\r\nToday companies rely on armies of low-paid outsourced humans to protect their platforms from fraud, harassment, and crime. It’s super important work, but the jobs are difficult and sometimes traumatizing, and it’s impossible to keep up. Our mission is to end this manual toil.\r\n\r\nWe learned this domain first-hand at Stripe and Airbnb, where first we built software for human reviewers, and then built models to replace them.\r\n\r\nWe’re a group of engineers from Stripe, Meta, Netflix, MIT, and Princeton that love language models and unironically love B2B SaaS. We know the economy is going to be rearranged over the next 4 years and we want to be in the driver’s seat.\r\n\r\nWe build vertical AI that works and have some of the world’s largest companies as paying customers. Patreon, Eventbrite, Upwork, Character.ai, Substack, Faire, along with a $10B+ marketplace, a $100B+ payments company, and more rely on SafetyKit in production.", "one_liner": "AI agents for risk, compliance, and safety", "team_size": 10, "industry": "B2B", "subindustry": "B2B", "launched_at": 1687827774, "tags": [ "Fintech", "Compliance", "Trust & Safety" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/safetykit", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/safetykit.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2e6e9147312768cd270c02c7f00e0de9c130d05d.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": 229727, "full_name": "David Graunke", "title": "Founder", "founder_bio": "David led engineering for risk reviews at Stripe for fraud, credit, content moderation, and financial crimes. He built the policy and workflow engine that scaled Stripe from internal reviewers to thousands of outsourced vendor agents.\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/david-graunke-46790429", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/74280d7f5e615ac603ec8f6a3bef6130e7e52d34.jpg" }, { "user_id": 62739, "full_name": "Steven Guichard", "title": "Founder", "founder_bio": "Steven is a cofounder of SafetyKit, working to replace human risk reviewers with language models.\n\nPreviously he worked at Carbic as the first software engineer and later as the CEO. There he helped build ultrasonic flow sensors which were installed on oil pipelines and offshore rigs around the world.\n\nSteven also cofounded Thomas Street, a software design and engineering consultancy, where he worked with companies like Cisco, Roche, and DirecTV.", "is_active": true, "linkedin_url": "https://linkedin.com/in/stevenguichard", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ed82d81d2471d918a51f0385913aad07ed1a7906.jpg" } ], "jobs": [ { "id": 75704, "title": "Full Stack Engineer, Intern Summer 2026", "url": "https://www.ycombinator.com/companies/safetykit/jobs/eQpUzRD-full-stack-engineer-intern-summer-2026", "location": "San Francisco, CA, US", "type": "Internship", "role": "Engineering", "role_type": "Full stack", "salary_range": "$12.5K - $16.5K / monthly", "equity_range": "", "experience": null, "visa": "Will sponsor", "skills": [ "Amazon Web Services (AWS)", "TypeScript", "SQL" ] }, { "id": 88979, "title": "Business Development Representative (BDR)", "url": "https://www.ycombinator.com/companies/safetykit/jobs/7FWTRS8-business-development-representative-bdr", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$120K - $200K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88981, "title": "Growth Lead", "url": "https://www.ycombinator.com/companies/safetykit/jobs/fg68qhB-growth-lead", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$120K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 89716, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/safetykit/jobs/HBtkq9l-account-executive", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$150K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "SafetyKit | SafetyKit Raises $27m to Make AI do Tech's Dirty Work", "url": "https://www.safetykit.com/resources/safetykit-raises-27m-to-make-ai-do-techs-dirty-work", "date": "Jun 02, 2025" } ], "launches": [] }, { "id": 29002, "name": "Envelope", "slug": "envelope", "former_names": [ "Envelope Money" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2e740f2179bdee63c6c4fcdf1727acdeb9510d9.png", "website": "https://envelopebudgeting.com/", "all_locations": "Phoenix, AZ, USA", "long_description": "Envelope is a budgeting app with built-in checking and debit cards. It helps people organize real money into digital envelopes, plan ahead for bills and everyday spending, and control spending before it happens, instead of only tracking transactions after the money is gone.", "one_liner": "Budgeting app with built-in banking", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1691448232, "tags": [ "Fintech", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/envelope", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/envelope.json", "year_founded": 2022, "city": "Phoenix", "country": "US", "linkedin_url": "https://www.linkedin.com/company/envelope-money/", "x_url": "https://twitter.com/envelopemoney", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2e740f2179bdee63c6c4fcdf1727acdeb9510d9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/fbeaf68f314a220a06e0e4d319dc7b8e7fd6bae4.png" ], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 900173, "full_name": "Katelyn Strobel", "title": "Founder", "founder_bio": "Cofounder/CEO at Envelope. I love money and helping people keep more of it. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/katelynstrobel", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bd8b9dd81e7dbf7aa64f0398d989656613c8f8e3.jpg" }, { "user_id": 226037, "full_name": "Josh Strobel", "title": "Founder", "founder_bio": "Technical cofounder & CTO at Envelope, an iOS budgeting app with built-in checking accounts and debit cards for individuals and families. Previously worked on the Robinhood and Twitter iOS apps.\n\nOther places I've been\n- Tesla (shop.tesla.com)\n- Microsoft (Edge Browser & Windows Server)\n- Adobe (Adobe Analytics)", "is_active": true, "linkedin_url": "https://linkedin.com/in/joshuakcockrell", "x_url": "https://twitter.com/joshuakcockrell", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cc0a244447fec1067e4ddfa275afca5536efd587.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 73974, "title": "Envelope ✉️ Budgeting app with built-in banking", "tagline": "A budgeting app with a built-in checking account and debit cards, so your money stays organized and managing your finances feels effortless.", "body": "**TLDR** We're a consumer budgeting app with built-in banking.\n\n**PROBLEM**\n\nSaving, investing, and meeting wealth milestones are critical for good financial health, but are often boring or stress-inducing. It doesn’t pack the same dopamine punch as 2% cash back. This leaves us with a gaping disparity between the average total consumer debt of $101,915 and the 63 percent of Americans who don't have enough saved to cover a $500 financial setback.\n\nWe— [**@Josh Cockrell Strobel**](https://www.linkedin.com/in/joshuakcockrell/) and [**@Katelyn Strobel**](https://www.linkedin.com/in/katelynstrobel/)— run a 75K+ subscriber YouTube channel, and have vlogged our personal finance journey as a couple in Silicon Valley. We were constantly getting asked which tools we recommended for managing our finances. At that point, we had tried everything and were frustrated with the existing solutions. We had nothing we could confidently recommend.\n\nSo, we decided to use our backgrounds in consumer fintech (Katelyn worked on marketing projects for Apple Card, Acorns, and Digit, and Josh worked as a programmer on the Robinhood & Twitter iOS apps) to create our personal finance platform.\n\n![uploaded image](/media/?type=post&id=73974&key=user_uploads/226037/e515a2c0-56a8-4a59-ac75-cb2df7c7818f)\n\n**SOLUTION**\n\n**We make good financial behavior fun, measurable, and addicting.**\n\nThrough our banking partners\\*, our app employs an FDIC-insured checking account and Visa card to serve as the central hub of your finances, and our budgeting features and analytics enhance the experience by aligning you with your dream financial life. We facilitate all of this through a digital “cash” envelopes system, custom goals, and tailored analytics.\n\n![uploaded image](/media/?type=post&id=73974&key=user_uploads/900173/a155aa83-8955-4649-85da-64ecf0cf22a3)\n\n**ASKS**\n\n* **Download our iOS and Android apps** at \n* **Leave us a ⭐⭐⭐⭐⭐ review** on the App Store and Play Store.\n* **Share this post!**\n\n\\*Banking services provided by Envelope’s partner banks, Members FDIC. Card Services are issued by Envelope’s partner banks, pursuant to a license from Visa.", "url": "https://www.ycombinator.com/launches/JF8-envelope-budgeting-app-with-built-in-banking", "votes": 107, "created_at": "2023-08-09T20:48:14.629Z" } ] }, { "id": 29042, "name": "Santé", "slug": "sante", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d10be62025bd08a71a16a6b40cd46744ed418b47.png", "website": "https://santehq.com/", "all_locations": "New York City, NY, USA", "long_description": "", "one_liner": "All-in-one POS for liquor stores", "team_size": 20, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1684850998, "tags": [ "Fintech", "SaaS", "B2B", "Retail" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Retail" ], "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/sante", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/sante.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d10be62025bd08a71a16a6b40cd46744ed418b47.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 944994, "full_name": "Darren Fike", "title": "Founder", "founder_bio": "10 years of Sales and Marketing experience at startups like Fast and Bond. \n\nCurrently: Co-Founder / CEO of Santé; Toast for liquor stores. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/darrenfike", "x_url": "https://twitter.com/darrenfike", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/46f25949476ef21e88a9939fe30391f32bde160c.jpg" } ], "jobs": [ { "id": 79917, "title": "Sales Development Representative", "url": "https://www.ycombinator.com/companies/sante/jobs/7rJnVUS-sales-development-representative", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $120K", "equity_range": "0.15% - 0.25%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 85970, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/sante/jobs/oxtGcli-account-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$120K - $150K", "equity_range": "0.10% - 0.25%", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 86945, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/sante/jobs/QnEEC9K-forward-deployed-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "QA engineer", "salary_range": "$80K - $120K", "equity_range": "0.10% - 0.25%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102678, "title": "Customer Experience Manager", "url": "https://www.ycombinator.com/companies/sante/jobs/hZPgZ7E-customer-experience-manager", "location": "New York, NY, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$80K - $100K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103671, "title": "Head of Content", "url": "https://www.ycombinator.com/companies/sante/jobs/p2P43c9-head-of-content", "location": "New York, NY, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$100K - $150K", "equity_range": "0.10% - 0.20%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 105460, "title": "Applied AI Engineer", "url": "https://www.ycombinator.com/companies/sante/jobs/uqzHIY0-applied-ai-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$230K - $300K", "equity_range": "0.10% - 0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 105461, "title": "Senior Engineer - Money Movement", "url": "https://www.ycombinator.com/companies/sante/jobs/244pt5F-senior-engineer-money-movement", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$230K - $300K", "equity_range": "0.10% - 0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 105462, "title": "Founding Growth Marketer", "url": "https://www.ycombinator.com/companies/sante/jobs/JZuHyLJ-founding-growth-marketer", "location": "New York, NY, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$100K - $150K", "equity_range": "0.10% - 0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112874, "title": "Product Designer", "url": "https://www.ycombinator.com/companies/sante/jobs/sZ66lLT-product-designer", "location": "New York, NY, US", "type": "Full-time", "role": "Design", "role_type": "Product design", "salary_range": "$120K - $160K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 73086, "title": "Santé - The all-in-one POS for liquor stores", "tagline": "Manage your business in one powerful application specifically built for liquor stores.", "body": "# Overview\n\nSanté is the all-in-one POS for liquor stores. Our mission at Santé is to empower tens of thousands of liquor store owners to run their businesses more efficiently using modern software.\n\n# Problem\n\n91% of liquor stores are independently owned and operated. Stores are often understaffed and rely on antiquated systems to manage day-to-day operations. A few examples of common problems for liquor stores:\n\n* Spending hours per week on manual data entry for inventory receiving and creating purchase orders.\n* Dealing with complex interstate regulations to sell liquor online (a growing trend).\n* Working with poor integrations for local delivery (Drizly, DoorDash, Instacart, etc).\n* Mishandling products at checkout because many beers/wines do not have barcodes.\n* Losing sales due to poor integration between their POS and marketing tools.\n* Losing a meaningful portion of their inventory to theft ($5B+ lost across the industry annually).\n\nIn fact, one of our early customers called this industry a “dinosaur industry” after sending us this picture:\n\n![uploaded image](/media/?type=post&id=73086&key=user_uploads/944994/e85195fe-bd46-4385-9b1f-6fc29d05eff4)\n\n# Solution\n\nWe’re helping independent liquor stores run thriving businesses with a POS built from the ground up to serve their specific needs:\n\n* **Simple Receiving:** Saving hours per week with automated inventory receiving and purchase order management\n* **Theft Monitoring:** Using RFID tags on every bottle to track when stolen bottles are leaving the store\n* **Compliance Management:** Source of truth on state-by-state shipping so that stores can open a new revenue stream and ship to all available states across the country\n* **Robust integrations:** Cutting costs by giving store owners all the tools they need to run their business with one subscription to Santé\n\n# Founders\n\n[@Darren](https://www.linkedin.com/in/darrenfike/), Santé’s CEO, was the top sales rep at his last two startups, and he has a passion for wine. Last year, he realized that his favorite local liquor stores in NYC still heavily rely on pen and paper. To learn more about the problem, he spent the next four months working at Frankly Wines on nights and weekends and interviewed over a hundred liquor store owners.\n\n[@Antoine](https://www.linkedin.com/in/antoinebalaresque/), Santé’s CTO, is a UC Berkeley alum and has founded multiple startups in the past in robotics, e-commerce, and SaaS. He is originally from France.\n\n# Give us a hand!\n\nHave any friends or family that work in the liquor store industry that would be interested in a casual discovery call? \n\nReach out to Darren at [darren@santehq.com](mailto:darren@santehq.com) to coordinate an intro. ", "url": "https://www.ycombinator.com/launches/J0o-sant-the-all-in-one-pos-for-liquor-stores", "votes": 28, "created_at": "2023-07-14T18:31:57.403Z" } ] }, { "id": 29071, "name": "Cedalio", "slug": "cedalio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/253ca8c2833042159f28652e47d94970cc10b5cc.png", "website": "https://cedalio.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Cedalio is the AI agent platform for the Office of the CFO. We automate procurement, AP, and the data flows behind them — from invoice intake to 3-way match to payment — so finance teams stop doing the work and start governing it.", "one_liner": "AI agents that automate AP, procurement, and finance", "team_size": 6, "industry": "B2B", "subindustry": "B2B", "launched_at": 1685752888, "tags": [ "Fintech", "Finance", "Data Engineering", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B" ], "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/cedalio", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/cedalio.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/cedalio/", "x_url": "https://twitter.com/CedalioTech", "fb_url": null, "cb_url": null, "github_url": "https://github.com/cedalio/", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/253ca8c2833042159f28652e47d94970cc10b5cc.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": 1337055, "full_name": "Luciana Reznik", "title": "Founder", "founder_bio": "Luciana is CEO at Cedalio, the AI agent platform for the Office of the CFO. Cedalio automates procurement, accounts payable, and the data flows behind them. Software engineer originally from Argentina, living in the Bay Area since 2018. Previously co-founded Wolox, an end-to-end digital solutions company that was acquired by Accenture in Jan 2021.", "is_active": true, "linkedin_url": "https://linkedin.com/in/lucianareznik", "x_url": "https://twitter.com/LucianaReznik", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b87defc43b3b56797ee4aec96ae067a37e1bbd7a.jpg" }, { "user_id": 1355920, "full_name": "Nico Magni", "title": "Founder", "founder_bio": "Hello! I'm Nico Magni, the Chief Product Officer (CPO) at Cedalio, a database that tracks every application data change, and maintains an immutable and verifiable history. As a software engineer, I am passionate about building innovative solutions that tackle real-world challenges. \n\nI had the opportunity to sell my previous company to Accenture, where I gained invaluable experience in successfully scaling and delivering high-quality products.\n\nCurrently based in Patagonia, Argentina.", "is_active": true, "linkedin_url": "https://linkedin.com/in/nicomagni", "x_url": "https://twitter.com/nicomagni", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b50b0e99062e30e6076be3a4f9199d4d49e1f1c6.jpg" }, { "user_id": 1355935, "full_name": "Guido Marucci Blas", "title": "Founder", "founder_bio": "CTO & co-founder at Cedalio. Previously CTO & co-founder at Wolox (acquired by Accenture). Argentinean. Passionate about building amazing developer experiences, lowering the barrier to entry to web3 and working in the intersection of developer tools and data privacy. When I'm not working I love going outdoors ⛰️, playing the guitar 🤘 and hanging out with friends! ", "is_active": true, "linkedin_url": "https://linkedin.com/in/guidomb", "x_url": "https://twitter.com/guidomb", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e690e1ce5a76e9f177c6960b95b28ba7dc9ee2c0.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 75973, "title": "Cedalio: where sustainability meets data", "tagline": "Unify, automate, verify — your trusted data platform for ESG", "body": "Dear YC Community,\n\nWe're elated to present our latest offering. Cedalio's core technology has always been centered around a blockchain-enabled database ensuring data **transparency, verification, and integrity**. With our latest launch, we've taken this a step further.\n\n![uploaded image](/media/?type=post&id=75973&key=user_uploads/1337055/0181388c-9132-4361-9ee1-31ad7602713f)\n\n\\\nKey Features:\n\n* **AI data extraction:** Leverage our AI-powered data extraction capabilities to seamlessly collect information from various sources – from utility bills to supplier forms. Our automated consolidation feature integrates with your existing systems, centralizing all data into a single source of truth. Say goodbye to manual data wrangling and hello to real-time, centralized information.\n* **Radical Transparency:** Trust is the foundation of sustainability. Our platform leverages blockchain technology to create an immutable, auditable trail of your data transactions. Enhance transparency and build credibility with stakeholders, knowing your information is accurate, secure, and tamper-proof.\n* **AI-Assisted Reporting:** Unlock the power of your data with our AI-assisted reporting tools. Generate comprehensive, auditable reports tailored to your specific needs, or export data in your preferred format for in-depth analysis.\n\n\n\nThe development of our product was largely influenced by the feedback and insights we received from our partners in the traceability sector. Their challenges in ensuring transparent ESG reporting and undeniable proof of product origins drove us to create a solution that addresses these pain points head-on.\n\nWe invite you to delve deeper into Cedalio, explore its features, and contact us if you see any way of collaborating.\n\nWarm regards,\n\nThe Cedalio Team", "url": "https://www.ycombinator.com/launches/JlN-cedalio-where-sustainability-meets-data", "votes": 11, "created_at": "2023-11-06T16:05:26.769Z" }, { "id": 72841, "title": "💥 Cedalio — A blockchain empowered alternative to Firebase", "tagline": "Build apps with data that is auditable and verifiable by default", "body": "[Cedalio](https://www.cedalio.com) is a platform that helps you build apps with information that is auditable by default. Data used in your application can be traced back to its origin for verification. Even more, with us you can give your users real ownership and portability of their data across different applications.\n\n## 📚 **TL;DR**\n\n* Cedalio provides companies with the tools to build trust and accountability by offering transparent, auditable data.\n* With Cedalio, organizations prioritizing user privacy can empower users with true ownership of their data, promoting its portability across various applications.\n* By storing access control information on-chain, Cedalio ensures a censorship-resistant database, safeguarding information integrity.\n\n![uploaded image](/media/?type=post&id=72841&key=user_uploads/1337055/6fdf4c1c-3f4b-474e-89b1-66ff7ef1d6ce)\n\n**_Interested? →_** Get started now at [**www.cedalio.com**](http://www.cedalio.com)\\\n**Do you have a new use case in mind? →** Let us know on our [**Discord**](https://discord.gg/kSdhmb9UUT)\\\n**_Do you want how it works under the hood? →_** Read our [**DocSite**](https://docs.cedalio.com/introduction/about-cedalio)\n\n## 👩‍💻 **How do we do it:**\n\n* **Verifiable data:** field-level certifications offers a means to validate the data's integrity, creating trust and assurance in the accuracy of the information.\n* **On chain access controls**: the access control rules are stored in a smart contract, ensuring a censorship-resistant database.\n* **On chain log:** by recording a detailed log of transactions on the blockchain, we enable auditability and the ability to reconstruct the database if needed.\n\n ![uploaded image](/media/?type=post&id=72841&key=user_uploads/1337055/4b89dc51-7589-4412-9563-628a4e601507)\n\n\n## 🤑 **Backed by the best**\n\nSome of our early investors and believers include:\n\n* Y Combinator\n* Guillermo Rauch, CEO @Vercel\n* Esteban Ordano, CEO @Decentraland\n* Demian Brener, CEO @OpenZepellin\n\nFeel free to reach out to us with any questions or to learn more about Cedalio.\n\n_Join our _[_Discord_](https://discord.gg/kSdhmb9UUT)_ or shoot us an email_", "url": "https://www.ycombinator.com/launches/Iwr-cedalio-a-blockchain-empowered-alternative-to-firebase", "votes": 85, "created_at": "2023-07-07T00:02:03.539Z" } ] }, { "id": 29086, "name": "Eden Care", "slug": "eden-care", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7fa49eb2930eeded02c619636a22909358301f3b.png", "website": "https://www.edencaremedical.com/", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "Eden Care is building the claims infrastructure for African health insurance ", "one_liner": "Claims infrastructure for African health insurance", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1687277447, "tags": [ "Fintech", "Health Insurance", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Kenya", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/eden-care", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/eden-care.json", "year_founded": 2022, "city": "Nairobi", "country": "KE", "linkedin_url": "https://www.linkedin.com/company/edencaremedical/?viewAsMember=true", "x_url": "https://twitter.com/edencaremedical", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7fa49eb2930eeded02c619636a22909358301f3b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/32d8553d147f9813494bc88a74f31afc506e6b7a.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 584359, "full_name": "Moses Mukundi", "title": "Founder", "founder_bio": "I founded my first startup, an agritech startup, at 23 that scaled to profitability and was acquired in 2017. I spent 6 years in the insurance and healthcare verticals in Africa before pursuing my MBA at Wharton Business School. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/mosesmukundi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/92dbf4e853015c0ebd369988003ecaa2eb7b42c0.jpg" } ], "jobs": [], "news": [ { "title": "Eden Care: Y Combinator's latest health insurance bet in Africa", "url": "https://techcabal.com/2023/08/26/eden-care-medical-y-combinators-latest-health-insurance-bet-in-africa/", "date": "Aug 26, 2023" }, { "title": "Eden Care becomes first Rwandan company to join Y Combinator", "url": "https://www.benjamindada.com/eden-care-y-combinator-first-rwandan/", "date": "Jul 04, 2023" } ], "launches": [ { "id": 72392, "title": "Eden Care - Digital health insurance for employers in Africa", "tagline": "Saving employers time and money with better, cheaper health insurance", "body": "**Tl;dr:** Eden Care offers digital health insurance to employers in Africa. We are making health insurance cheaper by building a new tech stack that reduces the cost of insurance operations by 43%. In 6 months since launch, we have $2.1M in gross premiums and growing 100% month-on-month. Check out [Eden Care](https://www.edencaremedical.com/) today.\\\n—\n\nHello, I am Moses Mukundi, and my team and I are building [Eden Care](https://www.edencaremedical.com/). We are on a mission to provide access to affordable quality health insurance to the 90 million uninsured African employees. See some of our team below:\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/6d025c95-c4e5-41e1-9052-b7f58978a690)\n\n**Problem: Underserved**\n\nAfrican insurance cost of operation (claims, distribution, and fraud cost) is 2.2x the global average resulting in expensive insurance. No wonder, health insurance penetration in Africa is 0.2%, 15x lower than emerging market peers. \n\nThis $11 billion industry hasn’t modernized (manual, limited customer insights, and high fraud waste and abuse) and has largely focussed on large companies and high network individuals, leaving out the majority of Africans. There’s a need for a new solution for Africans to increase health insurance uptake.\n\n**Our Solution: Digital infrastructure that automates the entire value chain**\n\nEden Care is a full-stack licensed health insurer. We are building a new tech that reduces our cost operation by 43% resulting in cheaper cover. \n\nWe have deployed tech infrastructure across 3 main users - HR& admin teams, employees, and healthcare facilities. This enables us to automate the majority of our processes reducing cost but also improving customer experience. \n\n**For HR teams**, we provide them with a portal to easily manage the health benefits of their team.\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/17e2bd51-fcc1-4ad0-8dff-946759a190b3)\n\n**For employees and their dependents**, we provide them with an app that helps them access and navigate healthcare, participate in Eden Care’s wellness and prevention program, and earn/redeem rewards.\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/3aa361ff-2a28-440f-b060-660a4cc70ebd)\n\n**For service providers**, we have provided an end-to-end digital tool that enables them to quickly serve our members and digitally complete all their processes on our system — eliminating the majority of manual processes and paper, automating the majority of the tasks, and saving time and money.\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/6a47735f-0923-4997-8c72-081a79109571)\n\nWith this data-rich view, we can:\n\n1. automate >90% of all back-end insurance processes enabling us to deliver real-time decision-making and personalized health nudges\n2. intervene at the point of service to prevent fraud, waste, and abuse \n3. deliver better underwriting and products more relevant to user needs.\n4. Develop AI tools to improve stakeholder experience while lowering ops cost even further\n\n**The opportunity: Right time to build Eden Care**\n\n1. 22 Africans will transition to middle-income status by 2030. This transition is associated with a 7x growth in health insurance spend.\n2. SMEs are formalising at a faster rate and buying insurance for their teams for the first time. This is the largest insurance opportunity in Africa and is where Eden Care is positioning itself to be the segment leader. \n3. Rapid digitisation of healthcare facilities and end users is for the first time enabling the deployment of end-to-end digital health infrastructure. \n4. 310 million Africans will be middle class by 2030. The majority are young digital native families buying insurance for the first time. Eden Care is becoming the default insurer for this group.\n\n**Ask: How you can help us**\n\n1. Share this post! Please help spread the word, as you never know who it may help.", "url": "https://www.ycombinator.com/launches/Ipc-eden-care-digital-health-insurance-for-employers-in-africa", "votes": 19, "created_at": "2023-06-20T18:45:31.877Z" } ] }, { "id": 29090, "name": "Trayd", "slug": "trayd", "former_names": [ "Trayd", "TRAYD" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0a9f2865966789c4edf9a5fb78aced71bf8c4d9.png", "website": "https://www.buildtrayd.com/", "all_locations": "New York City, NY, USA", "long_description": "Trayd is building the operating system for commercial construction: payroll, compliance, and back office workflows that actually work in the real world.\r\n\r\nConstruction is one of the biggest industries in North America (valued at $2T+), and it still runs on a messy mix of spreadsheets, legacy payroll providers, and manual processes that break the moment things get even slightly complex. The people doing the work are the hardest working people in the country, and the companies running crews are forced to spend hours every week fighting systems that were never built for them.\r\n\r\nWe’re changing that.\r\n\r\nTrayd started with a simple promise: construction workers should be able to access the money they already earned faster, and subcontractors should be able to run payroll without chaos. Today, we’re building deeper infrastructure across payroll, union rules, job costing, and accounting workflows so our customers can run their businesses with confidence.", "one_liner": "A construction payroll and compliance platform built for specialty…", "team_size": 34, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1689535318, "tags": [ "Fintech", "SaaS", "Construction", "Proptech", "Payroll" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/trayd", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/trayd.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/buildtraydllc/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0a9f2865966789c4edf9a5fb78aced71bf8c4d9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/8ab43a4fd37381a69b78afd386d10c31228ad8b1.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/bc79befc735df674406e2a70a6fc00c93c7888f9.png" ], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1435469, "full_name": "Anna Berger", "title": "Founder", "founder_bio": "2x founder | product and growth hacker \n\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/anna-berger-39497a72", "x_url": "https://twitter.com/annajberger3?s=21", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f5dba3384ee3eaa3075442c0f45ba9d4b75082f7.jpg" }, { "user_id": 1434148, "full_name": "Cara Kessler", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://linkedin.com/in/carakessler", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/522fecb28f766d740937d735a8839bb520912153.jpg" } ], "jobs": [ { "id": 89198, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/trayd/jobs/1Ez3l4b-senior-software-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $220K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Node.js", "React", "React Native", "TypeScript" ] }, { "id": 91081, "title": "Implementations Analyst", "url": "https://www.ycombinator.com/companies/trayd/jobs/2DvQ0jQ-implementations-analyst", "location": "Manhattan, United States", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$85K - $100K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 91083, "title": "Senior Implementations Analyst, Enterprise", "url": "https://www.ycombinator.com/companies/trayd/jobs/9lEwtm5-senior-implementations-analyst-enterprise", "location": "Manhattan, United States", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$120K - $130K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 106604, "title": "AI Support Specialist", "url": "https://www.ycombinator.com/companies/trayd/jobs/AoVlEfg-ai-support-specialist", "location": "Manhattan, United States", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$70K - $80K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Exclusive: YC Doubles Down On Trayd, A Construction Tech Startup That Just Raised $10M In 3 Weeks", "url": "https://news.crunchbase.com/venture/construction-tech-automation-trayd-ai-seriesa/", "date": "Mar 25, 2026" }, { "title": "3 - Empowering Construction Payroll with Trayd - YouTube", "url": "https://www.youtube.com/watch?v=LSXho1Bpwv4", "date": "Mar 18, 2024" }, { "title": "Trayd", "url": "https://read.unicorner.news/p/trayd", "date": "Mar 11, 2024" }, { "title": "Why Y Combinator alumni, Anna Berger, is reinventing construction payroll - YouTube", "url": "https://www.youtube.com/watch?v=cqDGLtWy_M4", "date": "Mar 07, 2024" }, { "title": "Top Risk Management Tools For Construction | aec+tech", "url": "https://www.aecplustech.com/blog/top-risk-management-tools-for-construction", "date": "Feb 28, 2024" } ], "launches": [ { "id": 73344, "title": "Trayd 🏗️ Construction payroll designed for same-day pay", "tagline": "Trayd reinvents traditional construction payroll, creating financial opportunity for subcontractors and their workers.", "body": "### **TL;DR:**\n\nTrayd is reinventing construction payroll for the betterment of all key players. For commercial real estate subcontractors, Trayd generates back office efficiencies with a platform that manages workforce attendance and payroll. For workers, Trayd offers instant access to their earned wages. Win-Win.\n\nWe are Anna Berger and Cara Kessler, the team behind @Trayd and we are on a mission to digitize construction payroll in order to power a better financial future for subcontractors and their workers.\n\n![uploaded image](/media/?type=post&id=73344&key=user_uploads/1435469/811e72a1-0fc1-4b73-ab24-27b7ed95567f)\n\n### 🚨**Problem**🚨\n\nWithin commercial real estate, demand for work is at an all-time high. In the last year, total construction spend in New York City reached $86BN and it keeps on climbing. That said, construction subcontractors are ill-equipped to handle the influx of work, with only 17% of them using digital tools to manage their back office. This lack of tech adoption is leading to work stoppages and high attrition, resulting in major revenue loss.\n\nTo make matters worse, construction employment still lags behind pre-covid levels. Of those that remain, highly skilled workers are choosing to leave the trades in search of more control over their cash flow, for example, gig economy jobs that allow them to work when they want and get paid instantly.\n\n### **🏗️ Our Solution** 🏗️\n\nTrayd is new type of construction payroll platform, designed to incentivize all key players. Through a closed loop system, Trayd tracks workers’ daily attendance in order to power real-time payroll automation. By merging time and payroll data into one system, subcontractors save tens of hours a week on manual back office work. As an added bonus, because Trayd authenticates attendance in real-time, Trayd can offer instant payment options to the workforce.\n\n![uploaded image](/media/?type=post&id=73344&key=user_uploads/1435469/5ed2d168-f70d-4752-b949-09d093ba8d81)\n\n![uploaded image](/media/?type=post&id=73344&key=user_uploads/1435469/92cdb561-b705-4aca-9ce1-c33f875435b9)\n\n### 📖 **The Backstory** 📖\n\nBorn into a construction family and close to the problems that plague subcontractors and workers on a daily basis, our team is excited to modernize construction back office operations while simultaneously offering financial tools and opportunities to subcontractors and workers.\n\n### **Asks 🙏**\n\n* Know anyone in the construction industry? We’d love to speak to any general contractors, subcontractors, construction workers, or developers about their day-to-day experiences. Send any leads to [anna@buildtrayd.com](mailto:anna@buildtrayd.com)\n* Follow along on our journey! → \n\nIf you have any questions, reach out! We’d love to hear from you.", "url": "https://www.ycombinator.com/launches/J4y-trayd-construction-payroll-designed-for-same-day-pay", "votes": 43, "created_at": "2023-07-24T15:14:09.940Z" } ] }, { "id": 29092, "name": "dili", "slug": "dili", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e905bd15e69e145959bbab0b2b161c61c3dd16c.png", "website": "https://www.dili.com", "all_locations": "New York City, NY, USA", "long_description": "Dili (YC S23) is building the most reliable AI automation for compliance in real-world industries.\r\n\r\nAcross energy, infrastructure, datacenters, advanced manufacturing, and construction, Dili has run prevailing wage, apprenticeship, & other labor compliance to help customers secure over $1 billion in federal funding.\r\n\r\nDili is building the AI system of record to help physical industries track compliance, analyze labor and spend, run payroll, and more. ", "one_liner": "Automating Compliance for Construction", "team_size": 15, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1686681508, "tags": [ "Fintech", "B2B", "Compliance", "Energy", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/dili", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/dili.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/dili-ai/", "x_url": "https://twitter.com/dili_ai", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/dili-e466", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9e905bd15e69e145959bbab0b2b161c61c3dd16c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/6c8352b3b1beae02ba227c90161f5c2a41e30041.png" ], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 312266, "full_name": "Anand Chaturvedi", "title": "Founder/CEO", "founder_bio": "Anand Chaturvedi is the Co-Founder & CEO of Dili working in New York, NY. Anand led engagement growth at Coinbase (S12) to increase revenue by $50M, and built out KYC/AML systems. Previously, Anand has conducted ML research at Apple, working on new hardware products. Anand is a fellow at Kleiner Perkins, and holds a Bachelor's & Master's in Machine Learning from Georgia Tech.", "is_active": true, "linkedin_url": "https://linkedin.com/in/anandchaturvedi1", "x_url": "https://twitter.com/metanand", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2ca2da781fefc7d0c8c5e13645f68d3b19964d31.jpg" }, { "user_id": 622827, "full_name": "Brian Fernandez", "title": "Founder", "founder_bio": "Building compliance automation that keeps America’s big projects moving.", "is_active": true, "linkedin_url": "https://linkedin.com/in/brianfernandez1", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/77ad83f3bb203ba0822fbdce07ca643bfb8d309d.jpg" } ], "jobs": [ { "id": 75683, "title": "Founding Business Development Representative", "url": "https://www.ycombinator.com/companies/dili/jobs/PkNc0a5-founding-business-development-representative", "location": "New York, NY, US / Remote (US; CA)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$65K - $95K", "equity_range": "0.05% - 0.10%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 76552, "title": "Senior Full-Stack Engineer", "url": "https://www.ycombinator.com/companies/dili/jobs/C4KB131-senior-full-stack-engineer", "location": "New York, NY, US / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$125K - $200K", "equity_range": "0.10% - 0.30%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 79796, "title": "Compliance Customer Success Manager", "url": "https://www.ycombinator.com/companies/dili/jobs/JihtpfK-compliance-customer-success-manager", "location": "New York, NY, US / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $130K", "equity_range": "0.05% - 0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 101985, "title": "Product Manager", "url": "https://www.ycombinator.com/companies/dili/jobs/VzbrBab-product-manager", "location": "New York, NY, US", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$160K - $190K", "equity_range": "0.10% - 0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 101986, "title": "DevOps Engineer", "url": "https://www.ycombinator.com/companies/dili/jobs/mTPjPZe-devops-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$180K - $220K", "equity_range": "0.10% - 0.20%", "experience": "6+ years", "visa": "Will sponsor", "skills": [ "Amazon Web Services (AWS)", "Python", "Docker", "Terraform" ] }, { "id": 103107, "title": "Demand Gen Marketer", "url": "https://www.ycombinator.com/companies/dili/jobs/vRGv4ue-demand-gen-marketer", "location": "New York City, NY / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$95K - $225K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 108688, "title": "Senior QA Engineer", "url": "https://www.ycombinator.com/companies/dili/jobs/VkpvtaS-senior-qa-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "QA engineer", "salary_range": "$160K - $190K", "equity_range": "0.05% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 108949, "title": "Senior QA Engineer", "url": "https://www.ycombinator.com/companies/dili/jobs/xVXDovT-senior-qa-engineer", "location": "New York City, NY / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 111953, "title": "Sale Operations Manager", "url": "https://www.ycombinator.com/companies/dili/jobs/e0gtTc4-sale-operations-manager", "location": "Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 116802, "title": "Founding Recruiter", "url": "https://www.ycombinator.com/companies/dili/jobs/BUyQpRH-founding-recruiter", "location": "New York, NY, US / Remote (US)", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Recruiting lead", "salary_range": "$150K - $195K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 117032, "title": "Founding Recruiter", "url": "https://www.ycombinator.com/companies/dili/jobs/6XscHNV-founding-recruiter", "location": "New York City, NY / Remote (US)", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Recruiter", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 117462, "title": "Customer Success Specialist", "url": "https://www.ycombinator.com/companies/dili/jobs/8smosJB-customer-success-specialist", "location": "New York, NY, US / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$70K - $90K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Dili raises $21.7M to bring AI compliance to the infrastructure boom | TechCrunch", "url": "https://techcrunch.com/2026/07/30/dili-raises-15-million-to-bring-ai-compliance-to-the-infrastructure-boom/", "date": "Jul 30, 2026" }, { "title": "Dili Raises $21.7m from Khosla Ventures to Bring AI-Powered Assurance to America’s Infrastructure Boom", "url": "https://finance.yahoo.com/technology/ai/articles/dili-raises-21-7m-khosla-193900367.html", "date": "Jul 29, 2026" }, { "title": "Dili wants to automate due diligence with AI | TechCrunch", "url": "https://techcrunch.com/2024/02/19/dili-wants-to-automate-due-diligence-with-ai/", "date": "Feb 19, 2024" }, { "title": "Y Combinator Demo Day 2023: Our favorites Day 2 | TechCrunch", "url": "https://techcrunch.com/2023/09/07/ycombinator-demo-day-two-summer-2023/", "date": "Sep 07, 2023" } ], "launches": [ { "id": 82651, "title": "Dili: The most reliable AI for diligence on high-stakes deals", "tagline": "Dili has provided diligence and red flags on 3000+ deals across tax credits, real estate, private credit and PE.", "body": "Hi everyone, we are Brian and Anand. We had a big month at Dili with +210% revenue growth MoM, and we wanted to publicly share how Dili can improve underwriting and investment outcomes for our customers.\n\n![uploaded image](/media/?type=post&id=82651&key=user_uploads/312266/5c9775a5-577f-46a8-b175-df7c53aa86e7)\n\n**🧨 The Problem: Due Diligence is time-consuming, prone to human error, and today’s AI is not equipped to handle these mission-critical workflows**\\\n\\\nDue diligence today can mean spending weeks digging up data in datarooms using your domain-specific knowledge and presenting findings in memos to make multi-million-dollar investment decisions. All of this work is manual, time-consuming, and very often prone to human error. There are several cases where it is not feasible to have a human sift through 100’s of documents to find the red flag buried deep in the data room. Today’s AI models are not accurate enough to assist with mission-critical use cases like underwriting $60M+ tax credit transactions, $100M+ loan & lease abstraction, deal screening, and drafting investment memos.\\\n\\\n**🧿 The Solution: Dili’s AI Platform reads every file to generate relevant reports - with confidence scores.**\n\n![uploaded image](/media/?type=post&id=82651&key=user_uploads/312266/a75b94cc-08d8-475d-87eb-2722f0f2ff4b)\n\nDili is built to be the most reliable platform for automating diligence and portfolio management workflows. It can read every file in a dataroom and provide reports with confidence scores on every output so you know when something needs your attention. Using the in-app file viewer, you can inspect sources directly with text highlighted.\n\n![uploaded image](/media/?type=post&id=82651&key=user_uploads/312266/1ce274aa-4733-4e59-aca9-d9275250bac9)\n\nFirms can now tune Dili using their domain knowledge and instructions to fit their custom templates, reports, and SOPs. Using this fine-tuned expertise, Dili has found and fixed critical red flags and human errors on several multi-million dollar transactions across 3000+ deals.\n\n**Dili has been used to automate:**\n\n✅ **Tax credit** diligence to validate credits and underwrite risk on transactions\n\n✅ **Real estate** OM screening, loan, and lease abstraction\n\n✅ **Private Equity and Private Credit** deal screening and DD checklists\n\n✅ **VC** portfolio monitoring and drafting investment memos\n\n\n\n### **👋 Ask: How you can help**\n\n* If you are involved in tax credit, real estate, or private credit/PE transactions, we’d love to share how Dili can help you. Book a demo [here](https://calendly.com/anand-dili-ai/30min).\n* Follow along on [LinkedIn](https://www.linkedin.com/company/dili-ai/) & [Twitter](https://twitter.com/dili_ai)!", "url": "https://www.ycombinator.com/launches/LV5-dili-the-most-reliable-ai-for-diligence-on-high-stakes-deals", "votes": 15, "created_at": "2024-08-01T19:01:58.230Z" }, { "id": 73138, "title": "🧿 Dili: Accelerating due diligence with AI", "tagline": "Dili is the newest analyst on your deal team - who lets you complete due diligence in hours, not weeks.", "body": "**_Tl;dr:_** _Dili is an AI platform that accelerates manual tasks involved in the due diligence process for both buy- and sell- side deal teams. We make it easier for the buy-side (PE/VC funds) to invest in and buy companies, and for the sell-side to streamline due diligence processes for capital raises or M&A. Dili helps you make data-driven investment decisions through due diligence - from understanding the deal dataroom, leveraging your firm’s internal knowledge, to crafting investment deal materials. _[_Contact us here_](https://www.diliai.com/)_._\n\n\\\nHi everyone, we are Stephanie, Brian, and Anand - the co-founders of Dili! After working together at Coinbase, we decided to take on the challenge of making the due diligence process for capital markets more efficient for both buy-side and sell-side deal teams.\n\n![uploaded image](/media/?type=post&id=73138&key=user_uploads/312266/1392cf6c-9a41-45c9-b07c-eba28b21eb7b)\n\n### **🧨 The Problem: Due diligence is a time-consuming, manual process that is required for doing deals**\n\nStephanie (CEO, Co-founder) spent years working in investment banking, corporate development, and venture capital doing over $500m+ in deal volume. Her job consisted of several hours a day of tedious, manual tasks and workflows while conducting due diligence on deals. Today, due diligence means spending weeks or months carefully reading through company datarooms, digging up data across internal tribal knowledge & external sources, and analyzing or presenting findings in memos to make million dollar investment decisions.\n\nThis time-consuming, manual process means investors see fewer deals per year - and cannot dive deep enough on thorough due diligence for each deal. (i.e., JP Morgan’s recent acquisition of Frank!)\n\n### **🧿 The Solution: Dili’s AI platform that helps you make better investment decisions**\n\nDili is an LLM-powered platform that creates insights and analyses for investors which sits on top of 3 sources of data: 1.) the dataroom from the company you are doing due diligence on, 2.) a custom built structured internal knowledge database for your unstructured data, 3.) data integrations from your favorite external partners. Our solution helps you conduct data-driven due diligence because it improves the quality of due diligence conducted. LLMs run on top of all available internal and external data to provide you with better analyis and insights, making it 5x faster by automating the most manual parts of the process.\n\nImagine a new deal comes across your desk - you can use Dili to deeply **understand the information in a dataroom**, automatically find anomalies or red flags, and instantly calculate financial metrics/models.\n\n![uploaded image](/media/?type=post&id=73138&key=user_uploads/312266/c0e1c5c7-e38b-4a87-909f-5e11f7c9cb65)\n\nIf you wish to proceed with the deal - Dili structures and searches through your firm’s **internal knowledge base** as well as **external sources** (Pitchbook, Crunchbase, Tegus, LinkedIn etc.) to provide comprehensive comparables analysis and dashboard metrics for each new deal.\n\n![uploaded image](/media/?type=post&id=73138&key=user_uploads/312266/20b06589-6dbf-4335-b6dd-a4038b83a363)\n\nFinally, as you are coming to a thesis and writing an investment memo - Dili can put together a **first-cut memo / deal packet in minutes**, not days.\n\nUsing Dili, **PE & VC Firms**:\n\n✅ Conduct a due diligence deep dive on several more companies per year\n\n✅ Catch red flags early during due diligence (like Frank’s list of fake usernames) to potentially save millions\n\n✅ Search through a database of every company your firm has seen, to find comparables across your entire knowledge base\n\n✅ Get AI-enhanced insights to make better data-driven investment decisions\n\n### \n\n### **👋 Ask: How you can help**\n\n* If you’re an **investor** looking to improve your due diligence process, we’d love to share how Dili can help you. [Book a demo here.](https://calendly.com/steph_dili/30min)\n* If you are a **startup** planning to fundraise soon, we could help make this process easier. [Contact us here.](https://mailto:sales@diliai.com?subject=Connecting%20you%20to%20Dili)\n* Please share this post, and follow along on [LinkedIn](https://www.linkedin.com/company/dili-ai/) & [Twitter](https://twitter.com/dili_ai)! 🧿", "url": "https://www.ycombinator.com/launches/J1e-dili-accelerating-due-diligence-with-ai", "votes": 76, "created_at": "2023-07-17T15:57:36.172Z" } ] }, { "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": 29106, "name": "Affinity", "slug": "affinity", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/883b7bc8ea92895dbca7a59f5ad014c489f3729a.png", "website": "https://itsaffinity.com", "all_locations": "New York City, NY, USA; Remote", "long_description": "Affinity is a compliance training platform designed specifically for regulated industries. We’ve previously built a fintech from inception to a successful exit and are leveraging that experience to solve the learning management needs of regulated tech companies from growth stage to large enterprise banks.\r\n", "one_liner": "A compliance training platform built for regulated industries.", "team_size": 2, "industry": "B2B", "subindustry": "B2B", "launched_at": 1689270808, "tags": [ "Fintech", "Workflow Automation", "Team Collaboration", "Compliance", "HR Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B" ], "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/affinity", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/affinity.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/affinity-training", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/883b7bc8ea92895dbca7a59f5ad014c489f3729a.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": 1371162, "full_name": "Faraz Rana", "title": "Founder", "founder_bio": "Faraz has over 15 of experience as a start-up operator and a legal and compliance professional. Faraz was part of the founding employee team at Bread, a BNPL fintech, where helped build the company from inception to a $450M exit. Previous to Bread, Faraz had been an M&A lawyer, dabbling with start-up ideas in his spare time. \n\nFaraz is based in Brooklyn, NY and enjoys running and playing tennis. \n\n\n\n\n\n\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/faraz-rana-502874a", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fbe9002d693006cda05cf2a4850fc70aa870fd76.jpg" }, { "user_id": 599372, "full_name": "Peter Greczner", "title": "Founder", "founder_bio": "Peter is CTO of Affinity. He's been building and working with NYC start-ups for almost 15 years, including companies in AdTech, FinTech, and Crypto. As a founding team member of Bread, a pay-over-time FinTech, he led and built the engineering team to a successful $500M exit. In addition to having fun building startup's, Peter also loves to play basketball, run, try new board games and play outside with his 2 kids.", "is_active": true, "linkedin_url": "https://linkedin.com/in/peter-greczner-0067086", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4368510ff32f5960f622d60e144b4699b4114834.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 73139, "title": "Affinity - The compliance training platform built for regulated industries", "tagline": "Seamlessly manage your organizations trainings and compliance needs in one integrated platform.", "body": "Hi 👋 , we’re Faraz and Peter and we’re building Affinity!\n\nAffinity is a compliance training platform designed specifically for regulated industries. We’ve previously built Bread - a fintech - from inception to a $450M exit and are leveraging that experience to solve the learning management needs of regulated tech companies from growth stage to large enterprise banks.\n\n### **Problem and Current Market**\n\nWhile scaling Bread, we learned how necessary training is in the fintech industry for all stakeholders both internal (your employees) and external (your vendors and clients), and how glaringly inefficient the process is.\n\nFor example:\n\n* Fintech bank sponsors lack standardized training across portfolio companies;\n* Fintechs themselves train thousands of their business customers using valuable human hours;\n* Compliance and HR teams use sign up sheets and spreadsheets to track internal trainings;\n* Ineffective trainings create bigger problems later on when companies are just starting to scale.\n\nAnd it’s not just fintechs who face these problems, **it’s all regulated industries**.\n\n### **How Affinity Solves This**\n\nWe’ve built:\n\n1. A platform that allows organizations, such as banks, to standardize training across external parties.\n\n ![uploaded image](/media/?type=post&id=73139&key=user_uploads/599372/84a4ee60-ef53-4c9d-be35-655588e56f42)\n\n2. A workflow management tool that allow companies to assign trainings based on internal policy rules.\n\n ![uploaded image](/media/?type=post&id=73139&key=user_uploads/599372/1794b23f-a480-4ce3-a239-5797646ab28b)\n\n3. Relevant, practical content and ways to customize the content.\n\n ![uploaded image](/media/?type=post&id=73139&key=user_uploads/599372/df94140a-c1db-4654-adac-488c98aa1ed3)\n\n4. Data for reporting to regulators and auditors.\n\n ![uploaded image](/media/?type=post&id=73139&key=user_uploads/599372/b751d335-f134-45fa-9201-7f14c9641c6c)\n\n\n_In short: we help regulated companies make compliance training seamless and powerful._\n\n### **The Future (to Affinity and beyond!)**\n\n* A dynamic content creation platform built in.\n* Leveraging AI and LLM’s for interactive learning experiences.\n* The best and most useful trainings available in every vertical and industry.\n\n### **The Team**\n\n![uploaded image](/media/?type=post&id=73139&key=user_uploads/599372/093dbfde-47dd-45bf-bce1-7642471e7eb1)\n\nWe have known each other for almost a decade and spent much of that time building out a buy-now, pay-later fintech together called Bread ($450M exit). Faraz led legal and compliance, and Peter led engineering. Through Bread’s growth we’ve learned how important compliance education is for teams to be effective in a regulated space.\n\n### **Asks from the community**\n\n* Introductions to Fintechs and tangential regulated companies (all sizes)\n* Introductions to Banks\n* Introductions to Compliance and HR teams\n* Tell us what you’re not getting from your current learning management systems\n\n### **How can your company use Affinity today?**\n\nWe’re live for fintechs today at: . We are also offering a discount to all YC companies for their first year, and while you can onboard yourself, we’d love to walk you through getting started. So, please reach out to us at [founders@itsaffinity.com](mailto:founders@itsaffinity.com) and we can start working together with your team!", "url": "https://www.ycombinator.com/launches/J1f-affinity-the-compliance-training-platform-built-for-regulated-industries", "votes": 41, "created_at": "2023-07-17T16:58:49.486Z" } ] }, { "id": 29153, "name": "Coba", "slug": "coba", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/064ab4995b234ee61187e6d755a27338f57c5c90.png", "website": "https://www.coba.ai", "all_locations": "Monterrey, N.L., Mexico; Austin, TX, USA", "long_description": "Coba makes it easy for Mexican knowledge workers employed by US companies to earn in US Dollars and seamlessly spend locally in Pesos.\r\n\r\nOn average, a knowledge worker will lose $1,000 per year in hidden ForEx and transfer fees. In that process, their money will touch at least 3 different accounts adding time and steps along the way. These workers’ require more than simple money movement, they demand a financial solution that addresses their specific needs: banking, saving, spending - all in two currencies.\r\n\r\nCoba allows its users to not only deposit and save their earnings in a US account, but also access critical financial services at home in Mexico - from a local credit card to integrated bill pay. With Coba, remote workers can live across two currencies... efficiently and effortlessly.", "one_liner": "Dual Currency Accounts For LatAm", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1689886684, "tags": [ "Fintech", "Latin America", "Remittances", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Mexico", "United States of America", "Latin America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/coba", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/coba.json", "year_founded": 2022, "city": "Monterrey", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/cobaremote", "x_url": "https://twitter.com/Cobaremote", "fb_url": "https://www.instagram.com/coba.remote/", "cb_url": null, "github_url": "https://github.com/coba-ai", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/064ab4995b234ee61187e6d755a27338f57c5c90.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/339260dbbbe5f4927d4326716c8fa978a91f8aee.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 819558, "full_name": "Abraham Kuri Vargas", "title": "Founder", "founder_bio": "CTO & Co-founder at Coba. B.S. in Computer Science & Technology who has been developing software since 18 years old. I've been working in web development for 10+ years. Ruby on Rails expert. I'm the author of APIs on Rails(http://apionrails.icalialabs.com/book). 3D Printing enthusiast", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abraham-kuri-vargas-b41a2126/", "x_url": "https://www.twitter.com/kurenn", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d66e4654d439e42219f2be18ee5f64d46580f77a.jpg" }, { "user_id": 810779, "full_name": "Eduardo Lopez De Leon", "title": "Founder", "founder_bio": "I am an entrepreneur with 10+ years of experience building companies around the software and technology fields in the Americas. Developer by training. Dad, Husband, Regio. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/elopezdeleon/", "x_url": "https://twitter.com/edolopez", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4aeb48386ceaf890f6d51a1722e0ce65ef2d9781.jpg" }, { "user_id": 819594, "full_name": "Carlos Alberto Medellin Gonzalez", "title": "Founder", "founder_bio": "Co-founder of Coba. Former CFO of Icalia Labs. Finance Degree from Tec de Monterrey, Masters Degree from Copenhagen Business School. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/camego", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c47ff3b87d37d90b3fd9cc2590a9b26c5a706825.jpg" } ], "jobs": [ { "id": 69207, "title": "Coba.ai Hiring | Full-stack developers for US-MX cross-border fintech (remote US or MX)", "url": "https://www.ycombinator.com/companies/coba/jobs/9wju4KE-coba-ai-hiring-full-stack-developers-for-us-mx-cross-border-fintech-remote-us-or-mx", "location": "MX / US / Remote (MX; US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$84K - $120K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Node.js", "Ruby on Rails" ] }, { "id": 69208, "title": "Coba.ai Hiring | UI/UX designer for US-MX cross-border fintech (remote US or MX)", "url": "https://www.ycombinator.com/companies/coba/jobs/2cSKYwP-coba-ai-hiring-ui-ux-designer-for-us-mx-cross-border-fintech-remote-us-or-mx", "location": "MX / US / Remote (MX; US)", "type": "Full-time", "role": "Design", "role_type": "UI / UX", "salary_range": "$84K - $120K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "React Native", "Figma" ] }, { "id": 69209, "title": "Coba.ai Hiring | Marketing/G2M for US-MX cross-border fintech (remote US or MX)", "url": "https://www.ycombinator.com/companies/coba/jobs/9hV6Nxz-coba-ai-hiring-marketing-g2m-for-us-mx-cross-border-fintech-remote-us-or-mx", "location": "MX / US / Remote (MX; US)", "type": "Full-time", "role": "Design", "role_type": "UI / UX", "salary_range": "$50K - $80K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "React Native", "Figma" ] } ], "news": [ { "title": "Our favorite startups from YC's Summer 2023 Demo Day, Day 1 | TechCrunch", "url": "https://techcrunch.com/2023/09/06/ycombinator-demo-day-one-summer-2023/", "date": "Sep 06, 2023" } ], "launches": [ { "id": 73265, "title": "Coba 🇺🇸💸🇲🇽 — Dual currency accounts for LatAm", "tagline": "Earn in US Dollars and spend in Pesos. Live across two currencies.", "body": "[**Coba**](https://www.coba.ai/) allows international knowledge workers in Mexico to deposit their USD paychecks in US accounts and spend in pesos. One account…two currencies.\n\nHola 👋 ! We are the team behind Coba.\n\n![uploaded image](/media/?type=post&id=73265&key=user_uploads/891884/5561585a-e518-429a-bcf9-3f85a1bffa7a)\n\n### **🤔 The Problem**\n\nInternational knowledge workers earn in USD but live their day-to-day in Pesos. Moving money across borders is costly, complex and the existing banking infrastructure is slow. On average, a knowledge worker will lose $1,000 per year in hidden ForEx and transfer fees. In that process, their money will touch at least 3 different accounts adding time and steps along the way.\n\n### **💡 The Solution**\n\nCoba is the app where users can:\n\n* Access a single account to deposit their payroll, save in USD and send funds to Mexico.\n* Transfer Mexican Pesos to local bank accounts in seconds without fees and at competitive FX rates.\n* Receive a local credit card for daily expenses in Pesos that draws from their USD balance.\n\n**Earning and saving in USD… Living and spending in Pesos.**\n\n![uploaded image](/media/?type=post&id=73265&key=user_uploads/891884/b144f0dd-5495-4c5a-aa84-41c0c0ddea66)\n\n### **🇺🇸💸🇲🇽 How Do We Do It?**\n\n* **Trust**: Coba runs on existing, regulated banking infrastructure and tools\n* **Convenience**: A single app for two currencies\n* **Efficiency**: Proprietary payment rails mean more competitive FX rates and savings for our Users\n\n### **🇺🇸💸🇲🇽 Why Us?**\n\nFrom the Near-shoring capital of Latin America, Monterrey, MX, we live a cross-border reality. Not only have we employed remote teams across LatAm in the businesses we have operated, but we are remote workers ourselves and know first-hand the costs and complexity of moving money from USD to Pesos.\n\n### **🙏 The Ask**\n\nIf you currently have employees or friends in Mexico who are earning in USD and could benefit from an account, we would love to have them as early adopters. They can sign-up for our priority waitlist [**here**](https://coba.ai/onboarding.html).", "url": "https://www.ycombinator.com/launches/J3h-coba-dual-currency-accounts-for-latam", "votes": 34, "created_at": "2023-07-20T19:23:31.123Z" } ] }, { "id": 29162, "name": "Flex", "slug": "flex", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6db50cb8b7d8269f3c2b9ce2c300b8dd5e7d0bab.png", "website": "https://www.withflex.com/shop", "all_locations": "Remote", "long_description": "Flex is a payment platform for businesses to accept HSA/FSA, unlocking the $150B per year sitting in HSA/FSA accounts. \r\n", "one_liner": "Stripe for HSA/FSA payments", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1690520542, "tags": [ "Fintech", "Marketplace", "Health & Wellness" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/flex", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/flex.json", "year_founded": 2023, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/withflex/", "x_url": "https://twitter.com/paywithflex", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6db50cb8b7d8269f3c2b9ce2c300b8dd5e7d0bab.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 6343, "full_name": "Sam O'Keefe", "title": "Founder", "founder_bio": "Sam is a cofounder at Flex. Her previous roles include product leadership at a growth stage fintech (Unit21), EIR in Area120, and global head of startup programs at Google, and an editor at TechCrunch. Sam has also been a writer and producer of South of Market, the Musical.\n\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/samokeefe", "x_url": "https://www.twitter.com/samok", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f3a1effdc76f0cba24fee1b311ef5d36bc41e835.jpg" }, { "user_id": 1509340, "full_name": "Miguel Toledo", "title": "Founder", "founder_bio": "Miguel is a cofounder at Flex. Previously built software to make machine learning infrastructure and data pipelines work at Lyft Level 5, fraud and AML products at Unit 21, and monitoring systems at Google Cloud.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/migueltol22/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ac3d7ae747618ec5283495193be65b233bbdc491.jpg" } ], "jobs": [ { "id": 65864, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/flex/jobs/XE6Guz3-software-engineer", "location": "US / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$165K - $212K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "PostgreSQL", "React", "Rust", "TypeScript" ] } ], "news": [ { "title": "Flex Raises $15M to Unlock $150B in Unused HSA/FSA Funds", "url": "https://www.withflex.com/blog/flex-raises-15m-to-unlock-150b-in-untapped-pre-tax-spending-for-health-wellness-retailers", "date": "Sep 02, 2025" }, { "title": "Flex raises $3.2M seed for D2C health account payments", "url": "https://www.axios.com/pro/fintech-deals/2024/09/04/flex-d2c-health-account-payments-seed", "date": "Sep 04, 2024" } ], "launches": [ { "id": 86397, "title": "Flex Market: Marketplace for HSA/FSA", "tagline": "Save 30% on health & wellness products by shopping with your HSA/FSA", "body": "We’re excited to introduce [Flex Market](https://www.withflex.com/shop), a new marketplace designed to make health and wellness more accessible.\n\nHere’s a glimpse of what you’ll find on Flex Market:\n\n* **🏋️‍♀️** Fitness programs and equipment\n* 🧴 Supplements \n* 💆‍♀️ Sleep and recovery products\n* ⌚ Wearables \n* 🏥 Traditional OTC health products (eyeglasses, women’s health products etc)\n\n![uploaded image](/media/?type=post&id=86397&key=user_uploads/6343/178a211a-9313-4e35-af74-717bc445d4ed)\n\n**Why Flex Market is Unique**\n\nFor products like supplements, fitness equipment or other “dual use” items, consumers are required to have a doctor's note, or Letter of Medical Necessity (LMN), to qualify to spend their HSA/FSA funds. \n\nFlex is the only place where consumers can both shop for traditional healthcare products (think what you might expect to find at a CVS) as well as those items that require a Letter of Medical Necessity (LMN). For those that require the latter, consumers can initiate a two minute telehealth consultation immediately, qualify, and receive their LMNs later that day.\n\n![uploaded image](/media/?type=post&id=86397&key=user_uploads/6343/67901886-4948-4208-807e-b72e1d912ecc)\n\n**Quick HSA/FSA Background**\n\nHealth Savings Accounts and Flexible Spending Accounts are tax advantaged accounts that are designated to be spent on healthcare related purchases. Historically these funds have only been able to be spent on trips to the doctor’s office or buying items at CVS. \n\nFSAs are use-it-or-lose-it, meaning that at the end of the year any funds that aren't spent are forfeited. On average, individuals lose about $450 per year, resulting in nearly $10B of lost benefits.\n\n**Why it Matters**\n\nFlex Market isn’t just a shopping platform – it’s part of a larger mission to make health and wellness more accessible.\n\nBy addressing the barriers of traditional HSA/FSA spending, we’re helping people:\n\n* Avoid forfeiting their hard-earned HSA/FSA funds\n* Discover new ways to invest in their health\n* Making health products and services more accessible\n\n**Check Us Out Today!**\n\nIf you or someone you know has FSA funds to spend before year-end or is gearing up for health-related purchases as part of a New Year’s resolution, check out [Flex Market!](https://www.withflex.com/shop) If you’re interested in seeing your brand on the marketplace, reach out to us [here.](https://www.withflex.com/contact)\n\nThanks so much for your support – and here’s to a healthier 2025! 💪", "url": "https://www.ycombinator.com/launches/MTV-flex-market-marketplace-for-hsa-fsa", "votes": 15, "created_at": "2024-12-18T17:21:25.934Z" }, { "id": 73539, "title": "💪 Flex: Stripe for HSA/FSA payments", "tagline": "We enable businesses to unlock the $120B per year sitting in HSA/FSA accounts.", "body": "**TL;DR** - Flex is Stripe for HSA/FSAs\\*. We enable businesses to unlock the $120B per year sitting in HSA/FSA accounts. To learn more or start accepting HSA/FSA payments, email [partners@withflex.com](mailto:partners@withflex.com).\n\n**PROBLEM**\n\nToday, HSA/FSAs can only be spent at medical institutions or large retailers that have specific inventory management systems in place to comply with IRS regulations.\n\nAs a result many consumer wellness, fitness, nutrition, and even e-commerce companies selling health related products are not able to accept HSA/FSAs. \n\nThese businesses are missing out on 60M American consumers who are looking to spend $120B per year from their HSA/FSA accounts on health related products and services.\n\n**SOLUTION**\n\nFlex is a payment platform for businesses to accept HSA/FSA cards. \n\nWe provide a prebuilt, hosted checkout page or UI building blocks to integrate HSA/FSA payments directly into your existing payments flow. \n\nWe know how critical your checkout flow is so Flex pages are thoughtfully designed to optimize conversion.\n\n**HOW IT WORKS**\n\nFor [pre-approved items by the IRS](https://www.irs.gov/publications/p502#en_US_2022_pu): Flex checks your inventory against the most up to date IRS approved products list and it processes the FSA or HSA payment, and keeps the necessary records in the case of an audit.\n\nFor non-pre-approved items: Flex’s asynchronous telehealth team assesses medical necessity and can issue the required paperwork to make your product or service HSA/FSA eligible for the customer — all in a streamlined checkout flow.\n\n![uploaded image](/media/?type=post&id=73539&key=user_uploads/6343/927924de-af6b-4596-9f0e-e9d4c0e3dfe8)\n\n_(Checkout flow with telehealth intake form.)_\n\n**TEAM**\n\nWe’re Sam and Miguel! We met working together at a growth stage at fintech company, Unit21. We’re both lifelong athletes, and started Flex because we believe we can improve people’s lives by making healthy habits more accessible.\n\n![](https://lh6.googleusercontent.com/0hhGyZ9IuCFZkpaxuzoVFghZLgb7v5ExY518_dAHcfS-q7HqdRfVPnU-wOttzSfX0aSjPlHRl73BkpgOjgddEgKXp1qufEtrE_DXZz1_IyVgzzp1YM7GcfoNV7-O3fSqB14Of6RTsHvn6Hbuo_Hua20)\n\n\\***_Background - What are HSA/FSAs?_**\n\n_HSAs (Health Savings Account) and FSAs (Flexible Savings Accounts) are accounts that allow you to set aside pre-tax money to spend on health related purchases. Since you aren't being taxed on the money you put into the account, anything you spend it on is effectively \\~30% cheaper._ ", "url": "https://www.ycombinator.com/launches/J87-flex-stripe-for-hsa-fsa-payments", "votes": 47, "created_at": "2023-07-28T14:46:12.162Z" } ] }, { "id": 29291, "name": "ROE", "slug": "roe", "former_names": [ "Roe AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c6e62176aed0b225675a38d104b2bd4aa8deb20e.png", "website": "https://getroe.ai", "all_locations": "San Francisco, CA, USA", "long_description": "ROE AI solve risks and compliance problems for financial industry.", "one_liner": "AI for risk and compliance", "team_size": 9, "industry": "B2B", "subindustry": "B2B -> Infrastructure", "launched_at": 1705558893, "tags": [ "Fintech", "Generative AI", "Compliance", "Regtech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B", "Infrastructure" ], "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/roe", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/roe.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/roe-ai", "x_url": "https://twitter.com/try_roe_ai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c6e62176aed0b225675a38d104b2bd4aa8deb20e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1065666, "full_name": "Richard Meng", "title": "Founder/CEO", "founder_bio": "Cofounder & CEO of Roe AI, democratizing the access of safe, steerable, scalable Gen AI to enterprise\n\nex-tech lead of Gen AI @ Snowflake.\nSnowflake Summit 2023 Speaker.\nex-tech lead of Knowledge Graph & Generative Skill Assessment at LinkedIn\n2014-18 UC Berkeley CS & Stats ", "is_active": true, "linkedin_url": "https://linkedin.com/in/berkeleymeng", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7a5f183a64d9735a1eb261c10fc1db5fae706938.jpg" } ], "jobs": [ { "id": 81104, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/roe/jobs/OFFxite-founding-engineer", "location": "San Mateo, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K - $180K", "equity_range": "0.10% - 0.50%", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [ "Amazon Web Services (AWS)", "Kubernetes", "Python" ] }, { "id": 82886, "title": "Founding Staff Software Engineer", "url": "https://www.ycombinator.com/companies/roe/jobs/c6wCCGz-founding-staff-software-engineer", "location": "San Mateo, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$160K - $200K", "equity_range": "0.40% - 1.00%", "experience": "3+ years", "visa": "Will sponsor", "skills": [ "Amazon Web Services (AWS)", "Kubernetes", "Python", "Docker", "Microservices" ] }, { "id": 106769, "title": "Head of Product Management", "url": "https://www.ycombinator.com/companies/roe/jobs/6dFKkIl-head-of-product-management", "location": "San Mateo, CA, US", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$150K - $200K", "equity_range": "0.40% - 1.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Announcing $3.5M Seed Round Led By Gradient Ventures", "url": "https://www.getroe.ai/blog/fundraising", "date": "Aug 05, 2024" } ], "launches": [ { "id": 78571, "title": "Roe AI - A new data warehouse for unstructured data", "tagline": "What if you can process any data in this world, what would you do?", "body": "### **🥇TL;DR:**\n\n[Roe AI](https://roe-ai.com/) is the next-generation data warehouse that uses AI to process unstructured data like natural language, documents, images, and structured tabular data. We came from Snowflake, so we know how it enables companies to get value out of their data and we are here to help get value from even more, harder-to-reach data.\n\n![](https://bookface.ycombinator.com/media/?type=post&id=78571&key=user_uploads/1065666/b268a0a7-4a58-43b9-8b25-bfd8318a5d7a)\n\n### **Who it’s for:**\n\nIf you work with data, you should check us out!\n\n**Connect your data -** Roe AI supports various unstructured data types - natural languages, documents, websites, images, videos, etc. Connect with your data sources from S3, Snowflake, Databricks, and many more.\n\n**Create smart, multi-modal agents** **\\-** Create a powerful, customizable AI agent within 30 seconds.\n\n**Query your data with SQL -** apply AI agents on **unstructured data** using SQL queries + natural language!\n\n### **👩‍💻 A data scientist’s 3 minutes**\n\n**9:30AM Monday, San Francisco.**\n\nAnna, the data scientist at Oak Ventures, needs to understand this YC batch to help GPs make investment decisions in YC W24. \n\n**9:31 AM.** Anna logs onto Roe AI data warehouse, where she has collected tens of thousands of crawled **homepages** and **pitch decks** from startups. \n\nFrom those data, Anna hopes to find who these startups are selling to, market size, and revenue. More importantly, Anna **only** wants to target YC-backed startups because they’re the best.\n\n**9:32 AM.** Anna wrote a simple SQL with some English. \n\nThe query finishes within 6 seconds. She sees the results of over 200 YC W24 companies and their ICP, TAM, and ARR extracted from the pitch decks. Moreover, Anna checks out the pitch deck side by side to assist her analysis!\n\n![](https://lh7-us.googleusercontent.com/Q8CN1oMnEd1Xd91F0KEUYCA-nHpPrdoM4mHHUHlUgHWiML9b-QVO3j2GKTLEZ650tisYVlH8dVXfIcgaMpRqqpcWUzpv7Xp4dcI2BhskL6ArSaByMExJqM__0JHYWcQD8WHm5s_mDn9gcudMPJJGzAY)\n\nNow it’s **9:33 AM.**\n\nAnna’s Monday is just getting started, but she has achieved so much, so she decides to pour herself some coffee while enjoying the data magic of Roe AI.\n\n### **❓Why a new data warehouse?**\n\n**20% of data is structured; what about the remaining 80%?** Transcripts, Images, documents, videos, audio, people call it unstructured data.\n\nWe interviewed data teams across industries, and 85%+ of them are just leveraging that 20%! Based on that partial view, they need to make business-critical decisions. This is wrong! But why??\n\n**High barrier to leveraging AI on Data:** processing unstructured data requires a lot of AI. But today’s AI infra like GCP, Databricks, and AWS require heavy MLOps knowledge plus \\~18 weeks of eng time.\n\n**Incomplete data warehouse solutions:** the data warehouse solutions today - Snowflake, Redshift, Databricks, are made specifically for structured data - numbers, text enums, booleans, JSON, but not for images, documents, videos, audio and many more!\n\n**That’s why we built Roe AI, the next-generation data warehouse for unstructured and structured data powered by Gen AI**\n\n### **👋 Meet the team: Richard & Jason**\n\n![uploaded image](/media/?type=post&id=78571&key=user_uploads/1065666/5ae31107-247e-4be4-93bc-e9ff95b61abb)\n\n**I’m **[**Richard**](https://linkedin.com/in/berkeleymeng)**, I’ve been dedicating my life to data for the last 8 years**\n\nStarting from UC Berkeley, I researched OSM data with Berkeley’s supercomputers and graduated with a CS and stats double degree. At LinkedIn, I helped build the infra for the world’s largest economic graph, connecting the world’s best talent with dream jobs.\n\nAt Snowflake, I led the Gen AI initiative and created the first AI data copilot on Snowflake. We tuned open-source LLM from the ground up and served AI data copilot to hundreds of Fortune 2000 customers on their enterprise data workloads.\n\n**I'm **[**Jason**](https://linkedin.com/in/jason-wang-a29851128)**. The last 7 years of my career are dedicated to building the most scalable infrastructure**\n\nI also began my journey at UC Berkeley, graduating with a CS and Applied Maths double degree. At Meta, I contributed to the largest ML infrastructure on earth and developed high-performance optimization and graph algorithms, supporting thousands of ML models and hundreds of ML teams.\n\nAt Robinhood and Retool, I led the infrastructure and DevOps team and built the infrastructure foundation to support tens of thousands of enterprise applications running on the Retool platform.\n\n# **🙏 Ask**\n\n### **SIGN UP FOR THE WAITLIST! We WANT you to try THE product!**\n\nWe’ll open self-serve signup **by the end of the week**.\n\n**At this point, please leave a comment below or use the waitlist signup form on **[**roe-ai.com**](http://roe-ai.com)**. So we can send you the login instructions!**\n\nIf you want a live demo from us, please book us some time  \n\nOr email us at [founders@roe-ai.com](mailto:founders@roe-ai.com)\n\nOr text or call us directly at (510)-325-2872\n\n![uploaded image](/media/?type=post&id=78571&key=user_uploads/1065666/96fec7c9-f390-4369-84a9-db484b7e0c68)\n\n", "url": "https://www.ycombinator.com/launches/KRH-roe-ai-a-new-data-warehouse-for-unstructured-data", "votes": 102, "created_at": "2024-02-20T20:10:04.598Z" } ] }, { "id": 29293, "name": "SuretyNow", "slug": "suretynow", "former_names": [ "SuretyNow", "BondCenter" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f71cdb1bd697d9bca1b136e0a75ce74b689f2cb.png", "website": "https://suretynow.com/", "all_locations": "Austin, TX, USA", "long_description": "Surety bonds are financial guarantees that businesses must purchase to comply with government regulations. For example, all contractors must have a surety bond to bid and work on federal construction projects. It is a $8b opportunity in the US. \r\n\r\nSuretyNow is building the surety bond platform for the 21st century. Businesses can apply for bonds and receive affordable quotes online in minutes. We offer the fastest and simplest online experience for getting surety bonds.", "one_liner": "The Modern Surety Bond Platform", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1706734566, "tags": [ "Fintech", "B2B", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/suretynow", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/suretynow.json", "year_founded": 2022, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/withsuretynow", "x_url": "https://twitter.com/suretynow", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/suretynow", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f71cdb1bd697d9bca1b136e0a75ce74b689f2cb.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1015891, "full_name": "Bruce Chi", "title": "Founder/CEO", "founder_bio": "Previously worked as a McKinsey consultant and Indeed product manager, I led a team of offshore engineers to build an Upwork competitor differentiated by a focus on graphic design. Was an economics major in college but mastered advanced Spanish through extensive travels across Latin America. I enjoy reading about geopolitics, spelunking, and perfecting my freestyle stroke. \n", "is_active": true, "linkedin_url": "https://linkedin.com/in/bchi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a75127f4390f177d2dcd62a0b9c5060b39f96ed2.jpg" }, { "user_id": 590902, "full_name": "Jay Xiao", "title": "Founder/President", "founder_bio": "Co-founder @ SuretyNow", "is_active": true, "linkedin_url": "https://linkedin.com/in/yjwxiao", "x_url": "https://twitter.com/yjwxiao", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fa3d4fc57139e9df8dc7167170e7f4685561ebf8.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 29298, "name": "Greenboard", "slug": "greenboard", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b27383428d763a236956940e76e892fc851162b4.png", "website": "https://www.greenboard.com", "all_locations": "New York City, NY, USA", "long_description": "At Greenboard, we're building the future of financial compliance. Greenboard is the unified, AI-native compliance operating system for RIAs, fintechs, private funds, hedge funds, and more. It replaces the fragmented mix of legacy tools and automates more than previously possible. By centralizing data and workflows, Greenboard helps firms reduce regulatory risk, simplify their technology stack, modernize how they run compliance, and save money. \r\n\r\n\r\nGreenboard's mission is to enable financial institutions to operate their back office teams at a higher standard, with half of the headcount. We’re starting with compliance", "one_liner": "Modern OS for the financial back office. ", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1700498020, "tags": [ "Fintech", "SaaS", "Compliance", "Operations", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/greenboard", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/greenboard.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/greenboard-compliance/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b27383428d763a236956940e76e892fc851162b4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 436183, "full_name": "Dave Feldman", "title": "Founder/CEO", "founder_bio": "Prior to founding Greenboard, Dave worked in Product at Guideline, where he led teams that built core systems including Guideline’s financial recordkeeping engine. Before that, Dave led Hive AI’s joint venture with Bain & Company.\n\nDave holds a BS in Chemical and Biomolecular Engineering and an MS in Computer Science from Johns Hopkins University. In his spare time, Dave is an avid outdoorsman who enjoys hiking, sailing, and downhill skiing.", "is_active": true, "linkedin_url": "https://linkedin.com/in/david-feldman", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5f0b7909c14f54e4a000872d459844b249c0b669.jpg" }, { "user_id": 504880, "full_name": "Edward Schembor", "title": "Founder/CTO", "founder_bio": "Before Greenboard, Ed led Product for Amazon's search navigation experience and worked on the founding Amazon Fashion catalog team. Before that, Ed worked as an engineer scaling Amazon's email-based product recommendation systems and on the internal machine learning team that eventually went on to become AWS Sagemaker. Ed holds a BS in Computer Science from Johns Hopkins University. Outside of work, Ed boulders and explores the NYC food scene.", "is_active": true, "linkedin_url": "https://linkedin.com/in/edwardschembor", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3fd8c0d56a7a15723cf7a991c98bb7c12da36c82.jpg" } ], "jobs": [ { "id": 75854, "title": "Sr. Software Engineer", "url": "https://www.ycombinator.com/companies/greenboard/jobs/bSRbcV3-sr-software-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$180K - $250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 75855, "title": "Full-Stack Software Engineer", "url": "https://www.ycombinator.com/companies/greenboard/jobs/LnGJvRx-full-stack-software-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$140K - $180K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 110615, "title": "AI Automation Engineer", "url": "https://www.ycombinator.com/companies/greenboard/jobs/uuDMjBY-ai-automation-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "QA engineer", "salary_range": "$150K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 114397, "title": "Content Marketing Manager", "url": "https://www.ycombinator.com/companies/greenboard/jobs/MJchXkw-content-marketing-manager", "location": "New York, NY, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$130K - $160K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 114406, "title": "Enterprise Account Executive ", "url": "https://www.ycombinator.com/companies/greenboard/jobs/nf0h8ZX-enterprise-account-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$225K - $350K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Compliance software startup Greenboard raises $4.5M seed", "url": "https://www.axios.com/pro/fintech-deals/2024/05/08/compliance-software-startup-greenboard-raises-seed", "date": "May 08, 2024" } ], "launches": [ { "id": 78359, "title": "Greenboard — \"Rippling\" for financial compliance & operations", "tagline": "Fintechs, private funds, and wealth managers use Greenboard to consolidate compliance software and detect risk using AI ", "body": "Hi 👋, we’re [Dave](https://www.linkedin.com/in/david-feldman/) and [Ed](https://www.linkedin.com/in/edwardschembor/), cofounders of [Greenboard](https://www.greenboard.io/).\n\n### **TLDR;**\n\nGreenboard allows financial firms to consolidate financial compliance software onto a single, easy-to-use platform. Cost-savings and streamlined experience are often what drive customers to sign - but the real magic of Greenboard happens when we aggregate our customers’ relevant data onto a single platform that uses AI to detect risk faster and more reliably than previously possible.\n\nIf you’re a fintech or compliance leader get in touch at [founders@greenboard.io](https://mailto:founders@greenboard.io).\n\n### **The problem:** financial compliance software is fragmented and bad. Maintaining compliance is hard.\n\nIn addition to paying for software, financial firms currently hire expensive consultants and large compliance teams to help maintain compliance, but this isn’t really working. Some recent examples:\n\n* [\\~$300M in fines handed out to big banks for not archiving communications](https://www.sec.gov/news/press-release/2023-149)\n* [$100M lawsuit between a regulated firm and their consultants over an egregious compliance violation](https://www.bloomberg.com/opinion/articles/2024-01-25/sure-blame-the-compliance-consultant)\n\n### **Our solution:** consolidated, human-centric software to drive a culture of compliance. AI to detect risk faster and more reliably than ever before.\n\nFinancial compliance teams today often pay for 2+ different software solutions for things like communications archiving, compliance program management, screening trades for conflicts of interest, tracking and approving marketing content, etc.\n\nGreenboard changes this by bringing all core compliance functionality onto a single platform (starting with the compliance needs of RIAs). See [greenboard.io](https://www.greenboard.io/features) for more info.\n\n![](https://greenboard-uploads.s3.us-west-1.amazonaws.com/site/flows.svg)\n\n![](https://greenboard-uploads.s3.us-west-1.amazonaws.com/site/transaction_data.svg)\n\nThe dynamics of the space remind us of HR/IT software pre-Rippling in a few ways:\n\n* A lot of fragmented functionality is needed on top of a core system of record. A lot of the needed functionality ultimately comes down to CRUD operations + collaborative tooling.\n* Clear sets of power users exist (compliance teams for us, HR people at Rippling) but everyone in an organization needs a login\n* Spend on software matters in non-revenue generating areas, and many organizations would love to consolidate vendors.\n\n### **Humans, machines, and the future of financial compliance**\n\nA super reductive checklist on how to maintain financial compliance looks something like this:\n\n1. Keep detailed records of dozens of things having to do with your business, employees, and customers\n2. Examine these records and look for bad (non-compliant) things that might be happening\n3. Address the bad things that you found and put processes in place to prevent these things from happening in the future\n\nCurrently, the technology adoption rate is high for 1) and low for 2) and 3).\n\nIt wasn’t always the case that financial firms could count on cheap hard drives and cloud computing to keep records. Not long ago when filing cabinets (and file rooms) were the norm recordkeeping required substantial resources. It turns out that computers are cheaper and better than humans at storing files by such a wide margin that there are no longer roles for file clerks in the economy.\n\nOur thesis is that GPU-powered computational statistics will similarly transform step 2) above. Ultimately machines, not humans, will prove to be meaningfully better at examining records for _potential_ compliance issues so compliance people can make determinations on compliance risk and mitigation.\n\n### **Asks**\n\nIf you’re a fintech or compliance leader we’d love to hear from you. You can reach us at [founders@greenboard.io](https://mailto:founders@greenboard.io).", "url": "https://www.ycombinator.com/launches/KNr-greenboard-rippling-for-financial-compliance-operations", "votes": 31, "created_at": "2024-02-12T21:58:29.466Z" } ] }, { "id": 29326, "name": "Monumint", "slug": "monumint", "former_names": [ "OmniAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b083afd8b8c08b3bb39c078c8afa1ed5ccfc6f91.png", "website": "https://monumint.com", "all_locations": "San Francisco, CA, USA", "long_description": "Monumint is conversational AI for financial services. We help banks, credit unions, and lenders build lasting customer relationships across the entire customer journey from account opening and loan origination to servicing and collections. Our AI agents are omni-channel, take action inside the systems financial institutions already use, and are built with compliance at their core.", "one_liner": "Conversational AI purpose-built for financial services", "team_size": 10, "industry": "B2B", "subindustry": "B2B", "launched_at": 1699651931, "tags": [ "Fintech", "Finance", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B" ], "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/monumint", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/monumint.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/monumintcom", "x_url": "https://twitter.com/monumintcom", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/monumint", "github_url": "https://github.com/getomni-ai", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b083afd8b8c08b3bb39c078c8afa1ed5ccfc6f91.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/97fe3490838eda0805bd03961de6ac2d5035cb96.png" ], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 457262, "full_name": "Tyler Maran", "title": "Founder/CEO", "founder_bio": "Tyler is the CEO and co-founder of Monumint. Before Monumint, he played a pivotal role in developing AI and ML applications within the healthcare and mental health domains. His experience in establishing ML structures in stringently regulated sectors gives him a unique perspective on the tradeoffs of tech, business, and regulatory considerations.", "is_active": true, "linkedin_url": "https://linkedin.com/in/tyler-maran", "x_url": "https://twitter.com/TylerMaran", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/882991810b4504e1332c51fbf96881b29564ae58.jpg" }, { "user_id": 1628775, "full_name": "Anna Pojawis", "title": "Founder/CTO", "founder_bio": "Anna is the CTO and co-founder of Monumint, a voice AI platform purpose-built for financial services. Prior to Monumint, Anna contributed to growth initiatives at Hightouch, a YC-backed reverse ETL company. She has a background in investment banking and graduated from the University of Connecticut.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/annapoj/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7292d1e102ab7ffd1d17f789d1ddc2a7ca255746.jpg" } ], "jobs": [ { "id": 85187, "title": "Full Stack Engineer", "url": "https://www.ycombinator.com/companies/monumint/jobs/Dr0GIaE-full-stack-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $200K", "equity_range": "0.50% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "PostgreSQL", "TypeScript", "Next.js" ] }, { "id": 98599, "title": "Enterprise Account Executive", "url": "https://www.ycombinator.com/companies/monumint/jobs/8bboV1Y-enterprise-account-executive", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$275K - $325K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 98601, "title": "Mid Market Account Executive", "url": "https://www.ycombinator.com/companies/monumint/jobs/TAqtXXR-mid-market-account-executive", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$225K - $275K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 98604, "title": "Head of Sales", "url": "https://www.ycombinator.com/companies/monumint/jobs/Jv3hz2J-head-of-sales", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$275K - $325K", "equity_range": "0.10% - 0.50%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 98605, "title": "Content Marketing Lead", "url": "https://www.ycombinator.com/companies/monumint/jobs/LkSS77h-content-marketing-lead", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$125K - $175K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 98610, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/monumint/jobs/et9bI4n-forward-deployed-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $200K", "equity_range": "0.50% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Node.js", "PostgreSQL", "React", "TypeScript", "Next.js" ] }, { "id": 98611, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/monumint/jobs/j63VmUv-senior-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $250K", "equity_range": "0.50% - 1.50%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Node.js", "PostgreSQL", "React", "TypeScript", "Next.js" ] }, { "id": 108354, "title": "Enterprise Sales Development Representative", "url": "https://www.ycombinator.com/companies/monumint/jobs/puWsZLX-enterprise-sales-development-representative", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$75K - $125K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 114194, "title": "Strategic Advisor", "url": "https://www.ycombinator.com/companies/monumint/jobs/4ao5iXu-strategic-advisor", "location": "US / Remote (US)", "type": "Contract", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "11+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "OmniAI transforms business data for AI | TechCrunch", "url": "https://techcrunch.com/2024/06/22/omniai-transforms-business-data-for-ai/", "date": "Jun 22, 2024" } ], "launches": [ { "id": 105024, "title": "🏦 Monumint: Voice AI for financial services", "tagline": "AI agents that communicate with customers across the entire financial journey", "body": "## TL;DR\n\nFinancial services has always been a relationship business.\n\n* In the U.S., people spend 10 billion minutes a year on the phone with their bank\n* Only 60% of customer interactions occur during business hours\n* Our customers use Monumint to increase operational capacity by 4x while delivering a 24/7 high-touch customer experience\n\nFrom opening a deposit account to financing a home or growing a business, trust is built through millions of conversations between financial institutions and their customers.\n\nAt Monumint, we're building conversational AI that helps financial institutions communicate with every customer on a more personal level. From account opening and lending to servicing and collections, our AI agents support the entire financial journey.\n\n\n\n## **❌** The problem\n\nFinancial services is one of the largest industries in the world.\n\nEach year in the US there are more than 80 million new consumer and small business loans. There are more than 4,500 banks, 4,500 credit unions, and thousands of mortgage lenders, consumer lenders, and fintechs, all aiming to build lasting relationships with their customers.\n\nDespite this, much of the industry still relies on manual customer operations. Teams spend countless hours following up with customers, chasing documents, answering the same questions, and updating multiple systems.\n\n## **✅** The solution\n\nMonumint is built around three pillars.\n\n**Conversational.** Customers communicate through voice, SMS, email, and built-in web chat.\n\n**Connected.** Our AI agents integrate with existing systems including CRMs, loan origination systems, core banking platforms, and servicing software to retrieve information and take action.\n\n**Compliant.** Every conversation is designed for the regulatory requirements of financial services, including TCPA, fair lending, audit trails, and built-in guardrails.\n\nMonumint makes it possible for financial institutions to build lasting customer relationships at a scale that was never possible before.\n\nToday, we are partnered with some of the largest lenders in the country and have handled more than 5 million customer interactions.\n\n## 🙏 Our ask\n\nWe're looking for intros to banks, credit unions, lenders, and fintechs that want to bring conversational AI into their customer experience.\n\nEmail us at [tyler@monumint.com](mailto:tyler@monumint.com) or [book a demo here](https://calendly.com/meet-tyler/30min).\n\nLet’s build something monumental!", "url": "https://www.ycombinator.com/launches/RJw-monumint-voice-ai-for-financial-services", "votes": 18, "created_at": "2026-07-09T14:41:23.451Z" }, { "id": 78643, "title": "⚡️OmniAI - Structure your unstructured data", "tagline": "Transform unstructured data into beautiful SQL tables.", "body": "Hey everyone 👋 We’re Anna and Tyler from [OmniAI](https://getomni.ai/), and we help clean up data using AI.\n\n### **🪄 Omni in action: Turn YC demo day videos into data**\n\nHere we started with a database of all the public demo day videos and extracted some of the most interesting business metrics — without needing to watch hundreds of videos.\n\n![](https://bookface.ycombinator.com/media/?type=post&id=78643&key=user_uploads/457262/b93d8e72-4fe5-4e43-b2a2-000512664002)\n\n# **Problem**\n\nA company’s most valuable data set is often its least accessible. Only 20% of corporate data lives in SQL, with the remaining 80% locked away in unstructured formats (reviews, chat logs, transcripts, pdfs). It takes some serious engineering work to answer questions like:\n\n* “Graph the most common user complaints over the last 4 years”\n* “What percentage of users complain about pricing on sales calls”\n* “How many users are getting their questions answered by our chatbot”\n\n**And this problem will only get worse as AI interfaces become more ubiquitous and more user data is locked up in chat logs. 🤖**\n\n.\n\n# **How are people solving this today?**\n\nEven YC founders don’t have a unified strategy here. From the hundreds of companies we’ve interviewed, it usually boils down to:\n\n**🌎 Outsourced data entry** - Slow and _surprisingly inaccurate_\n\n🔎 **Spot checking** - Slow and very prone to bias (i.e. _read 10 user reviews and make sweeping business decisions)_\n\n💸 **Hire some ML engineers** - Best results, but it’s going to be slow and expensive\n\n.\n\n# **Solution**\n\nUse OmniAI to turn that unstructured data into tabular data. OmniAI makes it simple to transform and enhance unstructured data, all within your existing data warehouse.\n\n* No engineering time needed\n* No calibrating models\n* And certainly no fighting with AWS SageMaker.\n\n![](https://bookface.ycombinator.com/media/?type=post&id=78643&key=user_uploads/457262/3650ce0e-79d1-4405-9a63-8b0282947c88)\n\n# **How it works**\n\nRun ML models across your data. Categorize, extract, summarize, translate, and more.\n\n* **Connect to a data warehouse -** We support Snowflake, Postgres, MySQL, and MongoDB.\n* **Choose models to run -** Define type safe schemas to run against your unstructured data. Use any of the hosted models, or define your own.\n* **Transform your data -** We’ll run those models against your data, and keep your warehouse in sync as new rows/fields are added/deleted.\n* **Query with SQL -** All the transformed data stays in your warehouse. Surface this data in your product, or analyze with your existing BI tools.\n\n![uploaded image](/media/?type=post&id=78643&key=user_uploads/457262/b2be4691-e98e-44cb-a76e-103b59d51b1e)\n\n# **Meet Tyler & Anna**\n\n[Anna](https://www.linkedin.com/in/annapoj/) comes from building ETLs and data enrichment tools at [**Hightouch**](https://bookface.ycombinator.com/company/12821). While [Tyler](https://linkedin.com/in/tyler-maran) has a background in ML and healthcare applications (most recently at [**Fair Square**](https://bookface.ycombinator.com/company/13215)). We’ve dealt with everything from syncing CRMs to fax machine APIs.\n\nWe’re building Omni because we hate working with messy data, and we can make this problem a little better for everyone.\n\n![uploaded image](/media/?type=post&id=78643&key=user_uploads/457262/25bd169d-bbe0-4c42-ac0b-fbfe55589067)\n\n# **Our ask**\n\n* **Data problems!** We’re constantly adding new tools and would love to hear about the unique data problems you face.\n* **Book a demo** with us at [getomni.ai](https://getomni.ai/)\n* **Tell people about Omni!** Know anyone drowning in a sea of PDFs, or trying to build image classification from scratch? Chances are we can help!\n\nEmail us at [**founders@getomni.ai**](mailto:founders@getomni.ai)", "url": "https://www.ycombinator.com/launches/KSR-omniai-structure-your-unstructured-data", "votes": 184, "created_at": "2024-02-22T16:14:42.416Z" } ] }, { "id": 29327, "name": "Central", "slug": "central", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3fd82ba2859916808ff0e5edd50e4947e539c317.png", "website": "https://centralhq.com", "all_locations": "San Francisco, CA, USA", "long_description": "Central kills back-office work for startups. While HR/payroll platforms give you software to figure it out, Central actually does all the work using AI agents and human experts: payroll, benefits, compliance, accounting, taxes, and more. That's 10+ hours back every month. \r\n\r\nThousands of founders trust Central. Learn more and start for free at centralhq.com", "one_liner": "Payroll, benefits, state compliance & other bullsh*t for startups", "team_size": 15, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1716561030, "tags": [ "Fintech", "B2B", "HR Tech", "Payroll", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Acquired", "industries": [ "B2B", "Human Resources" ], "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/central", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/central.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/centralhq/", "x_url": "https://x.com/CentralHQX", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3fd82ba2859916808ff0e5edd50e4947e539c317.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": 56283, "full_name": "Josh Wymer", "title": "Founder/CTO", "founder_bio": "Josh is the CEO at Central. He was the 12th employee at Mixpanel, ran product engineering, and helped scale it to $1b+ valuation. He's also worked as a software engineer at Meta and played baseball at Virginia Tech.", "is_active": true, "linkedin_url": "https://linkedin.com/in/joshwymer", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eb3e9cefbfbc528ba1011f61bc10ff45d985ed7b.jpg" }, { "user_id": 1138688, "full_name": "Pranav Kashyap", "title": "Founder/COO", "founder_bio": "Pranav is the COO at Central, helping other companies automate back-office work. He previously built payment and tax products for millions of users at Stripe, rebuilt Mixpanel's self-serve and messaging products and spent a number of years working with technology companies at McKinsey and Sequoia Capital. He holds a bachelor's degree in Computer Science from IIT Bombay and an MBA from Wharton. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/pranav-kashyap", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5a75b764e2716fd5f153f2c101267b77c0e0d459.jpg" }, { "user_id": 206328, "full_name": "Nilay Modi", "title": "Founder", "founder_bio": "Product & design", "is_active": true, "linkedin_url": "https://linkedin.com/in/thenilaymodi", "x_url": "https://twitter.com/nilaymod", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/617b53a187d9dc0a6cfef02a8a19fc213baed841.jpg" } ], "jobs": [], "news": [ { "title": "Central raises $8.6M from First Round Capital & YC", "url": "https://centralhq.com/first", "date": "Oct 16, 2025" } ], "launches": [ { "id": 93937, "title": "Central – Accounting, Taxes & R&D Tax Credits + Payroll, Benefits & State Compliance", "tagline": "Your entire back-office in one platform. ", "body": "\\~70% of every company’s expenses are related to people.\n\nBut today’s HR/payroll and accounting systems are separate. This leads to lost context, and founders end up with more work by having to answer the same questions repeatedly.\n\n**Central now solves this by consolidating your entire back-office:** accounting, taxes, R&D tax credits plus payroll, benefits, and state compliance.\n\n200+ YC companies have already made the switch to using Central for everything, including Wordware, Bitesight, Offstream, 1849 Bio and Undermind.\n\n**Learn more and get started for free at [centralhq.com](http://centralhq.com)**\n\n![uploaded image](/media/?type=post&id=93937&key=user_uploads/206328/caf3dadd-ad64-468b-9f5a-1cb92df3ec60)\n\n---\n\n—\n\n# **Why Central for accounting, taxes & R&D credits:**\n\n1. **One platform for your entire back-office**\n * Onboard once and never answer the same question again across vendors\n * Accurate closed books every month\n * Federal, state, and local franchise tax filings\n * Unlimited 1099s for all contractors\n * Complete R&D study & instant redemption to payroll\n * Includes Central payroll, benefits, and state compliance\n2. **Talk to your financials in Slack**\n * Query your burn, runway, revenue, etc.\n * Find docs like P&L, balance sheet, etc\n * Get answers to common financial questions\n3. **Bookkeeping built for fundraising**\n * Better categorization with more company context\n * Proper revenue recognition & asset depreciation\n * Financial summary every month to share with investors\n * Get custom diligence docs & reports fast\n4. **Dedicated startup CPA in Slack**\n * One point of contact who understands your business\n * Message them anytime in Slack\n * Catch mistakes before they happen.\n5. **White-glove migration / set up in 15 mins**\n * Run on QuickBooks or Puzzle (you own your account)\n * Just add us as an admin\n * Historical review and clean up\n\n![uploaded image](/media/?type=post&id=93937&key=user_uploads/206328/126c04e8-f424-4519-84f7-fe3a3ffd8c76)\n\n—\n\n# **Comes with payroll, health insurance and state compliance:**\n\nMore info here - [centralhq.com](http://centralhq.com)\n\n1. **Payroll**\n * Pay US employees\n * Pay global contractors in 200+ countries\n * Unlimited pay runs, one-off payments, reimbursements, etc.\n2. **Compliance in 50 US states**\n * State foreign qualifications and registered agent (required to do business)\n * State payroll registrations (required to run payroll)\n * Workers' compensation insurance (required when you have 1 employee)\n * Government mail handling and past fine resolution\n3. **Benefits**\n * Access to a licensed health insurance broker\n * Medical, dental, vision, life, disability insurance\n * Guidance to pick the right plans & save money\n * 401(k)\n4. **HR & team management**\n * Offer letters, CIIAA, and other docs\n * I-9 employment verification\n * Onboarding, off-boarding, severance, etc\n5. **Central AI Agent in Slack**\n * Find and edit anything like salaries or addresses\n * Start workflows like hiring or firing\n * Retrieve docs like paystubs or certificate of incorporation\n6. **24/7 human support & experts (Slack & email)**\n7. **White-glove migration & setup (takes 15 mins)**\n\n![uploaded image](/media/?type=post&id=93937&key=user_uploads/206328/23007f01-fa46-4733-b62f-e40644eb38cf)\n\n—\n\n# **Get started for free - [centralhq.com](http://centralhq.com)**\n\n* **First 50 companies (limited offer)** - Free payroll, benefits, state compliance (free period based on team size, needs and batch). Add-on accounting, taxes & R&D credits ([see pricing](https://centralhq.com/pricing))\n* **YC F25 -** Everything above + free accounting (ends when you raise post-YC or after 6 months)\n* One quick call to see demo & setup everything. Migrating? We do all the work.\n* No annual contracts. Cancel anytime.", "url": "https://www.ycombinator.com/launches/OR7-central-accounting-taxes-r-d-tax-credits-payroll-benefits-state-compliance", "votes": 26, "created_at": "2025-09-18T19:49:49.798Z" }, { "id": 81853, "title": "Central: Payroll + benefits for startups. Save weeks of work & fines.", "tagline": "The first back-office platform that automates all the painful compliance work.", "body": "# **📝 TL;DR:**\n\n* [Central](https://www.centralhq.com/?utm_source=launchyc) is the first payroll & benefits platform for startups that automates all the painful compliance work – saving you weeks of work and fines.\n* **Start for free -** [**www.centralhq.com**](https://www.centralhq.com/?utm_source=launchyc)\n * _10 mins to setup + we’ll do all the migration work._\n\n# ——\n\nFounders are drowning in back-office work. Even with the current recommended platforms, payroll, benefits, compliance was a never-ending pain in the…\n\nWhy do founders still need to understand all this?\n\nWhy do founders still have to register in multiple states to run payroll, set up worker’s compensation, pay random payroll related taxes, deal with scary government mail, update addresses across state filings, troubleshoot with insurance companies?\n\nA tragedy…\n\n![uploaded image](/media/?type=post&id=81853&key=user_uploads/206328/d5e37454-5cab-44bb-8571-603fab041299)\n\n# ——\n\n# **👋 HELLO CENTRAL: Save weeks of work & avoid fines.**\n\nCentral is the first payroll, benefits & ops platform designed for busy founders, not HR/finance professionals.\n\nUnlike other platforms, Central handles each compliance task from start to finish. You don’t need to learn or do anything. You just keep building because that’s what truly matters.\n\n![uploaded image](/media/?type=post&id=81853&key=user_uploads/206328/953f0471-3542-449f-adf7-4b7770223603)\n\nSo, here’s everything you get:\n\n**Payroll & compliance**\n\n1. **Hire and pay anyone globally:** Central supports founders & employees in all 50 U.S. states and contractors in 200+ countries. We’ll handle reimbursements, offer letters, NDAs, I-9 verification, and more.\n2. **Automated payroll state registrations:** Existing platforms make founders interface with state agencies, leading to errors & fines. Central automates this entire process resulting in accurate tax IDs and withholding rates.\n3. **Automated payroll tax filings:** Existing platforms cover some taxes, and leave founders to handle the rest, leading to mistakes and fines. Central pays all taxes and verifies payments with federal, state, and local agencies.\n4. **Automated worker’s comp:** When you hire your first employee in a state, you need state-specific worker’s compensation insurance. Existing platforms make you go to other platforms to get a policy, leading to missed coverage and fines. Instead, Central sets it up and ensures payment automatically.\n5. **Government mail monitoring**: Founders often miss important government mail due to address changes. To combat this, Central adds a virtual mailing address to all of your state filings. This virtual address stays the same when you move, so Central can notify you about government mail and take the appropriate action.\n\n**Business compliance & insurance**\n\n1. **Foreign qualifications & city registrations:** Central handles the necessary business filings & the registered agent in your HQ city/state and other states when required.\n2. **Continuous BOI reporting to FinCEN:** The Corporate Transparency Act requires companies to submit beneficial ownership information (BOI) reports to FinCEN. Central files this for you and keeps it updated as officers and their information change.\n3. **Business insurance:** Central can set up insurance for general liability, directors and officers, cyber, errors and omissions, and more.\n\n**Benefits**\n\n1. **Medical, dental & vision insurance:** Central offers plans from top carriers for small groups and individuals. We automate setup and payments, making it easy for you. Pranav (co-founder at Central) is a licensed broker and expert and can guide you to avoid common mistakes.\n2. **Life insurance:** Integrated with payroll for pre-tax deductions.\n3. **401k:** Central partners with Guideline to provide easy payroll integration and pre-tax deductions.\n\nAnd, support via a shared Slack channel, phone & email.\n\n# ——\n\n## **🏎️ GET STUFF DONE INSTANTLY VIA SLACK**\n\nExisting platforms are a maze. You need to dig through 7 layers of UI with a shovel to get anything done.\n\nWith Central, you simply ask our bot, and it handles it for you (with your confirmation).\n\nIt’s like your company’s first head of HR/finance.\n\nOur customers love the ease of:\n\n* **Retrieving company info & docs:** Get company EIN, certificate of incorporation, W-9, etc.\n* **Updating employee info:** Adjust salaries, start dates, titles, etc.\n* **Accessing personal docs:** Find offer letters, paystubs, health insurance cards, W-2s etc.\n* **Tracking offers & payroll:** See when employees sign, onboard, and get paid.\n* **Understanding their paystubs:** Break down taxes, pay dates, and more.\n\n# ——\n\n# **🎁 START FOR FREE -** [www.centralhq.com](https://www.centralhq.com/?utm_source=launchyc)\n\n_10 mins to setup + we’ll do all the migration work_\n\n![uploaded image](/media/?type=post&id=81853&key=user_uploads/206328/66b08b5c-d351-471e-8ddf-f16a0403be18)\n\n", "url": "https://www.ycombinator.com/launches/LID-central-payroll-benefits-for-startups-save-weeks-of-work-fines", "votes": 135, "created_at": "2024-07-01T19:57:33.995Z" } ] }, { "id": 29338, "name": "Consul", "slug": "consul", "former_names": [ "Swift" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/da998da761a1d592662c99baf11bb078b9de572e.png", "website": "https://onconsul.com", "all_locations": "New York City, NY, USA", "long_description": "Consul is building the future of payouts for the online economy. We make it easy for marketplaces, agencies, and startups to make payouts using stablecoins.", "one_liner": "The Stablecoin Payouts Platform", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1709330171, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/consul", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/consul.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/onconsul/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/da998da761a1d592662c99baf11bb078b9de572e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 234272, "full_name": "David Lalor", "title": "Founder/CEO", "founder_bio": "Co-Founder/CEO at Consul. Before Consul, I started my first company, Virra, at 16 and did half a million in annual revenue, studied computer science and economics at Stanford (before dropping out to start Consul), and worked as an engineer at Intercom. From a small village in Ireland.", "is_active": true, "linkedin_url": "https://linkedin.com/in/davidlalor5", "x_url": "https://x.com/david_lalor", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/de1c8b8c4a0a1a684088210f156ac2b0e8a73290.jpg" }, { "user_id": 571917, "full_name": "Rakeeb Hossain", "title": "Founder/CTO", "founder_bio": "Co-Founder/CTO at Consul. Before Consul, I studied computer science and math at the University of Waterloo, worked at Snap and Tesla Autopilot, and built brokerage infrastructure at Finary. I also built Memsnap, which was accepted to ASPLOS 2024 (https://dl.acm.org/doi/abs/10.1145/3620666.3651334).", "is_active": true, "linkedin_url": "https://linkedin.com/in/rakeebhossain", "x_url": "https://x.com/rakeeb_hossain", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/336ddeadba8a1bb3f40bd88e49bb5a083e7b6ea5.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 29343, "name": "Infinity", "slug": "infinity", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6d4375431e4067cbd0c409f02ba66c5924b3c146.png", "website": "https://www.infinityapp.in/", "all_locations": "Bengaluru, KA, India", "long_description": "Infinity is a banking and payments platform for cross-border businesses in India. We help our customers make cross-border payments that are 70% cheaper than traditional methods and earn income on idle cash by investing in government securities.", "one_liner": "Business banking for cross-border SMBs & Startups", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1706317593, "tags": [ "Fintech", "Payments", "B2B", "Investing", "International" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/infinity", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/infinity.json", "year_founded": 2023, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/infinityinvest/", "x_url": "https://x.com/Infinityapp_in", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6d4375431e4067cbd0c409f02ba66c5924b3c146.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1347097, "full_name": "Sourav Choraria", "title": "Founder/CEO", "founder_bio": "Sourav is the founder & CEO of Infinity, a business banking platform for cross-border SMBs. Prior to Infinity, Sourav co-founded ClinMD(2016), healthcare data analytics company. Sourav was former head of growth at Paytm Money, India's largest wealth management platform and scaled it to 20 million MAU. He also launched India's first FD-backed secured credit card and scaled it to 100,000 users in 1 year.\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/sourav-choraria-9b389776", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/631281fa8a93eec3dd427765fff443c446ec2092.jpg" }, { "user_id": 224267, "full_name": "Sidharth Choraria", "title": "Founder/CTO", "founder_bio": "Was previously an Amazon engineer and PM working on Appstore. Launched Amazon Appstore IAP module (equivalent to Google Billing Library) used by app developers to monetise digital goods. Developed an instant electronic payment system to pay out app developers across 135 countries. Founding engineer of Paytm Travel & Platform Engineer at MakeMyTrip,developing systems to handle 100M daily requests. CS grad from Birla Institute of Technology & MBA in Finance from Indian School of Business.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sidharth-choraria-25411b65/details/experience/", "x_url": "https://twitter.com/sidharth9932", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bc1f097e9a8afca2f398a44cc546a741582b4d32.jpg" } ], "jobs": [ { "id": 75959, "title": "Software Engineer - Backend", "url": "https://www.ycombinator.com/companies/infinity/jobs/OFwxm4z-software-engineer-backend", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "₹1M - ₹2M INR", "equity_range": "0.20% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Java" ] } ], "news": [ { "title": "[Exclusive] Y-Combinator-backed Infinity bags $1.9M in pre-seed funding | YourStory", "url": "https://yourstory.com/2025/02/exclusive-y-combinator-cross-border-payments-fintech-startup-infinity-bags-pre-seed-funding", "date": "Feb 05, 2025" }, { "title": "Infinity: Business banking platform Infinity secures maiden funding from Y Combinator and others - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/funding/business-banking-platform-infinity-secures-maiden-funding-from-y-combinator-and-others/articleshow/116166893.cms?from=mdr", "date": "Dec 10, 2024" }, { "title": "Cross-border fintech stands out in Y Combinator’s Winter 2024 cohort | TechCrunch", "url": "https://techcrunch.com/2024/04/05/cross-border-fintech-y-combinator-demo-day/", "date": "Apr 05, 2024" } ], "launches": [ { "id": 87402, "title": "Infinity - Simplifying global payments for Indian businesses", "tagline": "Receive international payments with - Zero fx margin. No hidden fees. 1-day settlement.", "body": "**TL;DR:**\n\nWhether you’re a SaaS startup managing payouts to Indian contractors or a growing business sending vendor payments to India or Operating in US Parent Indian subsidiary model, Infinity’s cross-border payments platform offers:\n\n* **Transparent, real-time FX rates.**\n* **Significantly lower fees compared to traditional banks and other providers.**\n* **Same-day settlements.**\n* **Payment Tracking / Notifications**\n* **Seamless compliance for businesses (e.g., invoicing, tax reporting).**\n\n### The Problem\n\nThe US-India payment corridor is one of the busiest globally, yet businesses face slow processing times, high fees, and hidden charges. For startups and growing companies, these inefficiencies can be a real bottleneck. In general _for every dollar a business moves from the US to India, **business loses 3-5%**_**.**\n\nOne of the primary issues with FX transactions is the lack of transparency regarding the total cost of executing payments. These costs often include:\n\n1. Wire transfer fees\n2. Correspondent bank fees\n3. Currency conversion fees\n4. Intermediary fees, among others\n\nWhile some **_providers may highlight lower fees in one category, they often compensate with higher charges in another,_** resulting in minimal or no real savings.\n\nAlso, **global payments are slow with no visibility** on the fund movement.\n\nIn the majority of instances, international bank transfers are facilitated via the SWIFT network. This network ensures the transmission of your payment to its intended recipient. Nevertheless, the path isn't always direct. Certain payments may be routed through intermediaries, often referred to as correspondent banks, akin to making multiple connecting flights before reaching your final destination.\\\n\\\n**Solution**\\\nIntroducing [Infinity](https://youtu.be/N9sdLr5QUig?si=uJPFxXZxH39au9Ht)!\n\n\\\nStreamline global customers and suppliers’ payments with local accounts.\n\n**1) Multi-currency accounts - one platform:** Easily receive funds in major currencies to facilitate transactions with overseas suppliers and customers.\n\n**2) Flat Fee - with zero FX markup:** Be fully transparent about the charges you incur. Receive a comprehensive breakdown of fees before each transaction to avoid any surprises.\n\n**3) Fast, same-day international money transfer:** Track your payment in real-time.\n\n**4) Instant remittance certificate:** You move money. Infinity will take care of compliance.\\\n\\\n**Asks**\n\nAre you dealing with cross-border operations?\n\n* **Try out Infinity** at — your first payment is on us!\n* [Schedule a meeting](https://calendly.com/sourav9091/) — We’d love to learn more about your global business challenges and how we can help.\n* **Email us** at [founders@infinityapp.in](mailto:founders@cuckoo.so)\n\n\\\n**😎 Team**\n\nSourav and Sidharth are siblings. This is their second startup together. Back in 2016, they co-founded health tech startup ClinMD.\n\n![uploaded image](/media/?type=post&id=87402&key=user_uploads/224267/5a1859ad-8620-4934-bce6-2e46693802e0)\n\n[Sourav](https://www.linkedin.com/in/sourav-choraria-9b389776/) was Head of the growth and product team at Paytm Money (India's largest wealth management platform). He also successfully launched India's first FD-backed credit card.\n\n[Sidharth](https://www.linkedin.com/in/sidharth-choraria-25411b65/) is a finance & tech geek. He spearheaded the In-app purchase module for the Amazon Appstore, utilized by app developers to monetize digital content globally. He successfully scaled systems to manage 100 million daily requests during his time at Paytm and MakeMyTrip.", "url": "https://www.ycombinator.com/launches/Mji-infinity-simplifying-global-payments-for-indian-businesses", "votes": 20, "created_at": "2025-02-04T15:16:33.974Z" }, { "id": 78490, "title": "🚀 Infinity - Business banking for cross-border SMBs and startups", "tagline": "Infinity is a single platform to manage finances for cross-border business.", "body": "### TL;DR:\n\nInfinity simplifies banking for global businesses. It enables cross-border Indian companies to conduct transactions and receive payments in local currencies. Additionally, Infinity offers an in-house treasury management solution, allowing businesses to earn yield on idle cash and mitigate FX risks.\n\nHey everyone! We’re [Sourav](https://www.linkedin.com/in/sourav-choraria-9b389776/) and [Sidharth](https://www.linkedin.com/in/sidharth-choraria-25411b65/) and we're building a business banking platform for cross-border SMBs and Startups. In our past jobs, we worked as founders, wealth managers, growth hackers, and founding engineers at high-growth fintech startups.\n\n![uploaded image](/media/?type=post&id=78490&key=user_uploads/1347097/151b89e9-ff7d-4da8-8fd1-758c5bc04cac)\n\n### \n\n### 🤔 Problem\n\nBusiness banking is difficult. More so if you are global. Cross-border payments pose several challenges due to the complexities involved in transferring funds across different countries and jurisdictions.\\\n\\\n**Global payments are expensive**\\\nOne of the more basic issues with FX transactions is the lack of transparency in terms of the cost to execute FX payments. These costs can include wire transfer fees, correspondent bank fees, currency conversion fees, and intermediary fees, among others. While existing market providers might stress that one factor is low (lower than that of a competitor), that same institution might have high fees in another area, offsetting those savings.\n\n_In general for every dollar a business moves from the US to India, business loses **7%.**_\n\n**Global payments are slow**\\\nIn the majority of instances, international bank transfers are facilitated via the SWIFT network. This network ensures the transmission of your payment to its intended recipient. Nevertheless, the path isn't always direct. Certain payments may be routed through intermediaries, often referred to as correspondent banks, akin to making multiple connecting flights before reaching your final destination.\n\n_Generally speaking, international bank transfers will arrive within **one to five working days**._\n\n**There’s a compliance risk** \\\nEach transaction must be promptly reported to the Central Bank of India, accompanied by the correct invoice and purpose codes (of which there are numerous variations), sign-off from chartered accountants, etc. Failure to comply with these requirements can result in payment delays extending for months.\n\n**And There’s a FX risk**\\\nThe conversion rates between USD and INR are variable.\n\n![uploaded image](/media/?type=post&id=78490&key=user_uploads/224267/144ca69a-c117-4837-b4ae-731cfed5fc15)\n\nWhat you receive today may differ from what you get in five days. If a business converts USD to INR five days from now and the dollar weakens, it will incur losses.\n\n### 🤩 The Solution\n\nIntroducing Infinity!\\\nStreamline global customers and suppliers’ payments with local accounts.\n\n**1) Multiple local currency accounts - one platform:** Easily send, hold, and receive funds in major currencies to facilitate transactions with overseas suppliers and customers.\\\n**2) Flat Fee - with zero FX markup:** Be fully transparent about the charges you incur. Receive a comprehensive breakdown of fees before each transaction to avoid any surprises.\\\n**3) Fast, same-day international money transfer:** Track your payment in real time.\\\n**4)** **Treasury service to hedge FX:** Earn higher yields on idle cash without worrying about liquidity and underlying asset risk.\\\n**5) Instant remittance certificate:** You move money. Infinity will take care of compliance.\n\n![uploaded image](/media/?type=post&id=78490&key=user_uploads/224267/aa9f08af-a85a-4252-b889-f62c1e2a2d6a)\n\n\\\nOur long-term vision is to be the **_financial operating system_** for businesses by automating daily financial tasks, allowing them to focus on what matters most. \n\n### 😎 **Team**\n\nSourav and Sidharth are siblings. This is their second startup together. Back in 2016, they co-founded health tech startup ClinMD.\n\n[Sourav](https://www.linkedin.com/in/sourav-choraria-9b389776/) was Head of the growth and product team at Paytm Money (India's largest wealth management platform). He also successfully launched India's first FD-backed credit card. \n\n[Sidharth](https://www.linkedin.com/in/sidharth-choraria-25411b65/) is a finance & tech geek. He spearheaded the In-app purchase module for the Amazon Appstore, utilized by app developers to monetize digital content globally. He successfully scaled systems to manage 100 million daily requests during his time at Paytm and MakeMyTrip.\n\n### **🙏 Our Ask**\n\nIf you want to try us out or to know how to manage your cash, please reach out to us. We’d love to give you a demo of how Infinity works, and even if not, we’d be happy to help you figure out your cash management situation.\n\nSay hi at [**sourav@infinityapp.in**](https://mailto:sourav@infinityapp.in/) or [**sid@infinityapp.in**](https://mailto:sid@infinityapp.in/) or Whatsapp at +91-9535482864 👋🏻\n\nAnd we’ll help you get started!\n\nYou can also [fill this form](https://dashboard.infinityapp.in/auth/signup) to request a demo.\n\n* Website —[**https://www.infinityapp.in**](https://www.infinityapp.in/)\n* LinkedIn — [**https://www.linkedin.com/company/infinityinvest**](https://www.linkedin.com/company/infinityinvest)", "url": "https://www.ycombinator.com/launches/KPy-infinity-business-banking-for-cross-border-smbs-and-startups", "votes": 164, "created_at": "2024-02-16T22:41:05.516Z" } ] }, { "id": 29349, "name": "Fuse", "slug": "fuse-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3cc54fa641b3cb3228721daab125c19f08d117b8.png", "website": "http://www.fuseinsight.com", "all_locations": "London, England, United Kingdom", "long_description": "AI-powered automation for US healthcare provider workflows like patient intake, eligibility and benefits checks and billing using data-driven approaches. \r\n\r\nIf you know senior execs in medical groups or partners in healthcare PE please do connect us. We won’t waste their time: +1 628 468 3232.", "one_liner": "AI-powered workflow automation for US healthcare providers.", "team_size": 3, "industry": "Healthcare", "subindustry": "Healthcare", "launched_at": 1724162501, "tags": [ "Fintech", "Payments", "B2B", "Healthcare", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Healthcare" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fuse-2", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/fuse-2.json", "year_founded": 2024, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/fuseinsight/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3cc54fa641b3cb3228721daab125c19f08d117b8.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": 1507819, "full_name": "Sho Sugihara", "title": "Founder", "founder_bio": "Sho is a repeat founder. He co-founded and scaled a fintech startup to multi-million $ ARR within twelve months from launch and eventual profitability. Before that, he worked on data analytics projects at McKinsey for some of the largest healthcare systems in the world, including the NHS and several of the top ten private healthcare insurers. He studied at Cambridge and the Karolinska Institutet. He is originally from Japan. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/shoalexander", "x_url": "https://x.com/_ShoSugihara", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f81db307d2bb516fefea44516f2cc60bcb3b3d0c.jpg" }, { "user_id": 1540213, "full_name": "Oscar Wilsby", "title": "Founder", "founder_bio": "Oscar has built large-scale payments and credit data analytics models that outperformed incumbents like Experian by a significant margin. These models helped power the first startup he co-founded and scaled to a multi-million $ run rate. Before tech, Oscar was a post-doc researcher and completed an MEng and PhD in Machine Learning and Computational Physics at Cambridge. He’s worked in research divisions for companies like McLaren F1 and Dyson, applying machine learning to complex data problems. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/oscar-wilsby-71020931", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3d5b4ff871d69b8c2882ed3367af6410552b5dab.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 83233, "title": "Fuse - Underpayment detection for healthcare providers", "tagline": "AI-powered contract and remittance analytics to detect insurance underpayments.", "body": "**TL;DR:** [Fuse](https://fuseinsight.com/) offers AI-powered analysis of healthcare contracts and payments to help providers detect underpayments and collect the revenue they’re owed from insurers.\n\n# **❌ Problem**\n\nOur “aha” moment came when healthcare provider execs repeatedly told us they had no idea if their revenue was accurate. One even described their insurance claims process as a “black hole”. \n\nSeveral factors contribute to this issue: \n\n1. Growing usage of AI. Insurers are using sophisticated models to analyze claims and find ways to subtly underpay.\n2. Too many contracts: An average hospital has over 50 contracts with insurers with varying reimbursement rates for the same procedure, making payment accuracy verification costly and near impossible.\n3. M&A wave: Mergers are forcing providers to consolidate contracts and revenue tracking systems, adding further complexity.\n\nAs a result, providers spend months analyzing revenue and chasing payments, forfeiting up to 11% of topline revenue if they cannot afford the overhead to do so.\n\nWith provider operating margins already negative since COVID-19, the situation creates severe margin compression and cash flow risk.\n\n# **Solution**\n\nWe use LLMs to extract data from the stacks of contracts that dictate provider payment terms from insurers. We reconcile the data against remittances to identify underpayments and auto-generate appeals.\n\n![uploaded image](/media/?type=post&id=83233&key=user_uploads/1507819/169bfbcd-d6cd-41ba-86d1-f63d06334f04)\n\nOur mission is to level the playing field for providers with AI-powered contract analytics. Beyond this, we want to aid the transition towards Value-Based Care by powering sophisticated contract modeling as payment models become even more complex.\n\n# **Team**\n\nOur team specializes in complex financial data analytics. We previously co-founded a business that grew from $0 to $6M ARR in 12 months, developing large-scale data models for payment and credit analytics that outperformed major players like Experian.\n\n![uploaded image](/media/?type=post&id=83233&key=user_uploads/1507819/bb33a54c-d510-46da-88bf-afe733d457c3)\n\n[Oscar](https://www.linkedin.com/in/oscar-wilsby-71020931/) (CTO) was an academic who completed a PhD and postdoc in Machine Learning at Cambridge. He’s worked in research divisions for companies like McLaren F1, and brings expertise in building top performing data models in highly regulated industries. \n\n[Sho](https://www.linkedin.com/in/shoalexander/) (CEO) met Oscar during their first week of undergrad at Cambridge. He’s a repeat entrepreneur and closed a $100k contract within a year for his first company, and has worked on data analytics projects for some of the largest providers and insurers in the world at McKinsey.\n\n# **🙏 Our Ask**\n\n**If you know senior finance execs in healthcare systems or partners at healthcare PE firms please do connect us!** [**founders@fuseinsight.com**](https://mailto:founders@fuseinsight.com)", "url": "https://www.ycombinator.com/launches/LeT-fuse-underpayment-detection-for-healthcare-providers", "votes": 63, "created_at": "2024-08-20T18:16:08.639Z" } ] }, { "id": 29390, "name": "OffDeal", "slug": "offdeal", "former_names": [ "Sidekick Labs" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/23d3f5ab2e3955f14083478510c8a7ab18cb9f8f.png", "website": "https://offdeal.io", "all_locations": "New York City, NY, USA", "long_description": "OffDeal is an AI-native investment bank, offering small business owners a faster, cheaper way to sell their companies at premium prices. Our AI technology automates most of the grunt work typically done by analysts at larger Wall Street banks, enabling our in-house M&A advisors to focus more on strategic client interactions, leading to better outcomes for both sellers and buyers.", "one_liner": "AI-native investment bank for small businesses", "team_size": 25, "industry": "B2B", "subindustry": "B2B", "launched_at": 1709626394, "tags": [ "Fintech", "B2B", "SMB", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/offdeal", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/offdeal.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/offdeal/", "x_url": "https://twitter.com/tryoffdeal", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/23d3f5ab2e3955f14083478510c8a7ab18cb9f8f.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": 1297689, "full_name": "Ori Eldarov", "title": "Founder/CEO", "founder_bio": "Founder / CEO @ OffDeal \n\nbuilding an AI-native investment bank for buying and selling small businesses. \nprev. mba @ harvard + couple of startup stints. \nlover of carbs and espresso martinis. avid runner and cyclist. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/eldarov", "x_url": "https://twitter.com/leveredvlad", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1390b2e045e15cf7d2fe8b69181bc657c34ffe19.jpg" }, { "user_id": 1553916, "full_name": "Alston Lin", "title": "Founder/CTO", "founder_bio": "Founder / CTO @ OffDeal.\n\nPreviously, \nFounder / CTO @ Bizwise, \nSWE / SWE Intern @ Meta, Google, Yelp, PagerDuty, IBM, and Encircle. \nSoftware Engineering @ University of Waterloo.", "is_active": true, "linkedin_url": "https://linkedin.com/in/alstonlin", "x_url": "https://x.com/alstonthelin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2b3963f281dfb2544459d8ef63aa668b52d0ea61.jpg" } ], "jobs": [ { "id": 80117, "title": "Full Stack Engineer", "url": "https://www.ycombinator.com/companies/offdeal/jobs/B8lTBlY-full-stack-engineer", "location": "New York", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $230K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 80744, "title": "Full Stack Engineer (New Grad)", "url": "https://www.ycombinator.com/companies/offdeal/jobs/c2sQf8D-full-stack-engineer-new-grad", "location": "New York", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K - $180K", "equity_range": "0.10% - 0.30%", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [ "Node.js", "React", "TypeScript" ] } ], "news": [ { "title": "These AI-Native Companies Have Tiny Staffs and Fewer Bosses", "url": "https://www.wsj.com/tech/ai/ai-companies-staffing-c9029343", "date": "Jul 18, 2026" }, { "title": "I Took a Calculated Risk and Left JPMorgan for an AI Investment Bank - Business Insider", "url": "https://www.businessinsider.com/left-jp-morgan-analyst-join-ai-investment-bank-startup-advice-2025-10", "date": "Oct 11, 2025" }, { "title": "Wall Street's new AI era: OffDeal CEO on using AI to disrupt investment banking", "url": "https://www.cnbc.com/video/2025/08/04/wall-streets-new-ai-era-offdeal-ceo-on-using-ai-to-disrupt-investment-banking.html", "date": "Aug 04, 2025" }, { "title": "OffDeal Pioneers AI-Native Investment Banking for the Middle Market", "url": "https://www.startuphub.ai/ai-news/ai-video/2025/offdeal-pioneers-ai-native-investment-banking-for-the-middle-market/", "date": "Aug 04, 2025" }, { "title": "How OffDeal’s Viral ‘$12M Series A’ Broke Wall Street’s Brains", "url": "https://www.sourcery.vc/p/how-offdeals-viral-12m-series-a-broke", "date": "Aug 03, 2025" } ], "launches": [ { "id": 79184, "title": "OffDeal - AI broker for buying small businesses", "tagline": "Custom-built AI agents to find, vet, and engage SMB acquisition targets", "body": "Howdy folks 👋🏻 We’re [Ori](https://www.linkedin.com/in/eldarov/) and [Alston](https://www.linkedin.com/in/alstonlin/) from [OffDeal](http://www.offdeal.io) and we’re building an AI broker that helps individual buyers find and acquire small businesses. \n\n# tl;dr\n\nFinding the right small business to acquire is painfully manual and tedious - an average buyer takes almost two years to buy one! 🫨\n\nOffDeal puts SMB deal sourcing on autopilot. Our AI broker\n\n* Screens through millions of SMBs using semantic search on dozens of data points to identify potential targets \n* Automatically researches each one to ensure criteria match using custom AI web agents\n* Crafts and sends hyper-personalized emails to maximize response rate\n\nSince launching our closed beta two weeks ago, we have about a dozen buyers using OffDeal to source $10-50 million SMB acquisitions.\n\n# **❌ Problem: Buying a small business takes 18-24 months**\n\nThe current process of finding a small business to buy is painstakingly slow and tedious. Today, buyers rely on a combination of expensive SMB databases (e.g. Grata, Sourcescrub) and manual research, often involving a makeshift \"deal team\" of unpaid interns and offshore assistants. \n\nThis cobbled-together system creates a major bottleneck, typically allowing buyers to only assess 100-150 businesses per week (and that's considered good!). Since buyers usually need to go through \\~10,000 businesses before finding “the one”, the entire process becomes incredibly time-consuming, frustrating, and expensive.\n\n## **✨ Our Solution: AI Broker to find, diligence, and engage 10x more SMB targets**\n\nOur AI broker acts much like a human M&A advisor would - it finds targets, diligences them, and then reaches out to them on your behalf. However, unlike a human, our AI broker is powered by proprietary recommendation engines and custom-built AI agents and can do this for thousands of companies at a time 👀\n\nHere is how it works:\n\n**Step 1.** 🔎**Preliminary target list** \n\nOur AI screens through millions of SMBs on dozens of data points using LLM-powered semantic search to uncover off-market hidden gems that match your exact acquisition criteria.\n\n![uploaded image](/media/?type=post&id=79184&key=user_uploads/1297689/3137a403-b062-4ac1-a4ac-d6f626df2c51)\n\n**Step 2. 🧠 Offload tedious research**\n\nOur web-enabled AI agents conduct automated diligence, vetting thousands of companies to deliver a precision-targeted shortlist in minutes, not days.\n\n![uploaded image](/media/?type=post&id=79184&key=user_uploads/1297689/b2aae969-b311-4a27-80f3-1be6afde6f4b)\n\n**Step 3.⚡Automate personalized outreach**\n\nOur AI uses dozens of data points to craft and send hundreds of hyper-personalized messages each week, helping you stand out from other buyers and fill your calendar with owner calls.\n\n![uploaded image](/media/?type=post&id=79184&key=user_uploads/1297689/e224acfd-e6f7-459c-b4f3-81b2933cbb57)\n\n# **Our first customers**\n\nTo start we’re focusing on “search funds”. These are individuals (typically MBAs from top programs) who raise money from institutional investors to acquire a small business.\n\nThis is an ideal first customer because: \n\n1. They only have 2 years to find a business (or have to return capital)\n2. 30% of searchers fail to find a deal within that timeframe\n3. They are happy to pay finder fees for successful introductions\n4. Ori personally knows dozens of them from his time at HBS and working in finance, making for a much easier GTM 🙂\n\nBeyond search funds, we plan to expand to private equity firms, which buy thousands of SMBs each year, as well as to a rapidly growing number of individuals choosing to leave the rat race and pursue acquisition entrepreneurship.\n\n# \n\n# 🤝🏻**Team**\n\n[Ori Eldarov](https://www.linkedin.com/in/eldarov/) (CEO) first came across this problem in 2019 - when he attempted (unsuccessfully) to acquire a business. A couple of years later, he saw dozens of his classmates at HBS go through the same struggles. \n\n[Alston Lin](https://www.linkedin.com/in/alstonlin/) (CTO) also struggled to find the right SMBs in the previous startup he founded - using existing tools that relied on broad industry buckets resulted in most outreach going to irrelevant businesses. However, with his experience working with big data and ranking engines at Facebook and Google, he knew he could build a better solution.\n\n![uploaded image](/media/?type=post&id=79184&key=user_uploads/1297689/e260dfb2-5b95-467d-8d5d-e61094feec02)\n\n# **The Ask**\n\nIf you or anyone you know is looking to acquire a small business ($10-50M) please introduce us! We can be reached at [founders@offdeal.io](mailto:founders@offdeal.io) or this [form](https://docs.google.com/forms/d/e/1FAIpQLScyDLNDz41cP1l404c8ESodrN0lCDM7_HgfOBS2BC2x5F64EA/viewform). \n\nThese can be any of the following: \n\n* Individual buyers / “search funds” \n* Lower middle market PE firms \n* Companies looking to make an add-on acquisition\n\n \n\n**Thanks everyone for your support 🙂**", "url": "https://www.ycombinator.com/launches/KbA-offdeal-ai-broker-for-buying-small-businesses", "votes": 103, "created_at": "2024-03-07T21:50:22.985Z" } ] }, { "id": 29395, "name": "Clarum", "slug": "clarum", "former_names": [ "Over1" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7f49116b2d71b646eb2e191786e22552e6be264f.png", "website": "https://clarum.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Clarum automates diligence, monitoring, and reporting for private market investors. Our AI agents learn how each firm works and automate their process end to end. Everything is individualized (checklists, templates, scoring models) and adapts as your process changes.\r\n\r\nClarum also acts as a self-updating knowledge base across every document your firm has ever seen, connecting dots no analyst could.", "one_liner": "AI agents for private market diligence, monitoring, and reporting", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1710174596, "tags": [ "Fintech", "SaaS", "Finance", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/clarum", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/clarum.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/clarum-ai", "x_url": "https://twitter.com/clarum_ai", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/clarum", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7f49116b2d71b646eb2e191786e22552e6be264f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 1524877, "full_name": "Anton Otaner", "title": "Founder/CEO", "founder_bio": "Anton Otaner is the co-founder and CEO of Clarum. Before Clarum, he worked on blockchain infrastructure at Mint and led augmented reality product development at EPHAS, an Ericsson One startup. He also enjoys marathon running.", "is_active": true, "linkedin_url": "https://linkedin.com/in/antonotaner", "x_url": "https://twitter.com/antonotaner", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bc1f50b72e714ff58e401347d7b1acb92bd419dd.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator Startups That Could Be The Next Tech Unicorns", "url": "https://www.forbes.com/sites/jackkelly/2024/06/04/y-combinator-startups-that-could-be-the-next-tech-unicorns/", "date": "Jun 04, 2024" } ], "launches": [ { "id": 89583, "title": "Clarum - Your AI Associate for Private Equity Due Diligence", "tagline": "Investment due diligence and research that works with Excel, Word, and PowerPoint.", "body": "Hi everyone,\n\nWe’re [Anton](https://www.linkedin.com/in/antonotaner/) and [Tommy](https://www.linkedin.com/in/tommyhe6/), co-founders of **Clarum**.\n\nHere’s a short demo video showing how it works:\n\n📽 \n\n### **TL;DR**\n\n**Clarum is the AI associate for private equity due diligence and research.**\n\nClarum works directly with _Excel, Word, and PowerPoint_ to structure financials, extract deal terms, and analyze data—without requiring teams to change tools or workflows. Firms use Clarum to speed up deal evaluation, reduce errors, and improve risk visibility across their pipeline.\n\n### ❌ **The Problem**\n\nPrivate equity diligence is still manual—making it hard to assess risk quickly across large data rooms and short timelines.\n\nDespite growing deal volume and increasing data complexity, teams still rely on fragmented workflows across _Excel, Word, and PowerPoint_. It’s slow, repetitive, and difficult to scale—especially when consistency, speed, and accuracy are critical.\n\n### 🛠️ **Our Solution**\n\nClarum connects to your data and analyzes deal materials with _Excel, Word, and PowerPoint_, using AI to automate key parts of the diligence workflow. We tailor Clarum to your specific processes, so results appear in your familiar environment and formats — _no new tool to learn_.\n\nFirms use Clarum to:\n\n* 📄 **Generate screening memos**\n* 📊 **Build returns analyses and models**\n* 📈 **Create deep-dive slide decks**\n* 📉 **Reconcile income statements and chart financials**\n* 📚 **Summarize CIMs and legal documents**\n* 🚨 **Flag inconsistencies across files**\n* 📎 **Compare and benchmark deals**\n* 🗂️ **Categorize and summarize data room contents**\n\n_The result: faster deal cycles, cleaner outputs, and stronger confidence heading into IC—without changing how teams work today._\n\n---\n\n### **The Ask**\n\nIf you are or know:\n\n1. **Managing Partner / Head of Family Office** who believes AI and automation are critical for building long-term operational leverage.\n2. **Principal / Investment Director at a LMM PE firm or Family Office** looking to scale analytical output and automate diligence—without changing the tools the team already uses.\n3. **CIO / Head of Investments** exploring how AI can enhance risk assessment and portfolio insights without adding technical overhead.\n4. **VP / Senior Associate** aiming to reduce manual data work and focus more time on high-impact analysis.\n\nWe’d love to help.\n\n👉 [**Book a demo at clarum.ai**](https://clarum.ai/contact?utm_source=yc&utm_medium=launch&utm_campaign=launch-2)\n\n📬 You can also reach us directly at [contact@clarum.ai](mailto:contact@clarum.ai).\n\n![uploaded image](/media/?type=post&id=89583&key=user_uploads/1524877/8eb3444c-3a7b-4ef8-ac0d-421df1bb95d5)\n\nThanks for reading. Looking forward to connecting.", "url": "https://www.ycombinator.com/launches/NIt-clarum-your-ai-associate-for-private-equity-due-diligence", "votes": 14, "created_at": "2025-04-22T13:36:47.110Z" }, { "id": 79333, "title": "Clarum: AI-powered due diligence", "tagline": "Clarum helps private equity firms close more deals by conducting accelerated and reliable due diligence.", "body": "Hey everyone! We’re [Anton](https://www.linkedin.com/in/antonotaner/) and [Tommy](https://www.linkedin.com/in/tommyhe6/) and we’re building [Clarum](https://clarum.ai/?utm_source=yc&utm_campaign=launch).\n\n**tldr;** Clarum helps private equity firms close more deals by conducting quicker due diligence with AI. For example, firms can import files from their data room to get answers to hundreds of questions in minutes. [Book a demo](https://clarum.ai/demo?utm_source=yc&utm_campaign=launch) with us!\n\n### **Problem**\n\nDuring deal flow, due diligence is a significant challenge for investors due to the need to **quickly process large volumes of disorganized data within tight deadlines**. The mental and emotional toll is significant, especially when dealing with high-stakes transactions worth millions, where mistakes can cost jobs. Private equity firms risk losing deals or being outbid if they don't conduct due diligence efficiently enough. Finding information and answering questions should be quick, easy, and reliable.\n\n### **Clarum is here**\n\nClarum provides AI-powered due diligence solutions that enable fast, transparent, and reliable insights from your entire data repository, for more data-driven processes.\n\nUsing Clarum takes minutes to set up.\n\n1. Import your data from your VDR, shared drive, or local computer.\n2. Upload an existing due diligence questionnaire.\n3. Watch Clarum answer 100s of questions with full transparency in minutes.\n\nHere’s what Clarum can do:\n\n**Reliable and traceable answers -** Answer questions using your entire knowledge base, where every number or sentence is linked back to its source document for full traceability.\n\n![uploaded image](/media/?type=post&id=79333&key=user_uploads/1524877/df101c73-a679-4a78-8f56-395da9a45d46)\n\n**All your data in one place -** Quickly import data from various sources, including VDRs, shared drives, and local files.\n\n![uploaded image](/media/?type=post&id=79333&key=user_uploads/1524877/24f66946-a567-4d48-ad4f-d53235527346)\n\n**Quantifiable insights from qualitative data -** Answer hundreds of questions from due diligence questionnaires in minutes instead of weeks. Generate follow-up questions and RFIs from the missing information.\n\n![uploaded image](/media/?type=post&id=79333&key=user_uploads/1524877/e29484d8-8561-4f85-b647-0ad0d51796bb)\n\n**Find critical data -** Intelligently search for information from all your sources. Find a chart from a PDF, a table from a spreadsheet, or a critical number from a presentation.\n\n![uploaded image](/media/?type=post&id=79333&key=user_uploads/1524877/75217982-44fa-4faf-938c-627d903b594b)\n\nAll of this leads to a quicker time-to-insight, giving PE firms using Clarum a competitive advantage.\n\n### **Team**\n\n![uploaded image](/media/?type=post&id=79333&key=user_uploads/1524877/9d56a75e-8694-4e63-8cca-0a3168762c63)\n\nAnton Otaner and Tommy He met via a mutual friend at McGill University. They knew that they would be a great team after they won first place in their university’s hackathon and after many late nights working together.\n\nBefore Clarum, Anton was a blockchain engineer at Mint where he worked on scalable blockchain solutions to secure gated content. He enjoys tackling challenging situations; for instance, he ran 84 km in a snowstorm with a broken arm. Tommy worked on low-latency market connections and trade execution at Tower Research Capital. Before that, he worked on the private intersection of knowledge graphs at Optable, an ad-tech startup.\n\nTheir background is rooted in a tech-first approach, tightly coupled with finance. By constantly keeping up to date and working with the latest technologies, they are convinced that due diligence could be accelerated with AI.\n\n### **Our ask**\n\nWe are confident that we can accelerate your due diligence reliably using AI. If you know anyone working in private equity or wealth management who could benefit from Clarum, please [send them our way](https://mailto:anton@clarum.ai/).\n\nIf you are working in that industry, reach out to us at [contact@clarum.ai](mailto:contact@clarum.ai) or [book a call](https://clarum.ai/demo?utm_source=yc&utm_campaign=launch)!", "url": "https://www.ycombinator.com/launches/KdZ-clarum-ai-powered-due-diligence", "votes": 79, "created_at": "2024-03-13T19:04:27.975Z" } ] }, { "id": 29398, "name": "ProSights", "slug": "prosights", "former_names": [ "ProSights", "Prosights" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7af3ebc3d01b55f1bcbe3d6c0c7f7edbaae31b20.png", "website": "https://prosights.co/", "all_locations": "New York City, NY, USA", "long_description": "", "one_liner": "ProSights is a data / AI transformation partner to PE-backed portcos.", "team_size": 14, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1711348390, "tags": [ "Fintech", "Analytics", "Enterprise Software", "Investments", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B", "Operations" ], "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/prosights", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/prosights.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/prosightsdata/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/prosights", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7af3ebc3d01b55f1bcbe3d6c0c7f7edbaae31b20.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": 1648409, "full_name": "Justin Wu", "title": "Founder", "founder_bio": "Justin is a co-founder of ProSights. Previously, he worked in consumer tech PE / growth equity at Permira, PE at BayPine Capital, and investment banking at Citi. Justin studied economics at Harvard.", "is_active": true, "linkedin_url": "https://linkedin.com/in/justinwuokc", "x_url": "https://twitter.com/jw00zy", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4b64498f5e1d62b8cf9833f9e4e0f2070aeff4d6.jpg" }, { "user_id": 497083, "full_name": "Aaron Guo", "title": "Founder", "founder_bio": "Aaron is a co-founder of ProSights. Previously, he worked in consumer tech PE / growth equity at Permira and before that in technology investment banking at Goldman Sachs. Aaron studied economics at UChicago.", "is_active": true, "linkedin_url": "https://linkedin.com/in/guoaaron", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fbb15cbf0f6d3f5412278027ad8a79763439a61a.jpg" } ], "jobs": [ { "id": 97233, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/prosights/jobs/GQaqiBZ-forward-deployed-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$160K - $200K", "equity_range": "0.25% - 0.75%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 102481, "title": "Deployment Lead", "url": "https://www.ycombinator.com/companies/prosights/jobs/Q93eVut-deployment-lead", "location": "New York, NY, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$175K - $225K", "equity_range": "0.25% - 1.00%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [ { "id": 79798, "title": "🚀 ProSights : AI-native workflow automation platform for financial institutions.", "tagline": "Re-imagining how investors work", "body": "[_ProSights_](https://www.prosights.co) is building the first AI-native workflow automation platform for investment firms.", "url": "https://www.ycombinator.com/launches/Kl4-prosights-ai-native-workflow-automation-platform-for-financial-institutions", "votes": 591, "created_at": "2024-03-29T15:27:50.358Z" } ] }, { "id": 29414, "name": "Cleva", "slug": "cleva", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb405a26d1a603373572e220fb38dadd2c97c421.png", "website": "https://www.getcleva.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Cleva breaks down financial borders across the globe by enabling remote workers, individuals, and businesses to hold stablecoin-backed dollars. Specifically, we enable our customers:\r\n\r\n1. Receive USD, GBP, EUR payments: Individuals and businesses can receive USD, GBP, and EUR payments into their virtual account.\r\n2. Receive and send stablecoins: They can also receive USDT or USDC, and make global payments via USDT and USDC.\r\n3. Hold funds in USD: They can choose to hold their funds in USD instead of converting to local currency. In high inflation countries, this is extremely desirable as it helps our customers hedge against inflation until they're ready to spend in local currency.\r\n4. Stablecoin-backed cards: We issue cards that are stablecoin-backed and accepted by 150M+ merchants across the globe. Users can fund in stablecoins or fiat, spend anywhere VISA is accepted, and earn cashback in the form of Cleva Points.\r\n5. Savings: We recently launched Cleva Pots, allowing users to save towards their goals and earn yield on their savings.\r\n\r\nIt's still very early days at Cleva. We've been hyper-focused on our home country Nigeria but we're now expanding to more countries across the globe.", "one_liner": "Global neobank for emerging markets", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1704535583, "tags": [ "Fintech", "Crypto / Web3", "Remote Work", "Emerging Markets", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/cleva", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/cleva.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/cleva-banking/", "x_url": "https://twitter.com/clevabanking", "fb_url": "https://www.facebook.com/profile.php?id=61551351002083", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bb405a26d1a603373572e220fb38dadd2c97c421.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1322737, "full_name": "Tolu Alabi", "title": "Founder/CEO", "founder_bio": "Tolu brings relevant experience from her time as a Lead Product Manager building Issuing and Banking products at Stripe. Prior to Stripe, she was a Senior PM at Amazon working on multiple products from Logistics to Augmented Reality. In addition, she has an MBA from Stanford GSB and a B.A in Computer Science and Mathematics from Grinnell College.\n\nOutside of work, she loves to play multiple sports (for now tennis and basketball). She's also a huge Lebron fan.", "is_active": true, "linkedin_url": "https://linkedin.com/in/tolu-alabi-08697525", "x_url": "https://twitter.com/tolu_tols1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c7a4f53803eeebb6ab7526e48e61875be7db7554.jpg" }, { "user_id": 1564262, "full_name": "Philip Abel", "title": "Founder/CTO", "founder_bio": "Philip has spent years building large-scale, multi-region infrastructure and services at industry leaders including AWS, Twilio, and Akamai Technologies. Originally from Nigeria, his journey took him from Kano to MIT and Georgia Tech, where he studied computer science. His story is one of resilience, curiosity, and a deep commitment to using technology to make a positive impact on the world.\n\nOutside of work, Philip is a lifelong FC Barcelona supporter and a devoted Lionel Messi fan.", "is_active": true, "linkedin_url": "https://linkedin.com/in/abelphilip", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fad65ffe0893f9e38cffc65c2ac8ff49df870eed.jpg" } ], "jobs": [], "news": [ { "title": "Empowering change through fintech collaboration | Mastercard Newsroom", "url": "https://www.mastercard.com/news/perspectives/featured-topics/fintech/empowering-change-through-fintech-collaboration/", "date": "May 30, 2024" }, { "title": "Cross-border fintech stands out in Y Combinator’s Winter 2024 cohort | TechCrunch", "url": "https://techcrunch.com/2024/04/05/cross-border-fintech-y-combinator-demo-day/", "date": "Apr 05, 2024" }, { "title": "YC-backed African fintech Cleva, founded by Stripe and AWS alums, raises $1.5M pre-seed | TechCrunch", "url": "https://techcrunch.com/2024/01/08/yc-backed-african-fintech-cleva-founded-by-stripe-and-aws-alums-raises-1-5m-pre-seed/", "date": "Jan 08, 2024" } ], "launches": [ { "id": 79028, "title": "Cleva: USD banking platform for Africa", "tagline": "Helping businesses earn, save and invest in USD!", "body": "Greetings, YC community! We are Tolu and Philip, the co-founders of [Cleva](https://www.getcleva.com/).\n\n**tl;dr:** _Cleva makes it easy for freelancers and businesses in emerging markets to get paid for their services and manage their money in USD. We do this by providing USD accounts to receive international payments at very low costs, a debit card to spend, the ability to convert currencies, and the ability to save and earn interest over time. We launched in August 2023 and now process over 4 million dollars monthly for customers while doubling revenue month-over-month._\n\n![uploaded image](/media/?type=post&id=79028&key=user_uploads/1564262/c0929233-d351-4cc5-a419-586ae957dec3)\n\n**The Problem**\n\nDespite the growing number of young remote African workers and businesses serving global partners, international payments and investments in USD are still a complex puzzle for many talented Africans and businesses. This intricate challenge can stifle economic growth and opportunities. We firmly believe that Africans should have an effortless way to receive international payments and manage their finances without paying excessive fees or dealing with local currency fluctuations. This problem is not only relevant; it's a catalyst for empowerment. \n\n**Cleva's Solution**\n\nWe are building an all-in-one platform to enable payments, spending via debit cards, and investments. Our flagship product, launched in August 2023, simplifies payments for remote workers and freelancers in Nigeria. It enables them to establish a Cleva US-based account, effortlessly receive salaries and customer payments, and seamlessly manage their finances, including currency conversion, with remarkable ease. Over the coming months, we will build tools for investments.\n\n![uploaded image](/media/?type=post&id=79028&key=user_uploads/1564262/d34476fb-66ea-425a-b4fb-d3b604fcae1c)\n\n**How We Started**\n\n[Tolu](https://linkedin.com/in/tolu-alabi-08697525) and [Philip](https://linkedin.com/in/abelphilip) have known each other for over 10 years and understand how expensive cross-border transactions are from personal experiences. We also understand how hyperinflation and devaluation of African currencies have diminished the spending power of friends and family. We take this problem personally and want to tackle it head-on to enable prosperity for Africans and others across emerging economies. We believe simplifying how people earn and invest in USD will empower businesses and remote workers across emerging economies.\n\n**Our Ask**\n\n1. Check out [Cleva](https://www.getcleva.com/), sign up for your USD Banking needs, or refer people in the countries we serve today.\n2. Share this post! Please help get the word out. We want more people to know about Cleva and how we add value.\n 1. iOS AppLink: \n 2. Android: Link coming soon. (it’s pending play store approval)\n3. Connect us with USD Banking Providers and Remote Work Companies at [contact@getcleva.com](mailto:contact@getcleva.com).\n\n**The Team**\n\nTolu Alabi: Handles all things business, product, and more. Tolu has 10+ years of experience building customer-centric products at Stripe and Amazon. She also has an MBA from Stanford GSB and is an enthusiastic basketball and Lebron James fan!\n\nPhilip: Handles all things tech and more. Philip has significant experience as a software engineer and has worked at AWS, Twilio, and Akamai Technologies. He is passionate about using technology for good. He is an FC Barcelona fan (soccer)  and a big Lionel Mesi fan.\n\n![uploaded image](/media/?type=post&id=79028&key=user_uploads/1564262/687c2db8-c5f6-4287-bdcb-783756521bf7)\n\n", "url": "https://www.ycombinator.com/launches/KYe-cleva-usd-banking-platform-for-africa", "votes": 21, "created_at": "2024-03-04T18:42:54.669Z" } ] }, { "id": 29423, "name": "Triply", "slug": "triply", "former_names": [ "TRIPITACA" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a50be8732ac92931d91e10a75379eb7b6b844ab1.png", "website": "https://business.triply.co/", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "Triply (Formerly Tripitaca) is the operating system for travel businesses in Africa. We eliminate operational chaos by unifying payments, Invoicing, payroll, accounting, operations, and more into a single platform allowing travel businesses to execute and sell more efficiently. \r\n", "one_liner": "Operating system for travel businesses in Africa with embedded finance", "team_size": 18, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1711741250, "tags": [ "Fintech", "Marketplace", "SaaS", "Travel" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B", "Operations" ], "regions": [ "Kenya", "Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/triply", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/triply.json", "year_founded": 2021, "city": "Nairobi", "country": "KE", "linkedin_url": "https://www.linkedin.com/company/tripitaca/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a50be8732ac92931d91e10a75379eb7b6b844ab1.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": 600569, "full_name": "Peter Wachira", "title": "Founder/CEO", "founder_bio": "Peter is an entrepreneur with a passion for empowering communities and reshaping the travel industry. Started my first company at 18, focusing on providing essential goods and services to low-income households through a BNPL model, exited. I pivoted to the travel sector, founding a leading vacation rental management company. Recognizing the challenges faced by travel businesses, I am now building Tripitaca, the operating system for travel businesses in Africa.", "is_active": true, "linkedin_url": "https://linkedin.com/in/peter-wachira-tripitaca", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d3833e926062378faaeadee9d84309129878fd5c.jpg" }, { "user_id": 866843, "full_name": "Collins Muthinja", "title": "Founder/CTO", "founder_bio": "With over a decade of coding expertise, I'm a seasoned software engineer who cut my teeth at a leading insuretech firm, where I played a key role in building payment rails. Co-founder of a successful BNPL startup later acquired, I now drive innovation as I build the operating system for travel businesses in Africa, seamlessly embedding finance solutions. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/collins-muthinja-trippi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eb6d823bfa2fa0808355f3ba0fd5434c9526b093.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 79844, "title": "Triply✈️ The operating system for travel businesses in Africa", "tagline": "Helping businesses increase their earnings, collect payments, run their operations online, save, and borrow.", "body": "**tl;dr:** 90% of travel businesses in Africa are SMBs. However, they are unable to collect payments, continue to operate manually, lack access to financial services, and booking systems are 60% less efficient due to weak payment infrastructures.\\\n\\\n[Triply](https://business.triply.co/) assists these businesses in collecting payments, automating their operations, and then uses this data to provide them with financial services. We also assist them in increasing their revenue by selling their services on our marketplace, which is designed to match the needs of the local travel market.\n\n—\n\nHi people, we’re [Peter](https://www.linkedin.com/in/peter-wachira-trippi/) and [Collins!](https://www.linkedin.com/in/collins-muthinja-trippi/)\n\n![uploaded image](/media/?type=post&id=79844&key=user_uploads/600569/c376d924-cae2-4556-9972-ed512170dd78)\n\nPeter - 2x founder, ran one of the leading vacation rental management companies in East Africa.\n\nCollins - Led teams and built products in leading Fintech and insuretech startups in Africa.\n\n### the opportunity\n\nAfrica is a $300 billion dollar travel market and one of the fastest-growing travel markets globally.\n\nToday 66% of travel spend on the continent comes from domestic travelers.\n\n**Our Position;** Triply not only helps businesses automate their operations & collect payments, we also help them get bookings through our marketplace, allowing us to uniquely tap into the $198 billion dollar domestic market. Our ability to generate revenue for the businesses we serve has also seen our product become more sticky.\n\n![uploaded image](/media/?type=post&id=79844&key=user_uploads/600569/d42e0dfa-984b-4c3b-b7d7-d45e2d39d123)\n\nB2B Tools; [**Triply Business**](https://business.triply.co/)\n\n* Accounting\n* Payroll\n* Unified inbox (all your messages under one platform)\n* Payments processing\n* Wallet (Muti currency coming soon)\n* Analytics\n* Channel management system\n\n![uploaded image](/media/?type=post&id=79844&key=user_uploads/600569/673e77f7-43d0-4750-b2b5-be6a21ac2ae9)\n\n[**Triply Travel ;**](https://triply.co/)\n\n**OUR ASK ;**\n\n* If you know anyone within your network who has built travel tech businesses before, please introduce us through [founders@triply.co](mailto:founders@triply.co).", "url": "https://www.ycombinator.com/launches/Klo-triply-the-operating-system-for-travel-businesses-in-africa", "votes": 18, "created_at": "2024-04-01T15:41:40.850Z" } ] }, { "id": 29453, "name": "Miden", "slug": "miden", "former_names": [ "Tyrus Technologies", "MIDEN" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8471337f6cd686658e82e47fb301dd81af79d869.png", "website": "http://www.miden.co", "all_locations": "Rotherham, England, United Kingdom", "long_description": "Miden is building a modern infrastructure that facilitates the launch of card programs and various financial products for businesses in Sub-Sahran Africa. Just by reducing integration time, card fraud, improving stability, and being customer focused we quickly rose to top 5 in TPV among card issuing Fintechs in Sub-Saharan Africa within 8 months of launch.\r\n\r\nWe’re going to build the first comprehensive fintech and banking software stack for Africa, based on modern technology. We’re starting with a card issuer-processor.", "one_liner": "Card issuer processor and banking stack for businesses in Sub-…", "team_size": 19, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1706458122, "tags": [ "Fintech", "Payments", "B2B", "APIs" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/miden", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/miden.json", "year_founded": 2023, "city": "Rotherham", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/tyrus-technologies/", "x_url": "https://twitter.com/TyrusTechHQ", "fb_url": "https://www.facebook.com/TyrusTechnologies?mibextid=LQQJ4d", "cb_url": null, "github_url": "https://github.com/Tyrus-Technologies", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8471337f6cd686658e82e47fb301dd81af79d869.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1047170, "full_name": "Okiemute Avworhokai", "title": "Founder/CEO", "founder_bio": "Okiemute brings more than a decade of experience in managing financial institutions within commercial banking and the fintech sector. As a former founder of a credit firm focused on student loans, he successfully disbursed over $1.5 million within 18 months. He is now dedicated to developing Miden, aiming to address challenges he has encountered over the past ten years.", "is_active": true, "linkedin_url": "https://linkedin.com/in/okiemute-d-avworhokai-5b52a7a6?lipi=urn%253Ali%253Apage%253Ad_flagship3_profile_view_base_contact_details%253BgNZt1BAJRYa%252FInOsfn4KRw%253D%253D", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d8f18aa3745a655430ec89ff73b8f0b22d4d5f22.jpg" }, { "user_id": 1366375, "full_name": "Ini Udoh", "title": "Founder/CTO", "founder_bio": "Chief Technology Officer (CTO) at Tyrus Technologies, a B2B fintech specializing in virtual cards and embedded finance solutions. With over 12 years of experience in the banking and fintech sectors, I previously contributed to major financial institutions like First Bank of Nigeria and Heritage Bank, as well as fintech firm Mukuru. I have expertise in developing innovative banking solutions have been crucial in driving Tyrus Technologies' success.", "is_active": true, "linkedin_url": "https://linkedin.com/in/iudoh", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ef47e99ec7754304d8a0a937a9effd70df3bfe9a.jpg" } ], "jobs": [], "news": [ { "title": "YC’s latest Demo Day shows fascinating wagers on healthcare, chip design, AI and", "url": "https://techcrunch.com/2024/04/04/ycs-latest-demo-day-shows-fascinating-wagers-on-healthcare-chip-design-ai-and-more/?utm_campaign=tc_startups&utm_medium=newsletter&_hsenc=p2ANqtz--tFaGiB4AT1JEp5k1Z93xSyPg4Kcp9vTGuqPHz7DMwSl1sbflSzi97W3pxmAFVIJ7RQPlZLS0R2r4nwHmV-SsgWls4ig&_hsmi=301405387&utm_source=tc", "date": "Apr 04, 2024" }, { "title": "Breaking: YC selects Nigerian startup Miden for 2024 winter batch", "url": "https://techcabal.com/2024/01/29/y-combinator-picks-miden-a-nigerian-api-fintech-startup/", "date": "Jan 29, 2024" } ], "launches": [ { "id": 77898, "title": "Miden 💳: Accessible financial tech in Sub-Saharan Africa", "tagline": "Intuitive API for businesses to launch their own virtual card program", "body": "TLDR: Miden's intuitive API addresses challenges faced by businesses in Sub-Saharan Africa, enabling the swift launch of financial solutions such as virtual card programs, credit systems, reconciliation, and expense management systems. This is especially vital in a continent boasting the largest youth population and the fastest-growing economy.\n\n![uploaded image](/media/?type=post&id=77898&key=user_uploads/1047170/5d8b269f-fb02-47d0-8868-c8fd545e181b)\n\nIn Sub-Saharan Africa, businesses face significant challenges in launching financial solutions promptly. The region grapples with cumbersome processes, outdated infrastructure, and prolonged timelines, hindering the swift deployment of essential tools like virtual card programs, credit systems, and reconciliation and expense management systems.\n\nDespite rising account ownership from 43% in 2017 to 55% in 2021, Sub-Saharan Africa still lags significantly behind the global average of 76%. Africa currently represents less than 1% of global card transaction volumes, and the core infrastructure for payments remains either legacy or in its infancy.\n\nWe are a dynamic and seasoned team of banking and financial experts :\n\n🔍 [Okiemute](https://www.linkedin.com/in/okiemuteavworhokai/), our adept navigator, with over 10 years of expertise in business development. Having built and successfully sold financial tools and services in banking and fintech in Nigeria, Okiemute is optimistic about the financial landscape in Sub-Saharan Africa.\n\n🚀 [Ini-Obong](https://bookface.ycombinator.com/user/1366375/linkedin_redirect?key=607468f8c4243fa02a63b2cc86dd3707c3b0f6ee), the tech maestro and Chief Technology Officer at Tyrus Technologies. With an impressive 13-year journey in banking and fintech, Ini-Obong has left his mark on major financial institutions like First Bank of Nigeria and Heritage Bank, along with fintech firms like Mukuru. He is the visionary behind our virtual card program and embedded finance solutions.\n\nOur Ask:\n\n🚀 Explore the boundless possibilities with Miden’s intuitive API.\n\n🔗 Connect us with businesses in Sub-Saharan Africa ready to embark on this transformative journey.\n\nJoin Miden in pioneering the future of financial accessibility in Sub-Saharan Africa. Email us at [founders@tyrus.io.](mailto:founders@tyrus.io)", "url": "https://www.ycombinator.com/launches/KGQ-miden-accessible-financial-tech-in-sub-saharan-africa", "votes": 23, "created_at": "2024-01-28T17:00:51.647Z" } ] }, { "id": 29460, "name": "Ryse", "slug": "ryse", "former_names": [ "RYSE" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b3127fdf5e5c4be37c6ea79ff2812b08ce513d40.png", "website": "https://www.rysemarket.com/", "all_locations": "New York City, NY, USA", "long_description": "Ryse is the only marketplace where investors who want to buy leases can trade with real estate operators who want to sell leases.", "one_liner": "The secondary market for real estate leases", "team_size": 13, "industry": "B2B", "subindustry": "B2B", "launched_at": 1711502260, "tags": [ "Fintech", "Machine Learning", "Marketplace", "B2B", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B" ], "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/ryse", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/ryse.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ryse-market/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b3127fdf5e5c4be37c6ea79ff2812b08ce513d40.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 159369, "full_name": "Sean Mitchell", "title": "Founder/CEO", "founder_bio": "Sean Mitchell went to Florida A&M University where he received a bachelor's in Business Administration and minor in math and computer programming. He started his career in 2009 at JP Morgan's Chief Investment Office, where he was part of a 5-person team that managed a $30B structured mortgage backed security portfolio. Sean began working for Corbin Capital Partners in 2012, where he managed a $300M in a structured credit portfolio. Sean co-founded REZI (YC W17), a tech-enabled property manager.", "is_active": true, "linkedin_url": "https://linkedin.com/in/seanfmitchell", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/453fa43391e3a5ecef0592c14d8faff4c7e00562.jpg" }, { "user_id": 166772, "full_name": "Harsh Yadav", "title": "Founder/CTO", "founder_bio": "Harsh earned his MS, Computer Engineering from Rutgers, New Brunswick, New Jersey in 2010. He also has a Bachelor of Technology degree from the National Institute of Technology in Allahabad, India. Harsh began his career at Consumer Reports in 2010; helping transitioning Consumer Reports print media to web first world. In 2013, Harsh joined Torrential Inc., a digital media company as their VP, Engineering. Harsh co-founded REZI (YC W17), a tech-enabled property manager.", "is_active": true, "linkedin_url": "https://linkedin.com/in/harsh-yadav-a382b911", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b2c98e5368dbb11722190484334e7e3ea3e8d97c.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 79735, "title": "Ryse: The secondary market for real estate leases", "tagline": "Ryse enables the trading of $1.5T in leases between banks/asset managers and real estate operators", "body": "Hello everyone! We’re [Harsh](https://www.linkedin.com/in/yadav-harsh/), [Sean](https://www.linkedin.com/in/seanfmitchell/), [Tom](https://www.linkedin.com/in/thomasleonardsmith/) and [Seva](https://www.linkedin.com/in/seva-levitski-4107053/). We’re building Ryse: the secondary market for real estate leases.\n\nSee it here: [Ryse | Innovative Growth Capital For Modern Real Estate Operators (rysemarket.com)](https://www.rysemarket.com/)\n\n**_TL;DR_**\\\nRyse _is the only marketplace where investors who want to buy leases can trade with real estate operators who want to sell leases._\n\n**The Problem**\\\nFinancial institutions like banks, asset managers and insurance companies want to invest directly into the $1.5T in real estate leases originated in the US each year, but they can’t.  Why?\n\n* There's no marketplace for buyers and sellers to meet\n* There's no access to or standardization of the data required to underwrite opportunities\n* There's no existing infrastructure to support trading, reporting, or payment processing\n\n**The Solution**\\\nRyse is the first marketplace where lease buyers and sellers can transact seamlessly. We're building a marketplace where:\n\n* Buyers have access to underwriting data sourced directly from custom API integrations with Sellers\n* We standardize that data into a format that makes it easy to understand and compare to other investments (loans, bonds, t-bills, etc.)\n* We automate trade execution, reporting, and payment processing\n* We enable real estate experience providers to innovate and scale without balance sheet risk.\n\n**See Who Our Customers Are:**\n\n![](https://lh7-us.googleusercontent.com/BZE6zMCgR0w_OqsVfyOkTsSPdlM6_QTiZhPdSUfJH9CxogpJusXtp6p-IweULkz7rnvuJ-5ttOEnn3D_D5TQhIq7w1vCtXCSXxUBR7r4ie8MD0orOyNRYqBj6UTuaEYEIcujpPkGVRLjgIRFye59xF8)\n\n**User Experience**\\\nSee how our customers interact with Ryse:\n\n* Buyers:\n\n ![uploaded image](/media/?type=post&id=79735&key=user_uploads/166772/de468896-0660-4dd1-a091-1ccce3044664)\n\n ![uploaded image](/media/?type=post&id=79735&key=user_uploads/166772/40bff86c-434f-4c2d-a473-6bfe9a8b018b)\n\n* Sellers:\n\n ![uploaded image](/media/?type=post&id=79735&key=user_uploads/166772/8f3f7f4f-50a9-47fe-a8a6-b48553daff75)\n\n ![uploaded image](/media/?type=post&id=79735&key=user_uploads/166772/69969c5e-ce23-4bb8-a0ed-472113fc0cbe)\n\n\n**Traction**\\\nSince launching 10 weeks ago, we've signed a $100M term sheet with our first buyer, a $3B+ AUM asset manager. We are also engaged in late-stage negotiations on our first $50M seller term sheet, which is expected to close in Q2 2024.\n\n**An Experienced Team**\\\nOur founding team worked together at REZI (YC W17), a prop-tech company whose software aimed to make renting an apartment as simple as ordering on Doordash. When building REZI, we learned that financial institutions had an enormous appetite to buy leases as an asset class.\n\n**Our Ask**\\\nIf you’re a real estate operator or financial institution interested in using Ryse, please email us at [hello@rysemarket.com](mailto:hello@rysemarket.com)", "url": "https://www.ycombinator.com/launches/Kk3-ryse-the-secondary-market-for-real-estate-leases", "votes": 14, "created_at": "2024-03-27T13:56:19.649Z" } ] }, { "id": 29465, "name": "Polar", "slug": "polar", "former_names": [ "Aria", "GoldenBasis" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a67ca9f40a361ea65885c3e75244352a9f9f8a46.png", "website": "https://www.polarfi.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Polar helps remote workers, freelancers, and online sellers outside the U.S. who get paid in dollars get better exchange rates when moving earnings to their local bank. We give them a U.S. dollar account in their name to receive USD earnings and let them withdraw through local bank transfers or stablecoins instead of the expensive options they use today.", "one_liner": "The smarter way to manage USD earnings globally", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1708655609, "tags": [ "Fintech", "Crypto / Web3", "Investing", "Remittances", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/polar", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/polar.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/polarfihq", "x_url": "https://twitter.com/polarfihq", "fb_url": "https://www.facebook.com/profile.php?id=61586231414913", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a67ca9f40a361ea65885c3e75244352a9f9f8a46.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 714908, "full_name": "Grant Ackerman", "title": "Founder/CEO", "founder_bio": "Grant is the co-founder & CEO of Polar. Grant previously led Altruist's integration of SSG, which Altruist acquired to become the third-largest custodian by number of RIAs behind Schwab and Fidelity. Before that, Grant helped grow Princeton’s endowment from $26.1 billion to $37.7 billion as a member of the 20-person investment staff. Grant graduated from Princeton, where he studied Economics, Computer Science, and Finance.", "is_active": true, "linkedin_url": "https://linkedin.com/in/grant-a-391184a5", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fabf18070205e7fed9e6ca2840ea77041aff3025.jpg" }, { "user_id": 1691392, "full_name": "Andrew Wang", "title": "Founder/CTO", "founder_bio": "Andrew is the co-founder & CTO of Polar. Before that, he worked in quant research and software engineering at Citadel and Bridgewater. Andrew graduated from Princeton, where he majored in Operations Research & Financial Engineering (ORFE).", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/55ac011d48301889055ce43c035b0cd0f97bac24.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 78734, "title": "GoldenBasis - Modern back-office software for brokerages", "tagline": "Revamping the brokerage operations tech stack, starting with account transfers", "body": "### **TLDR;**\n\n[GoldenBasis](https://www.goldenbasis.com) makes it easy for brokerages (think Schwab or Fidelity) to run their back office with modern software, and we’re starting with investment account transfers. For example, when you want to transfer your stocks from Schwab to Fidelity, GoldenBasis would let Fidelity gather your transfer information, track the status of your transfer, and automatically update their internal records.\n\n### **Ask**\n\nIf you or someone you know is leading a brokerage operations team and wants to improve their account transfer process, please reach out at [founders@goldenbasis.com](mailto:founders@goldenbasis.com)!\n\n### **A quick primer on account transfers**\n\n* Account transfers exist so you can move to a new brokerage without selling your positions, which could incur taxes.\n* Incoming account transfers are a primary source of growth for brokerages.\n* Over $90 billion of assets are transferred every month in the US. Surprisingly, 18% of these transfers are delayed, often for several weeks \\[1\\].\n\n**How the process works**\n\nLet’s say you want to transfer your assets from Schwab to Fidelity. The following needs to happen:\n\n* You fill out an account transfer form at Fidelity.\n* Fidelity sends this information to Schwab.\n* Schwab tells Fidelity what assets are in your account.\n* Fidelity makes sure they can hold these assets.\n* Your assets move to Fidelity a few days later.\n\nThis back-and-forth process is part of a standard protocol called ACATS, and it lets brokerages transfer assets to each other electronically \\[2\\]. The process above sounds straightforward, but there are hundreds of edge cases detailed in manuals that total over 1000 pages.\n\n### **Problem**\n\nTransfers are supposed to take 3-4 days but often take weeks. During the transfer:\n\n* You can’t trade your assets.\n* To find out the status of your transfer, you need to contact customer support.\n* The brokerage receiving your assets is missing out on revenue.\n* The brokerage delivering your assets gets in trouble with the regulators if they don’t go quickly enough.\n\nWhy are delays so common? It’s because there are multiple rounds of manual data entry and any small mistake (e.g. missing comma) can delay the transfer. Furthermore, the operations team has to resolve issues on outdated platforms that are hard to use.\n\nHere’s a taste of the experience today:\n\n* You begin the transfer by filling out a daunting form.\n\n ![uploaded image](/media/?type=post&id=78734&key=user_uploads/714908/c77b27cb-a621-4364-a3dc-4f2f371897b0)\n\n* The brokerage operations team re-enters your form and handles issues in a back-office system.\n\n ![uploaded image](/media/?type=post&id=78734&key=user_uploads/714908/9a53a162-695a-40b4-a41a-a7cc1cb1834d)\n\n\n### **Solution**\n\nGoldenBasis provides a modern software stack that solves these issues:\n\n* With GoldenBasis, you don’t need to fill out any forms. Just upload your account statement from the brokerage you want to leave, and our AI extracts and validates the fields, which vastly reduces errors.\n\n ![uploaded image](/media/?type=post&id=78734&key=user_uploads/714908/1966b057-cc89-42ab-b4ce-acc20f50d53a)\n\n* GoldenBasis lets you easily track the status of your transfer so you know what’s going on without having to contact support.\n\n ![uploaded image](/media/?type=post&id=78734&key=user_uploads/714908/984e522f-5537-4876-b8d3-748ca0971ed5)\n\n* GoldenBasis provides modern GUIs for the operations team to handle issues.\n\n ![uploaded image](/media/?type=post&id=78734&key=user_uploads/714908/234c33e9-a876-4aba-9080-30c7d741a042)\n\n\n### **Team**\n\n![uploaded image](/media/?type=post&id=78734&key=user_uploads/714908/9c49f965-4e87-4d7e-86ec-eb85ead3e823)\n\n[Grant](https://linkedin.com/in/grant-a-391184a5) (CEO) met [Andrew](https://linkedin.com/in/andrew-wang-0b5526109) (CTO) in college at Princeton, where they became best friends. In fact, Andrew was the best man at Grant’s wedding. They teamed up to take on their biggest adventure yet: building a startup and reading a couple thousand pages of manuals along the way.\n\nBefore GoldenBasis, Grant worked at Altruist, where he discovered the outdated technology that was causing so much pain for brokerage back offices. He also led Altruist’s integration of SSG post-acquisition, which made Altruist the third-largest custodian for financial advisors, behind Charles Schwab and Fidelity. Before that, Grant helped grow Princeton’s endowment from $26.1 billion to $37.7 billion as a member of the 20-person investment staff.\n\nBefore GoldenBasis, Andrew did quant research and software engineering at Citadel, where he built trading systems that process billions of dollars per day. Before that, he worked at Bridgewater, where he wrote software to model global economies and trade fixed-income securities. Andrew loved the prospect of bringing legacy systems to the modern age, especially the back office since it’s so often neglected.\n\n\\[1\\] \n\n\\[2\\] ", "url": "https://www.ycombinator.com/launches/KTu-goldenbasis-modern-back-office-software-for-brokerages", "votes": 19, "created_at": "2024-02-26T04:35:58.966Z" } ] }, { "id": 29500, "name": "The New Money Company", "slug": "the-new-money-company", "former_names": [ "Workparty", "Fermata", "Numo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/02bf32e1c7869c4a3a70d36bef72c5f5b93ad770.png", "website": "https://newmoneycompany.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "The New Money Company protects invoices with insurance.\r\n\r\nWe help businesses expand to buyers in new markets or industries by offloading the risk of buyers not paying their bill.\r\n\r\nSupport number: +18889975745.", "one_liner": "Invoicing that pays you even if your buyer doesn’t", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1710863729, "tags": [ "Fintech", "Payments", "B2B", "Insurance", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/the-new-money-company", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/the-new-money-company.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/newmoneycompany", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/02bf32e1c7869c4a3a70d36bef72c5f5b93ad770.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 58508, "full_name": "Derrick Wolbert", "title": "Founder/CEO", "founder_bio": "CEO at The New Money Company. Previously built Hologram.com from zero to $20M ARR and closed a $65M Series B as head of revenue. In a previous life, Derrick built the embedded car computing platform used in Waymo vehicles. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/derrickwolbert", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a23b5607836971de100bdc255ac84ea464c400a2.jpg" }, { "user_id": 1643519, "full_name": "Reuben Balik", "title": "Founder/CTO", "founder_bio": "Reuben is the CTO and co-founder of The New Money Company. Previously, he worked on the most difficult enterprise telecom integrations as the first engineer (and first employee) at Hologram.com. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/reuben-balik", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1b33f28ca127ec0895b72526f8e41355885cb269.jpg" }, { "user_id": 1452570, "full_name": "Q Carlson", "title": "Founder/CPO", "founder_bio": "Co-founder, and CPO at The New Money Company. Early designer at Flexport (W14) 🚢 ✈️ 🚛 and Quizlet. VP Design at Hologram & project44.", "is_active": true, "linkedin_url": "https://linkedin.com/in/qcarlson", "x_url": "http://twitter.com/qcintheair", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c3ebab68c8796032c0986b8f07b3f2505f3cf29c.jpg" } ], "jobs": [], "news": [ { "title": "Cross-border fintech stands out in Y Combinator’s Winter 2024 cohort | TechCrunch", "url": "https://techcrunch.com/2024/04/05/cross-border-fintech-y-combinator-demo-day/", "date": "Apr 05, 2024" }, { "title": "YC’s Winter 2024 Demo Day confirms that we are indeed in an AI bubble | TechCrunch", "url": "https://techcrunch.com/2024/04/03/ycs-winter-2024-demo-day-confirms-that-we-are-indeed-in-an-ai-bubble/#:~:text=picked%20it%3A%20Alex-,Numo,-What%20it%20does", "date": "Apr 03, 2024" } ], "launches": [ { "id": 79553, "title": "Numo — Offshore banking & instant payments for global contractors", "tagline": "Meet Numo, filling the trust gap between businesses and international contractors by handling compliance, KYC, and payment.", "body": "# Numo is like upside-down Deel\n\n# TL;DR\n\n[Numo](https://numohq.com/) verifies and credentials global contractors and lets them earn and hold the USD they get from working for American companies. When they need to spend it, we transfer money instantly to their local bank account.\n\n**We launched last week, and have 105 contractors already live and onboarded on Numo, sending their first invoices.**\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/4a2d0978-bdb1-42d8-a223-5c8554db82a9)\n\n# Problem\n\n**Paying international contractors for short-term engagements is messy**. It’s full of remittance services whose brands are not conducive to trust or a professional environment and often look fraudulent to the uninformed. \\\n\\\n**For contractors, it’s even messier**. With expensive fees, slow transfer times, and fuzzy tax + compliance rules — we’ve seen our customers resort to funneling money through friends and families just to get paid. \\\n\\\nAnd the death blow for contractors is the hyperinflation many of their home currencies are experiencing. **Contractors work more every day for less money**. International contractors want to hold their funds in USD as long as they can, and then bring it back only when they need to spend.\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/dd9fa8fc-a5f6-4452-840c-983c916dc798)\n\n# Solution\n\nSo we built Numo:\n\n1. Contractors can onboard and get verified, background checked, and launch their profiles.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/c7a8c8c3-c8e5-43b2-bb63-ca263a11ddbd)\n\n2. Every invoice they send via Numo to their clients is paired with their verified profile.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/ac16cb72-92bc-4a04-b8ed-fe2d6201e7b2)\n\n3. Their American clients get to pay the way they are most comfortable: ACH payment to a US bank account.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/a6370253-5288-4585-bc8d-545bacda9e58)\n\n4. Contractors can hold the USD they make stateside until the moment they need to spend it locally. They can transfer funds to their local account within 20 seconds without excessive fees.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/224d13fc-c6ef-423f-8750-437d738673b6)\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/de06e012-08e5-4ac3-8728-4c67339ae615)\n\n\n# We’re the team to build this\n\nWe all met working in the messy, terrible world of global telecom. We were the early operators at Hologram — a worldwide cellular network for IoT — taking the business from $0 to $20M ARR and through a successful Series B round.\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/f8cd963f-353b-4bc5-8994-aaca6f3f0b83)\n\n_👆 The Numo team on the ground running onboarding events in Lagos, Nigeria._\n\n[Reuben Balik](https://www.linkedin.com/in/reuben-balik/) was the first engineer at Hologram. He led the integrations with some of the worst telco APIs from Verizon, Telus, Deutsche Telekom, and TIS into a unified SIM card platform.\n\n[Q Carlson](https://www.linkedin.com/in/qcarlson/) was the 2nd designer at Flexport and has crafted beautiful experiences in messy, hard industries like supply chain. He uses design to differentiate — attracting a premium for the product and accelerating growth.\n\n[Derrick Wolbert](https://www.linkedin.com/in/derrickwolbert/) ran the GTM team at Hologram from zero through Series B. Before Hologram, he navigated complex bureaucracy at Jeep/Chrysler, building the infotainment platform Waymo relies on in their vehicles.\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/b005abd6-ee98-4c73-b11d-cb69a5067edb)\n\n_Numo founders in Dogpatch 👆_\n\n# \n\n# Ask\n\nAre you using international contractors in your business? Ask them to invoice you using [Numo](https://numohq.com)!\n\nWe’re live in Nigeria. With Kenya, South Africa, Vietnam, Thailand, Malaysia, and the Philippines coming very soon.\\\n\\\n—\n\nGet in touch with the team:\n\nDerrick Wolbert, CEO — derrick@newmoneycompany.com\\\nQ Carlson, CPO — q@newmoneycompany.com\\\nReuben Balik, CTO — reuben@newmoneycompany.com", "url": "https://www.ycombinator.com/launches/Kh7-numo-offshore-banking-instant-payments-for-global-contractors", "votes": 18, "created_at": "2024-03-20T19:48:11.544Z" } ] }, { "id": 29636, "name": "Bayesline", "slug": "bayesline", "former_names": [ "Bayesline, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a34bad8ff76fdef00535145a04bd76a11f215b1.png", "website": "https://bayesline.com", "all_locations": "New York City, NY, USA", "long_description": "Bayesline is building a GPU-powered financial analytics suite for institutional investors, like hedge funds. \r\n\r\nClients use our cloud deployed solution to build custom analytics in seconds, having previously been frustrated with off the shelf solutions that don't generate any alpha. What used to take weeks or months now happens near instantly. \r\n\r\nSebastian, CFA (ex Bloomberg Quant & AI Research) and Misha, PhD (ex BlackRock Managing Director) met while working at BlackRock in 2016. With a combined 20 years of experience in the space they set out to change the way the industry uses analytics - from one size doesn't fit all to truly tailored to clients' needs.", "one_liner": "Highly customizable and blazingly fast analytics for asset managers.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1722543223, "tags": [ "Fintech", "Finance", "B2B", "Analytics", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "We met in 2016 at BlackRock, and lived together during Covid. We both have a very strong mission to revolutionize financial analytics. We thought that the world’s most renowned institutions would be the best place to do that. But it turns out that they move too slowly and are not ready to truly innovate, especially in the age of AI. Leaving our lucrative careers was the only way to pursue our dreams." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "All of financial analytics was built in the 90s on fundamentally an outdated tech stack (C++ on CPUs). The AI community has developed a new stack (Python ML packages on GPUs) that is orders of magnitude faster, both in time-to-market and run-time. Our aim is to rebuild all of financial analytics on this stack; from economic scenario simulation engines for banks and insurers to portfolio risk models for hedge funds. In the future, Bayesline will be integrated in all financial institutions, eliminating the days of waiting for calculation that tens of thousands of industry professionals have to deal with." } ], "url": "https://www.ycombinator.com/companies/bayesline", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/bayesline.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/bayesline", "x_url": "", "fb_url": null, "cb_url": null, "github_url": "https://github.com/orgs/Bayesline", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a34bad8ff76fdef00535145a04bd76a11f215b1.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/fb4bb1de304150c80cad018f66d4e49d856ffc45.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/de0255323712d3a1cfcefc60b875e20c328eebb5.png" ], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 1931855, "full_name": "Sebastian Janisch", "title": "Founder/CEO", "founder_bio": "Building blazingly fast financial analytics at Bayesline. \nPreviously quant at Bloomberg and BlackRock building investment models running 4T in assets.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sebastianjanisch/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/62590dcf51a88cd05066829bd47c6e47f5da853f.jpg" }, { "user_id": 1954098, "full_name": "Misha van Beek", "title": "Founder", "founder_bio": "Misha van Beek is a co-founder at Bayesline. Before Bayesline, Misha was a Managing Director at BlackRock where he led innovation on Aladdin’s portfolio risk models spanning tens of trillions in assets. He also led the research on Aladdin’s economic scenario engine, as well as investment models that run roughly $400 billion in strategic asset allocations across all major asset classes. He holds a PhD in Financial Mathematics from the University of Amsterdam.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mishavanbeek/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/692f665d32c8556cf1dffe3fb2bc340742a392bf.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 82831, "title": "Bayesline - Blazingly fast analytics for Investment Managers", "tagline": "We help hedge funds create more alpha.", "body": "**TL:DR;** We figured out how to fit custom equity factor risk models in seconds instead of weeks. And we can do this across the entire financial analytics landscape. Ad hoc thematic factor construction (think COVID), risk decomposition through time, optimized factor selection, all on the fly and in seconds.\n\nTry out our demo [here](https://app.bayesline.com/signup).\n\n# Why does it matter?\n\nWe each spent nearly a decade at BlackRock and Bloomberg, building products, leading research teams, and empathizing with frustrated clients. They sit at the cutting edge of investment research, coming up with market-beating strategies. **Yet they have to make do with a 20-year-old analytics toolkit** that current vendors offer. \n\nWe are changing that. If the AI community can fit a 300 billion parameter model, there’s no reason why a factor risk model should take a week to compute. In fact, it doesn’t. **We figured out how to do it live and in seconds, and we can do it across the entire analytics landscape**. \n\n# Who is behind this?\n\n![uploaded image](/media/?type=post&id=82831&key=user_uploads/1931855/9d15dc8d-f99b-481f-b378-4f1f9c630691)\n\nHi, we’re Sebastian and Misha.\n\n[**Sebastian**](https://www.linkedin.com/in/sebastianjanisch/)**, CFA** built his expertise in quant research during his time as a Director in BlackRock’s Financial Modeling Group where he implemented and researched equity risk models that analyze trillions in assets.\n\nPrior to Bayesline, he was at Bloomberg, where he incubated the next generation of customizable and actionable quant products as part of the Quant & AI Research group.\n\nA computer scientist by training with M.Sc. in Finance and a passion for quant research, Sebastian spent the last 10 years leveraging the power of machine learning to challenge, innovate, and reshape how institutions think about financial modeling.\n\n[**Misha**](https://www.linkedin.com/in/mishavanbeek/)**, PhD** was among the youngest Managing Directors at BlackRock. He headed the portfolio risk research team that evolved Aladdin’s portfolio risk models across all asset classes.\n\nHe also headed the team that developed Aladdin’s economic scenario engine and investment models that manage roughly $400 billion in strategic asset allocations.\n\nMisha has spent the past 10 years coupling his professional quant training with his personal interest in all things AI and hands-on engineering.\n\n# Our Ask\n\n* **Try our our demo** [here](https://app.bayesline.com/signup). \\\n (only email and name required)\n* **Share this post!** Please help spread the word, as you never know who it may help\n* **Connect us** with quants, portfolio, and risk managers.\\\n \\* blurb to copy & paste:\\\n _The guys at Bayesline are ex-MD level BlackRock and Bloomberg. They are building a new class of analytics for asset managers, starting with equity factor risk and thematic factor construction. They can build fully customized and properly aligned models (custom universe, factors, exposure overrides, etc.) in seconds, far superior to what’s currently available. They deploy on the client cloud, ingest existing vendor data, and provide their engine to compute fully-fledged new risk models and analytics – all on the fly._", "url": "https://www.ycombinator.com/launches/LXz-bayesline-blazingly-fast-analytics-for-investment-managers", "votes": 120, "created_at": "2024-08-07T21:17:52.305Z" } ] }, { "id": 29646, "name": "Corgi Insurance", "slug": "corgi-insurance", "former_names": [ "Corgi", "Corgi Insurance", "Corgi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f66899a62764756d799d5abc511dc4b46f8c151.png", "website": "https://corgi.com", "all_locations": "San Francisco, CA, USA", "long_description": "Corgi is a full-stack insurance carrier building better, faster insurance products for startups. 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Pricing risk in the singularity is pretty cool. 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We’re not a broker, so we underwrite and issue policies directly, with fewer handoffs, less friction, and better pricing. Cutting out intermediaries lets us tailor coverage to how your company actually operates and price risk more efficiently.\n\nGet an instant quote for all common startup coverages at [www.corgi.insure](https://www.corgi.insure). Corgi provides the following lines of coverage, and more:\n\n* [Directors and Officers Insurance](https://www.corgi.insure/blog/do-insurance-for-startups)\n* [Commercial General Liability Insurance](https://www.corgi.insure/blog/cgl-insurance-for-startups)\n* [Technology Errors & Omissions Insurance](https://www.corgi.insure/blog/tech-eo-insurance-for-startups)\n* [Cyber Liability Insurance](https://www.corgi.insure/blog/cyber-insurance-for-startups)\n* [Employment Practices Liability Insurance](https://www.corgi.insure/blog/epli-insurance-for-startups)\n* [Media Liability Insurance](https://www.corgi.insure/blog/media-liability-insurance-for-startups)\n* [Hired and Non-Owned Auto Insurance](https://www.corgi.insure/blog/hnoa-insurance-for-startups)\n* Representations & Warranties Insurance\n\nGet an instant quote online or [talk](https://www.corgi.insure/get-advisor) to a licensed insurance representative to learn about your startup’s risk exposure and insurance needs.\n\n![uploaded image](/media/?type=post&id=82043&key=user_uploads/1990806/a3293664-e7bb-43d5-90e4-8cbab5d79ec7)\n\n", "url": "https://www.ycombinator.com/launches/LLH-corgi-insurance", "votes": 43, "created_at": "2024-07-11T14:16:58.271Z" } ] }, { "id": 29678, "name": "Lucible", "slug": "lucible", "former_names": [ "Driftly" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a5799d3c0e21d19d632cd36119e0bb9edb1d66cf.png", "website": "https://luciblefi.com", "all_locations": "New York City, NY, USA", "long_description": "Lucible is a combined checking and investment account that allows you to invest 100% of your money while still being able to spend it. 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Before Lucible, Toby worked as a quantitative trader at Jane Street. 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[Learn More](https://www.taxgpt.com/)\n\n\\\n📜 **Introduction and Backstory**:\\\nHi everyone, We are [Kashif](https://twitter.com/ChKashifAli) and [Isabella](https://linkedin.com/in/imaceda), co-founders of TaxGPT. After we faced a tricky tax decision. We created TaxGPT. Little did we know that this tool would quickly become a go-to research assistant for accountants.\n\n![uploaded image](/media/?type=post&id=83384&key=user_uploads/1748881/e70fc62d-7a7c-4a62-8836-2b8dcbb83d54)\n\n**🛑 The Problem:**\n\nThere is currently a shortage of 340k accountants in the USA. Accountants are overworked and leaving the profession; not enough new professionals are joining it.\\\n\\\n**💡 The Solution:**\n\nTaxGPT helps accountants work smarter, not harder. We automate client communications, tax research, replying to IRS notices, capturing leads, and collecting documents so accountants can focus on what truly matters. 📈💼\\\n\\\n🔍 **How it works?**\\\n\n\n**🙏 The Ask:**\n\nPlease introduce us to your accountants or any family members who are CPAs, tax lawyers, enrolled agents, or tax preparers. Here’s a quick blurb.\\\n\\\n“_Hey There,\\\nI wanted to introduce you to TaxGPT, an AI co-pilot that can help you boost your productivity and profitability by 10x. It’s designed for accountants and tax professionals, and it’s already making waves in the industry. Check it out at_ [_taxgpt.com_](http://taxgpt.com)_”_", "url": "https://www.ycombinator.com/launches/Lgu-taxgpt-ai-tax-co-pilot-for-accountants", "votes": 34, "created_at": "2024-08-26T18:15:51.557Z" } ] }, { "id": 29711, "name": "Fazeshift", "slug": "fazeshift", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c74ff87f3dfbb5392eebf85ad2a0b29ffd7073fa.png", "website": "https://www.fazeshift.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Fazeshift is an AI agent for automating Accounts Receivable. What used to take teams of people and hours of manual work can now be fully automated with Fazeshift. \r\n\r\nCaitlin and Timmy met while getting their MBA at Harvard. After graduating, they started a B2B marketing software startup, which is where they first experienced the pain of this process.\r\n\r\nThe problem stems from fragmented data across software platforms like QuickBooks, Stripe, NetSuite, DocuSign, HubSpot, and Salesforce. Fazeshift’s infrastructure connects the data across these software platforms and uses LLMs to automate the previously manual workflow.", "one_liner": "AI agent for Accounts Receivable", "team_size": 8, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1716255604, "tags": [ "Fintech", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fazeshift", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/fazeshift.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/fazeshift/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c74ff87f3dfbb5392eebf85ad2a0b29ffd7073fa.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/32d600548e3af0d4843574161a46f74dddfe89c9.png" ], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 1980837, "full_name": "Caitlin Leksana", "title": "Founder/CEO", "founder_bio": "Caitlin is the co-founder and CEO of Fazeshift. Before Fazeshift, Caitlin was CEO of a crypto marketing automation startup where she sold to global enterprises including Square Enix, dYdX, and the founder of Marvel Studios. She spent 2 years as a consultant at BCG advising tech companies on product, operations, and pricing strategy. She received her MBA from Harvard Business School and has a deep personal understanding of the operational pain points that Fazeshift has set out to solve. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/caitlinleksana/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6471ea094577b948264b85f70a75e96ebe740dda.jpg" }, { "user_id": 1981038, "full_name": "Timmy Galvin", "title": "Founder/CTO", "founder_bio": "Timmy is the co-founder and CTO of Fazeshift. He previously worked at a fintech startup using AI to automate bank operations and financial services. Timmy holds two computer science degrees from MIT and an MBA from Harvard Business School. He served for seven years as a nuclear submarine officer in the US Navy, taught cybersecurity at the US Naval Academy, and holds a software patent for data algorithms.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/timmygalvin/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/daa186def317a601c0b27cb7216b4162ca7dcfbb.jpg" } ], "jobs": [], "news": [ { "title": "Exclusive: Fazeshift Scores $17M As Investors Bet On AI-Powered Finance Ops, Starting With Accounts Receivable", "url": "https://news.crunchbase.com/fintech/fazeshift-accounts-receivable-ai-finance-ops-startup-funding/", "date": "May 07, 2026" }, { "title": "AI for accounts receivable startup Fazeshift raises $4M", "url": "https://www.axios.com/pro/fintech-deals/2025/01/07/account-receivable-startup-fazeshift-4-million", "date": "Jan 07, 2025" } ], "launches": [ { "id": 82136, "title": "Fazeshift - Better Accounts Receivable, with zero employees", "tagline": "AI-powered Accounts Receivable at a fraction of the cost.", "body": "We help companies nail their Accounts Receivable process without the need for a single employee.\n\nHistorically, this process was run by a team of people using an outdated spreadsheet to track millions of dollars of receivables. This time-consuming and error-prone process means money is left on the table as unpaid invoices pile up. Modern companies rely on Fazeshift for better Accounts Receivable at a fraction of the cost. \n\nHi everyone, we’re Caitlin and Timmy — the founders of [Fazeshift](https://www.fazeshift.com/).\n\n![](https://lh7-us.googleusercontent.com/docsz/AD_4nXfWzHTAPGsTO1pbNGPjGi7c7t4x89UfuHPJsNONuyWTqt8gbszjfm6a7h69VE6CeupRNhE-hR-xsMkTHCKQHOtV8G6S5XQRN3nI6-qOF22V8OAp-2viZ-j2RQVRxAgGTHpHZdjkiArjVBI4Jqc_huuQEAc?key=qvP4PVNSBbc2lXF_HIWyxA)\n\n# **🤯 The Problem: Invoicing is very manual**\n\n500 billion invoices are sent each year. Yet even today, companies still rely on humans and spreadsheets to manage them.\n\nMost companies staff an entire team of people solely dedicated to this process. This labor-intensive, costly, and error-prone process results in money left on the table.\n\n# **🎉 The Solution: AI Agents for Accounts Receivable**\n\n[Fazeshift](https://www.fazeshift.com/) integrates with your existing tools (Salesforce, HubSpot, DocuSign, Stripe, QuickBooks, NetSuite, Gmail, etc.) and automates the entire end-to-end process.\n\n**With Fazeshift, you can:**\n\n❌ Eliminate tedious manual tasks\n\n❌ Eliminate unnecessary meetings \n\n❌ Eliminate messy spreadsheets\n\n✅ Increase visibility\n\n✅ Reduce unpaid invoices\n\n✅ Have confidence that your process will scale\n\n![](https://lh7-us.googleusercontent.com/docsz/AD_4nXdgzpGtzIXhF_gaR_q2SO_6Zif723tS8RSFJeCqAiPdpIS58QlmrJ-e_ImWUkp-Z7IhLGBI29061Qb8ifV5EHjpadeSvKR0vBCchHRZBfa0hRi0MYlMOjmeC_OcrAOVgHlPv0A_R5HZAQRgSmrsOTwj2UKq?key=qvP4PVNSBbc2lXF_HIWyxA)\n\n# **🙋Our Ask: How you can help**\n\n* **Share this post!** -  Do you know anyone in your network that deals with a lot of invoices? Do you know a CEO, CFO, or VP of Finance that would find this relevant? Please share this post (or blurb below).\n * _Quick blurb to copy & paste:_ A team of Harvard & MIT grads created an AI-powered Accounts Receivable platform that automates invoicing, cash application, and collections. Save valuable time and reduce unpaid invoices with [Fazeshift](https://www.fazeshift.com/). Contact [sales@fazeshift.com](mailto:sales@fazeshift.com) for a demo and free trial.", "url": "https://www.ycombinator.com/launches/LMm-fazeshift-better-accounts-receivable-with-zero-employees", "votes": 242, "created_at": "2024-07-16T13:17:22.144Z" } ] }, { "id": 29730, "name": "Saturn", "slug": "saturn", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b86d0449e238a14d1e61291d7f68a95e0d8fafc5.png", "website": "https://www.SaturnOS.com", "all_locations": "London, England, United Kingdom", "long_description": "At Saturn, our mission is to make financial peace of mind more accessible by building the best operating system for wealth managers. \r\n\r\nWealth and Asset Management is one of the world’s highest revenue-generating industries, yet it remains painfully inefficient. The sector relies heavily on disjointed legacy systems, manual human tasks, and a complex web of intermediaries, all of which increase costs. \r\n\r\nSaturn is an AI-powered operating system for wealth management built to automate investment research, streamline operations, and ensure compliance. Saturn creates the best version of truth, empowering investment advisors to work more efficiently, navigate complex regulatory landscapes, and deliver personalised, high-value services to their clients.\r\n\r\nToday, Saturn supports over 200 firms globally that manage more than £35bn in assets under management (AUM) and over 200,000 clients.\r\n\r\nAs the industry grows, it faces massive operational challenges like bad tech, advisor retirements, regulatory pressure, an increased cost base, and transformational opportunities like great intergenerational wealth transfer and changing consumer needs.\r\n\r\nSaturn aims to be at the forefront of this transformation, driving the future of wealth management.", "one_liner": "Compliance and back office workflows for Wealth Managers.", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1724331890, "tags": [ "Fintech", "Generative AI", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Managing wealth and access to financial services will be a standard for all." } ], "url": "https://www.ycombinator.com/companies/saturn", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/saturn.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/saturntechnology/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b86d0449e238a14d1e61291d7f68a95e0d8fafc5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 352395, "full_name": "Amal Jolly", "title": "Founder/CEO", "founder_bio": "Financial peace of mind enables every human to achieve more; we are on a mission to scale that\n\nExperienced in Product/GTM in Banking, Insurance, Wealth/Asset Management and Capital Markets technologies.", "is_active": true, "linkedin_url": "https://linkedin.com/in/amaljolly", "x_url": "https://twitter.com/theamaljolly", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8db0d45ea9f12cf5f9d62737b29c4b8258a880bd.jpg" }, { "user_id": 807826, "full_name": "Michael Ettlinger", "title": "Founder/CTO", "founder_bio": "CTO & Co-Founder at Saturn AI\n\nLaunched AI products used by 20M+ users across various industries. Background in AI research, focused on AI Agents since 2017.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/michaelettlinger/", "x_url": "https://twitter.com/etticat", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8ea236a5751ed0c5dbff98c5e951e9463e85f31c.jpg" }, { "user_id": 1537188, "full_name": "Rohit Vaish", "title": "Founder", "founder_bio": "President & Co-founder at Saturn. \n\nRohit has expertise in building investment portfolios for Wealth Management firms having spent over 5 years at BNY Mellon. Alongside that, he also led firm wide compliance initiatives across the UK fund management company to assess value for money and client suitability. \n\nAfter leaving financial services, Rohit led Product and Operations teams in a variety of startups before founding Saturn. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rohit-vaish/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/71e7457aa02f2414c70e8529ecdbcbb9953e3ffc.jpg" } ], "jobs": [ { "id": 93044, "title": "Senior Product Engineer", "url": "https://www.ycombinator.com/companies/saturn/jobs/Q5qgxQy-senior-product-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£90K - £150K GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 104497, "title": "Partner", "url": "https://www.ycombinator.com/companies/saturn/jobs/X6cOXNi-partner", "location": "London, England, GB", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "£140K - £190K GBP", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 107398, "title": "Founding Talent Partner", "url": "https://www.ycombinator.com/companies/saturn/jobs/5Yqfhgl-founding-talent-partner", "location": "London, England, GB", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Full cycle", "salary_range": "£60K - £100K GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 107399, "title": "Staff Product Manager", "url": "https://www.ycombinator.com/companies/saturn/jobs/BwKwkZ5-staff-product-manager", "location": "London, England, GB", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "£120K - £150K GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 107400, "title": "Lead Product Manager", "url": "https://www.ycombinator.com/companies/saturn/jobs/UkxWKgo-lead-product-manager", "location": "London, England, GB", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "£120K - £150K GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 107401, "title": "Senior Backend Engineer", "url": "https://www.ycombinator.com/companies/saturn/jobs/pj3ssuS-senior-backend-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£90K - £150K GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 109810, "title": "Accounting Associate", "url": "https://www.ycombinator.com/companies/saturn/jobs/t7X9JIR-accounting-associate", "location": "London, England, GB", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "£60K - £80K GBP", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 110201, "title": "Data Engineer", "url": "https://www.ycombinator.com/companies/saturn/jobs/oD1WgWP-data-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Data science", "salary_range": "£80K - £130K GBP", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 110202, "title": "Security Engineer", "url": "https://www.ycombinator.com/companies/saturn/jobs/OJLrDTi-security-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "£80K - £130K GBP", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "Our $15M Series A To Make Quality Financial Advice Accessible - Saturn | AI for Financial Advice", "url": "https://www.saturnos.com/journal/saturn-15m-series-a-to-make-quality-financial-advice-accessible", "date": "Oct 22, 2025" }, { "title": "Saturn | 14 wealthtech startups to watch, according to VCs | Sifted", "url": "https://sifted.eu/articles/14-wealthtechs-to-watch-according-to-vcs", "date": "Feb 16, 2025" }, { "title": "How three IFA firms are using AI ", "url": "https://citywire.com/new-model-adviser/news/how-three-ifa-firms-are-using-ai/a2458184", "date": "Feb 10, 2025" }, { "title": "FEIFA partners with fintech pioneer Saturn | International Adviser", "url": "https://international-adviser.com/feifa-partners-with-fintech-pioneer-saturn/", "date": "Dec 10, 2024" }, { "title": "How wealth and financial advice firms have embraced AI in 2024 - FTAdviser", "url": "https://www.ftadviser.com/adviser-technology/2024/12/4/how-advice-firms-have-embraced-ai-in-2024/", "date": "Dec 02, 2024" } ], "launches": [ { "id": 83502, "title": "🪐 Saturn: Backoffice and Compliance automation for Wealth Managers", "tagline": "We help wealth managers be super efficient on investment research, compliance and back-office operations", "body": "**tldr:** [Saturn](https://www.saturnos.com/) automates investment research, compliance, and back-office workflows for wealth managers, significantly reducing operational costs and freeing up time to focus on client engagement and growth.\n\n—\n\n---\n\n---\n\n---\n\nHey everyone, we're [Michael](https://www.linkedin.com/in/michaelettlinger/), [Rohit](https://www.linkedin.com/in/rohit-vaish/), and [Amal](https://linkedin.com/in/amaljolly), and we are on a mission to make wealth building more accessible for everyone by making wealth managers more efficient and scalable.\n\n![uploaded image](/media/?type=post&id=83502&key=user_uploads/352395/3ed6ecb3-c388-4a19-ba8d-49b9268f54ad)\n\n🧨 The Problem:\n\n# Servicing a client with compliance and back-office tasks is a time drain\n\nWealth managers spend an inordinate amount of time and resources on manual compliance and administrative tasks. This inefficiency leads to higher operational costs and limits their ability to serve more clients effectively.\n\nTake our client, Jason, as an example. Jason runs a mid-sized advisory firm in Norwich, UK, with over 15,000 clients and spends over 15 hours per client per year on compliance paperwork and back-office management all for doing one check-in a year. \n\nThese manual processes drain his time and increase operational costs. This time and money could be better spent on growing his client base and enhancing client services.\n\n🎉 The Solution:\n\n# Automated AI-powered wealth management operating system built for scale and personalisation\n\n![uploaded image](/media/?type=post&id=83502&key=user_uploads/352395/d23cb6a5-b78d-4494-8b52-4dea6abc4d31)\n\nSaturn helps wealth managers like Jason automate their compliance and back-office tasks, allowing them to focus more on client engagement and growth. Our platform uses AI to streamline processes and ensure real-time compliance, including:\n\n* Personalised investment research  \n* Faster client onboarding \n* Seamless Compliance reporting \n* Client growth & analytics\n\n**Using Saturn, wealth managers:**\n\n✔️ Save over 50% of the time typically spent on compliance and admin tasks  \n\n✔️ Increase operational efficiency, allowing them to offer more services and serve more clients\n\n✔️ Improve personalisation, retention and net revenue from their client\n\n💎 Opportunity:\n\n# Driving the Future of Wealth Management\n\nWealth management firms, like Jason's, waste countless hours and resources on manual compliance and operations—a massive inefficiency across the industry. Saturn is uniquely positioned to eliminate this burden through complete AI powered backoffice automation.\n\nImagine a world where wealth managers can seamlessly guide clients through their entire financial lifecycle, making this service accessible to many more people. This is the future Saturn aims to create.\n\n> Big opportunities like the wealth transfer, growing consumer needs amongst wider demographics requires a more digital and robust system to serve them.\n>\n> The current systems simply cannot scale to serve the need, they are plagued by operational challenges added by bad tech, increasing regulatory pressure, and cost base.\n>\n> This industry is in a dire need of a transformation\n>\n> **Saturn aims to be at the forefront of this transformation, driving the future of wealth management.**\n\n**✅ Progress so far**\n\n1. Grown to serve 200 firms globally\n2. Cashflow positive since month 2 in the market, live since Feb.\n3. Awesome team of 8 people.\n\n👋 **Ask: How you can help**\n\n1. Connect us to wealth managers or financial advisors in your network. [Intro us.](https://mailto:founders@heysaturn.com)\n2. Know any killer engineer or product visionaries with experience in Wealth Tech and Financial Services. [Intro us.](mailto:founders@heysaturn.com)", "url": "https://www.ycombinator.com/launches/Lio-saturn-backoffice-and-compliance-automation-for-wealth-managers", "votes": 42, "created_at": "2024-08-28T14:24:38.046Z" } ] }, { "id": 29735, "name": "FINNY AI", "slug": "finny-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2d0e659d5d03f52a35513c7fe53a3701c771832.png", "website": "https://www.finny.com/", "all_locations": "New York City, NY, USA", "long_description": "FINNY is the AI-native organic growth engine for financial advisors, focused on helping them grow their practices\r\n \r\nOur goal is to empower financial advisors to reach the right potential clients at the right time, with the right message. We are building a world where anyone who wants financial advice can connect with the right advisor, while helping advisors ensure organic growth, the most existential problem advisors face. \r\n \r\nThe organic growth process has historically been highly inefficient and full of noise. Advisors often waste 60+ hours of business development to convert 1 new client. \r\n\r\nAt FINNY, we are certain we can do better with AI. With our tool, advisors can:\r\n- Identify prospects within their target niche, aggregating thousands of data points per lead\r\n- Prioritize prospects based on their predicted likelihood of converting using F-Score, a score unique to each advisor and prospect pair\r\n- Automate the outreach and meeting scheduling with their high priority prospects\r\n\r\nIn essence, FINNY does all the rote work for the advisors, letting them focus on what actually matters: the client relationship.", "one_liner": "The organic growth engine for financial advisors ", "team_size": 35, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1716852989, "tags": [ "Fintech", "Machine Learning", "Finance", "Sales Enablement", "Automation" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/finny-ai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/finny-ai.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/finnyai/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/finny-6acf", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2d0e659d5d03f52a35513c7fe53a3701c771832.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 1755270, "full_name": "Eden Ovadia", "title": "Founder/CEO", "founder_bio": "Eden is the Co-founder and CEO of FINNY.\n\nShe studied Software Eng. at McGill University with a focus on ML. Prior to starting FINNY, Eden was at BCG where she worked in Private Equity & Financial Services. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/edenovadia", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1cb89e9ce9be37246ecb1f3e0e66556756e6db01.jpg" }, { "user_id": 1754854, "full_name": "Theodore Janson", "title": "Founder/CTO", "founder_bio": "Theo is the co-founder and CTO at FINNY. \nBefore FINNY, Theo worked as an applied ML engineer in an early Fintech startup, leading the development of statistical models and LLMs for automated financial analysis. He has also held research roles in LLM explainability and particle physics. Theo has degrees in electrical engineering and CS from Ecole Polytechnique (X) and McGill University.\n\n\n\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/theodore-janson", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b30d06543a1a116e358a9ec48f753d7e759411e2.jpg" }, { "user_id": 1630058, "full_name": "Victoria Toli", "title": "Founder", "founder_bio": "Victoria is the co-founder and CPO of FINNY, an AI-driven growth engine for financial advisors. \n\nBefore FINNY, she was a Product Manager at Uber, where she led growth and international expansion for Uber One. She holds a BS in Symbolic Systems, Artificial Intelligence from Stanford. Victoria grew up in Athens, Greece. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/victoria-toli/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9493c48a901d6d10732682c7f6b2b657f49c8953.jpg" } ], "jobs": [ { "id": 92443, "title": "Product Engineer ", "url": "https://www.ycombinator.com/companies/finny-ai/jobs/diUrCMS-product-engineer", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 110017, "title": "Senior Account Executive, Enterprise ", "url": "https://www.ycombinator.com/companies/finny-ai/jobs/ZpW4jSD-senior-account-executive-enterprise", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$150K - $200K", "equity_range": "", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 110018, "title": "Growth Marketing Manager ", "url": "https://www.ycombinator.com/companies/finny-ai/jobs/tVk0vEd-growth-marketing-manager", "location": "New York, NY, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$140K - $170K", "equity_range": "", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 110019, "title": "Growth Strategist, Enterprise ", "url": "https://www.ycombinator.com/companies/finny-ai/jobs/woHEz5n-growth-strategist-enterprise", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$130K - $150K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [ { "title": "WealthTech Roundup: FINNY Partners With Osaic for AI", "url": "https://www.wealthmanagement.com/artificial-intelligence/wealthstack-roundup-finny-partners-with-osaic", "date": "Jan 29, 2026" }, { "title": "FINNY closes $17M Series A to help RIAs fight organic growth squeeze - InvestmentNews", "url": "https://www.investmentnews.com/fintech/finny-closes-17m-series-a-to-help-rias-fight-organic-growth-squeeze/263644", "date": "Dec 18, 2025" }, { "title": "FINNY Adds Multi-Channel, Automated Prospect Outreach Feature", "url": "https://www.wealthsolutionsreport.com/finny-adds-multi-channel-automated-prospect-outreach-feature/", "date": "Aug 07, 2025" }, { "title": "YC-backed Finny is using AI to match financial advisors with prospects | TechCrunch", "url": "https://techcrunch.com/2024/12/11/yc-backed-finny-helps-financial-advisors-find-new-clients/", "date": "Dec 11, 2024" }, { "title": "Finny and the Great AdvisorTech Acceleration | Wealth Management", "url": "https://www.wealthmanagement.com/technology/finny-and-great-advisortech-acceleration", "date": "Aug 12, 2024" } ], "launches": [ { "id": 82467, "title": "⚡FINNY - Supercharge organic growth for Financial Advisors", "tagline": "We help independent financial advisors find and convert new clients, using AI. ", "body": "Hey everyone, we are Theo, Eden, and Victoria — the founders of [FINNY](https://www.finnyai.com/). We help independent financial advisors find and convert new clients, using AI.\\\n\\\nIf you’re confused as to why the three of us are so excited about building for financial advisors, keep reading.\n\n![uploaded image](/media/?type=post&id=82467&key=user_uploads/89898/9cd181f2-59e6-4458-b5c9-250b9399ee43)\n\n# 🧑‍🔬 **The Team**\n\n**🏦The Sales Whisperer**  \n\n[Eden](https://www.linkedin.com/in/edenovadia/) was most recently at BCG NYC, where she primarily worked in the Tech, Financial Institutions & Private Equity practices. She holds a BEng in Software Engineering from McGill (ML focus). \n\n**👾The Model Man** \n\n[Theo](https://www.linkedin.com/in/theodore-janson/) worked as a ML engineer at an early Fintech startup and AI researcher in Explainable ML. He holds a BEng in EE and Math from McGill and MS in AI from Ecole Polytechnique, Paris.\n\n**👩🏼‍🎨The Visionary** \n\n[Victoria](https://www.linkedin.com/in/victoria-toli/) came from Uber, where she led membership growth for Uber One as a Product Manager. She holds a BS from Stanford in Symbolic Systems (AI focus). \n\n# **🫶🏻 Why are we obsessed with Financial Advisors?**\n\n* **The Great Wealth Transfer** - $80T of wealth will be transferred from the Boomer/Silent Gen to the next generation over the next 20 years. \n* **Retiring advisors** - 45,000 financial advisors are over the age of 65 in the US, managing $3T in wealth that will change management when they retire.\n* **Wealth creation** - Wealth is being created in unprecedented ways (E.g., Innovation, Entrepreneurship, Social media, Racial wealth gain), but the institution serving the wealth has not changed\n* **Consolidation** - Private equity driving consolidation of a historically long tail of independent advisors\n* **Price Inertia:** Financial Advisors are used to paying 25 bps annually IN PERPETUITY for referrals. That’s $200B annually from the wealth transfer alone.\n\n \n\n# 💀 **The Problem FINNY is Solving**\n\nFinancial advisors manage >$100T in assets globally. Yet, bringing on new clients is highly inefficient. Their best bet is to repurpose horizontal solutions - like Linkedin, ZoomInfo, and Pitchbook - to create long and noisy prospect lists. However, without a proper way to qualify these leads or even reach their particular niche at scale, advisors end up spending an average of **58 hours** going after the wrong, often unqualified prospects before converting one new client.\n\n![uploaded image](/media/?type=post&id=82467&key=user_uploads/1755270/ea1b3592-dc3a-4581-86ad-447709eec5bf)\n\n# 💡 **The Solution**\n\nFINNY is reimagining organic growth for financial advisors with AI. Our first product, a multi-channel Sales agent, allows users to sit back and relax while it goes “out in the wild” (aka our massive database of high-net-worth individuals) and prospects for them. It’s like your intern, except it’s always on, running in the background.\n\nFINNY’s goal is for advisors to wake up in the morning to meetings with prospects on their calendars, entirely booked by FINNY. Our value proposition is three-fold: \n\n1. **_Prospect identification:_**\n * _We identify prospects within their target niche, aggregating thousands of data points per lead and constantly monitoring for life triggers_\n\n  \n2. **_Prospect prioritization_:**\n * We prioritize prospects based on their predicted likelihood of converting, a score unique to each advisor and prospect pair\n3. **_Prospect outreach & engagement:_**\n * _We automate the outreach and meeting scheduling with the high-priority prospects, intelligently selecting the optimal channel for the specific prospect_\n\n![uploaded image](/media/?type=post&id=82467&key=user_uploads/1755270/2df42888-af79-4d31-a06f-a153ff0487e7)\n\n# ✅ **Progress so far**\n\nIn just 3 months, we have:\n\n* Released the **1st** and **2nd iteration** of the product to 15 advisory firms.\n* Grown revenue by >**11x** MoM.\n* Got **70** firms to join our waitlist, without any acquisition efforts or outbound.\n* **Won** Morningstar’s Fintech Showcase last month.\n* Have been getting some **buzz**! [Here](https://www.businesswire.com/news/home/20240724776742/en/Future-Proof-Announces-Groundbreaking-Lineup-of-Fintech-Demo-Drop-III-Finalists) and [here](https://www.downtownjoshbrown.com/p/future-financial-advice-already-993f).\n\n \n\n![uploaded image](/media/?type=post&id=82467&key=user_uploads/1755270/5a150faf-0c65-424a-96f1-90f6e4c79b94)\n\n# **❓One Ask for You (If you made it this far)**\n\nIf you ever thought about working with a financial advisor, evaluated one, currently work with one _(or want to get matched with one_ **😉**_),_ we’d love to talk to you. Book 15 min with us [here.](https://calendly.com/eden-finny/finny-intro-call) If you’re in SF, we’ll buy you a coffee. If not, let’s call it an IOU.", "url": "https://www.ycombinator.com/launches/LS7-finny-supercharge-organic-growth-for-financial-advisors", "votes": 62, "created_at": "2024-07-26T15:05:12.600Z" } ] }, { "id": 29789, "name": "Paasa", "slug": "paasa", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/69545faa0fc0f7ee6b89313f1c320d59486f1802.png", "website": "https://paasa.com", "all_locations": "Gurugram, HR, India", "long_description": "Paasa helps wealthy Indians invest in global equities - without middlemen, hidden fees, or paperwork.\r\n\r\nWhile high-net-worths in India often have international expenses from children's education to healthcare, most still save in INR, a currency that depreciates ~2–5% per year against the USD. Why?\r\n\r\n- Broken outward remittance process\r\n- Fear of making mistakes in tax or compliance\r\n- Paper-heavy onboarding processes of international brokers\r\n- Lack of trustworthy guidance\r\n\r\nPaasa offers a mobile app that enables Indians to trade worldwide, invest via advisory, and automate every cross-border tax filing.", "one_liner": "Invest in Global Equities from India", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1723926494, "tags": [ "Fintech", "Consumer", "Investing", "Emerging Markets" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/paasa", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/paasa.json", "year_founded": 2024, "city": "Gurugram", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/paasa", "x_url": "https://x.com/paasainvest", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/69545faa0fc0f7ee6b89313f1c320d59486f1802.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1349737, "full_name": "Nitish Sahni", "title": "Founder/CEO", "founder_bio": "Invest in global markets from India.", "is_active": true, "linkedin_url": "https://linkedin.com/in/nitishsahni", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5698052f2c8b615eea9d1b979f9eac883fdc5342.jpg" }, { "user_id": 1961202, "full_name": "Sparsh Sharma", "title": "Founder", "founder_bio": "Chief product officer at Paasa", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sparsh-sharma-design/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8b3548ef5824a7bc28611d7c2c95679e26331d43.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 83571, "title": "Paasa - Build wealth across borders", "tagline": "Invest in US markets from emerging economies.", "body": "[Paasa](https://paasa.com/) gives high-net-worth individuals (HNIs) in emerging markets the same globally diversified portfolios as HNIs in America.\n\n![uploaded image](/media/?type=post&id=83571&key=user_uploads/1349737/99f6cc47-f702-4c67-b7c8-9659ff814b35)\n\n**What’s the problem?**\n\n‘Pre-HNIs’ and HNIs in countries like India want to diversify their wealth internationally. A few cross-border brokerage apps exist, but most customers hesitate due to:\n\n* Lack of guidance on foreign investments\n* Remittance regulations that change every year\n* Cross-border tax filing that their CFAs struggle with\n* Slow outflows from local banks\n\nThese barriers keep global investing out of reach, reserved for the top 0.001% who can afford wealth managers and family offices. We’re changing that.\n\nOur vision is to bring all the opportunities of the 0.001% to the pre-HNI without any hassle.\n\n**Team**\n\n[Sparsh](https://www.linkedin.com/in/sparsh-sharma-design/) and I ([Nitish](https://linkedin.com/in/nitishsahni)) grew up in India and have known each other for 5 years. Both personal finance nerds, we previously worked at SoFi, where Sparsh led design on Student Loan Refinance, and I led engineering projects on Data Governance.\n\n**Ask**\n\nIf you’re in India and want to invest globally, [reach out](https://paasa.co/form)! We’re [founders@paasa.co](mailto:founders@paasa.co)\n\n![uploaded image](/media/?type=post&id=83571&key=user_uploads/1349737/821d0b76-d224-43b7-996d-a539b271dba9)\n\n", "url": "https://www.ycombinator.com/launches/Ljv-paasa-build-wealth-across-borders", "votes": 131, "created_at": "2024-08-29T15:14:04.755Z" } ] }, { "id": 29796, "name": "Finosu", "slug": "finosu", "former_names": [ "Cedar Star" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3dd16f59d0364681bf3111ec38321f6ece68ed50.png", "website": "https://www.finosu.com", "all_locations": "New York City, NY, USA", "long_description": "Hi - Mark and Gab here!\r\n\r\nWe met while working at Alt, a marketplace for collectibles, where we built a $200 million specialty finance business line. At Alt, we faced the complex challenges that come with servicing consumer loans. We spent countless hours and resources developing internal tools to manage loan payments, communicate with borrowers, and keep track of loan performance—all while ensuring a positive experience for our customers.\r\n\r\nHowever, after dealing with the headaches of manual data entry, fragmented systems, delayed payments, lack of personalized borrower engagement, and the stress of maintaining accurate records, we knew there had to be a better way to service consumer loans.\r\n\r\nSo, we started Finosu to build the servicer we wish we had—an AI-powered consumer loan servicer designed to streamline and enhance every aspect of the loan servicing process. \r\n\r\nOur mission is to transform loan servicing into a seamless, efficient, and customer-centric experience.\r\n\r\nThe operational cost of servicing loans reaches into the tens of billions a year and that is money out of the pocket of lenders, borrowers, investors, and ultimately the consumers as a cost of doing business – we are changing that.", "one_liner": "AI Native Consumer Loan Servicer", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1723762134, "tags": [ "Fintech", "B2B", "Lending", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/finosu", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/finosu.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/finosu/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3dd16f59d0364681bf3111ec38321f6ece68ed50.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1996346, "full_name": "Mark Ricciardi", "title": "Founder/CEO", "founder_bio": "Started in finance as a special situations private credit investor and then moved to tech to build productized credit instruments. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mark-ricciardi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a5ca99bd24073b14bb11402d745e4abffa1fde18.jpg" }, { "user_id": 1997164, "full_name": "Gabriel Vincent Kho", "title": "Founder/CTO", "founder_bio": "Stanford grad. Ex-Flexport. AI consultant (not currently because I'm working on my own start-up). I'm currently working on fixing the problems I faced in the credit space while working at Alt.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/%F0%9F%94%B0-gabriel-kho-924a6166/", "x_url": "https://twitter.com/gakho", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/daa745f43901a4e738ce7bf3b80728b0ab7cdbfd.jpg" } ], "jobs": [ { "id": 90198, "title": "Infra Engineer", "url": "https://www.ycombinator.com/companies/finosu/jobs/TKx1Llu-infra-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$125K - $200K", "equity_range": "0.25% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "PostgreSQL", "React", "Redis" ] }, { "id": 100351, "title": "Data Engineer", "url": "https://www.ycombinator.com/companies/finosu/jobs/bzA1L0R-data-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$150K - $200K", "equity_range": "0.75% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Google Cloud", "Kubernetes" ] }, { "id": 100352, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/finosu/jobs/b3vdf0y-forward-deployed-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$150K - $200K", "equity_range": "0.75% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 83104, "title": "Finosu: Automated compliance for consumer lending", "tagline": "We automate mandatory compliance to save lenders, investors, and auditors time and money.", "body": "**TL;DR: The consumer lending compliance process sucked, and so we started Finosu to build the tools we wish existed.**\n\nHi all - we’re [Gabriel](https://www.linkedin.com/in/%F0%9F%94%B0-gabriel-kho-924a6166/) and [Mark](https://www.linkedin.com/in/mark-ricciardi/). Together we built a $200m lending business within a fintech marketplace, and in doing so, spent hundreds of hours and hundreds of thousands of dollars on compliance work. \n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXewpShqbgrlpyOsuXmfPgyGdsFEMU-TvpnSN6zuBIVArSX2HyhiMSKCq-ksNr3LxRgI0ZfbArgbK9z7hZatDiRF3kyBB52ql40rnruBlrvUBZaTmEIqMJX4K8yK7dHBfQ_LHdvOr3ZVLRXjhNSLxXNMvR0B?key=yRFyYsAwfokUFio43hbr7g)\n\n**Problem:**\n\n* Regulatory compliance is mandatory to access the $5 trillion US consumer credit market\n* Compliance today is expensive, relies heavily on manual processes to navigate the complicated state and federal laws, and operates reactively to audit requests\n\n**Solution:**\n\nOur software relieves the pain of hunting through regulatory codes, the confusion of form filling, the surprise of regulatory deadlines, the monotony of PDF data extraction, the anxiety of brittle Excel spreadsheets, and the frustration of buried email threads with advisors… to name a few…\n\nWe ingest lenders’ existing information (PDFs, excels, loan management systems, etc.) and:\n\n* automate filing and maintenance of state lending licenses\n* automate preparation for loan book auditing \n* provide a loan management system that is natively and proactively compliant\n\n ![uploaded image](/media/?type=post&id=83104&key=user_uploads/1996346/d368a12c-36cf-4ae3-8cce-f9e622731adc)\n\n\n**Why now:**\n\n* The cost of compliance has skyrocketed as federal agencies such as the Federal Reserve, FDIC, and OCC have [increased scrutiny](https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/small-group-of-banking-as-a-service-banks-logs-big-number-of-enforcement-actions-80067110) on sponsor bank partnerships\n\n**The ask:**\n\n* If you work in or around all forms of lending at a fintech, investor, advisor, broker, or bank, we’d love to chat! \n* Share this post! If there is anyone in your network who deals with consumer lending, we would love to learn more about their problems and see if we can be helpful!\n * Copy & paste blurb: A team of ex-fintech operators created a product to automate regulatory licensing and loan book auditing for consumer lending. Contact [mark@finosu.com](mailto:mark@finosu.com) to see a demo from the founders.", "url": "https://www.ycombinator.com/launches/LcO-finosu-automated-compliance-for-consumer-lending", "votes": 334, "created_at": "2024-08-15T23:13:24.511Z" } ] }, { "id": 29804, "name": "Thyme", "slug": "thyme", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2ad649a18852dafbb67750b37634ebaf5846cdc.png", "website": "https://www.meetthyme.com/", "all_locations": "San Francisco, CA, USA", "long_description": "There are 300k+ financial advisors in the US using a digital Rolodex to manage their client relationships, and it's time for a makeover.\r\n\r\nAt Thyme we are building the OS for financial advisors that allows them to automatically take notes in meetings (in-person, online, and phone calls), manage their client records with the help of AI, and offer a client portal where clients can track their assets, manage tasks, and even pay for their services. \r\n\r\nOur users have replaced their legacy CRMs and billing solutions with us while deepening their clients' relationships thanks to our client portal and AI tooling that puts rich context at their fingertips.", "one_liner": "The OS for financial advisors", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1721429440, "tags": [ "Fintech", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "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/thyme", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/thyme.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/thyme-yc-s24/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f2ad649a18852dafbb67750b37634ebaf5846cdc.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/716b46984dc9861c415cc0af0f2554902e77e0b4.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/e7ebb562ab21e4bbe89f7a64e4689e1e5bfb3638.png" ], "primary_partner": null, "founders": [ { "user_id": 1990568, "full_name": "Daniel Lantz", "title": "Founder/CTO", "founder_bio": "I am originally from Texas and currently reside in Richmond, VA. Prior to co-founding Thyme, I worked as a software engineer at Capital One, trovata.io, and Campfire (YC S23).\n\nIn my free time, I enjoy Brazilian Jiu-Jitsu, chess, and spending time with my wife and son.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dflantz/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/75e521f94b8ea0c4fe37fc96a2726dcaf11b4e0e.jpg" }, { "user_id": 847698, "full_name": "Fernando San Martin", "title": "Founder/CTO", "founder_bio": "Electrical engineer from Spain. I moved to SF to start my career.\nFor the most part, I've worked at the intersection of finance, software, and data at places like Capital One, Zippi (YC s19), and Trovata.\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/fsanmartinjorquera", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a09be096d062b31a9f89b15bb2cd57fbf098f7d3.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 82372, "title": "🌿 Thyme: meeting intelligence for financial advisors", "tagline": "Run 10x better meetings as a financial advisor.", "body": "**tl;dr: **[**Thyme**](https://www.meetthyme.com/)** enables financial advisors to run 10x better meetings. We cover meeting prep, transcription, summarization, CRM syncing, and document parsing. Please introduce us to any financial advisor in your network!**\n\n# 🧑‍🤝‍🧑 About us\n\nWe are Fernando San Martin (left), and Daniel Lantz (right). We've worked together at Capital One, trovata.io, Campfire (YC S23) and are now Thyme co-founders. Our mission is to build better software tools for financial advisors.\n\n![uploaded image](/media/?type=post&id=82372&key=user_uploads/847698/1370b41c-bff4-402b-be93-fc40ffa032cb)\n\n# **❗ The Problem**\n\nFinancial advisors spend hours every day preparing, running, and following up on client meetings. Their attention is split between engaging with the client and taking meaningful notes, and often, these notes are incomplete or non-existent.\n\n![uploaded image](/media/?type=post&id=82372&key=user_uploads/847698/3e9d6239-57f1-4a34-b794-7223d5eef16b)\n\nAfter finishing the meeting, the advisor has to expand on the few scattered words that they jotted down to create follow-up tasks and update their CRM with the new client insights.\n\n# ✅ **Our Solution**\n\nThyme solves all of the above. Using our app, the advisor can see their upcoming meetings, for which they can prepare by viewing a holistic profile about the client and even asking natural language questions.\n\nOnce in the meeting, our app uses state-of-the-art AI technology to transcribe, summarize, generate action items, and draft follow-up emails.\n\n![uploaded image](/media/?type=post&id=82372&key=user_uploads/847698/554cca4a-0ea6-40f2-ad21-effa09f00d16)\n\nFinally, our powerful integrations with the rest of the advisors’ tech stack also allow us to initiate workflows and send tasks and notes to other systems. Any financial documents submitted by the client are parsed and integrated into their profile.\n\nOur users describe the solution as a game-changer that saves them hours each week while creating much richer and more accurate notes and tasks that sync seamlessly with their stack.\n\n# 🙏 **Request**\n\n* If you like what we are building, upvote, comment, and follow us on [Linkedin.](https://www.linkedin.com/company/thyme-yc-s24/)\n* If you know of any financial advisors in your network, ask them if they would be interested in chatting. Here is a potential blurb you can use to introduce us: \"[Thyme](https://www.meetthyme.com) is changing how financial advisors run online meetings. Would you like to hear more directly from the team?\"\n* Like and re-share our upcoming public launch with your network later this week.\n* Reach out to us at [founders@meetthyme.com](mailto:founders@meetthyme.com) if you have ideas or suggestions or would like to simply meet.", "url": "https://www.ycombinator.com/launches/LQa-thyme-meeting-intelligence-for-financial-advisors", "votes": 110, "created_at": "2024-07-23T17:47:07.110Z" } ] }, { "id": 29824, "name": "Assembly HOA", "slug": "assembly-hoa", "former_names": [ "Assembly Technologies Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/251db0cfd3ffbbbe376cb8fa8066246654b8bd87.png", "website": "https://assemblyhoa.com", "all_locations": "San Francisco, CA, USA", "long_description": "Assembly is an AI-native HOA management company on a mission to fix homeowner associations. Traditional HOA management is often reactive, confusing, and inefficient. Assembly takes a different approach by combining professional expertise with intelligent software to make communities run smoothly and decisions easier.\r\n\r\nWe exist to build trust, create transparency, and ensure well-run communities that protect and enhance property values.\r\n\r\nAssembly simplifies day-to-day operations, automates routine tasks, and delivers the right knowledge at the right time. Our platform gives boards and homeowners clarity to make smarter, more confident decisions. \r\n\r\nWe manage HOAs in San Francisco Bay Area and Greater Los Angeles. ", "one_liner": "AI-native HOA Management Company", "team_size": 12, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1720464041, "tags": [ "Fintech", "Real Estate", "Housing", "Proptech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "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/assembly-hoa", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/assembly-hoa.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/assemblyhoa/", "x_url": "https://twitter.com/AssemblyHOA", "fb_url": "https://www.facebook.com/people/Assembly-HOA-Management/100090034425034/", "cb_url": "https://www.crunchbase.com/organization/assembly-ad9b", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/251db0cfd3ffbbbe376cb8fa8066246654b8bd87.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": 383321, "full_name": "Allen Liou", "title": "Founder", "founder_bio": "Allen has a background in real estate and startups. He worked as a real estate agent for several years, managing client relationships and transactions. In startups, he specialized in customer success and implementation, focusing on improving client experiences and efficiency.\n\nGrowing up in a townhome community, Allen has firsthand insight into HOA governance challenges and opportunities. This perspective, combined with his expertise, drives his passion for creating innovative HOA management.", "is_active": true, "linkedin_url": "https://linkedin.com/in/allenliou1", "x_url": "https://twitter.com/allenliou_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/77f12e3c595734f30784d24dcd1bb86bcdfd3fa8.jpg" }, { "user_id": 279288, "full_name": "Shreyas Bharadwaj", "title": "Founder", "founder_bio": "Shreyas has a strong background in AI/ML, having worked as a data scientist at startups and most recently at the RAND Corporation, where he developed experimental ML products for the DoD.\n\nHis journey with HOAs began with his own condo ownership, where encountering massive inefficiencies in community operations led him to join the HOA board. At Assembly, Shreyas leverages his technical expertise and passion for safeguarding homeowners' investments to build the next-generation of HOA management.", "is_active": true, "linkedin_url": "https://linkedin.com/in/shreyas-assembly", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c10e44e5bedc8e30346a2fa04931f64b404ce67b.jpg" } ], "jobs": [ { "id": 67836, "title": "Senior Community Association (HOA) Manager", "url": "https://www.ycombinator.com/companies/assembly-hoa/jobs/zfZd80w-senior-community-association-hoa-manager", "location": "Glendale, CA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$70K - $90K", "equity_range": "0.05% - 0.10%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 69860, "title": "Founding Engineer (Full-Stack) ", "url": "https://www.ycombinator.com/companies/assembly-hoa/jobs/9R7bAZy-founding-engineer-full-stack", "location": "San Mateo, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $200K", "equity_range": "1.00% - 2.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Google Cloud", "Kubernetes", "Node.js", "React", "TypeScript", "Firebase", "Docker", "Next.js" ] }, { "id": 88866, "title": "Senior Community Association (HOA) Manager", "url": "https://www.ycombinator.com/companies/assembly-hoa/jobs/D9FlMf3-senior-community-association-hoa-manager", "location": "Long Beach, CA, US / Riverside, CA, US / CA, US / Remote (CA, US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$70K - $90K", "equity_range": "0.05% - 0.10%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 101992, "title": "Director of Business Development, San Francisco Bay Area", "url": "https://www.ycombinator.com/companies/assembly-hoa/jobs/UMqAWkR-director-of-business-development-san-francisco-bay-area", "location": "San Mateo, CA, US / Remote (San Mateo, CA, US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$90K - $140K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 113865, "title": "Founding Engineer (Full-Stack) ", "url": "https://www.ycombinator.com/companies/assembly-hoa/jobs/enznpU7-founding-engineer-full-stack", "location": "Los Angeles, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $200K", "equity_range": "1.00% - 2.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 82995, "title": "🏘️ Assembly HOA: Modern tech-enabled HOA management", "tagline": "Your HOA probably sucks. We can help.", "body": "TL;DR; [Assembly](https://assemblyhoa.com/) provides tech-enabled HOA management for your community and [Atlas](https://atlas.assemblyhoa.com/sign-in), a free AI-copilot to help you navigate your HOA.\n\n[Allen](https://www.linkedin.com/in/allenliou1/) and [Shreyas](https://www.linkedin.com/in/shreyas-assembly/) here from Assembly!\n\nWe started Assembly because we were fed up with slow, inefficient, and costly HOAs that often make homeowners feel like renters, powerless against poor management. What’s the point of homeownership if you feel this way?\n\nAssembly leverages the latest in fintech and AI to automate HOA operations and provide real-time information to homeowners. Our cutting-edge software, combined with top-tier HOA managers, ensures that your most valuable asset is protected while delivering a modern, transparent experience you’d expect in 2024.\n\n![uploaded image](/media/?type=post&id=82995&key=user_uploads/383321/c99c2211-0986-4274-a34b-2471debedbf8)\n\nWe’re live with 26 communities across Greater Los Angeles and SF Bay Area and a [4\\.9 star rating on Google.](https://g.co/kgs/kYqnUpb)\n\n**Ask:** If you or anyone you know is an HOA board member or a homeowner struggling with their HOA, we’d love to bring your HOA over to Assembly! Please reach out to us at 213 282 8809 or [allen@assemblyhoa.com](mailto:allen@assemblyhoa.com) to learn how we can help or book time directly: \n\n### But wait, there’s more!\n\nTo help any homeowner faster than waiting for the HOA to switch HOA management companies, we’re launching Assembly Atlas, your free AI HOA copilot to help you navigate your HOA. \n\n![uploaded image](/media/?type=post&id=82995&key=user_uploads/383321/e676505c-c487-4d70-8596-8ee0566e2745)\n\nAtlas reads through your HOA’s governing documents (CC&Rs, Bylaws, and Rules & Regs) and generates simple cards to help you get clarity about what you can and can’t do in your community. You can also ask Atlas directly if you have other questions or want to go into more detail.\n\n![uploaded image](/media/?type=post&id=82995&key=user_uploads/383321/c5a6eee8-f635-45b6-b8d4-9d1428fec34f)\n\n**Ask:** Try or share Atlas with any homeowners you know: and let us know your thoughts ([founders@assemblyhoa.com](mailto:founders@assemblyhoa.com)). ", "url": "https://www.ycombinator.com/launches/Lad-assembly-hoa-modern-tech-enabled-hoa-management", "votes": 39, "created_at": "2024-08-13T18:05:16.137Z" } ] }, { "id": 29829, "name": "Moreta", "slug": "moreta", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc2125b4c2d5e8eae9ac64af8a5a8f56b7a9e588.png", "website": "https://moretapay.com", "all_locations": "San Francisco, CA, USA", "long_description": "At Moreta, we simplify payments for international travelers, letting you pay for anything using just your phone. Done is the hassle of searching for the best cash exchange rates or ATMs on your next trip. With Moreta, paying local merchants is easy.\r\n\r\nWe came up with Moreta while on our own backpacking adventures. Watching locals pay with a simple scan while we fumbled with cards and cash. So, we created a solution. By syncing with local payment networks, Moreta lets you pay like a local securely and digitally, without needing a bank account in every country.\r\n\r\nWe’re starting in Asia, where QR code digital wallets are taking over and are now the top choice at checkout. As these wallets start to join forces for cross-border payments, Moreta is the first to bridge the gap for international travelers from card-centric markets to tap into these local networks. Moreta will target 200 million travelers arriving in the region each year, who together have $410 billion in everyday expenditure.", "one_liner": "Payments made easy for international travelers.", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1724360319, "tags": [ "Fintech", "Payments", "Consumer", "Travel", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/moreta", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/moreta.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/moretapay", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc2125b4c2d5e8eae9ac64af8a5a8f56b7a9e588.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1269607, "full_name": "Walid Mahd", "title": "Founder/CEO", "founder_bio": "Walid is the co-founder and CEO of Moreta.\n\nHe was previously a card and fintech payments consultant at Mastercard Advisors and is an Ivey Business School HBA graduate. \n\nHe is an avid world traveler and backpacker, having explored over 30 countries across Europe, Southeast & Eastern Asia, Africa, and the Middle East.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/walidmahd/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3c5ffbe0daa4a0b56512bbb71ab42c308b58f6c9.jpg" }, { "user_id": 1202797, "full_name": "Sam Yu", "title": "Founder/CTO", "founder_bio": "Sam is the co-founder and CTO of Moreta.\n\nHe studied Computer Science at the University of Waterloo and has extensive experience building and shipping consumer products.\n\nAs the Head of Research & Development at Stems, he led the development of their first mobile app and generative AI product. During his internships at Apple, Google, Meta, and Uber, Sam worked on high-impact projects, including developing the instagram.com search feature used by over 50 million people.", "is_active": true, "linkedin_url": "https://linkedin.com/in/yu-sam", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ab42168458bb418cd8702608f643d4f1065de9b7.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 83432, "title": "Moreta: Payments made easy for international travelers", "tagline": "Moreta lets you pay like a local, securely and digitally, without needing a bank account in every country.", "body": "Hi everyone, we’re Walid and Sam! We are avid travelers and backpackers who’ve been to over 40 countries combined. 🌏🎒\n\n**TLDR:** Moreta enables international travelers to pay for anything using their phone anywhere in the world. We’re launching first to allow users to pay in Southeast & East Asian markets.\n\n[Join our waitlist for early access.](https://moretapay.com)\n\n![uploaded image](/media/?type=post&id=83432&key=user_uploads/1269607/0d6b9a4c-2d2c-46e2-95b1-21fd57ee2057)\n\n❌ **THE PROBLEM**\n\nWhen traveling abroad, do you find yourself asking if merchants accept card? How much cash do you need? Where can you get the best rate?\n\nPayments around the world are very fragmented and rely heavily on cash, or an alternative like QR code digital wallets.\n\nAnd for foreigners traveling, this typically means you need some combination of card and cash. In many countries, merchants may not accept card payments, and when they do, they often charge extra fees. Cash payments can also be costly due to high foreign exchange and ATM fees.\n\n![uploaded image](/media/?type=post&id=83432&key=user_uploads/1269607/6c9f3c8a-495a-4448-a550-1c38341b7d9b)\n\n✅ **THE SOLUTION**\n\nMoreta simplifies payments for international travelers, letting you pay like a local using just your phone. Users download Moreta, upload documentation verifying their identity, connect their bank account to load funds, and pay, all within minutes.\n\nMoreta will launch first in the Southeast and East Asian markets. Users can scan existing merchant QR codes and pay like locals.\n\n![uploaded image](/media/?type=post&id=83432&key=user_uploads/1269607/b9991f8b-9fe0-4106-8601-c17aaa1bb2e5)\n\n👥 **THE TEAM**\n\nWalid (CEO) and Sam (CTO) have been friends since high school. \n\n[Walid](https://www.linkedin.com/in/walidmahd/) was a payments consultant at Mastercard Advisors and experienced the payment pains of an international traveler when he backpacked through Southeast & Eastern Asia. \n\n[Sam](https://linkedin.com/in/yu-sam) was previously the Head of Research & Development at Stems and developed the Instagram web search feature used by over 50 million people.", "url": "https://www.ycombinator.com/launches/Lhg-moreta-payments-made-easy-for-international-travelers", "votes": 70, "created_at": "2024-08-26T20:56:57.937Z" } ] }, { "id": 29836, "name": "TradeFlow", "slug": "tradeflow", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4f562e2265bcd5600f4ba364e50019b9ca9ba417.png", "website": "https://www.tradeflowai.com/", "all_locations": "New York City, NY, USA", "long_description": "TradeFlow is AI-powered settlement for financial securities. During her time in financial services, Taryn saw firsthand how inefficient and costly it is to settle trades. Historically, it’s been difficult to improve this process because it’s heavily reliant on manual emails, disparate systems, and inconsistently structured data. However, the advent of powerful AI technology allows us to unlock greater automation than ever before. TradeFlow empowers back offices to do more with less by offloading these time-intensive tasks to AI.", "one_liner": "AI-powered settlement for financial securities", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1721925578, "tags": [ "FinOps", "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tradeflow", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/tradeflow.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tradeflowai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4f562e2265bcd5600f4ba364e50019b9ca9ba417.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/96e821fc2d37e820b5761cfec0da3598a8c3c280.png" ], "primary_partner": null, "founders": [ { "user_id": 726397, "full_name": "Taryn Reardon", "title": "Founder/CEO", "founder_bio": "Taryn is the Co-Founder and CEO of TradeFlow. She has expertise in financial services, with experience in electronic trading, middle office, and digital transformation roles. Prior to TradeFlow, Taryn worked at Goldman Sachs, where she managed institutional client relationships to drive bottom-line results. Taryn graduated from Cornell University with a B.S. in Policy Analysis & Management.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/taryn-reardon/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c2e3344506bc7f798e9aec2bc656deb12cce764e.jpg" }, { "user_id": 735974, "full_name": "Liam Breen", "title": "Founder/CTO", "founder_bio": "Liam is the Co-Founder and CTO of TradeFlow. Previously, he was a software engineer at Meta, where he drove critical privacy initiatives for Facebook and built a data mining tool to identify malicious entities on the platform. Liam graduated from Cornell University with a B.S. in Computer Science. He is also a graduate of Phillips Exeter Academy.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/liam-b-456081124/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0e412fa925255590308d66f10f8725f1b49e2783.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 82527, "title": "TradeFlow: AI software to automate stock trade settlement", "tagline": "Automating post-trade operations with the power of AI", "body": "[**TradeFlow**](https://www.tradeflowai.com/) uses AI to automate stock trade settlement for financial firms.\n\n# **About Us**\n\n[Taryn](https://www.linkedin.com/in/taryn-reardon/) and [Liam](https://www.linkedin.com/in/liam-b-456081124/) met at Cornell University 7 years ago. After graduating, Taryn worked at Goldman Sachs in global markets, and Liam worked at Meta as a software engineer.\n\n![uploaded image](/media/?type=post&id=82527&key=user_uploads/89898/6a9ccc58-dbae-4d3e-b6ca-0b2a59210019)\n\n# **The Problem**\n\nDuring her time in financial services, Taryn saw firsthand how inefficient and costly it is to settle trades. Trade settlement requires extensive coordination across firms, yet the current financial infrastructure is extremely fragmented. The industry acknowledges the inefficiency, but it’s been difficult to improve because workflows are heavily reliant on manual emails, disparate systems, and inconsistently structured data.\n\nTo make matters worse, the US just shortened the settlement timeline from 2 days to only 1, forcing operations professionals to perform the same workload in half the time.\n\n# **The Solution**\n\nThe advent of powerful AI technology can unlock greater efficiencies than ever before. Leveraging LLMs, TradeFlow digests and centralizes data from all key sources and automates action items, like booking trades and writing emails. Instead of completing time-intensive tasks by hand, operations professionals can offload them to TradeFlow and simply review the work at the end.\n\nWe empower back offices to do more with less, so trades can settle faster with a fraction of the human effort.\n\n![uploaded image](/media/?type=post&id=82527&key=user_uploads/726397/a05be150-dcab-46d1-b424-ea41f5c37152)\n\n# **Our Ask**\n\n* Let us know at [sales@tradeflowai.com](mailto:sales@tradeflowai.com) if you have any financial services leaders in your network (brokers, banks, institutional investment firms)! Here is a blurb that you can share with others:\n\n _“An ex-Goldman sales trader and an ex-Meta engineer created _[**_TradeFlow_**](https://www.tradeflowai.com/)_, an AI-powered software to automate post-trade operations. Reach out to the team at _[_sales@tradeflowai.com_](mailto:sales@tradeflowai.com)_ to learn more & schedule a demo.”_\n* Follow us on [**LinkedIn**](https://www.linkedin.com/company/tradeflowai/)!", "url": "https://www.ycombinator.com/launches/LT5-tradeflow-ai-software-to-automate-stock-trade-settlement", "votes": 77, "created_at": "2024-07-29T18:09:40.177Z" } ] }, { "id": 29837, "name": "RentFlow", "slug": "rentflow", "former_names": [ "Pastelle.", "Mindley", "Mindely" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/83db64301a123c8f20195581b448254e59c1a24f.png", "website": "https://www.therentflow.com", "all_locations": "Miami, FL, USA", "long_description": "RentFlow is tackling a hair-on-fire problem for small and medium businesses across the U.S.: the way their rent is paid each month is fundamentally misaligned with how cash actually comes in.\r\n\r\nWe’re building the infrastructure layer to fix that.\r\n\r\nToday, ~50% of U.S. businesses are late on rent in any given month. The rest face invisible struggles to pay on time, undermining their stability month after month.\r\n\r\nRentFlow is the first platform to turn fixed business rent into an AI-driven, cash-flow-synced product, underwritten in real time from transaction-level data to prevent financial issues before they even surface.", "one_liner": "The AI infrastructure for cash-flow-aligned business rent", "team_size": 3, "industry": "B2B", "subindustry": "B2B", "launched_at": 1722719636, "tags": [ "Fintech", "Generative AI", "SaaS", "Payments", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B" ], "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/rentflow", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/rentflow.json", "year_founded": 2024, "city": "Miami", "country": "US", "linkedin_url": "https://www.linkedin.com/company/therentflow/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/83db64301a123c8f20195581b448254e59c1a24f.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": 1984308, "full_name": "Joseph Thalinjan", "title": "Founder/CEO", "founder_bio": "Joseph is the Co-Founder & CEO of RentFlow.\nBefore, he was a consultant at McKinsey & Company for 3 years, focusing on real estate and financial services.\nHe holds a Master of Science from CentraleSupelec Engineering School and a Master in Management from ESCP Europe Business School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joseph-thalinjan", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6e88b160c552f925895368d51700754cd0174b65.jpg" }, { "user_id": 177813, "full_name": "Alix Maurin", "title": "Founder/CEO", "founder_bio": "Alix is the Founder & CEO of RentFlow. She was a consultant at McKinsey & Company for three years, specializing in fintech strategy and business banking. Earlier in her career, she worked at Uber EMEA and Amazon. She holds a Master’s in Management from ESSEC Business School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alix-maurin-850610148/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/14f8880fc4247586a088e08381780f27882b896c.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 29840, "name": "Blaze", "slug": "blaze-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4e9eaaae054562a704e2fa2c79cd662fa1de1a6.png", "website": "https://blaze.money", "all_locations": "Remote", "long_description": "Blaze (YC S24) is the agentic finance platform. For businesses it's an AI CFO that pays bills, invoices clients, and forecasts cash. For people it's an agent that sends money, converts currencies, and manages your finances globally: you set the rules, it handles the rest. \r\n\r\nOther AI finance tools just report. Blaze moves the money, on your approval, in stablecoins or straight through the banking system. The founders scaled their last startup to $1M in ARR, studied at Duke, NYU, and Cornell, and led teams at Spotify and Artsy. npx @blaze-money/cli · https://blaze.money", "one_liner": "Agentic Finance for your Life and Business", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1724981206, "tags": [ "Fintech", "Crypto / Web3", "Payments", "Finance", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/blaze-2", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/blaze-2.json", "year_founded": 2023, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/useblazeapp", "x_url": "https://x.com/blaze_payments", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/blaze-payments", "github_url": "https://github.com/blaze-xyz", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4e9eaaae054562a704e2fa2c79cd662fa1de1a6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/32b6cfc229b1ca146e875d8913f53334c0da7203.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b23b3243843bfac9385fa07e9f744b4dd190b5a6.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2604eb06621ae7da34a3dad7a4b9615ea47aebea.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/774af9b5bbdce18803e42bc77308d5661c9177e8.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/396ee81d46aa6fc3c35efe9fc7b07cca81bfb27d.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/3e4c92dc0f9056196308a8086f2779fe155baa63.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1447220, "full_name": "Faiyam Rahman", "title": "Founder/CEO", "founder_bio": "Faiyam is a full-stack engineer with a bachelors in mathematics from Duke and a masters of engineering from Cornell Tech. He is now the cofounder and CEO of Blaze Payments. \n\nHe is an avid traveler, most recently having completed a 6 month tour of India, Bangladesh, Nepal, Bali and Portugal. He is also an avid practitioner of yoga and meditation, and he enjoys long walks, the spoken word, and celebrating the joy of being alive.", "is_active": true, "linkedin_url": "https://linkedin.com/in/faiyam-rahman", "x_url": "https://x.com/faiyamrahman?s=21 ", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9cba0c6e814acf0ad3ef9359b109b18d80452940.jpg" }, { "user_id": 85958, "full_name": "Luc Succès", "title": "Founder/CTO", "founder_bio": "Luc is a 2 time VC backed founder. His first startup, Often, launched a keyboard app that enabled you to text your friends with Drake lyrics. Upon launch, Often blew up to #1 on the App Store and got over 400k downloads. He scaled his second startup Seasons, a rental service for high end menswear to $1mm in ARR.\n\nLuc is a seasoned tech leader, having led teams at Artsy & Spotify. He is also an avid traveler, having lived and worked in over 50 countries worldwide.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lucsucces", "x_url": "https://x.com/lucsucces", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2f2d991ce92e352a925668beaa14834fea172da4.jpg" } ], "jobs": [ { "id": 93973, "title": "Special Projects Intern | AI Content Generation -- Work Directly with the CEO", "url": "https://www.ycombinator.com/companies/blaze-2/jobs/BON6JAn-special-projects-intern-ai-content-generation-work-directly-with-the-ceo", "location": "Remote (US)", "type": "Internship", "role": "Engineering", "role_type": "Full stack", "salary_range": "$1 / monthly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] }, { "id": 115184, "title": "Growth Engineering Intern | Work Directly with the CEO", "url": "https://www.ycombinator.com/companies/blaze-2/jobs/2MAby7B-growth-engineering-intern-work-directly-with-the-ceo", "location": "CA / US / MX / GT / BZ / HN / SV / NI / CR / PA / CU / JM / HT / DO / BS / BB / TT / LC / GD / VC / AG / DM / KN / CO / VE / GY / SR / EC / PE / BR / BO / PY / CL / AR / UY / Remote (CA; US; MX; GT; BZ; HN; SV; NI; CR; PA; CU; JM; HT; DO; BS; BB; TT; LC; GD; VC; AG; DM; KN; CO; VE; GY; SR; EC; PE; BR; BO; PY; CL; AR; UY)", "type": "Internship", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizenship/visa not required", "skills": [] }, { "id": 115811, "title": "Sales Intern (Commission) | Book Demos for an AI CFO | Hiring Immediately", "url": "https://www.ycombinator.com/companies/blaze-2/jobs/ST1qTQq-sales-intern-commission-book-demos-for-an-ai-cfo-hiring-immediately", "location": "CA / MX / GT / HN / SV / NI / CR / PA / CU / BZ / HT / BS / TT / JM / DO / BB / LC / GD / VC / AG / DM / KN / US / CO / VE / GY / SR / EC / PE / BR / BO / PY / CL / AR / UY / Remote (CA; MX; GT; HN; SV; NI; CR; PA; CU; BZ; HT; BS; TT; JM; DO; BB; LC; GD; VC; AG; DM; KN; US; CO; VE; GY; SR; EC; PE; BR; BO; PY; CL; AR; UY)", "type": "Internship", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [ { "id": 108616, "title": "Blaze - AI CFO for Businesses", "tagline": "An AI CFO that pays your bills, collects your invoices, and forecasts your cash.", "body": "**TL;DR:** Blaze is an agent that runs the entire finance function for your business: pay bills, accept payments, forecast your cash flow, and keep your books current. Install it with **npx @blaze-money/cli**. Use it with your favorite agentic harness or at blaze.money/agentic-finance. ChatGPT, Claude apps, and OpenClaw plugin coming soon.\\\n\\\nOur launch video: \n\n## ❌ The problem\n\nYou're a lean team busy doing more than you can handle already, and finances feel like a perpetual weight on your shoulders. You know there are bills to pay, invoices to collect on, questions you want answered. But a real finance team costs $10,000 to $20,000 a month, and you could always \"do it yourself,\" so the problem goes on dangling, half solved, half annoyance, always taking up RAM.\n\nWhat ends up happening is bills get paid late, you spend money on some $300/month marketing software your interns bought months ago without you knowing, and real problems with your vendors, payroll, and runway sneak up on you at 2am on Sunday.\n\nWe've lived this personally. As a 3 year old, super lean fintech team running all our own finances, we know what it's like trying to keep the finances afloat while doing everything else it takes to make it big. It's not like the work is rocket science. It's just constant, manual, nagging, and spread across 18 different tools that need sense making.\n\nUntil recently, you had to pay $10,000 a month to hire a finance function. We'd like to change that.\n\n## 🛠 What we built\n\n![uploaded image](/media/?type=post&id=108616&key=user_uploads/85958/4ef6fa06-6115-4df5-bacf-cc481a437e15)\n\n\\\nChat with Blaze from your favorite agentic harness and watch it get real things done for your finances:\n\n* **Pay bills and contractors.** Tell it to pay the AWS bill and it finds the invoice, shows you the amount, and pays on your approval. \"Send Maria $3,000 for the design work\" works the same way, domestic or international.\n* **Collect payments and send invoices.** \"Send Acme a payment link for $12,500.\" Blaze creates the link, sends it, and updates you when it's paid. Draft a real invoice the same way, from a one-line request. If a client drags their feet, it follows up automatically.\n* **Forecast cash.** Connects to your bank through Plaid, finds the recurring patterns, and projects your balance so you know your runway.\n* **Handle the pre-accounting.** Categorizes transactions and matches them to the bills and invoices they belong to as they happen, so your actual accounting is easier when you get to it.\n* **Move stablecoins.** On and off-ramps USDC across 80+ currencies, with support for cards and various local payment methods around the world.\n* **Flag problems early.** Tells you about a low balance, an overdue invoice, or unusual spend before it becomes an issue.\n\nIt installs with one command:\n\n```\nnpx @blaze-money/cli\n```\n\nYou can use it anywhere you use AI agents. Our favorites are in Hermes on Telegram and on the dashboard at dashboard.blaze.money. There's a REST API and SDK if you want to connect it to your own systems.\n\n![uploaded image](/media/?type=post&id=108616&key=user_uploads/85958/492a039d-5aeb-4cab-bc85-33fe8f82f1c0)\n\n## 🙏 Ask\n\nIf you are, or you know, any of the following, we'd love to hear from you.\n\n**Founders running lean**\n\nYou're doing your own bills, invoicing, and cash flow because a real finance team costs $10,000 to $20,000 a month. Try it and tell us what breaks: **npx @blaze-money/cli** or .\n\n**Early customers**\n\nWe're onboarding our first businesses now, and want people who'll help us decide what the agent should handle next. Especially focused on handyman and trades businesses (HVAC, repair, remodeling) and property managers, especially in the Airbnb space.\n\n**Anyone with an intro**\n\nTo founders and small teams who'd rather not open their bank again. You can reach us at [founders@blaze.money](mailto:founders@blaze.money).\n\n## 👥 Team\n\nFaiyam is a full-stack engineer who dropped out of med school to build startups instead. As a founding engineer at Luc's previous startup, he helped it scale to $1m in ARR. He manages finances for Blaze, and is personally relieved he no longer needs to stay up on Sunday nights to do so.\n\nLuc is a two-time founder. His first startup hit #1 on the App Store. Before that, he was a tech lead at Spotify and Artsy. Luc built Blaze's cross-border payment rails after living the problem firsthand, moving money in and out of Latin America.\n\nFun fact: Luc and Faiyam met after Faiyam \"coincidentally\" sat down next to him at a coffee shop in Williamsburg, New York, seven years ago. The rest is history (in the making).", "url": "https://www.ycombinator.com/launches/SFs-blaze-ai-cfo-for-businesses", "votes": 29, "created_at": "2026-07-31T17:08:14.398Z" }, { "id": 83613, "title": "Blaze - Global Venmo for cross border payments", "tagline": "Pay anyone, anywhere, seamlessly.", "body": "**TL;DR**: Blaze is building a global Venmo for cross-border payments. For example, if you're a Californian nomad living in Mexico City, you can use Blaze to pay rent to your local landlord. Or if you're an expat living in Colombia, you can use Blaze to pay your teacher for Spanish classes. Check [us out](https://blaze.money/app-download) on iOS and Android!\\\n\\\nA [quick intro](https://www.youtube.com/watch?v=50MMF87m3ZM) for you:\n\nA little over a year ago, we found ourselves traveling all over the world. Luc was spending time between Mexico, Colombia, and other parts of South America, while Faiyam was nomad-ing around Asia. Everywhere we went, it was a pain to transact with our new friends from other countries. We found ourselves wanting a Venmo like experience that worked for our international lives.\n\nSo we decided to build it. Blaze is the payments app we wanted for our own lives, and if you have a lot of international contacts, perhaps it is for you too.\n\n![uploaded image](/media/?type=post&id=83613&key=user_uploads/1447220/01f1684f-81c7-44be-8d51-3ae79733e27c)\n\n_from left to right:_\n\n💻 [Luc](https://www.linkedin.com/in/lucsucces) studied engineering at NYU before going on to start 2 VC-backed startups, one of which went to #1 on the app store and got him sued by Drake (true story). He’s also been a tech lead at Spotify and Artsy, and has lived and worked in over 50 countries worldwide.\n\n🧘‍♂️ [Faiyam](https://linkedin.com/in/faiyam-rahman) studied mathematics at Duke, then engineering at Cornell before going on to build a $1M ARR business with Luc at his 2nd startup. He’s also an avid practitioner of yoga and meditation.\n\n🧑‍🎨 [Igor](https://linkedin.com/in/zagnienski) is a former lead designer at BitPanda, Austria’s first unicorn. Prior to that, he spent his time jumping out of planes and running Space Individuals, one of Europe’s leading platforms to find jobs in Space.\n\n# 📱 **App Preview**\n\n![uploaded image](/media/?type=post&id=83613&key=user_uploads/1447220/71549726-5f93-469a-bf32-6f2ec6d5c94d)\n\n# **🙏 Asks**\n\n* Help us beta test! [Download](https://blaze.money/app-download) on iOS and Android. You can share feedback at [founders@blaze.money](mailto:founders@blaze.money).\n* **Share this post!** If you know someone with an international lifestyle who would want to use Blaze, please share this post with them.\n* **Connect us with** **businesses** in travel, hospitality, or other spaces that could use help with cross-border payments.", "url": "https://www.ycombinator.com/launches/Lkb-blaze-global-venmo-for-cross-border-payments", "votes": 34, "created_at": "2024-08-30T04:16:43.486Z" } ] }, { "id": 29841, "name": "Elayne", "slug": "elayne", "former_names": [ "Elayne AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5a39c5ab69e2cfbf8fdd2de5562516b23e3a5d91.png", "website": "https://www.elayne.com/", "all_locations": "New York City, NY, USA", "long_description": "Elayne is building the modern estate settlement platform. \r\n\r\nEstate settlement is a $250B+ annual market, with $80T+ in assets expected to transfer over the next 25 years. But after a death, families and executors have to spend 400+ hours manually identifying, organize, and distribute everything that was left behind like: financial accounts, debts, property, insurance, legal documents, incorporating juristidi ation requirements and family context. \r\n\r\nElayne is the first platform to surface verified assets and debts for precisely this moment, then turing our discovery into a clear inheritance map. We work directly with families and executors, and with the partners who support them: funeral homes, hospice and aftercare providers, attorneys, and financial institutions.\r\n\r\nThe company was founded by Adria, a former large-cap investor who experienced the problem firsthand, and Rebecca, a repeat fintech and mental health founder who left her master’s program in psychology at Harvard to launch Elayne. Together, they bring financial rigor, technical execution, and lived empathy to a massive but deeply human category.\r\n\r\nBacked by Y Combinator and Accel, we are now an 8-person team based in NYC.", "one_liner": "Estate settlement, from verified discovery to distribution", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1718839098, "tags": [ "Fintech", "B2B", "Legal", "Consumer Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/elayne", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/elayne.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/meetelayne", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5a39c5ab69e2cfbf8fdd2de5562516b23e3a5d91.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 1815430, "full_name": "Adria Ferrier", "title": "Founder/CEO", "founder_bio": "Co-founder / CEO at Elayne. Former large-cap private equity investor. Wharton grad.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adria-ferrier-8b242836/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/518afe9823418b557079e92352ebce3b05600deb.jpg" } ], "jobs": [ { "id": 109247, "title": "Senior Full-Stack Engineer", "url": "https://www.ycombinator.com/companies/elayne/jobs/fD9AZII-senior-full-stack-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$210K - $250K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "PostgreSQL", "React", "TypeScript", "Software Architecture", "Data Modeling" ] }, { "id": 109284, "title": "Senior Applied AI Engineer", "url": "https://www.ycombinator.com/companies/elayne/jobs/7AXa0LL-senior-applied-ai-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$250K - $270K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Python", "Machine Learning", "Natural Language Processing", "LLMs" ] }, { "id": 109289, "title": "Founding Operations Lead", "url": "https://www.ycombinator.com/companies/elayne/jobs/brdrVdJ-founding-operations-lead", "location": "New York, NY, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$140K - $180K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 111125, "title": "Legal Product Fellow", "url": "https://www.ycombinator.com/companies/elayne/jobs/OFRhZk4-legal-product-fellow", "location": "New York, NY, US", "type": "Internship", "role": "Legal", "role_type": null, "salary_range": "$30 - $40 / hourly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 83590, "title": "Elayne - AI estate planner & executor for employees and their families", "tagline": "We give back 400 hours to grieving employees, boosting their recovery and return to work.", "body": "Hey everyone, we’re [Adria](https://www.linkedin.com/in/adria-ferrier-8b242836/) and [Graf](https://www.linkedin.com/in/jake-grafenstein-33737270/) - cofounders of [Elayne](https://www.elayne.com/) 👋\n\n# TL;DR\n\nImagine losing a family member. You're grieving and overwhelmed by tasks like funeral planning, managing bills, insurance, probate, and closing accounts—all while trying to process your emotions and return to work. The last thing you need is 400 hours of estate settlement tasks looming over you for the next 16-20 months, making it challenging to perform at work and nearly impossible to take care of your mental health. We solve this problem for both you and your employer.\n\n**_Ask:_** Is your HR team currently reviewing benefits for 2025? Introduce us! Email [adria@meetelayne.com](mailto:adria@meetelayne.com) or [book a demo here.](https://www.elayne.com/request-demo)\n\n# 👫 The Team\n\n![uploaded image](/media/?type=post&id=83590&key=user_uploads/89898/46a5e6de-d62f-4210-a54b-761ebd822c41)\n\n[Adria](https://www.linkedin.com/in/adria-ferrier/) (CEO) - Adria is a former private equity investor at Permira and Blackstone and experienced this problem firsthand after losing her mom. Instead of focusing on due diligence at work, she had to spend hours figuring out how to plan a funeral, manage probate, settle bills, and close hundreds of accounts. She left her job within a year of her loss, as many bereaved employees often do.\n\n[Graf](https://www.linkedin.com/in/jake-grafenstein-33737270/) (CTO) - Graf cut his teeth in fintech working for Truebill (YC W16). There, he led the core web and mobile team, managing the implementation of critical experiences such as subscriptions, transactions, and net worth.\n\n# ❌ The Problem\n\nEmployee bereavement costs US businesses $100bn each year.\n\n* **A look at the numbers**: For every 1,000 employees _annually:_\n * **250 employees** will experience bereavement, 150 will experience a major loss\n * **418 days** will be spent on affairs settlement by employees\n * **$608,000** cost to business in lost productivity, absenteeism, and attrition\n* **No solutions:** there are no practical tools in the market to help HR leadership support their employees in the months following a loss\n* **Manual and time-consuming**: settling an estate takes an average of 400 hours over 18 months to complete and is currently completely manual\n\n# 🙇 Our Solution: One Platform for Family Estate Planning and Automated Settlements\n\n**Family Estate-Readiness 👪**\n\nThe estate-readiness platform provides a novel way for employees and their immediate family members to organize and optimize their estates.\n\n* **Visualizations**: Visualize your estate by uploading existing documentation and using our AI to extract information.\n* **Optimizations**: Use our AI to identify issues that could lead to problems executing the estate.\n* **Document Vault**: Upload and securely store critical documents that are needed in the event of a death.\n\n![uploaded image](/media/?type=post&id=83590&key=user_uploads/1979156/05c7fe36-9c75-460e-a1b3-4b0cff1b8fd9)\n\n**Automated Settlements 🕊️**\n\nThe post-loss platform saves employees 400 hours over 18 months by automating estate and affairs settlement after each loss.\n\n* **AI Concierge**: Chat with our AI concierge, who knows all the details about your situation and can execute tasks on your behalf.\n* **Personalized Roadmap:** Understand at a glance what you have to do, what your loved one planned ahead of time, and what the Elayne AI can do for you.\n* **Resources:** Access exclusive resources that help you understand probate and other opaque parts of the post-loss process.\n\n![uploaded image](/media/?type=post&id=83590&key=user_uploads/1979156/838b5fea-fc43-4380-b6d9-955ceaf692dd)\n\n**For HR Leaders ✨**\n\nKnowing what to say and how to support an employee experiencing a loss is hard, and navigating the death of an employee is even harder. We're here to help:\n\n* **Immediate Response**: Elayne steps in with an immediate action plan to coordinate urgent needs and communications on behalf of the employee or their family\n* **Workshops:** Explore the emotional and practical challenges that arise during the estate planning and settlement process and learn strategies to foster resilience\n* **Dashboard:** Quickly understand utilization rates, hours saved, and cost savings -for both your employees and company.\n\n# 🙏 Our Ask\n\n* Follow us on [LinkedIn](https://www.linkedin.com/company/meetelayne/), and [book a demo](https://www.elayne.com/request-demo) with our team.\n* **Share this post!** -  Do you know anyone in your network who is a CHRO, HR or benefits manager, or head of Total Rewards? Please share this post (or our promo video below!)\n* Learn more at [Elayne.com](http://Elayne.com)\n\n", "url": "https://www.ycombinator.com/launches/LkE-elayne-ai-estate-planner-executor-for-employees-and-their-families", "votes": 213, "created_at": "2024-08-29T18:52:06.466Z" } ] }, { "id": 29965, "name": "Formula Insight", "slug": "formula-insight", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0d24f87db5131a298b5fd35aba59870c07522d6f.png", "website": "https://www.formulainsight.io/", "all_locations": "New York City, NY, USA", "long_description": "Formula Insight offers Institutional Investors previously inaccessible data. We provide a central repository of financial models so investors can track changes to forecasts, quantify projection accuracy and expedite analysis. This further systematizes the investment process and enables better investment decisions.", "one_liner": "Help Institutional Investors manage, track & query their Excel models", "team_size": 2, "industry": "B2B", "subindustry": "B2B", "launched_at": 1721802502, "tags": [ "Fintech", "SaaS", "B2B", "Workflow Automation", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B" ], "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/formula-insight", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/formula-insight.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/formula-insight/", "x_url": "https://x.com/FormulaInsight", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0d24f87db5131a298b5fd35aba59870c07522d6f.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": 2084024, "full_name": "Will Tong", "title": "Founder/CEO", "founder_bio": "Co-Founder and CEO of Formula Insight. Will brings a decade of financial expertise to the role. He spent the past 4 years in public equities investing, most recently managing a healthcare equities portfolio at Citadel. In 2022, Will distinguished himself as a top 5 equity analyst within Citadel's Global Equities division.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/will-tong-04046a162/", "x_url": "https://x.com/yingertong", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ea8aeb942c82947344c2ef87f60ddadcaab08f21.jpg" }, { "user_id": 550721, "full_name": "Stefan Raghavan", "title": "Founder/CTO", "founder_bio": "Co-Founder and CTO at Formula Insight. Background in building complex engineering systems, specializing in rockets and drones, most recently at SpaceX and Zero Aviation.\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/stefan-raghavan-957204a1/", "x_url": "https://x.com/stefanraghavan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5a9fa9d5dddf245fe63fd1cc7a2ae1a6cadf6355.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 85848, "title": "Formula Insight: An Equity Research Platform that Analyzes Complex Excel Models", "tagline": "Expedites research by providing analysis in minutes to help investors gain an edge in the public markets.", "body": "**tl;dr**\n\nAt Formula Insight, we’re launching our new equity research platform. It’s integrated with FactSet data and designed by a former Citadel investor and SpaceX engineer. Institutional investors use spreadsheets to manage billions of dollars for investments. However, key insights are lost when connecting the dots between complex Excel financial models with millions of cells and across hundreds of SEC filings, management transcripts, and research papers. \n\nFormula Insight expedites the research process by analyzing these critical documents in minutes to help investors gain an edge in the public markets.\n\n\n\n**The Problem**\n\nFinancial models in Excel are the backbone of every investment thesis. Still, the workflow between financial model analysis and other key research documents has been separate. Critical details are missed when drawing inferences between Excel data and paper documents, and the work to build the fact pattern for investment decisions is inefficient.\n\n**The Solution**\n\nUsers can accurately search through millions of cells and build the fact pattern within internal financial Excel models, all down to granular KPIs for custom benchmarking. They can also plot financial projections against consensus estimates and draw inferences across hundreds of documents, including transcripts and filings. All answers have source document references and are housed within a secure environment, ensuring that sensitive information remains protected.\n\nSign up [here](https://fwotrcm808u.typeform.com/to/cYqIrmWn) to get access.", "url": "https://www.ycombinator.com/launches/MKe-formula-insight-an-equity-research-platform-that-analyzes-complex-excel-models", "votes": 11, "created_at": "2024-11-28T16:30:35.284Z" } ] }, { "id": 29967, "name": "Village Labs", "slug": "village-labs", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b437f74d1da9b456b7203c06d57c8eae2c1fa858.png", "website": "https://villagelabs.app/", "all_locations": "New York City, NY, USA", "long_description": "At Village Labs, we help America's businesses become employee owned by helping them set up and manage an employee stock ownership plan (ESOP). \r\n\r\nESOPs are a federal retirement plan that enable businesses to give their employees a stake in the company in exchange for significant tax benefits. \r\n\r\nWith 2.9M Baby Boomer business owners set to retire in the coming years, there's a growing \"Silver Tsunami\" of businesses across the country in search of new ownership. For many of these owners, selling to their employees is a socially-minded yet financially pragmatic solution.\r\n\r\nBy selling ownership of their business to an ESOP, owners get a fair price, tax benefits, and the satisfaction of knowing their employees and legacy will be taken care of — things not guaranteed with traditional buyers like private equity. In turn, employees retain their jobs and get shares in the business that can help them create life changing wealth by the time they retire — imagine an office secretary retiring as a millionaire. \r\n\r\nThousands of businesses across America like Bob's Red Mill, Harpoon Brewery, and Recology already have an ESOP, benefiting over 14 million workers and creating 2.1 trillion in employee wealth. We're excited about the opportunity to massively grow these numbers by making it simple for every business to become employee owned. \r\n", "one_liner": "Helping America's businesses become employee owned", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1725498040, "tags": [ "Fintech", "Human Resources" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B", "Human Resources" ], "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/village-labs", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/village-labs.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/village-labs-coops", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b437f74d1da9b456b7203c06d57c8eae2c1fa858.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/cc250db4889d31f529f66544d1dbc2c64e78dc02.png" ], "primary_partner": null, "founders": [ { "user_id": 534449, "full_name": "Roger Cawdette", "title": "Founder/CEO", "founder_bio": "I'm the co-founder & CEO at Village Labs where we're building software for ESOPs. Our hope is that by creating great products and technology for ESOPs, we’ll be able to expand employee ownership across America.\n\nBefore this, I co-founded Finary (YC W21) where we were building a social network for the stock market (before WallStreetBets went viral!). I studied Technological & Social Innovation at Harvard and left after my sophomore year to do YC.", "is_active": true, "linkedin_url": "https://linkedin.com/in/rogercawdette", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/be69d3d9af7fe01ea77512f9be7a6ed6368eb9a3.jpg" }, { "user_id": 954558, "full_name": "Turja Chowdhury", "title": "Founder/CTO", "founder_bio": "Co-founder and CTO @ Village Labs", "is_active": true, "linkedin_url": "https://linkedin.com/in/tchowd", "x_url": "https://twitter.com/tchowd_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8d06761d9619ea2b2b3662d2ae2d556c28e780c7.jpg" } ], "jobs": [], "news": [ { "title": "13 companies from YC Demo Day 1 that are worth paying attention to | TechCrunch", "url": "https://techcrunch.com/2024/09/25/13-companies-from-yc-demo-day-1-that-are-worth-paying-attention-to/", "date": "Sep 25, 2024" } ], "launches": [ { "id": 83814, "title": "Village Labs - We help America’s businesses become employee owned", "tagline": "We do this by helping businesses set up and manage an employee stock ownership plan, also known as, an ESOP.", "body": "![uploaded image](/media/?type=post&id=83814&key=user_uploads/534449/8b9ac73e-4230-4b71-bce0-a8ab4dbd1fb8)\n\n\\\nHello YC community & world,\\\n\\\nIt’s an exciting time! Turja and I are building [Village Labs](https://villagelabs.app/), a new firm that helps businesses become employee-owned by helping them set up and manage an employee stock ownership plan (ESOP).\\\n\\\nESOPs are federal retirement plans that enable companies to give their employees shares in the business in exchange for major tax benefits. They are NOT stock option plans, and no, we are NOT doing cap table management!\\\n\\\n**EMPLOYEE OWNERSHIP WILL BE BIG**\\\nThere are currently about 6,000 companies with an ESOP across the country — the popular names include Publix Supermarkets, Harpoon Brewery, and Recology (the maker of those black, blue, and green trash bins you see on every street in SF).\\\n\\\nEmployee ownership has been around for decades in America, but there’s going to be an explosion in the number of employee-owned businesses that are created in the next few years. There are a couple of reasons for this:\n\n1. **The Silver Tsunami:** 2\\.9M Baby Boomer business owners are going to sell their businesses in the next few years. Many of them will sell to their employees because they get a fair price, tax benefits, and the comfort of knowing their employees will be taken care of - things not guaranteed by traditional buyers like private equity.\n2. **Government support**: Congress and state legislatures are passing more legislation to encourage the creation of ESOPs. This largely looks like more tax benefits for ESOP businesses and owners who sell to an ESOP.\n3. **Mainstream awareness**: There’s been a surge in awareness of employee ownership in the last few years because of new press coverage. See: [Pete Stavros on 60 Minutes](https://www.cbsnews.com/news/private-equitys-unlikely-champion-for-giving-workers-a-leg-up-with-employee-ownership-60-minutes-transcript/), [Blackstone announcing its employee ownership initiative](https://www.wsj.com/finance/blackstone-to-grant-equity-to-most-employees-in-future-u-s-buyouts-3c5fed45), [major businesses announcing becoming employee owned.](https://www.wsj.com/articles/room-board-sets-up-employee-stock-ownership-plan-giving-workers-a-stake-6d214864)\n\n\\\n**WHAT IS VILLAGE LABS DOING?**\\\nAt Village Labs, we’re setting out to help create as many employee-owned businesses as possible. In terms of what we do, we help owners sell to their employees via an ESOP and then provide them with the tools they need to manage their plans. \\\n\\\n**HOW YOU CAN HELP**\\\nMost business owners don’t know that selling to their employees is an option (and one that commonly comes with the most financial benefits). We’re working to change that by building a nationwide network of partners with close connections to the many Boomer business owners who will retire soon. We work with these partners to educate owners on selling to their employees.\\\n\\\nIf you’d like to help, you could introduce us to…\n\n* Owners and executives at mid-sized businesses with 20+ employees and stable cash flows\n* Business brokerage firms (e.g. Transworld, Sunbelt Brokers, etc.)\n* Exit/estate planning firms + wealth managers\n\nAnd if you happen to be one of these, we’d love to talk to you.\n\n\\\n**WHY WE’RE EXCITED ABOUT EMPLOYEE OWNERSHIP**\\\nThe short answer is that being employee-owned is just a better way of doing business.\\\n\\\nHere’s the story of CHI Overhead Doors, a garage door manufacturer in rural Illinois. They’re not an ESOP, but their story highlights what makes employee ownership so awesome.\\\n\\\n[ ](https://www.youtube.com/watch?v=xJiugz-QPSA)\n\\\nThis isn’t an isolated, one-off thing. There are many stories out there of businesses that benefited from becoming employee-owned - and we’ve seen them personally. Turja and I have been on the road for a lot of YC this summer, visiting employee-owned businesses in places like Portland, Tuscon, and other cities across the country. One of the main things you notice is that the employees are noticeably happier, and the quality of service is excellent - likely because the employees have ownership in the business and, therefore, an incentive to see it succeed. It’s the same reason we, as founders, give shares to our employees.\\\n\\\nConsidering 70% of Americans [don’t like their jobs,](https://www.gallup.com/workplace/468233/employee-engagement-needs-rebound-2023.aspx?stream=science) and \\~50% [have no retirement savings](https://usafacts.org/data-projects/retirement-savings), we think widespread employee ownership would bring those numbers down. That’s why our goal is to create as many employee-owned businesses as possible. That means more people who enjoy their jobs, more retirement savings, and a more productive economy.\\\n\\\nAgain, most people don’t know that employee ownership is a thing, but wouldn’t we all be better off if they did? If you’d like to help us with this or are just curious to learn more, please do reach out!\\\n\\\nThanks for reading!\\\n\\\n\\-Roger & Turja", "url": "https://www.ycombinator.com/launches/Lnq-village-labs-we-help-america-s-businesses-become-employee-owned", "votes": 18, "created_at": "2024-09-06T14:07:41.797Z" } ] }, { "id": 29973, "name": "Arva AI", "slug": "arva-ai", "former_names": [ "Tarit AI", "Arva AI", "Arva" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ae299aabd083b7f6ae2fc0bfa29903e922b33af.png", "website": "https://www.arva.ai", "all_locations": "New York City, NY, USA", "long_description": "Arva AI is a Google backed research company deploying AI Agents for critical banking operations with industry-leading accuracy, from financial crime compliance to lending. Combining proprietary models with adaptive decisioning infrastructure, Arva enables large banks and financial institutions to automate high-risk decisions with greater consistency, effectiveness and control. Always hiring.", "one_liner": "AI for critical banking operations", "team_size": 20, "industry": "B2B", "subindustry": "B2B", "launched_at": 1721196993, "tags": [ "Fintech", "B2B", "Compliance", "Regtech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B" ], "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/arva-ai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/arva-ai.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/arva-ai/", "x_url": "https://x.com/arva_ai", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/arva-ai", "github_url": "https://github.com/Arva-AI", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ae299aabd083b7f6ae2fc0bfa29903e922b33af.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2eede75e26cb5f20ad98e60d0c5abbde05624639.png" ], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 527003, "full_name": "Rhim Shah", "title": "Founder/CEO", "founder_bio": "Formerly led the FinCrime product team at Revolut Business and multiple product teams at Jobandtalent. Prior to that an APM intern at Google. Studied Engineering at the University of Oxford.", "is_active": true, "linkedin_url": "https://linkedin.com/in/rhim-shah", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/560201fdbc53ae709c42ebe943c4888d076e5e7a.jpg" }, { "user_id": 880508, "full_name": "Oli Wales", "title": "Founder/CTO", "founder_bio": "Formerly lead product engineer at Opvia (YC S20), before that a full-stack engineer at Iventis, Chimnie and The Trade Desk. Studied Computer Science at the University of Cambridge.", "is_active": true, "linkedin_url": "https://linkedin.com/in/oliverfwales", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/58517dc8081e6d7ecd4040bf285d2d77cd205ed1.jpg" } ], "jobs": [ { "id": 73892, "title": "Senior Full-Stack Product Engineer", "url": "https://www.ycombinator.com/companies/arva-ai/jobs/OBPwCiU-senior-full-stack-product-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£70K - £110K GBP", "equity_range": "0.10% - 0.30%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Node.js", "React", "React Native", "TypeScript", "Machine learning" ] }, { "id": 89529, "title": "AI Research Engineer", "url": "https://www.ycombinator.com/companies/arva-ai/jobs/Bl0vCFF-ai-research-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "£80K - £120K GBP", "equity_range": "0.10% - 0.30%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Node.js", "React", "TypeScript", "Machine Learning", "Machine learning" ] }, { "id": 89530, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/arva-ai/jobs/VWRDWCW-forward-deployed-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£80K - £110K GBP", "equity_range": "0.10% - 0.30%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Node.js", "React", "TypeScript", "Machine Learning", "Machine learning" ] }, { "id": 89533, "title": "Head of Product", "url": "https://www.ycombinator.com/companies/arva-ai/jobs/64KMXaR-head-of-product", "location": "London, England, GB", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "£90K - £130K GBP", "equity_range": "0.40% - 0.70%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 95681, "title": "Strategic Customer Success", "url": "https://www.ycombinator.com/companies/arva-ai/jobs/Kb5XukH-strategic-customer-success", "location": "London, England, GB", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "£50K - £75K GBP", "equity_range": "0.05% - 0.20%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 97562, "title": "Enterprise Account Executive", "url": "https://www.ycombinator.com/companies/arva-ai/jobs/XlzAjf0-enterprise-account-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$150K - $230K", "equity_range": "0.10% - 0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 107627, "title": "Head of Research", "url": "https://www.ycombinator.com/companies/arva-ai/jobs/bPPv8fg-head-of-research", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Engineering manager", "salary_range": "£130K - £180K GBP", "equity_range": "0.25% - 0.75%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "ML", "TypeScript", "AI Agents" ] } ], "news": [ { "title": "Arva AI secures $3m in Google-led funding to enhance KYB and AML automation - FinTech Global", "url": "https://fintech.global/2025/01/16/arva-ai-secures-3m-in-google-led-funding-to-enhance-kyb-and-aml-automation/", "date": "Jan 16, 2025" }, { "title": "\tGoogle's early-stage AI fund invests in KYB verification startup Arva AI", "url": "https://www.finextra.com/newsarticle/45323/google-fund-invests-in-kyb-verification-startup-arva-ai", "date": "Jan 16, 2025" }, { "title": "KYB verification startup Arva AI raises $3M", "url": "https://www.axios.com/pro/fintech-deals/2025/01/14/kyb-verification-startup-arva-ai-3-million", "date": "Jan 14, 2025" }, { "title": "Arva AI demos at Finovate main stage", "url": "https://www.businesswire.com/news/home/20250114118015/en/Finovate-Announces-First-Wave-of-Demo-Companies-for-FinovateEurope-2025", "date": "Jan 12, 2025" } ], "launches": [ { "id": 82926, "title": "Arva AI — AI agents for instant global KYB onboarding", "tagline": "We make onboarding onto a bank/fintech as a business 100x faster and significantly cheaper.", "body": "# **✨ TL;DR**\n\n[Arva AI](https://arva-ai.com) ([LinkedIn](https://www.linkedin.com/company/arva-ai/)) makes onboarding onto a bank/fintech as a business 100x faster and significantly cheaper. We've built a highly compliant AI agent that instantly handles all low/medium risk manual KYB work in real-time as a customer is onboarding, cutting reviews to seconds and ops spend by 80%.\n\n# **❌ The Problem**\n\nWhen a business onboards with a bank or fintech, a human analyst has to conduct manual verification over 40% of the time.\n\n**Why is this human review stage a problem?**\n\n* Longer onboarding times cause drop-off from the onboarding funnel (in some cases, up to 50%!). This is a huge revenue loser.\n* Large operational overheads to run compliance teams— usually in the millions for large fintechs.\n* Humans make mistakes and deviate from procedure.\n\n# **💡 Enter Arva AI**\n\nArva AI’s agents completely replace human analysts, resulting in instant onboarding for low/medium-risk cases. Arva is a modular solution that can combine with preexisting compliance stacks or completely replace them as an end-to-end platform.\n\nArva is capable of conducting advanced web due diligence on a business entity, document verification, fraudster checking, handling the back and forth with customers, and much more.\n\n![uploaded image](/media/?type=post&id=82926&key=user_uploads/527003/684e6818-ad6c-4495-8ae3-876bda10813a)\n\n**See it in action**\n\n\n\n# **🙏 Asks**\n\nIf you’re a fintech who has to conduct KYB onboarding, we’d love to discuss how we can make your onboarding times 100x faster and save you a bunch of money in the process. Book a demo [here](https://calendar.app.google/tBcxQvpgYmeymkveA), or drop us an email: [rhim@arva-ai.com](mailto:rhim@arva-ai.com). Or if you’re connected to the fintech space and there is someone you can introduce us to, please reach out!\n\n# **🦸 The team**\n\nWe’re Rhim (Oxford MEng) and Oli (Cambridge BSc), and we’ve been building products together for a while!\n\n* [Rhim](https://www.linkedin.com/in/rhim-shah/) (CEO) formerly led the FinCrime product team at Revolut Business, where he saw the extent of the manual workload during business onboarding. He also led multiple product teams at Jobandtalent. Prior to that, he was an APM intern at Google.\n* [Oli](https://www.linkedin.com/in/oliverfwales/) (CTO) was formerly the lead product engineer at Opvia (YC S20). Before that, he was a full-stack engineer at Iventis, Chimnie, and The Trade Desk.\n\n![uploaded image](/media/?type=post&id=82926&key=user_uploads/527003/ff6e2714-bf7a-4743-983d-94ef0a4f7ce6)\n\n", "url": "https://www.ycombinator.com/launches/LZW-arva-ai-ai-agents-for-instant-global-kyb-onboarding", "votes": 44, "created_at": "2024-08-12T15:11:03.797Z" } ] }, { "id": 29987, "name": "Syntra", "slug": "syntra", "former_names": [ "Lightning Medical" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a6d299272e28e28fc0eef5034541be246b698d0b.png", "website": "https://www.syntra.com", "all_locations": "San Francisco, CA, USA", "long_description": "Syntra’s mission is to make healthcare faster, starting with healthcare payments.\r\n\r\nSyntra Autonomous, our first product, automates pre-bill chart review, claim review, and submission.\r\n\r\nIn the 12 months since launch, Syntra Autonomous has processed more than 1 million patient encounters and over $200 million in insurance collections across hundreds of practice locations nationwide.\r\n\r\nIf you’re interested in building toward infinitely fast healthcare, reach out!", "one_liner": "Faster healthcare payments ", "team_size": 10, "industry": "Healthcare", "subindustry": "Healthcare -> Healthcare IT", "launched_at": 1723733582, "tags": [ "FinOps", "Fintech", "Healthcare IT", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Healthcare", "Healthcare IT" ], "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/syntra", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/syntra.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/104475652/", "x_url": "https://x.com/SyntraSystems", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a6d299272e28e28fc0eef5034541be246b698d0b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/d4a676d9f1d47885adf6d5d0e839d335e03d2198.png" ], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 981289, "full_name": "Ayush Jain", "title": "Founder/CEO", "founder_bio": "Ayush is the co-founder and CEO of Syntra.\n\nBefore Syntra, Ayush was awarded the Goldwater Scholarship for his work on using EHR Data to simulate clinical trials. He studied Computer Science and Chemistry at Duke University where he first-authored papers in international AI + Healthcare conferences, featuring his work at the Broad Institute of MIT and Harvard and Duke AI Health.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ayushaadijain/", "x_url": "https://x.com/ayushaadijain", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ec1cdee81f66ae39db32aac01b4d9dd9151d4991.jpg" }, { "user_id": 1795464, "full_name": "Aniketh Kolla", "title": "Founder/CTO", "founder_bio": "Aniketh is the co-founder and CTO of Syntra.\n\nBefore Syntra, Aniketh was studying Mathematics and Computer Science at Duke University. He has presented several papers at national conferences and was the lead engineer responsible for scaling an app from 0 to 8 million users.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/anikethkolla/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/497983f130791bf18f129353f8ed852f82d6c679.jpg" } ], "jobs": [ { "id": 96313, "title": "Healthcare Enterprise Full Cycle Account Executive", "url": "https://www.ycombinator.com/companies/syntra/jobs/mghppvZ-healthcare-enterprise-full-cycle-account-executive", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $150K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 96315, "title": "Applied Healthcare AI Engineer ", "url": "https://www.ycombinator.com/companies/syntra/jobs/i6GtpqR-applied-healthcare-ai-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 96316, "title": "Healthcare Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/syntra/jobs/UcI7dSK-healthcare-forward-deployed-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 30055, "name": "RiskCube", "slug": "riskcube", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/93b1b4fbe4b8807a5770f0fad5c76f3b8685dee9.png", "website": "https://riskcube.com", "all_locations": "San Francisco, CA, USA", "long_description": "RiskCube is building the first AI-native reinsurer for emerging risks.\r\n\r\nMission: Building products & services focused on lowering the protection gap for the innovation economy on a national and global scale. \r\n\r\nToday, we operate an insurance brokerage focused on startups in AI, robotics, space, and defense. Through the brokerage, we see firsthand where traditional insurance products fail, from AI liability and autonomous systems to defense technology and new space risks.\r\n\r\nWe are now building proprietary risk models that can price risks even when little historical claims data exists. Our approach uses stochastic simulation, then applies traditional, explainable models to make the output transparent to underwriters and regulators.\r\n\r\nThis allows us to create new insurance and reinsurance products for emerging industries much faster than traditional carriers.\r\n\r\nThe U.S. insurance market still relies heavily on foreign reinsurance capacity.\r\nOur goal is to build new reinsurance capacity on American soil for the industries defining the next generation of the U.S. economy, while reducing America's dependence on foreign reinsurance capacity.\r\n", "one_liner": "The new American reinsurance company.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1731782052, "tags": [ "Fintech", "Insurance", "Defense", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/riskcube", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2024/riskcube.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/riskcube", "x_url": "https://x.com/riskcube_ai?s=11", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/93b1b4fbe4b8807a5770f0fad5c76f3b8685dee9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 1675952, "full_name": "Andrei Craciunescu", "title": "Founder/CEO", "founder_bio": "Andrei, Founder & CEO. Previously in Risk & Analytics at WTW (Willis Towers Watson) & MunichRE. He holds an M.Sc. in Mathematics from LMU Munich and conducted PhD-level research in financial mathematics at the Technical University of Munich (TUM). Licensed insurance broker. Based in San Francisco. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrei-craciunescu/", "x_url": "https://x.com/andreicscu", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8aef2306e2a2081a9fa3f32aac98c85b7259aefc.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 105788, "title": "RiskCube - AI insurance brokerage for startups", "tagline": "Top-rated insurance to close enterprise deals & gov contracts for AI, Space & Defense startups", "body": "Hey everyone[ 👋](https://emojipedia.org/waving-hand)\n\nI’m[ ](https://www.linkedin.com/in/jeilani)[Andrei](https://www.linkedin.com/in/andrei-craciunescu/) - founder of[ ](https://www.brickwiseai.com/)[RiskCube](https://riskcube.com)\n\n# **TL;DR**\n\n**When startups sell to enterprise customers — especially regulated businesses — insurance is often required before the deal can close. Procurement teams ask for proof of top-rated insurance before they sign. Traditional broker take weeks, which can slow down or kill the deal.**\n\n# **RiskCube helps founders get covered fast, with proof of coverage ready within 24 hours.**\n\n[RiskCube Introduction](https://youtu.be/eW4smKBySzo)\n\n**Why This Problem Exists**\n\nI built RiskCube after watching this happen repeatedly at WTW, one of the world's largest insurance brokers. When a startup tries to get top-rated insurance for something new — AI, data centers in space, defense tech, or space in general — most insurers either say no, take too long, or add exclusions.\n\nWhy?\n\n* Little claims history for brand-new technology risks\n* Insurers don't understand the product, so they exclude everything unfamiliar\n* Big traditional insurance provider with expertise are built for big companies, not a startup closing its first Fortune 500 deal\n\nThe result: the wrong coverage, delayed deals, or lost deals entirely.\n\n**How It Works**\n\n1. **Tell us about your business** — a short form so we understand your company, customers, contracts, and risk profile.\n2. **We search the market** — our AI reviews policies from 40+ rated insurers into a clear side-by-side comparison, and a licensed agent with deep risk expertise checks the coverage before you buy.\n3. **Get your COI and close the deal** — choose your coverage, receive your Certificate of Insurance, and send proof to your customer or procurement team.\n\n**Real Results**\n\nOne of our first YC customers cut insurance costs by 60%, got higher coverage limits than before, and became enterprise-ready in 4 hours.\n\n**About the founder**\n\nI'm Andrei, Founder & CEO. Previously in Risk & Analytics at WTW (Willis Towers Watson). Master in Mathematics from LMU Munich and PhD-level research in financial mathematics at TU Munich. Licensed insurance broker. Based in San Francisco.\n\nInvestors — want the same service for your portfolio companies? Reach out directly.", "url": "https://www.ycombinator.com/launches/RWG-riskcube-ai-insurance-brokerage-for-startups", "votes": 3, "created_at": "2026-07-14T21:12:20.809Z" } ] }, { "id": 30106, "name": "Sunset", "slug": "sunset", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f12c028442a35e9f801fbe4707f0761febda2eb5.png", "website": "https://www.hellosunset.com/", "all_locations": "Salt Lake City, UT, USA", "long_description": "Sunset can track down bank accounts, retirement accounts, investment accounts, property and more for families after losing a loved one. Sunset will close those accounts and move the money into a Sunset estate account to manage.", "one_liner": "Find and move money after a death", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1729742505, "tags": [ "Fintech", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/sunset", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2024/sunset.json", "year_founded": 2024, "city": "Salt Lake City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/sunset-estate-app/", "x_url": "https://x.com/SunsetEstateApp", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f12c028442a35e9f801fbe4707f0761febda2eb5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1848297, "full_name": "Stephen Walter", "title": "Founder/CEO", "founder_bio": "https://www.sunsetapp.com/", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/stephen-walter-sunset/", "x_url": "https://x.com/stephen_walter", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0a1612b72b6066143fc44ab550dc03519c0e449b.jpg" }, { "user_id": 1850513, "full_name": "Kaela Worthen", "title": "Founder/CTO", "founder_bio": "Cofounder of Sunset, finding and moving funds after you lose a loved one. Previously cofounded Paintbrush, Imzy, worked at Podium, Reddit. Mostly a product person with some engineering, UX, data science, and a bit everything else mixed in.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kaelaworthen/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/59b0156bffb01d6e066e1162d6b521a7f3074019.jpg" } ], "jobs": [], "news": [ { "title": "The families you serve may not know of existing life insurance policies — Sunset can help | Funeral Director Daily", "url": "https://funeraldirectordaily.com/the-families-you-serve-may-not-know-of-exiting-life-insurance-policies-sunset-can-help/", "date": "Jul 14, 2026" }, { "title": "Most banks fail miserably at helping grieving families make this vital financial move", "url": "https://www.marketwatch.com/story/most-banks-fail-miserably-at-helping-grieving-families-make-this-vital-financial-move-66831e97?mod=beth-pinsker", "date": "Feb 26, 2026" } ], "launches": [ { "id": 85226, "title": "Sunset - Find and Secure Money After a Death", "tagline": "Use Sunset to fund a retirement account after losing a loved one.", "body": "Finding and closing the accounts of a loved one can take months—often years—and hundreds of hours of work. Most people have to do that while grieving, but now Sunset does it for you.\\\n\\\n[https://youtu.be/LiYhdOZJyMY](https://youtu.be/LiYhdOZJyMY%EF%BF%BC%EF%BF%BCWe)\n\nWe launched a beta version a few months ago and are now releasing our web app and a huge new feature set of account discovery, including:\\\n\\\n-**Bank Accounts:** Checking, savings, CDs, etc.\n\n\\-**Retirement Accounts:** 401k, IRA, annuity, etc.\n\n\\-**Debts:** Mortgage, personal loans, credit cards, etc.\n\n\\-**Real Estate & Vehicles:** Personal and investment\n\n\\-**Investment Accounts:** Mutual funds, index funds, stocks, bonds, etc.\n\n\\-**And More:** Life insurance, unclaimed property, business ownership, HSA accounts, etc.\n\n**How does it work?**\n\nWe search public and private databases, including financial reporting from banks, investment funds, the IRS, and more. Once we’ve confirmed a match with the deceased, we automate the closure and move the funds into a retirement account for our customers.\n\n**How do we charge?**\n\nSunset is free to use for our customers. We earn interest on the deposits while they sit with us, so we make some money in the process. We felt this model aligned our incentives with the customer: _be fast and get all of it_.\n\n**Personal Experience**\n\nAfter my father-in-law passed away, the family asked me to take over the financial closure process. So, I’ve personally been through this the hard way. If I can help anyone, my inbox is open: [support@sunsetapp.com](mailto:support@sunsetapp.com).\n\n**Get Started**\n\nIf you’ve lost a loved one, or know someone who could use our services, you can visit our site at .\n\n![uploaded image](/media/?type=post&id=85226&key=user_uploads/89898/153720cb-4b6b-4a0e-9348-2e85b9b8effe)\n\n", "url": "https://www.ycombinator.com/launches/MAc-sunset-find-and-secure-money-after-a-death", "votes": 105, "created_at": "2024-11-01T18:55:30.033Z" } ] }, { "id": 30192, "name": "Axiom", "slug": "axiom", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ffbe7a826e30d31bb15e11d521be0059beb3f81.png", "website": "https://axiom.trade", "all_locations": "Austin, TX, USA", "long_description": "Axiom is the trading platform for decentralized finance and currently offers memecoins, perpetuals, and yield. Since launch we've hit 10M MRR and 5M monthly net profit.", "one_liner": "Trade memecoins, perpetuals, and earn yield.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1738295687, "tags": [ "Fintech", "Crypto / Web3", "Consumer Finance", "Trading" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/axiom", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/axiom.json", "year_founded": 2024, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/joinaxiom", "x_url": "https://x.com/AxiomExchange", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ffbe7a826e30d31bb15e11d521be0059beb3f81.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1601203, "full_name": "Henry Zhang", "title": "Founder/CEO", "founder_bio": "CEO @ Axiom. Graduated at 20 with 1 exit, excited by all things crypto!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/henryzhang03/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8cacbcaaaf2e54c4c8ecf9c465eb51f714a64c67.jpg" }, { "user_id": 1550170, "full_name": "Preston Ellis", "title": "Founder/CTO", "founder_bio": "Building consumer applications in crypto!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/preellis/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9008051d00c3cdb6f20467bede25a190f103a1cd.jpg" } ], "jobs": [ { "id": 73476, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/PYj0leR-founding-engineer", "location": "Austin, TX, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $500K", "equity_range": "0.50% - 1.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Node.js", "PostgreSQL", "Rust", "TypeScript", "Distributed Systems", "Blockchain", "Next.js" ] }, { "id": 104822, "title": "Rust Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/NMcjyK7-rust-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 104823, "title": "Full Stack Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/LhoB2Q3-full-stack-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 104824, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/lm7xFvA-backend-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 104825, "title": "Frontend Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/GNTewkz-frontend-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 104826, "title": "Systems Engineer", "url": "https://www.ycombinator.com/companies/axiom/jobs/fZ9O8AX-systems-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$320K - $465K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 87688, "title": "Axiom - The Gateway to DeFi", "tagline": "Trade any asset on any chain, all under 1 account.", "body": "**TL;DR:** Axiom is building the first platform that lets anyone trade anything in DeFi.\n\n**The Problem:**\n\n* People in crypto focus too much on the tech rather than the user experience.\n* There are too many protocols and chains.\n* For every new chain and asset, you need to sign up and manage a different account/app.\n\n**The Solution:**\n\nAxiom is building the first app that lets you trade any asset on any chain, with all the technicalities abstracted away. No longer do you have to bridge, swap, manage all your assets through 5 different apps.\n\n\n\n**Our Ask**\n\nIf you know any crypto influencers, KOLs, high volume traders, please connect us! Can DM @Mist_Axiom on Telegram.\n\n**The Team**\n\n[Henry](https://www.linkedin.com/in/henryzhang03/) - Previously worked at TikTok building generative AI for ads. Graduated in 2 years while building 2 startups full-time with 1 exit.\n\n[Preston](https://www.linkedin.com/in/preellis/) - Previously interned at Doordash, studying EECS at UC Berkeley. Had 1 exit in undergrad.", "url": "https://www.ycombinator.com/launches/MoK-axiom-the-gateway-to-defi", "votes": 43, "created_at": "2025-02-14T01:49:59.488Z" } ] }, { "id": 30200, "name": "Karoo", "slug": "karoo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0325dd0445e6e32c47cab4c3ffeb0610307557e0.png", "website": "https://www.karoo.ca", "all_locations": "Toronto, ON, Canada", "long_description": "US consumers within the risk appetite of prime lenders are served by the most competitive and efficient consumer lending marketplace globally. However, once you fall outside of this as a borrower, market efficiency breaks down and incumbents take advantage of low levels of competition to price gouge. We're fixing this.", "one_liner": "AI native consumer lending platform for underserved Americans", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1736890224, "tags": [ "Fintech", "Consumer", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "Canada", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/karoo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/karoo.json", "year_founded": 2024, "city": "Toronto", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/karoo-ca/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": "https://github.com/karoo-ca", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0325dd0445e6e32c47cab4c3ffeb0610307557e0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1867063, "full_name": "Jeanot Dawson", "title": "Founder/CEO", "founder_bio": "CEO of Karoo, previously Head of US Loans at Lendable", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jeanot-dawson-67191b17?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7105ad5f6d69fbd05caa6ba2e41204a228c1c84e.jpg" }, { "user_id": 2202197, "full_name": "Hugo Markland", "title": "Founder", "founder_bio": "Chief Capital Officer of Karoo\nEarly stage employee at Lendable and led UK capital markets - raised bns of funding ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hugo-markland-cfa-712409125/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aa75d2bbbc010012b81bf99996a9b01aeba00ca8.jpg" }, { "user_id": 1876466, "full_name": "Oliver Lambson", "title": "Founder/CTO", "founder_bio": "CTO of Karoo. 0 lines of code to first loan in 45 days.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oliverlambson/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b959c901b74523ac18f1436688834a1709ca2e32.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 30235, "name": "Rally", "slug": "rally-3", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0c91984bb2308087803ae4f30c937c29f1d60e46.png", "website": "https://www.getrally.com/", "all_locations": "Berlin, Berlin, Germany", "long_description": "Rally is a financial platform for businesses that operate vehicle fleets. We're starting in Europe, where over €1 trillion is spent annually on fuel, charging, maintenance, and other fleet expenses - most of it still running on legacy networks built in the 1960s.\r\n\r\nWe set a new standard for fleet finance by streamlining payments and automating workflows across bookkeeping, credit, and driver payroll, helping real-world businesses like delivery services, construction crews, and service technicians stay in control and operate efficiently.", "one_liner": "Financial OS for Modern Fleets", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1739666420, "tags": [ "Fintech", "Logistics", "Transportation", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Germany", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/rally-3", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/rally-3.json", "year_founded": 2025, "city": "Berlin", "country": "DE", "linkedin_url": "https://www.linkedin.com/company/rally-fintech", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0c91984bb2308087803ae4f30c937c29f1d60e46.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 642337, "full_name": "Nick Telecki", "title": "Founder/CEO", "founder_bio": "CEO Rally. 2x Founder. Previously built a delivery startup, scaling it to $3M ARR in 1 year. Managed global strategy at Delivery Hero across 50+ markets. Bring a decade of experience across finance, tech and logistics.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nick-telecki", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dd1d6e96210a8b78f3081226311982266bf86624.jpg" }, { "user_id": 2022803, "full_name": "Thiago Peres", "title": "Founder/CTO", "founder_bio": "CTO Rally. 2x founder, ex-PM lead at Stripe, Meta, Booking and supply chain tech (project44). CS dropout. Acquired by biggest e-commerce in LATAM at 22yo. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thiagoperespm/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/308e77e48c1dc7634f6da989c4b8538f7af2a02e.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 30239, "name": "Cardamon", "slug": "cardamon", "former_names": [ "Openwealth" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a3e4d26d964f7e9e8a081b6c3ec2ddad6bb65119.png", "website": "https://cardamon.ai/", "all_locations": "London, England, United Kingdom", "long_description": "Cardamon is an AI powered platform that ingests relevant regulation, understands what applies to each regulated financial firm, and gets compliance officers from regulation, to obligations, to product requirements in minutes - not weeks.\r\n\r\nFinancial firms face a host of complex regulations that make it incredibly painful to launch and maintain products in a compliant way. As a Product team at Revolut, we felt this pain deeply ourselves - we had products ready to launch but stuck in compliance limbo, often for weeks. Turns out, getting compliant took as long as building the product itself. \r\n\r\nFrustrated, we dug in and were shocked by how manual and inefficient the processes were. That’s when it clicked: there’s a huge opportunity to automate the boring stuff (and solve our own problem!). Compliance teams win because they ditch the tedious tasks. Product teams win because they ship faster. Everyone’s happy.", "one_liner": "AI compliance co-pilot for regulated financial businesses", "team_size": 11, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1740009565, "tags": [ "Fintech", "Compliance", "Regtech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/cardamon", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/cardamon.json", "year_founded": 2025, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/cardamonai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a3e4d26d964f7e9e8a081b6c3ec2ddad6bb65119.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": 2331736, "full_name": "Areg Nzsdejan", "title": "Founder/CEO", "founder_bio": "Formerly Product Owner at Revolut leading Diversified Assets & Engagement teams, managing 14 engineers and launching ETFs, EU stocks and Bonds to millions of customers. Prior to that worked as a management consultant at Oliver Wyman and studied Mechanical Engineering at Imperial College London. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/areg-nzsdejan-85b894a1/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9f7fd47f8c5c4f18d388ea21bff8166ba6399e9e.jpg" }, { "user_id": 2391897, "full_name": "Dmytro Astakhov", "title": "Founder/CTO", "founder_bio": "Formerly Senior Software Engineer at Revolut leading development of ETFs and EU stocks to millions of customers. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dmytro-astakhov", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c4034a64643b890ed1279beeeb6d8f2690f0f651.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 87846, "title": "Cardamon: Launch regulated products 10X faster by automating regulatory compliance with AI", "tagline": "AI powered regulatory mapping platform - getting you from regulation to product requirements in minutes", "body": "# **TL;DR**\n\n[Cardamon](https://cardamon.ai/) enables regulated financial firms to launch products, enter new markets and stay compliant 10X faster by automating regulatory mapping with AI. We cut the manual and repetitive tasks of sifting through 1000s of pages of regulation and analysing each passage - saving 100s of hours for regulated businesses. Check it out [here](https://youtu.be/EpE27zi-6JI).\n\n**Ask:** If you’re spending time & money trying to figure out what regulations apply, send us a message at [hello@cardamon.ai](mailto:hello@cardamon.ai) - we are already helping several firms cut 100s of hours from regulatory mapping work, enabling them to launch products faster\n\n# **The Problem ❌**\n\nFinancial firms face a host of complex regulations that make it incredibly painful to launch and maintain products in a compliant way. As a Product team at Revolut, we felt this pain deeply ourselves - we had products ready to launch but were stuck in compliance limbo, often for weeks. Turns out, getting compliant took as long as building the product itself.\n\nFrustrated, we dug in and were shocked by how manual and inefficient the processes were. Compliance teams would have to sift through 1000s of pages of different regulations, which they would need to understand, review and transpose into product requirements, controls & policies. These processes today are almost entirely manual, taking up hundreds of hours a year per compliance employee.\n\n# **Our** **Solution ✅**\n\nCardamon is an AI powered platform that ingests relevant regulation, understands what applies to each regulated financial firm, and gets compliance officers from regulation, to obligations, to product requirements in minutes - not weeks. \n\nCompliance officers can select any regulation they want to map to their firm. Cardamon goes through every line and evaluates:\n\n* What is applicable\n* What is an obligation \n* What the impact is\n* What the associated risks types are\n\n \n\nAdditionally, there is the option to generate controls for the obligations and query the underlying regulations with specific questions. \n\n![uploaded image](/media/?type=post&id=87846&key=user_uploads/2331736/d0972346-1b82-4c70-bd3a-1220e3ef8730)\n\nImportantly, compliance officers remain in full control with a host of features enabling them to edit, save and even download the mapping as a CSV.\n\n![uploaded image](/media/?type=post&id=87846&key=user_uploads/2331736/c8ff27c0-3e53-4524-b041-8e002a5aa711)\n\n# **Our ask 🙏**\n\nPlease reach out:\n\n* If YOU are a regulated financial company and want to launch products faster 🙂 - demos can be booked here if you want to jump straight in:  \n* If you know any regulated financial companies (fintechs, crypto firms, investment firms, banks, insurance firms) who want to launch products faster but are slowed down by compliance (pretty much all regulated financial companies!)\n\nYou can ping us on [hello@cardamon.ai](mailto:hello@cardamon.ai) \n\n# **Who we are 🤝**\n\n[Areg](https://www.linkedin.com/in/areg-nzsdejan-85b894a1/) (CEO) and [Dmytro](https://www.linkedin.com/in/dmytro-astakhov/) (CTO) have worked together at Revolut for almost 4 years in the same Investment product team. Areg was a Product Owner, heading up the Diversified Assets and Engagement teams, managing 14 engineers. Dmytro was leading the backend engineering function on these products, building from the ground up. Together they shipped cutting edge investment products to millions of users.\n\n![uploaded image](/media/?type=post&id=87846&key=user_uploads/2331736/556c5a1a-b85c-4b08-81da-c67ffcb9e3b7)\n\n", "url": "https://www.ycombinator.com/launches/Mqs-cardamon-launch-regulated-products-10x-faster-by-automating-regulatory-compliance-with-ai", "votes": 48, "created_at": "2025-02-20T02:05:17.852Z" } ] }, { "id": 30253, "name": "Finbar", "slug": "finbar", "former_names": [ "finbar" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/79a24ae2dbf8c5f1b06b70c124868d6c9383b535.png", "website": "https://finbar.com", "all_locations": "London, England, United Kingdom", "long_description": "Finbar is high-quality financial data and intelligence, used by several of the world's largest hedge funds. It automates financial modelling, research, and data analysis so multi-million-dollar decisions can be made 100x faster.\r\n\r\nFinbar maintains its own dataset of worldwide company filings, presentations, transcripts, and more, delivering clean data from these fundamental sources within minutes of release. This data is available via web, Excel add-in, API, and MCP. \r\n\r\nOur services include: company primers and prebuilt models; AI tools for analysts to create their own research; Excel tools to build financial models in minutes and update them in seconds; API streams to integrate our worldwide data into any programmatic or agentic system.", "one_liner": "Financial intelligence for every investor", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1736618357, "tags": [ "Documents", "Fintech", "Finance", "Workflow Automation" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Edward & Robin have been friends for more than half their lives: King’s Scholars at Eton, undergrads at Oxford, roommates in London. Edward founded **finbar** in 2023 as a solution to the time-consuming ‘grunt’ work of his former hedge fund role, and wrote most of the MVP up to first revenue. Robin joined in 2024 to take the lead on software dev as CTO." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "A huge amount of the financial industry still runs on manual data input: thousands of workers whose job is simply to copy data from documents, build historical time series, and update models by hand. We leverage cutting-edge tech to finally automate this process, delivering more data, faster, and with much lower cost overhead." } ], "url": "https://www.ycombinator.com/companies/finbar", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/finbar.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://linkedin.com/company/fin-bar", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/79a24ae2dbf8c5f1b06b70c124868d6c9383b535.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 2312013, "full_name": "Edward Huang", "title": "Founder/CEO", "founder_bio": "Founder and CEO at finbar. I wrote most of the MVP but now focus product and sales.\nPreviously I was a hedge fund analyst, and before that at Goldman Sachs. CFA charterholder. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/edward-huang-cfa-8807b4149/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/399ff5e879c7c3d086da13fd0c42dc562c78e7ae.jpg" }, { "user_id": 2375293, "full_name": "Robin Gan", "title": "Founder/CTO", "founder_bio": "Co-founder and CTO at finbar.com.\n\nPrevious to this I worked on a globally deployed cloud-native banking platform at Thought Machine.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/robin-gan-180060126", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/256b9b1bb75fa062939d144d53615bd17eec89c2.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 117886, "title": "Finbar: Financial intelligence for every investor", "tagline": "Financial data and AI tools trusted by the world's largest hedge funds", "body": "**Finbar is financial data and intelligence for the AI age.**\n\nWe’re super excited to announce our first public launch. Give us a go if you’re interested in: worldwide company fundamental data (incl. via API/MCP), AI tools for data analysis and investment research, prebuilt models, an Excel add-in for building + updating custom models, and more.\n\n**Get started at [https://finbar.com](https://finbar.com).** Read on if you're interested in how we're differentiated, and why some of the biggest investors in the world rely on us for their research processes.\n\n\n\n**---**\n\nHi! Ed and Robin here, here to announce the first general availability of Finbar. **Our mission is to give every investor (and agent) the best data and tools to conduct high-quality financial research.**\n\n_A brief recap of our journey_. We started with a single product - **reliably updating any financial model within 5 minutes of market release, without any mistakes**. Seems niche? It was - but it meant we could truly stand out to customers, solving a real burning problem that those who haven't worked in hedge funds just don't really 'get'. Over Q2 earnings season, we handled 150,000 model updates, meaning our clients (including several of the world's largest hedge funds) could go into every market-open with all of their models ready.\n\nDeveloping this product turned out to be a problem that seemed simple but actually was fiendishly difficult (not least for the data reasons discussed below). Doing so, however, has meant building some truly unique financial data and infrastructure, which we've since deployed in many other products - and now available to all investors.\n\nTwo key parts to what we do:\n\n**I. We're building the best fundamental financial dataset**\n\nUnderlying everything is our proprietary data. **We collect and ingest millions of documents across thousands of companies worldwide**: reports, presentations, transcripts. You might be surprised this is not a solved problem already. But almost all providers lack at least one of: a) breadth, b) quality, and/or c) speed. All three have been necessary to serve our clients, hence the need to build our own. And yes, we're including players like Factset, S&P and Bloomberg in this (we're often explicitly evaluated against them by our institutional clients).  \n\nSome snippets to illustrate the point:\n\n    1) _The most important fundamental datapoints are often not in 10Qs/10Ks, and rarely in a fully-structured format._ Think segment organic growth in presentation charts, conference call remarks on forward guidance, Pillar 3 banking disclosures, and a million other company-specific datapoints.\n\n    2) _>1/2 of our customers invest outside of the US._ International markets have much less structured data availability than the US, often not even a central repository, and it is where arguably there is more edge from strong fundamental data (these two facts may well be corollary)\n\n    3) _Financial data is exceptionally messy on the tail end_ - which is often also where the insights live. Understanding nuances around restatements, accounting regime changes, mergers and divestments, and all the other insane things companies do to produce messy data (sometimes on purpose) is bread-and-butter in our design. It causes many nights of hair-pulling but is the only way to actually produce great data that investors trust.\n\n**II. We're building the best financial toolkit for the AI age**\n\nUpon this data foundation is a whole range of Finbar products, built on the knowledge and experience of what professional investors actually need. This includes:\n\n* Machine-readable versions of millions of worldwide company documents\n* Fundamental time-series and datapoints on thousands of line items\n* Company primers and financial metadata\n* Prebuilt public company model XLSXs\n* A web platform for AI-automated financial data analysis, modelling, and report-writing\n* An Excel add-in to update any analyst model in seconds, and build any custom model in minutes\n* MCP and APIs to expose our fundamental data to programmatic and agentic users\n\nAnd we already have a long list of items in development with institutional partners, including macro data, supply chains, newsflow, privates and more.\n\n\\---\n\nThere’s still so much more we’ve got planned, but we’re genuinely so excited to start giving every investor the tools they need to make intelligent decisions in the AI age. So thanks for reading, and **head to [https://finbar.com](https://finbar.com) to try us out**. We’re looking forward to your thoughts!", "url": "https://www.ycombinator.com/launches/UfO-finbar-financial-intelligence-for-every-investor", "votes": 3, "created_at": "2026-10-01T14:29:23.427Z" }, { "id": 87042, "title": "finbar: your AI financial data analyst", "tagline": "Eliminate manual data entry. Update financial models in seconds.", "body": "Hi! We’re Ed and Robin, the founders of [finbar](https://finbar.com/).\n\n**Our summary**: **too many analysts across finance still rely on manually collecting and compiling data for their models - we’re here to completely automate that process.** \n\nSeveral multi-billion AUM hedge funds already use us for exactly that - but if you work with financial data in any capacity, we want to help!\n\n# finbar\n\n1. Automatically extracts and compiles data from thousands of companies globally, public and private\n2. Gives analysts tools to easily explore and reshape data for their own use cases\n3. Provides powerful automation to update models with new data in seconds\n\n**If you’ve ever spent hours copying data from a bunch of PDFs into a spreadsheet, you understand the core problem we solve!**\n\n![uploaded image](/media/?type=post&id=87042&key=user_uploads/2312013/e56da6c5-76fa-44d5-b30b-94aaedec850c)\n\n**Why can we do this better than others?** Financial data is inherently very messy – we’ve spent more than a year building a highly bespoke pipeline geared for financial data: numeric algorithms, text processing, OCR, LLMs, and more. This means in minutes we can provide complete series data from any set of documents: PDFs, Excels, websites, scans, etc.\n\nWe also understand the financial domain intimately well – our starting point has always been to build something that would have saved us hours per day as hedge fund analysts.\n\n![uploaded image](/media/?type=post&id=87042&key=user_uploads/2312013/d80aa23d-1e53-448f-8f0b-f6c2b7d47171)\n\n**Want to learn more?** [**Watch a full demo here!**](https://www.youtube.com/watch?v=DGh_3TDVb4M)\n\n**If you spend time working with financial data in any field, we believe we can save you valuable time.** We’re live with several multi-billion AUM hedge funds but are also very interested in speaking to anyone in banking, research, PE, VC, accounting, or corporate. We’d love to help you!\n\n**Head to **[**https://finbar.com/about**](https://finbar.com/about)** to request a trial – or reach out directly to **[**ehuang@finbar.com**](mailto:ehuang@finbar.com)**!**\n\n# About us\n\n**Ed** was a hedge fund analyst at Balyasny, and before that was at Goldman Sachs. He solo-founded finbar up to first revenue and now leads product and commerce. He is a CFA charterholder.\n\n**Robin** was a software engineer at Thought Machine, working on a globally deployed cloud-native banking platform. He now leads the finbar tech effort.\n\nWe’ve been close friends for 13 years, through school, then Oxford, then as roommates in London – and of course now as co-founders!\n\n![uploaded image](/media/?type=post&id=87042&key=user_uploads/2312013/e2bf30db-5b91-4870-99c5-7725c2baee31)\n\n Thanks for reading - happy modeling!", "url": "https://www.ycombinator.com/launches/Mdu-finbar-your-ai-financial-data-analyst", "votes": 33, "created_at": "2025-01-22T15:11:23.913Z" } ] }, { "id": 30269, "name": "Liquid Compute", "slug": "liquid-compute", "former_names": [ "PowerPlay", "Strike", "Pluto" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ddb1c0f50037d9c24b823a5a568655e0a2d1980d.png", "website": "https://www.liquidcompute.com", "all_locations": "New York City, NY, USA", "long_description": "", "one_liner": "Pending CFTC regulation to be the first cash and physically settled…", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1740523068, "tags": [ "FinOps", "Fintech", "Infrastructure", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/liquid-compute", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/liquid-compute.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/liquid-compute", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ddb1c0f50037d9c24b823a5a568655e0a2d1980d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 1526382, "full_name": "Ronit Jain", "title": "Founder/CEO", "founder_bio": "CEO @ Liquid Compute", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ronitjain5", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3a8f6d92dc2c46bb92d40c7a409eb6741ae8befb.jpg" }, { "user_id": 2378932, "full_name": "Aarav Patel", "title": "Founder/CTO", "founder_bio": "Working on derivatives exchange", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aaravpatel04", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8be0b2f5460b3c6e32f744ecf647b4b5c7e1540e.jpg" } ], "jobs": [ { "id": 97134, "title": "Head of GTM", "url": "https://www.ycombinator.com/companies/liquid-compute/jobs/FjZBn9g-head-of-gtm", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$150K - $200K", "equity_range": "0.10% - 0.30%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 98145, "title": "Liquid Compute", "tagline": "Building a Regulated Venue that Commoditizes Intelligence", "body": "Today, Liquid Compute emerges from stealth with a $15 million seed round co-led by Chemistry and Firstmark. They are joined by K8 Capital, Night Capital, TrueBridge, Brainchild Holdings, UFO Holdings, Y Combinator and angel investors such as Dmitry Balyasny. Alongside the launch, the company is announcing pending applications before the CFTC for Designated Contract Market (DCM) and Derivatives Clearing Organization (DCO) status to build the first regulated exchange to trade both cash and physically settled contracts on AI infrastructure, starting with compute.\n\n## The Strategic Rationale for Regulation\n\nBuilding a true financial layer for compute requires the same institutional-grade framework that governs traditional commodities. While pursuing a regulated path is long and arduous, and liquidity is difficult to bootstrap, startup entrants such as ICE in energy, CBOE in volatility, and Kalshi in event contracts prevailed and actually accrued most of the financial value in the commoditization of their multi-trillion-dollar asset classes precisely because they secured regulatory status while focusing deeply on the unique physical and structural nuances of their specific markets.\n\nFor compute, there are unique physical dynamics that are particularly challenging to overcome. Oil can be stored in a barrel. Compute cannot. If a GPU sits idle this afternoon, that capacity evaporates forever. Its value depends entirely on location, availability, configuration, and the specific workloads it can run. The heterogeneity of compute is actually far more analogous to the power markets, but instead of acting as a proxy of generating electricity, compute acts as a direct proxy for access to intelligence, making it a critical pillar of both economic and national power. The United States recognizes this reality and is pouring unprecedented capital into chips, data centers, and energy grid expansion to secure its geopolitical edge. However, building supply is only half the equation. To truly secure compute as a strategic asset, America needs robust, regulated market infrastructure to price it, allocate it efficiently, finance its rapid growth, and allow dependent companies to manage their risk.\n\n## Enabling the Compute Trader\n\nBecause intelligence is rapidly developing a measurable cost curve, massive businesses will need to manage their exposure to it. Enterprises running heavy inference will need to hedge against rising AI costs. Neoclouds will need to lock in future utilization revenues, and lenders financing data centers will need forward prices to underwrite cash flows.\n\nThis reality is driving a massive structural shift where the buyer of compute is no longer always the end user. A new class of participant is emerging, including neoclouds, brokers, and dedicated trading firms looking to buy capacity, warehouse it, resell it, arbitrage price differences, or simply take a speculative view.\n\nToday, these participants trade on fundamentally bilateral, cumbersome infrastructure. Every resale requires a new contract, a fresh credit decision, another payment setup, and a separate SLA. As capacity changes hands, the chain of liability becomes hopelessly tangled.\n\nLiquid Compute exists to abstract away that complexity. Before a meaningful futures market can launch, the industry must standardize exactly what is being delivered, which requires verifiable infrastructure, defined performance metrics, and credible physical reference prices. By building an Exchange for Physical (EFP) market and clearing transactions through a common framework, any participant with a balance sheet will be able to take a position on compute without needing to become a cloud operator, credit underwriter, or AI company.\n\nThis is precisely why the company has partnered with institutional market participants like Susquehanna, BGC, and Wintermute. Liquid Compute is building the infrastructure that empowers market makers, lenders, and entirely new classes of participants to trade compute as a liquid asset. More participants taking risk means a more liquid physical market, which in turn creates robust reference prices for the financial market above it. Our overall thesis is that intelligence becomes a utility supplied by many vendors, that its cost becomes a variable buyers have to actively manage, and that managing it well requires a trusted reference price, standardized contracts, and a market to trade them in.\n\nLiquid Compute is a Y Combinator W25 company based in New York.", "url": "https://www.ycombinator.com/launches/PWz-liquid-compute", "votes": 142, "created_at": "2026-02-24T18:07:42.893Z" } ] }, { "id": 30285, "name": "Karsa", "slug": "karsa", "former_names": [ "Agency" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4e70eb9dc2e6d81269e32986a94420bc07247202.png", "website": "https://gokarsa.com/", "all_locations": "New York City, NY, USA", "long_description": "Karsa is a stablecoin neobank for over 100M people in emerging markets. We enable people to buy dollar-denominated stablecoins, save money in US bank accounts, and spend anywhere with a Visa card.", "one_liner": "Stablecoin neobank for emerging markets", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1737358426, "tags": [ "Fintech", "Emerging Markets", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/karsa", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/karsa.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/karsa/", "x_url": "https://twitter.com/go_karsa", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4e70eb9dc2e6d81269e32986a94420bc07247202.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tyler Bosmeny", "url": "https://www.ycombinator.com/people/tyler-bosmeny" }, "founders": [ { "user_id": 1110862, "full_name": "Shahryar Hasnani", "title": "Founder/CEO", "founder_bio": "Enabling the 1B+ people in emerging markets to save in stablecoins and protect against currency instability. Previously head of BD at Ethereum infrastructure startup. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shahryar-hasnani/", "x_url": "https://x.com/0xLilShah", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/51c1797e56fb26c41054c7edcac21c003ab3430a.jpg" }, { "user_id": 951402, "full_name": "Dale Wilson", "title": "Founder/CTO", "founder_bio": "Enabling the 1B+ people in emerging markets to save in stablecoins and protect against currency instability. Previously protocol development lead at a layer 1 AI Blockchain.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dalewilson21/", "x_url": "https://x.com/0xdwil", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/24f58a7f8d633bc89787206c02838a7bd257977b.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 87203, "title": "Karsa 💸 - The Global Dollar Account", "tagline": "Save in stablecoins; protect against inflation in emerging markets", "body": "Hey YC, we’re Shahryar and Dale, the co-founders of Karsa!\n\n# **tl;dr:**\n\n**Karsa is a global dollar account—enabling anyone in emerging markets to buy and save in stablecoins to protect against currency instability.**\n\n# **The Problem**\n\n_Over a billion people live in countries with severe inflation (5-10%+) and are unable to protect their wealth due to strict capital controls_ (Shahryar’s family in Pakistan still acutely faces this problem). The traditional banking systems in most of these countries are systematically designed to prevent access to assets like dollars.\n\nWe’ve spent the majority of our careers in crypto, traveling everywhere from the Middle East to Southeast Asia for work—and we observed how people in regions with economic instability have begun to adopt stablecoins as a store of value. However, existing products—typically peer-to-peer crypto exchanges—are centered on traders and are still too complex for average users, hindering mass-market adoption.\n\n# **Our Solution**\n\n\n\nKarsa is a global digital wallet that makes it easy for anyone across the world to deposit money using local payment methods and save in dollar-denominated stablecoins.\n\nFor a user, it looks similar to a bank—but under the hood, we route our supply from a network of verified peer-to-peer stablecoin traders, whom buyers are making their deposit payments to.\n\n* Structuring it as peer-to-peer allows us to _actually_ be global from day one and circumvent government interference: in most of these markets, centralized products (i.e., requiring a bank account in the relevant country) often get shut down. _This means that in many of the regions we operate in, we’re the only way anyone can reasonably get access to stablecoins._\n* Unlike incumbent exchanges, however, we’ve entirely abstracted the ‘P2P’. Traditionally, buyers and sellers engage in chats for each transaction (to confirm details, etc.). This is onerous for sellers, and off-putting for new buyers. Instead, we sit in the middle, matching price orders and managing verification, appeals, etc. with sellers directly—much less work for sellers, and an incredibly simple process for buyers.\n* We’ve also abstracted everything _crypto_ about it—no crypto knowledge, wallet / key management, etc. needed, so that even your parents could use the platform.\n* User funds are held in self-custody crypto wallets, meaning your money is always yours—unlike a centralized exchange (e.g., FTX) there’s no way for us to access, freeze, or lose your funds.\n\n# **Team**\n\n![uploaded image](/media/?type=post&id=87203&key=user_uploads/1110862/dbb9d996-6d96-4caf-9820-899438b2748d)\n\nShahryar and Dale have been working in the crypto space for the majority of their careers (leading business development and protocol engineering, respectively). We’ve lived and worked across the world in the same regions that we want to provide our product to—we deeply understand the tech, the market, and how stablecoins can best be leveraged to create more financial freedom.\n\nWe’ve been close friends for years, joined the industry at similar times (Shahryar actually got Dale to FOMO in), and we now work together out of Dale’s kitchen in New York. \n\n# **Asks**\n\nWe’re already going live today with sellers in Pakistan, India, Nigeria, Kenya, Paraguay and setting up a couple other regions as we speak. If you know or work with anyone in South Asia, Africa, Southeast Asia, or the Middle East—whether they’re a contract worker, freelancer, developer, crypto trader, SMB owner, or just family/friends who would be interested in saving with Karsa or working with us as a stablecoin supplier—please don’t hesitate to connect us at [**shahryar@gokarsa.com**](mailto:shahryar@gokarsa.com). Folks with these profiles have been incredibly helpful in getting feedback and suggesting future product features.", "url": "https://www.ycombinator.com/launches/MgV-karsa-the-global-dollar-account", "votes": 59, "created_at": "2025-01-27T18:32:54.258Z" } ] }, { "id": 30288, "name": "Harper", "slug": "harper", "former_names": [ "Tatch" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48f09dfa8b59f8e987b3a43c44b0adcd865fe145.png", "website": "https://www.harperinsure.com/", "all_locations": "San Francisco, CA, USA", "long_description": "At Harper, we are building a fully autonomous commercial insurance brokerage powered by AI. Our initial focus is on mid-sized businesses with complex insurance needs, but our vision is to eventually serve every business in the country.\r\n\r\nBy leveraging AI to automate key workflows in the insurance process, we efficiently secure optimal coverage for each client's unique requirements at competitive prices and with rapid turnaround. Our AI system learns from the expertise of our brokers, accumulating not just knowledge but also the specific workflows, data, and capabilities that pave the way to full autonomy.", "one_liner": "AI-native commercial insurance brokerage", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1735235398, "tags": [ "Fintech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/harper", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/harper.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/48f09dfa8b59f8e987b3a43c44b0adcd865fe145.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1653612, "full_name": "Dakotah Rice", "title": "Founder/CEO", "founder_bio": "CEO @ Harper (W25) Building an AI-native commercial insurance brokerage. prev: Goldman, Carlyle, Coatue, Poolit. Brown '12, HBS dropout '21", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dakotahrice/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0b71e86ac9349e856eb1d62d5a2c82b3768590ec.jpg" }, { "user_id": 1654704, "full_name": "Tushar Nair", "title": "Founder/CTO", "founder_bio": "CTO @ Harper (W25) prev: Goldman, Poolit. Building an AI native commercial insurance brokerage.", "is_active": true, "linkedin_url": "https://linkedin.com/in/tushar-nair-100787144", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e6c9b5553bf3c892875084b67245a446139a7f11.jpg" } ], "jobs": [ { "id": 85467, "title": "Senior Member of Technical Staff", "url": "https://www.ycombinator.com/companies/harper/jobs/TszfBKi-senior-member-of-technical-staff", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$160K - $230K", "equity_range": "0.01% - 0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88186, "title": "Senior Operations Lead", "url": "https://www.ycombinator.com/companies/harper/jobs/KxUUfX3-senior-operations-lead", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$180K - $220K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88190, "title": "Future AI Founder", "url": "https://www.ycombinator.com/companies/harper/jobs/sgnMdwY-future-ai-founder", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $140K", "equity_range": "0.01% - 0.20%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 88191, "title": "Senior Member of Technical Staff, Voice", "url": "https://www.ycombinator.com/companies/harper/jobs/j3AYc4c-senior-member-of-technical-staff-voice", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$170K - $275K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88192, "title": "GTM Engineer", "url": "https://www.ycombinator.com/companies/harper/jobs/pDx68zo-gtm-engineer", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$130K - $190K", "equity_range": "0.05% - 0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88193, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/harper/jobs/Hr7rRca-forward-deployed-engineer", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K - $200K", "equity_range": "0.05% - 0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88194, "title": "Member of Technical Staff", "url": "https://www.ycombinator.com/companies/harper/jobs/df0E48G-member-of-technical-staff", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$140K - $200K", "equity_range": "0.01% - 0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88548, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/harper/jobs/xzF5Pja-founding-account-executive", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$75K - $125K", "equity_range": "0.01% - 0.10%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88580, "title": "Recruiting Lead", "url": "https://www.ycombinator.com/companies/harper/jobs/9E6dwaG-recruiting-lead", "location": "San Francisco", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Recruiter", "salary_range": "$125K - $185K", "equity_range": "0.01% - 0.10%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88615, "title": "Founding Product Manager", "url": "https://www.ycombinator.com/companies/harper/jobs/KfC6DN6-founding-product-manager", "location": "San Francisco", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$135K - $185K", "equity_range": "0.01% - 0.10%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 89006, "title": "Special Projects Lead", "url": "https://www.ycombinator.com/companies/harper/jobs/rE0aoNR-special-projects-lead", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$150K - $175K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 89186, "title": "Head of Customer Experience", "url": "https://www.ycombinator.com/companies/harper/jobs/YkyopkE-head-of-customer-experience", "location": "San Francisco", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$185K - $250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90246, "title": "Chief of Staff", "url": "https://www.ycombinator.com/companies/harper/jobs/eEvIwyH-chief-of-staff", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$175K - $225K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90248, "title": "Account Manager", "url": "https://www.ycombinator.com/companies/harper/jobs/VYmFv7w-account-manager", "location": "San Francisco", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$80K - $110K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 88087, "title": "Harper: AI-native commercial insurance brokerage", "tagline": "Transforming how businesses get the coverage they need.", "body": "Hey YC! It’s [Tushar](https://www.linkedin.com/in/tushar-nair-100787144) and [Dakotah](https://www.linkedin.com/in/dakotahrice), and we're building Harper, an AI-powered commercial insurance brokerage transforming how businesses get the coverage they need. Since acquiring our first customers in October, we’ve already grown to write over $6M in annualized premiums across 35 states.\n\n### The Problem\n\nCommercial insurance is drowning in operational inefficiency:\n\n* Manual processes that limit broker productivity\n* Complex, redundant applications\n* Information asymmetry and limited market access\n\nThese antiquated systems create terrible customer experiences and prevent traditional brokerages from scaling.\n\n### Our Solution\n\nWe built an insurance brokerage with a suite of AI solutions that we use internally to enhance our sales, operational, and service interactions. Harper Hub, our flagship tool can:\n\n* Complete forms automatically\n* Find optimal carriers and underwriters\n* Manage client communications seamlessly\n\nThis creates an [infinitely scalable brokerage](https://www.youtube.com/watch?v=KvD1NyGJq3k) that delivers superior service with significantly higher margins.\n\n### Our Vision\n\nAt Harper, we believe that every legacy professional services business will have an AI-Native counterpart that will operate more efficiently, generate more revenue, and grow faster than incumbents. We want to become the largest insurance brokerage in the world with the best NPS. The commercial insurance brokerage market represents over $100B in annual commissions.\n\n### The Team\n\n![uploaded image](/media/?type=post&id=88087&key=user_uploads/1654704/73b6cf13-e7f4-49a9-a8d8-dba947ef85e5)\n\nWe've known each other since we started our careers at Goldman Sachs, where Tushar led ML/AI engineering teams automating services for the commodities desk while Dakotah worked on the Technology, Media, and Telecommunications Team in Investment Banking. He then spent time at Carlyle and Coatue.\n\nTushar spent nearly 9 years at Goldman before leaving to found Poolit with Dakotah, a fintech company that scaled to $100M AUM. While looking for their next project, they started thinking about the highest-impact solutions for LLM-based AI tools.\n\nWe decided to blend Dakotah’s family history in insurance and entrepreneurship with Tushar's technical expertise in automation to build the world’s first AI Native Commercial Insurance Brokerage.\n\n### Our Ask\n\nIf you know any businesses with complex insurance needs, please reach out to us at [harper@harperinsure.com](mailto:harper@harperinsure.com)", "url": "https://www.ycombinator.com/launches/Mul-harper-ai-native-commercial-insurance-brokerage", "votes": 26, "created_at": "2025-02-27T00:00:50.044Z" } ] }, { "id": 30292, "name": "Mesh", "slug": "mesh-2", "former_names": [ "Cart", "Mesh", "mesh" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/23ccdc4419907ee05321c76c632bbd5270cb8764.png", "website": "http://www.usemesh.com", "all_locations": "San Francisco, CA, USA", "long_description": "Month-end shouldn’t be a race against the clock.\r\n\r\nFor most mid-to-enterprise finance teams, accruals are a manual bottleneck. Chasing missing invoices and manually updating spreadsheets can eat up 4+ days of every month-end close.\r\n\r\nMesh changes the timeline. We automate 90% of the accruals process by capturing real-time usage and service signals directly from your AP inbox, Slack, Teams, and historical journals. We turn fragmented data into audit-ready outputs, so you can stop guessing and start closing.\r\n\r\nSee how top teams are accelerating their close by 4+ days at www.usemesh.com", "one_liner": "Eliminating accrual spreadsheets for faster month-end", "team_size": 3, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1736927502, "tags": [ "FinOps", "Fintech", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/mesh-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/mesh-2.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/usemesh", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/23ccdc4419907ee05321c76c632bbd5270cb8764.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/70/1741806360-201e4855910360bc04b8d0262c9e0af3/5dc54f97bcf2d7e01d50fccb72ab2d7b.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022726Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=56312b35d70c145c23c9d67a814ecd8b5287094489b6c225bc92c5a1185fd1a3", "company_photos": [], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1492732, "full_name": "Erin Kim", "title": "Founder/CEO", "founder_bio": "Co-Founder and CEO at Mesh. After scaling Carta’s fund accounting business from $20M to $100M, Erin is now focused on helping finance teams close 4+ days faster. By leveraging her experience as an early finance hire at Carta, she is building Mesh to automate 90% of the accruals process—eliminating manual spreadsheets with auditable scripts.\n\nErin graduated with a full-ride scholarship from Washington University in St. Louis.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/erinkim720/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/694ee9adb2440959927b6132bbb55c84349c410b.jpg" }, { "user_id": 2331870, "full_name": "Nandini Ramakrishnan", "title": "Founder", "founder_bio": "Co-Founder and CTO at Mesh. Nandini spent the last 5+ years at Carta building accounting automation workflows, in-house general ledger, fund formation software, lending products (i.e. capital call lines), and auditor portals. She led a team of 4 engineers as an engineering manager. Prior to that, she co-authored a Machine Learning patent at eBay. \n\nShe holds bachelor’s and master’s degrees in electrical and computer engineering from Carnegie Mellon. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nandiniramakrishnan/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/778a01ae648a6798ab10925b89bb8eec0ab48323.jpg" } ], "jobs": [ { "id": 100952, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/mesh-2/jobs/TKKfvmn-founding-engineer", "location": "San Francisco, United States", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102149, "title": "Founding GTM Lead", "url": "https://www.ycombinator.com/companies/mesh-2/jobs/9tFjJOE-founding-gtm-lead", "location": "San Francisco, United States", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 30334, "name": "Bluebook", "slug": "bluebook", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ab67c5f36b05352c3fb1a5fa4f7fc41d1908c664.png", "website": "https://getbluebook.com", "all_locations": "Stockholm, Stockholm County, Sweden", "long_description": "Bluebook is building AI agents for accounting firms to accelerate research, reconciliations and monthly closings. We allow professionals to serve 200 clients instead of just 20. With research time cut by 30% accountants can provide more strategic advice to help their clients thrive. The 30 leading firms in the Nordics already use Bluebook.\r\n\r\nThe accounting industry faces a perfect storm: a massive CPA retirement wave (75% in the coming 15 years), increasing complexity from globalization and new regulations, and private equity consolidation driving productivity demands. LLMs enables software that can understand context, adapt to new scenarios, and handle complex accounting tasks with human-like reasoning - capabilities that traditional rule-based software lacks.", "one_liner": "AI for accounting", "team_size": 4, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1739450063, "tags": [ "Fintech", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Sweden", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bluebook", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/bluebook.json", "year_founded": 2024, "city": "Stockholm", "country": "SE", "linkedin_url": "https://www.linkedin.com/company/bluebook-accounting", "x_url": "https://x.com/bluebookhq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ab67c5f36b05352c3fb1a5fa4f7fc41d1908c664.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": 1666667, "full_name": "Philip Andersson", "title": "Founder/CEO", "founder_bio": "Self-taught AI builder and seasoned founder. Developed my first webpage at age 8, founded my first company at 17, built a software consultancy generating millions in revenue, exited a product company, launched many failures. Last years spent as engineering leader at startups such as FirstVet, Mindler and Epidemic Sound.", "is_active": true, "linkedin_url": "https://linkedin.com/in/phiandersson", "x_url": "https://x.com/phiandersson", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9d1eee79b4051b74a04a399bed56a77ffcbe3464.jpg" }, { "user_id": 2091916, "full_name": "Filip Stål", "title": "Founder/CTO", "founder_bio": "Happy guy that loves to build, exercise & cook food. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/filip-st%C3%A5l-464849229/", "x_url": "https://x.com/stal_filip", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ea1fd6aaa394127e63211fc894636421770d0482.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator alumni Bluebook raises $3M to build AI agents for accounting firms - Tech.eu", "url": "https://tech.eu/2025/02/13/y-combinator-alumni-bluebook-raises-3m-to-build-ai-agents-for-accounting-firms/", "date": "Feb 13, 2025" }, { "title": "“Self-driving accounting”: Bluebook secures €2.4 million for AI-powered accounting – BeBeez International", "url": "https://bebeez.eu/2025/02/13/self-driving-accounting-bluebook-secures-e2-4-million-for-ai-powered-accounting/", "date": "Feb 13, 2025" }, { "title": "Bluebook Raises $3M to Build AI Agents for Accounting Firms with Pre-Seed Led by EQT Ventures  - CPA Practice Advisor", "url": "https://www.cpapracticeadvisor.com/2025/02/13/bluebook-raises-3m-to-build-ai-agents-for-accounting-firms-with-pre-seed-led-by-eqt-ventures/156006/", "date": "Feb 13, 2025" }, { "title": "EQT Ventures Backs Bluebook: AI is Redefining Accounting | by EQT Ventures | eqtventures | Feb, 2025 | Medium", "url": "https://medium.com/eqtventures/eqt-ventures-backs-bluebook-ai-is-redefining-accounting-afa7493cea4f", "date": "Feb 13, 2025" }, { "title": "Bluebook Raises Millions From EQT and Angels – Silicon Valley Nordic Beat", "url": "https://svnordicbeat.com/bluebook-raises-millions-from-eqt-and-angels/", "date": "Feb 13, 2025" } ], "launches": [] }, { "id": 30363, "name": "BlindPay", "slug": "blindpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f1817a0c9b9ff2db524e7cb0712e6867cdfcb2f0.png", "website": "https://blindpay.com/", "all_locations": "San Francisco, CA, USA", "long_description": "BlindPay is a stablecoin API that enables companies to send and receive money worldwide using fiat money, stablecoins and multiple blockchains. We handle all the complex compliance and regulatory requirements, so companies can focus on their core business.", "one_liner": "Stablecoin API for global payments", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1737430094, "tags": [ "Developer Tools", "Fintech", "Crypto / Web3", "Payments", "API" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/blindpay", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/blindpay.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/blindpay", "x_url": "https://x.com/blindpay", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f1817a0c9b9ff2db524e7cb0712e6867cdfcb2f0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 754326, "full_name": "Bernardo Simonassi", "title": "Founder/CEO", "founder_bio": "Co-Founder & CEO @ BlindPay — Stablecoin API for global payments. Has been shaping the stablecoin payments industry for the past 3 years, during which he developed the first payroll platform powered by stablecoins. Previously at PicPay, he developed instant payment solutions serving 60M+ users.", "is_active": true, "linkedin_url": "https://linkedin.com/in/bernardosm", "x_url": "https://x.com/bebedaselva", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2e8c4b7027ac80cdbaedd402799df3c16df8960d.jpg" }, { "user_id": 2097650, "full_name": "Joao Borges", "title": "Founder", "founder_bio": "Co-Founder @ BlindPay — Stablecoin API for global payments ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joaoborgesjr/", "x_url": "https://x.com/joaocsb", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9c427a5e11824b6d0f01f3c6a7e625e2779a13e3.jpg" }, { "user_id": 2098545, "full_name": "Gustavo Marinho", "title": "Founder/CPO", "founder_bio": "Co-Founder & CPO @ BlindPay — Stablecoin API for global payments. Specializing in consumer-facing financial products for Latin America, I bring over 8 years of experience building digital products. At PicPay (60M+ users), I led the design of a loans marketplace and instant payment initiatives, processing $1.2M in daily loans during MVP phase. As Co-founder of Dropull, I built and scaled a social gaming platform to 1M users.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gustavomarinho/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8e6b7abed2477e4cfcf65814f4db9bcb93e1384e.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 87070, "title": "BlindPay - Stablecoin API for Global Payments", "tagline": "Core Infrastructure for LatAm Payments", "body": "### **TL;DR**\n\nBlindPay is a stablecoin API that helps companies navigate LatAm's complex financial regulations while enabling fast and affordable global payments. Watch our demo [here](https://www.youtube.com/watch?v=N9hHISlGp9Y).\n\n### **The Problem**\n\nBusinesses face significant hurdles when sending and receiving global payments:\n\n* Traditional methods rely on correspondent banks, adding fees (1.5-6% for B2B) and delays of 2-5 business days or more. Bank transfers typically require 2-4 intermediaries between smaller countries, with costs reaching hundreds of dollars. \n* Frequent fluctuations in Latin American currencies, coupled with extreme inflation rates (over 50% annually in some countries), make international payments unpredictable and risky. \n* Complex regulations and strict compliance rules across jurisdictions require different documentation for each institution. \n* Fragmented payment landscapes across countries require integration with multiple local payment systems (like SPEI, Pix, PSE), making implementation resource-intensive\n\n### **Our Solution**\n\nOur API integrates seamlessly with your existing workflows. With BlindPay you can:\n\n* Send and receive payments using fiat money and stablecoins\n* Get competitive FX quotes and low transaction fees\n* Connect directly to local instant payment systems across Latin America\n* 24/7 payments with instant settlement\n* Ensure compliance through blockchain screening, tiered KYC/KYB levels, and continuous transaction monitoring\n\nExpand your global reach while reducing costs and transaction times by up to 80%. Powered by stablecoins and blockchain, our platform eliminates the delays, high fees, and regulatory barriers of traditional payment systems.\n\n![uploaded image](/media/?type=post&id=87070&key=user_uploads/2098545/f81c874e-a8e7-4a92-ab1e-de8897529a63)\n\n### **Developer Experience**\n\nAdd fiat gateways to your apps with minimal code. Our SDKs support multiple languages and frameworks, backed by a developer-friendly REST API with public OpenAPI documentation.\n\n* Support for multiple blockchains and major stablecoins\n* Direct integration with local payment systems like SPEI (Mexico), Pix (Brazil), PSE (Colombia) and Transfers (Argentina)\n* Separate sandbox and production environments with unique API keys and webhooks\n* Real-time payment tracking and transaction monitoring\n\n### **Team**\n\n![uploaded image](/media/?type=post&id=87070&key=user_uploads/2098545/d3fdd3f4-c653-427c-8e06-159b1ac4809f)\n\n**Bernardo Simonassi (CEO)** has been shaping the stablecoin payments industry for the past 3 years, where he developed the first payroll platform powered by stablecoins. Previously at PicPay, he developed instant payment solutions serving 60M+ users.\n\n**Gabriel Lyra (CTO)** led software engineering at LendingClub, where he architected and implemented critical financial infrastructure handling $50B in monthly loan transactions. Previously at AWS, he optimized infrastructure scripts that reduced monthly costs from $15M to $1M.\n\n**João Borges (COO)** is a prominent leader and entrepreneur, best known for founding one of Brazil's largest blockchain startups. In its first year of operation, he successfully scaled the company to seven-digit revenue and raised millions of dollars from top-tier venture capitalists. João is also an active contributor to the Nouns DAO ecosystem and has been recognized on the Forbes 30 Under 30 list.\n\n**Gustavo Marinho (CPO)** is a former product leader at top-tier Brazilian fintechs, where he specialized in consumer-facing financial solutions for Latin America. Previously at PicPay, he built instant payment solutions and credit products, successfully growing a personal loan portfolio to over $100M within six months of launch. \n\n### **Our Ask**\n\nHey founders, are you building a product that needs global payment functionality? Email us at [founders@blindpay.com](mailto:founders@blindpay.com)\n\nBlindPay is the simplest way to integrate global payments into your product:\n\n* Neobanks & fintech\n* Payroll solutions\n* Remittance providers\n* Wallet infrastructure providers\n* Traditional FX industry\n* Stablecoin aggregators\n* Marketplaces & platforms\n* Gaming & crypto apps\n* Billing & invoicing software\n* Freelancer & gig economy tools", "url": "https://www.ycombinator.com/launches/MeM-blindpay-stablecoin-api-for-global-payments", "votes": 66, "created_at": "2025-01-22T22:26:34.751Z" } ] }, { "id": 30367, "name": "QFEX", "slug": "qfex", "former_names": [ "PSEx", "PFEx", "Entimox", "QFEX", "QFEx" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ff2e678a3e0cc7ec945071e67d067023b3357bf4.png", "website": "https://qfex.com", "all_locations": "London, England, United Kingdom", "long_description": "QFEX is the 24/7 exchange for traditional financial markets.\r\n\r\nWe let you trade US equities, commodities and FX pairs with (or without) leverages of up to 100x. On QFEX, UX comes first: brokerless market access, seamless integration with traditional payment rails, and ultra-efficient Perpetual Futures offered over all asset classes. Trading has never been simpler, cheaper or fairer than with QFEX.\r\n\r\nFounded by Quants and Engineers from Citadel & Tower Research who saw an opportunity to make markets how they always should have been, QFEX will eventually replace the entire $100 billion exchange and clearing industry.", "one_liner": "24/7 Global Stock Exchange", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1747069734, "tags": [ "Fintech", "Marketplace", "Trading" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/qfex", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/qfex.json", "year_founded": 2025, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/qfex", "x_url": "https://x.com/qfex", "fb_url": "https://www.facebook.com/tradeqfex/", "cb_url": "https://www.crunchbase.com/organization/qfex", "github_url": "https://github.com/QFEX-org", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ff2e678a3e0cc7ec945071e67d067023b3357bf4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/57dfe4e062f27e2791073526579304626840f5cc.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b27f14c1d8b76dda0304895144a13b9f353e7663.png" ], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 2318196, "full_name": "Annanay Kapila", "title": "Founder/CEO", "founder_bio": "Annanay is Founder and CEO of QFEX. He met his co-founder Joshua at Cambridge, where he studied Maths and conducted Quantum Computing research. Since then, he has worked as a Quantitative Trader at Flow Traders and Tower Research Capital in London, and is now building QFEX as the exchange he always wish he had to trade on.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/annanay-kapila/", "x_url": "https://x.com/annanay", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/44f2f9bd0d9943aa2aa4fd4c3a4561735abce17b.jpg" }, { "user_id": 115491, "full_name": "Joshua Wharton", "title": "Founder/CTO", "founder_bio": "Founder & CTO at QFEX", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joshua-wharton/", "x_url": "https://x.com/joshuawharton", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0c4fe96a6de95fe4b5449b1193927210222778b7.jpg" } ], "jobs": [ { "id": 76806, "title": "Research Engineer", "url": "https://www.ycombinator.com/companies/qfex/jobs/S7XSybx-research-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $250K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 88980, "title": "Backend Engineer", "url": "https://www.ycombinator.com/companies/qfex/jobs/2j9OMID-backend-engineer", "location": "London, England, GB / New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$100K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [ { "id": 90317, "title": "QFEX - The Global 24/7 Stock Exchange", "tagline": "Direct, 24/7, leveraged trading on US equities, commodities and FX.", "body": "Hello World! We’re [Annanay](https://www.linkedin.com/in/annanay-kapila/) and [Joshua](https://www.linkedin.com/in/joshua-wharton/), and we’re building [QFEX](http://www.qfex.com/): a global, 24/7 stock exchange.\n\n#### **What We’ve Built**\n\nTrillions of dollars change hands every day in the global financial markets, but the pace of innovation is excruciatingly slow. As of 2025, you still can’t:\n\n* Trade directly on an exchange **without a broker** (unless you’re as big as Jane Street).\n* **Trade 24/7**.\n* Get **>20x leverage** or avoid margin fees.\n* Trade leveraged US stocks without **worrying about options**.\n\nWe’re changing this.\n\nWe’ve built an exchange that provides all of the above, packaged into a sleek, **direct-to-market** interface with one-of-a-kind purely **volume-based fees**. Bye-bye Robinhood selling your orders for Citadel to front-run. Adios to the Interactive Brokers GUI. Hello to markets as they _should_ **be**.\n\nhttps://www.tella.tv/video/joshuas-video-1m32\n\nhttps://www.tella.tv/video/joshuas-video-32cb\n\n#### **Call To Action**\n\nQFEX is currently running in a closed beta with a white-glove service to match user enthusiasm. To get earlier access: \n\n* **Sign up** to our [waitlist](https://app.qfex.com/login) to get invited!\n* Follow us on socials to make sure you don’t miss out on any early access perks! [Reddit](https://www.reddit.com/user/TradeQFEX/) [Twitter](https://x.com/TradeQFEX) [Facebook](https://www.facebook.com/tradeqfex) [LinkedIn](https://www.linkedin.com/company/entimox/)\n* [API](https://docs.qfex.com/) traders - welcome to the first API-native exchange! Reach out [here](mailto:hello@pfex.com) to schedule onboarding.\n* Share this post with anyone interested in trading, exchanges or crypto! \n\n#### **The Team**\n\nWe met at Cambridge studying Maths in 2016, and the rest is history. Working as Quants and Engineers at Tower Research and Citadel before YC, we spent a year trying to figure out why crypto exchanges can solve all of the above, but traditional exchanges can’t. We still haven’t found a convincing answer.\n\n#### **PS - For the Crypto/ Finance Bros**\n\nTaking a leaf out of the crypto world, [QFEX](http://www.qfex.com/) is listing Perpetual Futures in traditional assets, making it the first exchange to do so. Futures haven’t changed since the first standardized contract was made in 1865 to help farmers hedge their corn harvests. Now S&P500 futures trade $500 billion daily, but it still expires in time for the harvest. Why?\n\n[QFEX](http://www.qfex.com/) will save institutional traders billions of dollars in rolling costs, operational headache, and deeper liquidity from an unfragmented market - just like perps did for crypto. \n\n![uploaded image](/media/?type=post&id=90317&key=user_uploads/2318196/a0937f2e-75a9-4aeb-89fb-4152ad0abac7)\n\n", "url": "https://www.ycombinator.com/launches/NUj-qfex-the-global-24-7-stock-exchange", "votes": 182, "created_at": "2025-05-12T20:42:26.458Z" } ] }, { "id": 30384, "name": "Chestnut", "slug": "chestnut", "former_names": [ "Detta" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4dd28657c6905e0ff5663b74202f4b3352633204.png", "website": "https://chestnutmortgage.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Chestnut is the first AI mortgage lender. We automate 99% of human work with AI agents, saving customers 0.5%+ in interest. This is Spencer's second mortgage startup; the first processes 2% of US mortgages annually. So far, Chestnut is licensed in Texas and Colorado where we power purchases, refinances, cash-outs, and more.", "one_liner": "The first AI mortgage lender", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1747766524, "tags": [ "Fintech", "Real Estate", "Consumer", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/chestnut", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/chestnut.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/chestnutmortgage", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4dd28657c6905e0ff5663b74202f4b3352633204.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 285403, "full_name": "Spencer Brown", "title": "Founder/CEO", "founder_bio": "Repeat founder building the first AI mortgage lender. My last startup built a system of record for mortgage lending that powered 2% of US mortgages annually. During that time, I saw firsthand how inefficient traditional lenders are – and realized I should compete with them directly. I started coding at age 12, founded my first company at 16, and was an early engineer at six other seed- and A-stage startups.", "is_active": true, "linkedin_url": "https://linkedin.com/in/spencercbrown", "x_url": "https://x.com/spencerbrownx", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f1aadccbfd15343627b9880cf751d0d424799fef.jpg" } ], "jobs": [ { "id": 83364, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/chestnut/jobs/GGNEow8-software-engineer", "location": "San Francisco, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $200K", "equity_range": "0.50% - 3.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "TypeScript" ] } ], "news": [], "launches": [ { "id": 90630, "title": "Chestnut, the first AI mortgage lender", "tagline": "Save 0.5%+ in interest with the first AI mortgage lender", "body": "tl;dr **-** Chestnut is building **the first AI mortgage lende**r. Our AI agents help people **save 0.5%+ on their rate**.\n\nhttps://www.youtube.com/watch?v=M7ay1fshd-w\n\n—\n\n# 👋 Howdy\n\nI’m Spencer, the founder of Chestnut — **the first AI mortgage lender**. My last startup built a mortgage “Loan Origination System” (system of record + workflow tool used daily by 80% of lender employees) that powered 2% of US mortgages annually. During that time, I saw firsthand how inefficient traditional lenders are — and realized I should compete with them directly.\n\n# **🤨** Isn’t the mortgage process already automated?\n\nFar from it. Today, 80% of employees at traditional lenders **spend** **hours each day** filling out paper forms, manually reviewing documents, and copy-pasting data between systems. These manual processes cost lenders – and ultimately their borrowers – $12,000+ per loan ($61B+ per year).\n\n# **😲** What’s next?\n\nAI can automate 99% of mortgage operations, but **traditional lenders would take 10+ years** to adapt. They’d have to overhaul their entire tech stack, rewrite every procedure, and retrain their whole workforce.\n\n# ➡️ Enter Chestnut\n\nChestnut is **vertically integrating AI** to challenge traditional lenders directly. Besides Ashley, our AI loan officer assistant, we’ve also built agents that:\n\n1. **Find the best deals** by shopping rates across 100+ lenders (since we’re starting with brokering),\n2. **Cut borrowing costs** by automating the origination process, and\n3. **Notify clients** when rates drop.\n\nSo far, we’re licensed in Texas and Colorado where we’re helping clients with new home purchases, refinances, home equity loans, and home equity lines of credit.\n\n# 🤑 Ready to save?\n\nIf you’re exploring mortgage options in Texas or Colorado, **head over to [our website](https://chestnutmortgage.com?utm_source=launch-yc&utm_medium=cta-link&utm_campaign=launch-yc)** where you can get an instant quote and compare our rates to other lenders!\n\n—\n\nCheers!\n\n![uploaded image](/media/?type=post&id=90630&key=user_uploads/285403/adefaf94-0d5d-4bad-aafc-788d26e493ee)\n\n", "url": "https://www.ycombinator.com/launches/NZm-chestnut-the-first-ai-mortgage-lender", "votes": 111, "created_at": "2025-05-22T17:11:21.534Z" } ] }, { "id": 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": 30487, "name": "IRBC", "slug": "irbc", "former_names": [ "Lyra" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7d307e10d74fa01d4fd34d5f8ea0755540c4046.png", "website": "https://irbc.com/", "all_locations": "New York City, NY, USA", "long_description": "IRBC is a financial technology company building an AI-native financial institution for global businesses and their AI agents. We believe stablecoins are to finance what AI is to software. IRBC enables businesses across 160 countries to bank, earn yield, spend with Visa credit cards, make instant global payments, and process payments like a local. All powered by programmable money and accessible through chat interfaces and a CLI.", "one_liner": "AI-native financial institution for global businesses + agents.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1746417759, "tags": [ "Fintech", "B2B", "Neobank", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/irbc", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/irbc.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/irbc", "x_url": "https://x.com/irbchq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7d307e10d74fa01d4fd34d5f8ea0755540c4046.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1617789, "full_name": "Courtne Marland", "title": "Founder/CEO", "founder_bio": "Founder & CEO at IRBC. Background in GTM engineering, SMMA, and software. Published 4 apps on the App store. 2x previous business exists. BSc Economics and Mathematical Sciences. Lived in South Africa, Dubai, London and Sydney.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/courtnemarland/", "x_url": "https://x.com/courtnemarland", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/670c43bf4b593ab7fd9b3447a8f5b247a54c31a9.jpg" }, { "user_id": 2368778, "full_name": "Henry Kwon", "title": "Founder/CTO", "founder_bio": "Building IRBC. US Congressional App Challenge 25 for '25. HackMIT & HackHarvard awards winner.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/taeksoo-kwon/", "x_url": "https://x.com/henrykwon05", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/22cfdf0a4b69b0a8e920671632d72f7d5e899f17.jpg" } ], "jobs": [], "news": [ { "title": "Video Calling Tool Lyra Raised $6 Million From YC and 468 Capital - Business Insider", "url": "https://www.businessinsider.com/video-call-tool-lyra-pitch-deck-y-combinator-seed-round-2025-7", "date": "Jul 24, 2025" } ], "launches": [ { "id": 94508, "title": "Lyra: The final meeting platform", "tagline": "Work with AI and your team live on docs, no screenshare required. Meetings finish with outcomes, not notes.", "body": "Hey YC community 👋\n\nWe’re excited to share Lyra, the final meeting platform.\n\nAI notetakers clutter meetings. Multiple tabs separate knowledge.\n\nLyra brings meetings and work together in one clean workspace.\n\nYou can work on docs with AI and your team live, no screenshare required. Create follow-ups and action items as you talk. Ask your meeting questions after the call. Access auto-transcribed calls and instant summaries. Everything stays in one place with full context across every meeting.\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/f9014ef2-a26a-4734-bfef-3348b05afca0)\n\nLyra isn’t another notetaker. It’s a meeting platform with AI built in. You can host, record, transcribe, and collaborate all in one tab. The AI sits alongside your team to help you work during and after the call, instead of adding another window or attendee.\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/9a37d1c6-2b08-45dd-a76e-b4556a8615da)\n\nEach meeting becomes a shared workspace where conversations, notes, and tasks connect automatically. The AI captures what matters, answers your questions, and keeps knowledge flowing between teammates. Nothing gets lost after the call.\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/d559b1e5-5323-420c-88f8-580655f35b47)\n\n**For sales teams:**\n\n• Less admin, faster deals\n\n• Action items captured automatically\n\n• Ramp-up time halves as new reps learn from real calls\n\n**For customer success:**\n\n• Sales promises carry forward automatically\n\n• Next steps tracked in real time\n\n• New hires ramp faster with full account context\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/dc7c9a8d-e4e9-43b7-a211-8d0241bb126a)\n\nAI changed how we write and create. Lyra is what happens when that same intelligence is built directly into your meeting platform. No switching tabs, no juggling apps - just one place where you talk, collaborate, and finish with progress.\n\nEveryone who signs up gets 1,000 free minutes to start (enough for 30+ meetings) and an invite to a one-on-one onboarding session so we can learn from your experience and make Lyra even better.\n\nMeetings finish with outcomes, not notes.\n\nhttps://www.youtube.com/watch?v=fHAB1ycCBDc\n\nTry Lyra and see the difference → https://www.producthunt.com/products/lyra-7?launch=lyra-7\n\n![uploaded image](/media/?type=post&id=94508&key=user_uploads/1617789/a0d9c7a5-dbfb-49ff-8d91-5341bd54a40c)\n\n", "url": "https://www.ycombinator.com/launches/OaK-lyra-the-final-meeting-platform", "votes": 9, "created_at": "2025-10-10T14:49:40.530Z" }, { "id": 90304, "title": "Lyra: The AI-Native Zoom For Revenue Teams", "tagline": "Sales hasn't changed in decades but buyer expectations have. We're fixing it.", "body": "Hey everyone 👋— we’re [Courtne](https://www.linkedin.com/in/courtnemarland/) and [Henry](https://www.linkedin.com/in/taeksoo-kwon/) and we’re building [Lyra](https://lyra.so/).\n\nhttps://youtu.be/KGiAZO7D60A\n\n# **❌ The Problem** \n\nEvery revenue team — whether at SMBs or enterprises knows these pains:\n\n* Spending hours manually personalizing docs and followup emails\n* Zero visibility into how engaged buyers are and what decision makers actually think\n* Champions that drag their feet on or just do a poor job at conveying your solution\n* Long sales cycles with long back and forth email threads\n* Trying to be competitive with a buying experience that sucks\n* Long ramp up periods spent studying content only to miss out on the latest material that customers actually care about\n\n**We believe sales is inherently human — AEs aren’t going anywhere, we 100x their efficiency and eliminate anything that isn’t talking to customers.**\n\n# **✅ Why Lyra Is Winning** \n\n**See our platform in action:**\n\nhttps://youtu.be/Gb0Gfi5Q-z0\n\nAlready, over 150 hours of sales calls are hosted on our platform each week. Metrics don’t lie - buyers rave about their experience, close rates go up and sales cycle lengths fall more than 34%. \n\nWe built our own meeting infrastructure with an AI agent at its core to deliver personalization at scale and a sales copilot in the room 24/7.  \n\n# **👋 The Team**\n\n**Courtne (CEO):** Published his first app at 13, has taken over 1,000 hours of sales calls and closed $50M in enterprise pipeline. BSc Applied Mathematics and Economics. \n\n**Henry (CTO)** HackMIT winner, early engineer at a few YC companies and brings AI technical expertise to the team. CS at UC Irvine. \n\n# **🚀 Run Your Next Sales Call On Lyra**\n\nWe're live with paying customers and seeking partners serious about revenue growth.\n\nIf you're interested in seeing what Lyra can do for your quota this month, we’d love to talk.\n\nContact us at [courtne@lyra.so](mailto:courtne@lyra.so)\n\n![uploaded image](/media/?type=post&id=90304&key=user_uploads/1617789/ed782300-fdce-4aef-9ff6-8cee71faa15f)\n\n", "url": "https://www.ycombinator.com/launches/NUW-lyra-the-ai-native-zoom-for-revenue-teams", "votes": 100, "created_at": "2025-05-12T19:41:01.266Z" } ] }, { "id": 30513, "name": "Eloquent AI", "slug": "eloquent-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/af87e3855cde7932b789b7149e717ec9f587f704.png", "website": "https://www.eloquentai.co/", "all_locations": "San Francisco, CA, USA", "long_description": "We automate complex, regulated operations in financial services—no APIs, no engineering required.\r\nWe hit $500K ARR in just four weeks because customers deploy instantly.\r\nOur AI Operator learns by observing existing workflows and SOPs, securely controlling browser and desktop applications to automate up to 96% of tasks.\r\n", "one_liner": "The AI Operator for Financial Services", "team_size": 5, "industry": "B2B", "subindustry": "B2B", "launched_at": 1743955975, "tags": [ "Fintech", "B2B", "Enterprise", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "B2B" ], "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/eloquent-ai", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/eloquent-ai.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/eloquentai/", "x_url": "https://x.com/EloqAI", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/eloquent-ai", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/af87e3855cde7932b789b7149e717ec9f587f704.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/014c5701990a6af5ee91c66a5f02cf30cab16903.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 2611648, "full_name": "Tugce Bulut", "title": "Founder/CEO", "founder_bio": "Tugce is the co-founder of Eloquent AI and a serial entrepreneur. Previously, she founded Streetbees, scaling it into a 200-person global AI company with $80M in VC funding and multi-million dollar enterprise deals with Fortune 500 clients. \n\nShe began her career as a strategy consultant, advising tech companies on GTM strategy. A Cambridge-trained economist and published author, she’s received numerous awards including Deloitte Fast 50, WEF Tech Pioneer and EY Entrepreneur of the Year (London).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tugcebulut/", "x_url": "https://x.com/TugceBulut", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/472ac8cdc4e8557c2a32010f2fb911fed721275b.jpg" }, { "user_id": 2558812, "full_name": "Aldo Lipani", "title": "Founder", "founder_bio": "Aldo is the Co-founder at Eloquent AI, and a Professor of Machine Learning at UCL. His research focuses on LLMs, simulation-based evaluation, and cost-effective training methods like instruction modeling. He holds a PhD from TU Wien and has worked with NIST, Microsoft Research, NII Tokyo, and Nvidia. Aldo has also advised startups and enterprises on building reliable, real-world AI systems.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aldo-lipani", "x_url": "https://x.com/aldolipani", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/379b7e46deb8f744c6b7f6d42a45fa6e608b27d4.jpg" } ], "jobs": [ { "id": 79140, "title": "AI Engineer, Multimodal LLMs", "url": "https://www.ycombinator.com/companies/eloquent-ai/jobs/2eWGivc-ai-engineer-multimodal-llms", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 79141, "title": "AI Engineer, Agent", "url": "https://www.ycombinator.com/companies/eloquent-ai/jobs/2xwyYHg-ai-engineer-agent", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 79142, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/eloquent-ai/jobs/H6NdVAs-forward-deployed-engineer", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $180K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 79143, "title": "Software Engineer, Front-End", "url": "https://www.ycombinator.com/companies/eloquent-ai/jobs/PITFKFM-software-engineer-front-end", "location": "Remote / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$70K - $100K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 79144, "title": "Product Designer", "url": "https://www.ycombinator.com/companies/eloquent-ai/jobs/crOhZol-product-designer", "location": "San Francisco", "type": "Full-time", "role": "Design", "role_type": "Web design", "salary_range": "$120K - $180K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 79146, "title": "AI Engineer, AIOps & Infrastructure", "url": "https://www.ycombinator.com/companies/eloquent-ai/jobs/aCloWFq-ai-engineer-aiops-infrastructure", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 79147, "title": "Eloquent AI Fellowship Program", "url": "https://www.ycombinator.com/companies/eloquent-ai/jobs/M0fvU2k-eloquent-ai-fellowship-program", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 79148, "title": "Senior Software Engineer, Full-Stack", "url": "https://www.ycombinator.com/companies/eloquent-ai/jobs/0qOJ5mE-senior-software-engineer-full-stack", "location": "San Francisco / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 79149, "title": "AI Engineer, Platform", "url": "https://www.ycombinator.com/companies/eloquent-ai/jobs/sJHxcvc-ai-engineer-platform", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Eloquent AI raises $7.4m to bring AI operators to financial services", "url": "https://www.eloquentai.co/fundraising", "date": "Dec 09, 2025" }, { "title": "\n\tEloquent AI raises $7.4m to automate FS customer support\n", "url": "https://www.finextra.com/newsarticle/46583/eloquent-ai-raises-74m-to-automate-fs-customer-support", "date": "Sep 12, 2025" }, { "title": "Eloquent AI: round da 7,4 milioni per semplificare l’assistenza cliente delle banche - la Repubblica", "url": "https://www.repubblica.it/tecnologia/2025/09/09/news/eloquent_ai_round_da_74_milioni_per_semplificare_l_assistenza_cliente_delle_banche-424835468/", "date": "Sep 09, 2025" }, { "title": "YC Founder Raised $7.4 Million for Eloquent AI. Read Her Pitch Deck. - Business Insider", "url": "https://www.businessinsider.com/eloquent-ai-y-combinator-founder-oversubscribed-seed-pitch-deck-2025-9", "date": "Sep 07, 2025" }, { "title": "💭 What is Eloquent AI, and why should you pay attention? Tugce Bulut’s latest venture Eloquent AI", "url": "https://www.linkedin.com/posts/hugotilmouth_what-is-eloquent-ai-and-why-should-you-activity-7313443897840431104-qILE/?utm_source=share&utm_medium=member_desktop&rcm=ACoAAABPuFIBSaL4x68RH3VmwAKp1Sfp_HPDaVw", "date": "May 12, 2025" } ], "launches": [ { "id": 90355, "title": "Eloquent AI: The AI Operator for Financial Services", "tagline": "Automate complex, regulated support operations end-to-end for compliant and reliable customer services.", "body": "**🎯TL;DR**\n\nEloquent AI is the first AI Operator built specifically for financial services to automate complex, regulated customer service operations beyond frontline support. \n\nOur AI Operator learns to securely navigate your existing systems simply by observing your standard operating procedures (SOPs)—automating up to 96% of tasks without any engineering effort.\n\n[Introducing Eloquent AI](https://youtu.be/vsPg2VFtSt4)\n\n**🙏Our Ask**\n\n**If you’re running a fintech or insurtech and looking to automate customer service operations, we’d love to help.** Just reach out at [founders@eloquentai.co](mailto:founders@eloquentai.co).\n\n**❌ The Problem**\n\nFinancial institutions want AI-driven efficiency, yet adoption remains below 1%. Why? Generic AI agents fail in regulated environments due to: \n\n↳ Constant hallucinations \n\n↳ Compliance risks\n\n↳ Heavy engineering requirements stalling action automation\n\nFinancial services require AI built specifically for regulated workflows—seamlessly integrated into legacy systems, delivering reliable actions, not dead-end conversations.\n\n![uploaded image](/media/?type=post&id=90355&key=user_uploads/2611648/abf0478b-90df-4099-ada2-236b3510cb84)\n\n**✅ Eloquent AI: End-to-end customer support automation. Zero APIs required.**\n\nUnlike  generic AI agents, Eloquent AI goes beyond frontline support to fully automate customer support end-to-end. Instead of relying on cumbersome API integrations that require long dev cycles, our AI Operator learns directly from observing your SOPs and team’s actions, securely navigating your internal systems exactly as human agents do.\n\n**Automate complex, multi-party workflows**—unfreeze accounts, handle AML/KYC checks, adjust repayments, or update claim statuses without escalations.\n\n**Deploy rapidly with no internal engineering required**—Eloquent AI learns securely by observing your team through multimodal technology, enabling our operator to reason and interact across both language and visual inputs.\n\n**Ensure compliance effortlessly** with our proprietary LLM, Oratio, trained specifically on your financial regulations for secure, auditable interactions.\n\n**Integrate seamlessly**—connect AI directly to your CRM, databases, and support platforms for chat, voice and email support.\n\n**Confidently resolve complex queries**, ensure accurate routing, and eliminate hallucinations through continuous simulation and rigorous evaluation.\n\n**🚀 The Impact**\n\nTrusted by leading financial institutions, Eloquent AI drives immediate operational efficiency:\n\n* **24/7 Coverage:** Consistent, high-quality customer experience across all channels.\n* **Up to 96% Automation**: Scalable automation handling nearly all regulated customer requests.\n* **4x Cost Reduction:** Significant operational savings, achievable in weeks.\n\n![uploaded image](/media/?type=post&id=90355&key=user_uploads/2611648/9e7d65b6-d1d6-4728-895e-c7d72e1444f7)\n\n## **See What Eloquent AI Can Do For You**\n\nTired of wrestling with generic AI and manual workflows? Eloquent AI gives you fully automated, compliant customer operations—with zero coding required.\n\n📅 Book your demo: https://calendly.com/tugce-eloquentai/demo\n\n📬Reach us directly: [founders@eloquentai.co](mailto:founders@eloquentai.co)\n\n**Founders**\n\nEloquent AI is founded by [Tugce Bulut](https://www.linkedin.com/in/tugcebulut/), a second-time entrepreneur with deep expertise deploying large-scale AI solutions for Fortune 500 enterprises, and [Dr. Aldo Lipani](https://www.linkedin.com/in/aldo-lipani/), a Machine Learning professor, who also runs a research lab specializing in multimodal LLMs.", "url": "https://www.ycombinator.com/launches/NVL-eloquent-ai-the-ai-operator-for-financial-services", "votes": 777, "created_at": "2025-05-13T16:56:25.704Z" } ] }, { "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": 30716, "name": "Finto", "slug": "finto-de", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f6adb7f41be65aa21db82cf58680bb6b24b1fdaa.png", "website": "https://www.gofinto.com/", "all_locations": "Munich, BY, Germany", "long_description": "Finto builds AI accounting software for enterprise finance teams. We automate the invoice-to-pay process from their email inbox to their ERP. Cutting out 80% of the accountants daily work in invoice recording, account coding and invoice approvals.", "one_liner": "AI accounting for enterprise finance teams", "team_size": 10, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1751218179, "tags": [ "Fintech", "B2B", "Enterprise", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Germany", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "We all combine deep domain expertise in mid-market and enterprise workflow automation. \r\n\r\nLorenz and Jonas worked together for 4+ years at TradeLink (SCM-SaaS backed by Point Nine, Insight), accompanying the path from 0 to product-market fit. Lorenz led Product; Jonas led Go-to-Market. Both quit their leadership roles to found Finto. \r\n\r\nKnowing each other from the Munich startup scene, Linus joined as Co-Founder & CTO. He was previously an early tech lead at Tacto (Procurement SaaS backed by Sequoia, Index), helping scale it from pre-seed to one of Europe’s largest Series A rounds in mid-market SaaS." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Enterprises with complex vendor supply chains produce vast amounts of incoming vendor invoices each year. A typical **mid-market enterprise processes \\~100k incoming invoices** **yearly**, and today, an accountant tops out at \\~10-20k invoices per year because the real grind is still manual: \r\n\r\n* Key-stroking invoice data to the ERP\r\n* Manual invoice review and compliance checks\r\n* Manual managing deviations with purchase orders\r\n* Manual allocate ledger accounts and cost center codes\r\n* Chasing approvals. That’s why enterprises still staff large accounting teams - or ship the work to shared-service centers." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "AI will write the final chapter of accounting software. What once required teams, training, and manual effort now happens in real-time - intelligently, autonomously, and at scale through agents. \r\n\r\nFinto is our contribution to this future. As AI agents become capable of understanding context, learning from company-specific data, and executing complex workflows, entire job profiles will shift away from manual execution. With its predictable but intricate schemes, accounting is poised to be one of the first areas transformed. \r\n\r\nDoubling down on our domain expertise, we are on a mission to **take the manual out of accounting**." } ], "url": "https://www.ycombinator.com/companies/finto-de", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/finto-de.json", "year_founded": 2025, "city": "Munich", "country": "DE", "linkedin_url": "https://www.linkedin.com/company/fintoai/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/finto-a994", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f6adb7f41be65aa21db82cf58680bb6b24b1fdaa.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/897790f5a97b38600e585ebd8a1b1a17e7fb809f.png" ], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 517834, "full_name": "Jonas Morgner", "title": "Founder/CEO", "founder_bio": "Co-Founder & CEO of Finto, building AI Accounting agents for enterprise finance teams.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jonasmorgner/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7f97605372b5d0ae1ac979c3e2c7f2ed491ba373.jpg" }, { "user_id": 2677901, "full_name": "Linus Boehm", "title": "Founder/CTO", "founder_bio": "Co-Founder & CTO of Finto, building AI Accounting agents for enterprise finance teams.\nFormer Engineering Lead @ Tacto - the intelligent procurement engine for enterprises. Raised a $55M Series-A from Sequoia and Index. Started there as first full time employee.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/linus-boehm/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6c3067d349d15aae05c2fb6d8bb70af8203637f4.jpg" }, { "user_id": 2140494, "full_name": "Lorenz Neuner", "title": "Founder/CPO", "founder_bio": "Co-Founder & CPO of Finto, building AI Accounting agents for enterprise finance teams.\nFormer Product Lead @ TradeLink - a supply chain management software for enterprises. Raised $15M from Insight Partners and Point Nine. Started among the first employees.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lorenz-neuner/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/541755a427a44a2ca6441bbce20da9487ac8ccdb.jpg" } ], "jobs": [ { "id": 80796, "title": "Product Engineer", "url": "https://www.ycombinator.com/companies/finto-de/jobs/zgep090-product-engineer", "location": "Munich, BY, DE / Munich, Bavaria, DE", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "€60K - €130K EUR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Node.js", "React", "TypeScript" ] }, { "id": 85656, "title": "(Senior) Solution Engineer", "url": "https://www.ycombinator.com/companies/finto-de/jobs/9rF94y6-senior-solution-engineer", "location": "Munich, BY, DE / Munich, Bavaria, DE", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "€50K - €80K EUR", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [ "SQL" ] } ], "news": [], "launches": [ { "id": 92119, "title": "Finto - AI Accounting for Enterprises", "tagline": "The AI accounting software for enterprise finance teams", "body": "**Finto - AI Accounting for Enterprises**\n\nhttps://www.youtube.com/watch?v=otqOvfepgKQ\n\n**TL;DR**\n\nFinto builds an AI accounting software for enterprise finance teams. We automate the invoice-to-pay process from their email inbox to their ERP including invoice handling, supplier communication, 3-way matching, and ERP data entry.\n\n**Problem**\n\nEnterprises with complex vendor supply chains produce vast amounts of incoming vendor invoices each year. A typical **mid-market enterprise processes \\~100k incoming invoices** **yearly**, and today’s legacy tools force accountants to top out at a fraction of the volume: Real manual grunt work still remains:\n\n* Handling hundreds of mails and documents a day\n* Key-stroking invoice data to the ERP\n* Manual invoices checks and account coding\n* Manual managing deviations with purchase orders\n* Chasing approvals\n\nThat’s why enterprises still staff large accounting teams - or ship the work to shared-service centers. Our mission is to free the world’s finance teams from repetitive, low-value tasks so they can focus on impactful work. That starts with building a place where everyone can do their best work.\n\n**Solution**\n\nWe build a platform embedding AI agents to automate the end-to-end invoice-to-pay cycle:\n\n1. **Classify** inbox documents (invoice, receipts, reminder)\n2. **Read** invoices at **99%+ accuracy** - even on line item level\n3. **Check** on vendor, tax, bank, and compliance data\n4. **Email vendors** automatically if something’s off\n5. **Understand & code** ledger, cost-center or project numbers\n6. **Three-Way-Match** invoice orders with POs and GRs\n7. **Collect** **&** **chase** required approvals\n8. **Post to ERP**\n\n**Team**\n\n![uploaded image](/media/?type=post&id=92119&key=user_uploads/517834/3c1f90e4-a068-4456-9e57-cdc10fe024d3)\n\nWe combine deep domain expertise in enterprise workflow automation. \n\n[Lorenz](https://www.linkedin.com/in/lorenz-neuner/) and [Jonas](https://www.linkedin.com/in/jonasmorgner/) worked together for 4+ years at TradeLink (European Logistics-SaaS backed by Point Nine, Insight Partners), accompanying the path from 0 to product-market fit. Lorenz led Product; Jonas led Go-to-Market. Both quit their leadership roles to found Finto. \n\nKnowing each other from the Munich startup scene, [Linus](https://www.linkedin.com/in/linus-boehm/) joined as Co-Founder & CTO. He was previously an early tech lead at Tacto (Procurement-SaaS backed by Sequoia, Index), helping scale it from pre-seed to one of Europe’s largest Series A rounds in mid-market SaaS.\n\n**CTA**\n\nYou’re interested in our product? [Book your demo here](https://www.finto.de/request-demo).\n\nIf you know a CFO or accounting leader, we are eager to help them make their process more efficient - please reach out: [jonasm@finto.de](mailto:jonasm@finto.de)\n\nFollow us on [LinkedIn](https://www.linkedin.com/company/fintoai/) or visit our [website](https://www.finto.de/).", "url": "https://www.ycombinator.com/launches/Nxn-finto-ai-accounting-for-enterprises", "votes": 250, "created_at": "2025-07-14T17:08:56.135Z" } ] }, { "id": 30719, "name": "ProcIndex", "slug": "procindex", "former_names": [ "Inbox0", "April" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/55b886e3f926718d32add5ccfdea06761c40b243.png", "website": "https://procindex.com/", "all_locations": "San Francisco, CA, USA", "long_description": "ProcIndex uses AI to automate accounting operations for the construction and manufacturing sectors.\r\n\r\nIt connects to your existing ERP and operates in the background while giving you full visibility into its actions. By automating accounts payable, accounts receivable, reconciliation, and vendor management, ProcIndex helps accounting teams improve efficiency by 33%.", "one_liner": "AI-powered accounting automation for construction and manufacturing", "team_size": 4, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1753405058, "tags": [ "Fintech", "Finance", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/procindex", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/procindex.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/procindex", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/55b886e3f926718d32add5ccfdea06761c40b243.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": 1630402, "full_name": "Neha Suresh", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO @Procindex | Engineer | Builder | Early Zoho Books | CMU alum\n\nCMU alum, previously led engineering at Zoho where I helped build the accounting platform for the Middle Eastern & Indian markets. \nFounding engineering team @Zoho Books India\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/nehasuresh1904", "x_url": "https://x.com/Neha_Suresh_M/", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/67040fe0ca29b7909af18de4479c7d9929e15fc5.jpg" }, { "user_id": 605060, "full_name": "Akash Thakur", "title": "Founder/CTO", "founder_bio": "Building Procindex | Ex-Apple", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/akashthakur1203", "x_url": "https://x.com/vedhsaka", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/36822d7333461c70706167850c6c4420e1fc0409.jpg" } ], "jobs": [ { "id": 92622, "title": "Software engineer - 2", "url": "https://www.ycombinator.com/companies/procindex/jobs/n9LdkKd-software-engineer-2", "location": "IN / Remote (IN)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "₹1.5M - ₹2M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "Y Combinator S25: The Full Batch - by Ollie Forsyth", "url": "https://www.neweconomies.co/p/ycstartups2025", "date": "Sep 08, 2025" }, { "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": 30786, "name": "Munify", "slug": "munify", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/905f3adbeab084e1762af3c3a57f96b6c781d02f.png", "website": "https://munify.ai", "all_locations": "Orlando, FL, USA; Remote", "long_description": "Munify is the cross-border Neobank for the Middle East and its diaspora. Instantly open a USD account, get a virtual card, and send money home at the best rates, all from one app.", "one_liner": "The Cross-Border Neobank for the Middle East", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1755868164, "tags": [ "Fintech", "Consumer", "B2B", "Consumer Finance", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/munify", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/munify.json", "year_founded": 2025, "city": "Orlando", "country": "US", "linkedin_url": "https://www.linkedin.com/company/munifyai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/905f3adbeab084e1762af3c3a57f96b6c781d02f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1987451, "full_name": "Khalid Ashmawy", "title": "Founder/CEO", "founder_bio": "Founder & CEO at Munify (YC S2025), building a cross-border Neobank for the Middle East and its Diaspora. Previously founded Huspy (Sequoia-backed Series B, doing $7B in transactions annually). Before that, 10 years leading engineering teams at Microsoft and Uber.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/khalidashmawy/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6ea27c261be1619c286a0e8568062732e04ed837.jpg" } ], "jobs": [], "news": [ { "title": "Microsoft and Uber alum raises $3M for YC-backed Munify, a neobank for the Egyptian diaspora | TechCrunch", "url": "https://techcrunch.com/2025/08/29/microsoft-and-uber-alum-raises-3m-for-yc-backed-munify-a-neobank-for-the-egyptian-diaspora/", "date": "Aug 29, 2025" } ], "launches": [] }, { "id": 30797, "name": "Veritus", "slug": "veritus", "former_names": [ "Veritus Agent" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a784e9084818b8c7af26cd462448e7fd4415c18b.png", "website": "https://www.veritus.com", "all_locations": "San Francisco, CA, USA", "long_description": "Veritus is a omni-channel platform for deploying AI agents for loan servicing and collections, including inbound and outbound voice agents. Our agents negotiate repayment plans, follow up across channels, and drive recoveries with zero human involvement.\r\n\r\nBy combining cutting edge voice AI with deep regulatory compliance and vertical specialization we're able to drastically reduce the cost-to-collect while increasing recovery rates. ", "one_liner": "AI agents for the consumer lending industry", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1753735109, "tags": [ "Fintech", "Lending", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/veritus", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/veritus.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/veritus-agent/", "x_url": "https://x.com/veritusagent", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a784e9084818b8c7af26cd462448e7fd4415c18b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 2833935, "full_name": "Joshua March", "title": "Founder/CEO", "founder_bio": "I’m the Founder & CEO of Veritus Agent, an AI agent platform the consumer lending industry. I’ve been a serial founder with multiple exits, including enterprise SaaS company Conversocial, acquired by Verint (VRNT), and I was the co-founder & CEO of a16z-backed SCiFi Foods. I’m also the author of Message Me, a book about the future of customer service in the era of AI and social media. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joshuamarch/", "x_url": "https://www.x.com/joshuamarch", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e4dd6e8ed88496382b6a27b6ab4a143cbe1724c2.jpg" }, { "user_id": 2884935, "full_name": "David Schlesinger", "title": "Founder", "founder_bio": "Co-founder at Veritus Agent. 10+ experience in startups including Divvy Homes and Cloudflare.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/davidschles/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/74d258685a8f33c0d38c8fd42106a76c0f497fdb.jpg" }, { "user_id": 2397, "full_name": "Joseph Stein", "title": "Founder", "founder_bio": "Co-founder of Veritus Agent, an AI-powered debt buyer and collections platform. 10+ years in startups, including one acquired by Fitbit → Google", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/josephstein1", "x_url": "https://www.x.com/josephstein", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b6946906dd3ceffaee99102a127adcf1a2cf0cbb.jpg" } ], "jobs": [ { "id": 88326, "title": "Forward Deployed Software Engineer", "url": "https://www.ycombinator.com/companies/veritus/jobs/ikiycL5-forward-deployed-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $200K", "equity_range": "0.10% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 92571, "title": "Full Stack Engineer", "url": "https://www.ycombinator.com/companies/veritus/jobs/pfkev5c-full-stack-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $250K", "equity_range": "0.20% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102215, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/veritus/jobs/bcAsnPw-founding-account-executive", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$180K - $220K", "equity_range": "0.10% - 0.25%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112658, "title": "Customer Success Manager (Growth)", "url": "https://www.ycombinator.com/companies/veritus/jobs/VK812Ko-customer-success-manager-growth", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$120K - $150K", "equity_range": "0.05% - 0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 92595, "title": "Veritus — AI voice agents for lenders from origination through collections", "tagline": "AI agents that help lenders improve conversion rates, decrease servicing costs, and increase recoveries", "body": "Hi YC,\n\n**We’re excited to introduce Veritus Agent,** founded by [Joshua March](https://www.linkedin.com/in/joshuamarch/), [Joey Stein](https://www.linkedin.com/in/josephstein1/), and [David Schlesinger](https://www.linkedin.com/in/davidschles/) to help lenders improve conversion rates, decrease servicing costs, and increase recoveries by deploying voice agents across their operations. \n\nJoshua is a serial entrepreneur and the former CEO of Conversocial, which became the leading platform for social media customer service before its acquisition by Verint. Joey and David are seasoned software engineering leaders who met while building core systems at Divvy Homes, the pioneering billion-dollar rent-to-own fintech.\n\n**The U.S. consumer lending market is enormous,** spanning origination, servicing, and collections. In the U.S. alone, consumer credit originations total over $4 trillion annually, while outstanding loans across all categories exceed $18 trillion. The collections segment is responsible for recovering roughly $100 billion from a pool of over $400 billion in delinquent debt. These businesses are all high-touch and highly regulated, yet they remain dominated by manual, phone-based and mail-based outreach—resulting in high operational costs, poor borrower experiences, and billions in missed revenue.\n\n**Everyone in the space is talking about voice AI, but very few are deploying it effectively.** Lenders and collections agencies today are forced to choose between generic AI platforms that lack regulatory rigor or vertical-specific vendors that offer turnkey solutions with no room for customization.\n\n**At Veritus, we’re combining decades of loan servicing experience with deep expertise in agentic workflows to deliver a scalable, configurable AI platform.** Our agents can handle both inbound and outbound conversations while maintaining full context across voice, SMS, email, and chat; they’re regulation compliant right out of the box; and they can be tuned to match a lender’s brand, tone, and negotiation policies. Most importantly, they operate with perfect consistency—24/7.\n\nWe are licensing our platform to lenders, fintechs, servicers, and collections agencies across the entire loan servicing stack; while also getting fully licensed as a collections agency in all fifty US states and buying and collection on our own charged-off consumer debt. This hybrid model gives us exposure to both high-margin software revenue and the upside of direct collections.\n\nOur agents are already live today, executing both first-party collections and loan origination workflows.\\\n\\\n**We’re now looking for new design partners—lenders, servicers, fintechs, or collections agencies—who want to increase recovery rates, reduce costs, and modernize their approach to customer contact.** \\\n\\\nIf that’s you, get in touch: [founders@veritusagent.ai](mailto:founders@veritusagent.ai)\n\n![uploaded image](/media/?type=post&id=92595&key=user_uploads/2833935/52cb8722-d224-4d08-935a-c3efa7d0722d)\n\n", "url": "https://www.ycombinator.com/launches/O5T-veritus-ai-voice-agents-for-lenders-from-origination-through-collections", "votes": 21, "created_at": "2025-07-31T07:35:20.206Z" } ] }, { "id": 30798, "name": "Ruvo", "slug": "ruvo", "former_names": [ "Cacao" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bf922f186766cb3591cc2c3c89facdcee263517.png", "website": "https://ruvo.com/", "all_locations": "São Paulo, SP, Brazil", "long_description": "Ruvo is a global account for receiving, holding, and moving money between USD and BRL.\r\n\r\nWe connect Pix, crypto, and Visa so you can receive USD from abroad, convert between USD and BRL in minutes, send money to the U.S., spend worldwide, and save in digital dollars with yield — all in one place.\r\n\r\nRuvo supports both personal (CPF) and business (CNPJ) accounts, with low fees, strong security, and direct Pix settlement.\r\n\r\nFormerly known as Cacao.\r\n", "one_liner": "The Global Dollar App for Brazil", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1754882271, "tags": [ "Fintech", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ruvo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/ruvo.json", "year_founded": 2025, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/ruvohq", "x_url": "https://x.com/ruvopay", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/cacao-1d6c", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bf922f186766cb3591cc2c3c89facdcee263517.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/0bbe327f0e9edadad55ed948937702df4d09a781.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1127436, "full_name": "Alec Howard", "title": "Founder/CEO", "founder_bio": "Co-Founder and CEO of Ruvo (formerly Cacao). Ex-Uber & previous Head of Marketing at Gauntlet AI (Lambda School, YC S17)", "is_active": true, "linkedin_url": "https://linkedin.com/in/alexandermhoward", "x_url": "https://x.com/alecmhoward", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/12f741689b5e2b265e87df0c2977958634555a9b.jpg" }, { "user_id": 2714901, "full_name": "Michael Mason", "title": "Founder/CTO", "founder_bio": "Co-Founder & CTO of Ruvo. Previous Co-Founder & head of Product & Engineering at Mercato.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mason-michael/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/73844158feab0958a42472bee8f1e39e497389a8.jpg" } ], "jobs": [], "news": [ { "title": "O americano ex-Uber que se impressionou com o Pix no Brasil e criou uma fintech de R$ 1 bilhão | Exame", "url": "https://exame.com/negocios/o-americano-ex-uber-que-se-impressionou-com-o-pix-no-brasil-e-criou-uma-fintech-de-r-1-bilhao/", "date": "Sep 24, 2026" }, { "title": "Ruvo capta US$ 4,6 milhões para modernizar remessas entre Brasil e EUA ", "url": "https://startupi.com.br/ruvo-capta-us-46-milhoes/", "date": "Feb 02, 2026" }, { "title": "Ruvo, a fintech do ex-Uber que facilita um ‘Pix’ entre Brasil e EUA - Brazil Journal", "url": "https://braziljournal.com/ruvo-a-fintech-do-ex-uber-que-facilita-um-pix-entre-brasil-e-eua/", "date": "Jan 20, 2026" }, { "title": "Ruvo: a solução ideal para brasileiros que recebem em dólar e precisam converter para reais com rapidez, transparência e taxas mínimas. - Bitcoin Block | Notícias & Blockchain", "url": "https://bitcoinblock.com.br/2025/12/15/a-solucao-ideal-para-brasileiros-que-recebem-em-dolar/", "date": "Dec 15, 2025" }, { "title": "Inside YC's Hottest Startups - by Ollie Forsyth", "url": "https://www.neweconomies.co/p/inside-ycs-hottest-startups-of-2025", "date": "Oct 18, 2025" } ], "launches": [ { "id": 92888, "title": "Cacao - Brazilians can now receive USD & crypto instantly", "tagline": "Get paid in USD or stablecoins, spend with a Visa card, and withdraw to Pix", "body": "## **Hey everyone**\n\nWe’re Carlos, Alec, and Mike - co-founders of **Cacao.**\n\n### **TL;DR**\n\n**Cacao helps Brazilians receive USD or crypto and instantly convert to Reais (BRL), straight to Pix - all in one mobile app.**\n\n![uploaded image](/media/?type=post&id=92888&key=user_uploads/1127436/c35585c5-8ede-4cce-8a44-2b0cf1574a51)\n\nPIX is Brazil’s instant, free, 24/7 payment system created by the Central Bank.\n\nWhether you're a remote worker, freelancer, software engineer, content creator, or receiving remittances, Cacao gets your money home faster, cheaper, and with zero bureaucracy.\n\n**Try the app:**[ ](https://www.cacaofi.com/en)[https://www.cacaofi.com/](https://www.cacaofi.com/%5C)\\\n**Contact us**: [founders@cacaofi.com](mailto:founders@cacaofi.com)\\\n\\\nhttps://www.youtube.com/watch?v=gEbsfiKngvU\n\n\\\n**The Problem**\n\nMillions of Brazilians earn money from abroad - whether working for global tech companies, freelancing, creating content, teaching online, or receiving remittances from family. But moving money back to Brazil is still:\n\n* **Slow** - transfers take 1–3 business days\n* **Expensive** - with hidden FX fees and SWIFT charges\n* **Frustrating** - requiring multiple accounts, platforms, and workarounds\n\nCarlos tried to pay Brazilian engineers from the US and saw firsthand how broken it is. Fintechs keep building on top of SWIFT. But **SWIFT is the problem**. Cacao replaces it with faster, cheaper rails: stablecoins + Pix.\\\n\\\n**Our Solution**\n\n---\n\nCacao is the best app for Brazilians who are receiving income from abroad.\n\nBuilt with speed, transparency, and flexibility in mind:\n\n* **Receive USD or USDT** via ACH, Wire, RTP, or crypto\n* **Store securely** in a stablecoin (USDT) wallet\n* **Withdraw instantly** to Reais (BRL) via Pix - 24/7, 365 days\n* **Spend in USD** globally with a Visa Platinum card (Apple & Google Pay)\n* **Send and receive crypto** wallet-to-wallet (crypto ↔ crypto is free)\n* **Load your wallet with Pix** - BRL → USDT directly\n* **Track everything** in one intuitive mobile app, with local support in Portuguese\n\n**Pricing:**\n\n* 0.9% on USD deposits\n* 0.9% on Pix withdrawals\n* 1% on card usage\n* **Free crypto ↔ crypto transfers**\n* **Live FX rates** that beat the mid-market rate by 1-2%\n\n**Who It’s For**\n\nCacao is built for Brazilians who get paid from abroad:\n\n* **Freelancers** - devs, designers, PMs, translators, consultants.\n* **Creators** - YouTubers, Kick & Twitch streamers, influencers.\n* **Remote workers** - employed by global companies\n* **Remittance recipients** - family sending money home\n* **Educators** - Udemy, Coursera instructors\n* **Platform earners** - Upwork, Deel, Fiverr, Remote, Ontop, Workana\n* **Foreigners in Brazil** - US tourists and expats using Pix to pay and get paid\n\nGet paid from anywhere. Avoid high fees. Access your money on your terms.\\\n\\\n**Our Ask**\n\nIf you answer “yes” to any of these, we’d love your help:\n\n1. **Do you pay Brazilian freelancers or employees?** \\\n We make receiving income abroad instant and affordable.\n2. **Run a global platform (payroll, freelance, creator)?**\\\n Let’s partner.\n3. **Know Brazilians who earn from abroad or use crypto?**\\\n Share Cacao with them.\n4. **Want to try it yourself or give feedback?**\\\n Download:[ https://www.cacaofi.com/en](https://www.cacaofi.com/en)\n\n📩 [founders@cacaofi.com](mailto:founders@cacaofi.com)\n\nObrigado - let’s make Pix global 🇧🇷💸\n\n![uploaded image](/media/?type=post&id=92888&key=user_uploads/1127436/fb386a2c-9bf5-46ba-9ca5-39d1ed47cd7c)\n\n", "url": "https://www.ycombinator.com/launches/OAC-cacao-brazilians-can-now-receive-usd-crypto-instantly", "votes": 61, "created_at": "2025-08-15T22:24:23.856Z" } ] }, { "id": 30886, "name": "Clerked", "slug": "clerked", "former_names": [ "Mod AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/84eedde0d0f019eaafca3d59004098b0b94f6ffb.png", "website": "https://clerked.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Fully automate your accounts payable with the most advanced AI clerks in the world.\r\n\r\nThen ask them anything about your spend. They build custom reports, find savings, and tell you exactly when to pay to protect cash flow and capture discounts.\r\n\r\nClerked is the only AP platform that lets you manage your payables entirely from your phone, in Teams, Slack or iMessage.\r\n\r\nSee it work at clerked.ai", "one_liner": "AI clerks that automate your payables", "team_size": 3, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1759171972, "tags": [ "Fintech", "Finance", "Enterprise", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/clerked", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/clerked.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/clerked-ai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/84eedde0d0f019eaafca3d59004098b0b94f6ffb.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": 1635968, "full_name": "Evan Meyer", "title": "Founder/CEO", "founder_bio": "CEO @ Clerked\n\nStudied CS + Stats at UIUC and worked in data, ML, AI at LinkedIn and a couple of startups.", "is_active": true, "linkedin_url": "https://linkedin.com/in/evanameyer", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/81107bf69f7a35f50950e37d47296f47cbb3e6e0.jpg" }, { "user_id": 2058253, "full_name": "Sunjeet Chugh", "title": "Founder/CTO", "founder_bio": "CTO @ Clerked (formerly Mod AI).\n\nOn leave from studying CS & Statistics @ UIUC, previously worked on applied AI and distributed systems at Amazon, Adyen, and Retail/CPG companies.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jeetchugh/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/08af39a0f3c84576e9352607ed3b99f60d92d3b9.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 94606, "title": "Mod AI: Automating Accounts Payable with AI Agents", "tagline": "Where AP runs itself", "body": "Hey everyone 👋\n\nWe’re [Evan](https://www.linkedin.com/in/evanameyer/) and [Jeet](https://www.linkedin.com/in/jeetchugh/) – co-founders of [Mod AI](https://usemod.ai).\n\n# **TL;DR**\n\n**Mod AI automates the manual work of processing invoices for growing enterprises.** We’ve already helped accounting teams of 1-20+ streamline their invoice processing by 83%.\n\n**_Ask:_** Can you introduce us to CFOs, controllers, Accounting Directors, or Accounts Payable managers of mid to large companies that could benefit from streamlining their accounting processes with AI? Contact us at [evan@mod-ai.org](mailto:evan@mod-ai.org)\n\nhttps://youtu.be/XaT6mEQnWmE\n\n# ❌ The Problem\n\nMost growing enterprises still process invoices manually—hiring AP clerks to comb through inboxes, type up documents, and chase approvals. As volume grows, they scramble to add more headcount or outsource to expensive temps.\n\nThis creates three major pains:\n\n1. **Cash flow blindness** – No visibility until month-end close\n2. **Unscalable manual work** – More invoices means more clerks (highest-turnover role in finance)\n3. **Vendor relationship damage** – Late payments and errors erode trust\n\nWe talked to 23 CFOs last month—nearly all said their AP process couldn't scale.\n\n# 👷 Our Solution\n\nMod AI deploys AI agents that handle your accounts payable process end-to-end—from the moment an invoice arrives to the moment it's paid and synced to your books. Companies simply connect their systems and instantly get:\n\n* **Complete invoice capture** 📥**:** Auto-pull from email, supplier portals, EDI, physical mail\n* **Intelligent processing** 🧠**:** 97%+ accurate GL coding, 2-way/3-way matching, fraud detection\n* **Seamless approval & payment** ✅**:** Custom workflows, one-click approvals, direct sync to accounting software\n\n**Result:** Real-time spend visibility, 10x invoice volume without hiring, and stronger vendor relationships.\n\n# 🙏 Our Ask\n\nIf you answer \"yes\" to any of these, we'd love your help:\n\n* **Do you know any mid-market CFOs, Controllers, or VP Finance leaders** whose AP teams are drowning in manual invoice work? Or are you one yourself? We'd love to show you a demo and discuss how Mod AI can help you scale without adding headcount.\n* **Can you introduce us to any finance operations networks or communities** where leaders are looking for AI solutions to automate back-office work?\n* **Can you introduce us to any accounting firms, fractional CFO groups, or ERP consultants** who work with mid-market companies in financial services, insurance, or manufacturing?\n\n👉 **Contact us at [evan@mod-ai.org](mailto:evan@mod-ai.org)**", "url": "https://www.ycombinator.com/launches/Obu-mod-ai-automating-accounts-payable-with-ai-agents", "votes": 13, "created_at": "2025-10-14T14:37:44.360Z" } ] }, { "id": 30922, "name": "Selfin", "slug": "selfin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c62fd75050245643921b794ea15f1786d2ee9033.png", "website": "https://selfin.app", "all_locations": "San Francisco, CA, USA", "long_description": "Bring us risk. We’ll find the market. Institutional liquidity for event-driven exposure across prediction markets.\r\n", "one_liner": "Institutional liquidity across prediction markets", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1759770880, "tags": [ "Fintech", "Finance", "Investing", "Trading" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/selfin", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/selfin.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/selfinltd/", "x_url": "https://x.com/Selfin_app_", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/selfin-58f3", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c62fd75050245643921b794ea15f1786d2ee9033.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b6db09708d732386c0e6db60101a970af10ea16c.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1207076, "full_name": "Paula Gutierrez", "title": "Founder/CEO", "founder_bio": "-Aerospace @Imperial, MIT, UC Berkeley\n-Quant @Bank of America, NASA, Rolls Royce, Software engineer startups", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/paula-gutierrez-/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f74ab30ecdd25ba29f791a5ddc2cd8b14079639f.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 95468, "title": "Selfin: building the first AI Bank 🏦", "tagline": "All in one financial platform where you can connect all your financial products", "body": "Hey everyone! 👋\n\nWe are [Paula](https://www.linkedin.com/in/paula-gutierrez-/) and [Joel](https://www.linkedin.com/in/joel-tomas-pimentel/), co-founders of [Selfin](https://selfin.app).\n\n# **TL;DR**\n\nWe are **building the first AI Bank**. We are starting with an all in one financial platform where you can connect all your financial products: credit, investments, crypto, 401k, savings and get personalised recommendations powered by AI.\n\nhttps://youtu.be/yOUaWeDQfk8\n\n# **The problem ❌**\n\n**Banking is painful.**\n\nYour money is scattered across different apps that don’t talk to each other, leading to bad rates, high fees, and poor financial choices. If you actually want to manage your finances properly, you end up juggling budgeting tools, spreadsheets, and hours of research.\n\n# **The solution ✅**\n\nThat’s why we’re building Selfin. We want to create a banking experience with full context of your personal situation. Our mission is to create personalised financial products and ultimately build the first large AI-native neobank in the US.\n\nWe’re starting with an AI-powered assistant that acts for you, using financial agents to automate everything. And we will incorporate further banking products along the way.\n\n![uploaded image](/media/?type=post&id=95468&key=user_uploads/2892767/e3a9f229-6525-4570-8f67-ecd36ebdf3b8)\n\n# **The team** 🚀\n\nWe met each other while studying at Imperial in the UK, and after moving to the US to finish our master’s thesis at MIT & Stanford, we realised how lagging the US banking experience was compared to other places.\n\nWe couldn't stand the status quo, so we're fixing it.\n\nPaula - Aerospace Eng grad from Imperial & MIT, previously worked at NASA and BofA\n\nJoel - Aerospace Eng grad from Imperial & Stanford, previously worked at BCG\n\n# **Our Ask 💬**\n\n**Get early access and become one of our beta testers** at [www.selfin.app](http://www.selfin.app)\n\nWe are determined to build something people want, so if you want to help us shaping our product with your feedback, join the waitlist and/or contact us:\n\n[admin@selfin.app](mailto:admin@selfin.app)", "url": "https://www.ycombinator.com/launches/Opo-selfin-building-the-first-ai-bank", "votes": 757, "created_at": "2025-11-12T22:01:40.193Z" } ] }, { "id": 30945, "name": "Zalos", "slug": "zalos", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e1e6ee7d8a3b596506042ea8802d90c9c4292a17.png", "website": "https://www.zalos.ai/", "all_locations": "London, England, United Kingdom", "long_description": "Zalos is the Finance Automation Workbench for enterprise finance teams.\r\n\r\nZero Integrations | Transparent Decisioning | Outcome-based Pricing\r\n\r\nLearn more at www.zalos.ai/contact-us\r\n\r\nZalos AI Workers automate processes with improved accuracy, controls & auditability, using a Finance-specific agent harness & skill library.\r\n\r\nBacked by Y Combinator, 14 Peaks, Cohen Circle and strategic angels such as CFO Fedex, Board Member TA Associates, COO Deel and more.\r\n\r\nHire Zalos AI workers such as:\r\n• Zalos AI Staff Accountant\r\n• Zalos AI Billing Analyst\r\n• Zalos AI AP Analyst\r\n• Zalos AI Treasury Manager\r\n\r\nAnd more. Discuss your enterprise finance transformation at www.zalos.ai/contact-us", "one_liner": "Hire Zalos AI workers to run your finance department", "team_size": 10, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1759103907, "tags": [ "Fintech", "Finance", "Enterprise", "Billing", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United Kingdom", "Europe" ], "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": "Finance processes do not live in one system. They run across ERPs, portals, spreadsheets and inboxes that do not connect cleanly. People move data and resolve the same exceptions by hand every month.\r\n\r\nZalos AI Workers operate those systems the way a finance team does, with tighter controls, accuracy and auditability, using a finance-specific agent harness & skill library.\r\n\r\n**WHY FINANCE TEAMS CHOOSE ZALOS** \r\n\r\n1\\. ZERO SYSTEM INTEGRATION \r\n\r\nAI Workers log in and use your systems through the user interface, as your team does. There are no API integrations to build and no software to replace. \r\n\r\n2\\. TRANSPARENT DECISIONING \r\n\r\nDecisions follow deterministic rules, not model judgement. Decision logic, inputs and controls are traceable and ready for audit, with linked workbooks and timestamped run logs behind every entry. \r\n\r\n3\\. OUTCOME-BASED PRICING\r\n\r\nROI secured by Zalos solving last-mile work, then customer starts subscription when criteria met." } ], "url": "https://www.ycombinator.com/companies/zalos", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/zalos.json", "year_founded": 2025, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/zalos/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e1e6ee7d8a3b596506042ea8802d90c9c4292a17.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/f7e524b37043948e82ce17c31ac512c4d8af84b5.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 42612, "full_name": "William Fairbairn", "title": "Founder/CEO", "founder_bio": "William was UK General Manager at Agicap, one of the leading ‘Office of the CFO’ startups in Europe (valued at ~$800m).\n\nHe previously was in McKinsey Tech practice, and built & exited a B2B SaaS.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/willfairbairn/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ec080db6feb17e7dcea5af731595718d513c4bbe.jpg" }, { "user_id": 2531337, "full_name": "Hung Hoang", "title": "Founder/CTO", "founder_bio": "Hung built Apple Pay products like Buy Now Pay Later, serving millions daily, and worked on AI initiatives at Apple and other AI startups (Twin.so, Gitguardian).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hxuanhung/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a54a8145817c1b3a9f8101446d01fa70ed01f395.jpg" } ], "jobs": [ { "id": 89202, "title": "Founding Product Engineer", "url": "https://www.ycombinator.com/companies/zalos/jobs/MbpksyV-founding-product-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£70 - £130 GBP", "equity_range": "0.20% - 1.00%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 95332, "title": "Senior AI Engineer", "url": "https://www.ycombinator.com/companies/zalos/jobs/q9x1zkX-senior-ai-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£70 - £140 GBP", "equity_range": "0.20% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Zalos Raises $3.6M To Bring Computer Agents To The CFO's Office", "url": "https://www.forbes.com/sites/ilonalimonta-volkova/2026/03/24/zalos-raises-36m-to-bring-computer-agents-to-the-cfos-office/", "date": "Mar 24, 2026" } ], "launches": [ { "id": 94182, "title": "⚡ZALOS: Computer Agents for Finance Operations", "tagline": "Automate repetitive Finance workflows like categorization & reconciliation, without changing Finance systems!", "body": "### **Eliminate your Finance Operations grunt work - NOW!**\n\n**Zalos Computer Agent:**\n\n⚡Logs into existing systems (e.g., ERP, Accounting, other CFO tools)\n\n⚡Automates Finance processes (e.g., reconciliation, categorization, form filling)\n\n⚡Uploads & submits in your system\n\nRequest demo here:[ ](https://bit.ly/4gJalwn)https://www.zalos.ai/contact-us\n\n**Our ask:** Send our website / YouTube to 5 friends in Midmarket / Enterprise Finance & Operation teams - thank you!\n\nhttps://youtu.be/tx5ymY7DZEU?feature=shared\n\n### **Why IS THIS?**\n\n# **The Blockers ➜ Your Finance Systems:**\n\nFinance Operations is buried in repetitive tasks, driving:\n\n❌ **Lack of financial visibility** for decision-making\n\n❌ **Wasted time** by in-house or outsourced teams\n\n❌ **Mistakes** and **delays** from human-driven processes\n\nBarriers to FinOps automation have included:\n\n🚨 **Legacy ERPs** with limited AI\n\n🚨 **Authentication-protected** websites & portals\n\n🚨 **Too many Finance Systems** that don’t speak to one another\n\nIt doesn’t have to be this way.\n\n# **The Breakthrough ➜ Zalos:**\n\nZalos Agents run your rule-based processes, using your existing Finance applications:\n\n⭐ Our agents **automate processe**s based on **simple instructions** (e.g., Screen Recording, PDFs)\n\n⭐ **Native handling of ERPs** or other applications (e.g., 2FA, Captcha)\n\n⭐ **Superior Finance & Accounting task performance**, including leveraging our **FinOps libraries** (e.g., System Access, Categorization, Reconciliation, etc.)\n\n![uploaded image](/media/?type=post&id=94182&key=user_uploads/42612/798b755c-d5bd-4b10-be1a-dd27ee7a41ff)\n\n⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻\n\n# **Customer story:**\n\n**FROM:** In the Bay Area, a Finance Manager was wasting 4 days (!) per month:\n\n✖️ Downloads transactions from Corporate Credit Cards & legacy Banks\n\n✖️ Uploads into NetSuite and manually categorizes 100s of transactions\n\n**USING ZALOS:** Finance Manager schedules ‘run process’ weekly:\n\n✔️ Zalos handles 2FA to download & submit required transactions\n\n✔️ Zalos operates NetSuite to categorize >60% outstanding transactions\n\nNo browser required: Zalos works silently in the background, continuously improving itself.\n\nGaining 1 day per week was transformational. The Finance Manager could:\n\n🟪 Reduce financial risks with closer inspection (e.g., debt covenants)\n\n🟪 Catch cash leakages by spotting suppliers being paid at generous terms\n\n🟪 Be a strategic partner to the CEO & business with better analysis\n\n⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻\n\nZalos **transforms** your Finance Operations:\n\n☑️ **Scale without headcount** - don’t let Operations teams be a bottleneck\n\n☑️ **Smarter every day**, with evals & RL-finetuning driving a self-performing system\n\n☑️ **Built for Enterprise-grade security** and screen records every automation for audit\n\nRequest demo here:[ ](https://bit.ly/4gJalwn)https://www.zalos.ai/contact-us\n\n⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻⸻\n\n# The Team\n\n**William** was UK General Manager at Agicap, one of the largest ‘Office of the CFO’ startups in Europe, after working at McKinsey. He previously built & sold a bootstrapped B2B SaaS.\n\n**Hung** built Apple Pay products like Buy Now Pay Later, serving millions daily, and led on other AI initiatives at Apple, alongside working for other great AI startups.\n\n## **⚔️ We’re on a war path to automate repetitive Finance tasks⚔️**\n\n➡➡ Request demo here:[ ](https://bit.ly/4gJalwn)https://www.zalos.ai/contact-us\n\n📩📩 **Questions?** Email me at: [will@zalos.ai](mailto:will@zalos.ai)\n\n🙏🙏 **Our ask:** Send our website / youtube video to 5 friends in Finance / Operations - thank you!", "url": "https://www.ycombinator.com/launches/OV4-zalos-computer-agents-for-finance-operations", "votes": 324, "created_at": "2025-09-29T14:00:21.640Z" } ] }, { "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": 31083, "name": "Kita", "slug": "kita", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e2c404c5bbc49c9c8e25d9c60779b50f507ba65.png", "website": "https://www.kita.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "In emerging markets, open finance is still nascent. Most of the population is traditionally unbanked, banking APIs don’t exist, and a borrower’s financial history lives in documents: e-wallet records, bank statements, utility bills, and more. Because this data is unstructured, credit and risk teams are forced into manual review. This slows decisioning, increases costs, and caps lending volume. \r\n\r\nKita is the AI platform for global lending operations. We help lenders in emerging markets automate application completion, document verification, and underwriting from messy financial documents — using AI to extract fraud-checked data and localized risk signals that power faster, better credit decisions.\r\n\r\nUnder the hood, Kita is a learning engine. We link document-level signals to repayment outcomes, allowing our models to continuously improve fraud detection and risk assessment over time. This creates a compounding advantage for lenders as their distinct underwriting decisions feed back into the system.\r\n\r\nWe’re Carmel and Rhea. We met before Stanford and have been building together ever since. Carmel is from Manila, is a repeat founder, and spent three years in product at Apple. Rhea has a research background in computer vision and received the highest honor in Stanford Computer Science. Together, we combine deep local context with strong technical execution to build the infrastructure that expands access to credit in emerging markets.", "one_liner": "Underwrite borrowers around the world in minutes", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1767738733, "tags": [ "Fintech", "Computer Vision", "Lending", "Emerging Markets" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kita", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/kita.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kitafi/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e2c404c5bbc49c9c8e25d9c60779b50f507ba65.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/81/1774380993-db0dbd44c2140f7bda4ffe83a4e00da4/e196deff5409ad3bcec6d1491f2ca310.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022732Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=8c33ac15b728e7fabaeb0ef7b95f2ed0abf0a9af632563f8172cbb9433860c19", "company_photos": [], "primary_partner": { "name": "Ankit Gupta", "url": "https://www.ycombinator.com/people/ankit-gupta" }, "founders": [ { "user_id": 2926213, "full_name": "Carmel Limcaoco", "title": "Founder/CEO", "founder_bio": "Carmel is the co-founder and CEO of Kita.\n\nShe is from Manila and studied Symbolic Systems & Music at Stanford. Prior to Kita, she was completing her Master’s in Computer Science. She spent three summers in audio and music product at Apple, where she was one of few interns to ever ship a feature in iOS.\n\nShe was awarded by the United Nations at 16, launched the first Product Fellowship in the Philippines, and co-founded DAHA in 2022, where she took Stanford’s first marketplace from 0 to 1.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/carmellimcaoco/", "x_url": "https://x.com/carmelkita", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3f01d97aa2ddb42ff43b3ff920557ed3e357c93a.jpg" }, { "user_id": 933442, "full_name": "Rhea Malhotra", "title": "Founder/CTO", "founder_bio": "Rhea is the co-founder and CTO of Kita.\n\nRhea completed her bachelor’s and master’s degrees in Computer Science at Stanford, and was an incoming PhD in Computer Vision and Robotics at Princeton. \n\nShe received the Firestone Medal, the sole highest honor of the Stanford CS Department, for her research in 2025.\n\nRhea joined her first research lab at age 13, worked on the COVID-19 vaccine at Pfizer at 17, and has since authored 7 papers recognized and awarded internationally.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rhea-malhotra-198744142", "x_url": "https://x.com/_rheamalhotra_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/41cd921951ca9a07459a11145a54b179b7e9353f.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 97013, "title": "Kita: Turn financial documents into risk signals for lenders", "tagline": "Make document-driven decisions 70x faster, with built-in fraud checks", "body": "Hi YC! We’re Carmel Limcaoco and Rhea Malhotra, the co-founders of Kita. We met over our gap year during COVID while we were undergrads at Stanford, and have been best friends ever since. Carmel is from Manila, is a past founder, and worked in computational music and audio at Apple. Rhea has a background in computer vision & robotics and was awarded the highest honor in Stanford Computer Science. We were both completing our Master’s in CS at Stanford when we chose to build Kita full time. \n\n**TLDR:** We turn messy borrower documents into the data layer that powers lending in emerging and undertapped domestic markets.\\\n\\\n[Kita (YC W26) Launch Video](https://www.youtube.com/watch?v=_z9lR5p9NMg)\n\n**The problem**\n\nIn emerging markets like the Philippines, where there are no banking APIs, a borrower’s financial history is locked in noisy documents: bank statements, payslips, utility bills, and more. For lenders, accessing and validating a borrower’s data is nearly impossible.\n\nToday, lenders either review these documents manually or rely on legacy OCR. Manual review is slow and expensive, while OCR breaks on real-world inputs and still requires human verification. This slows loan decisioning, raises costs, and caps lending volume.\n\n**What is Kita?**\n\nKita uses vision-language models to outperform traditional OCR, turning noisy borrower documents into fraud-checked, decision-ready signals for underwriting models. We are built specifically for emerging and undertapped markets, hyperlocalized around the signals that actually drive underwriting outcomes in places like the Philippines, Indonesia, Mexico, and beyond.\n\nOver time, Kita links historical repayment outcomes to document-level signals, becoming a custom learning engine trained on a lender’s own data and decisions.\n\nWe’re starting in Southeast Asia with plans to expand to other emerging markets. We’re also exploring underserved segments in more developed markets, like parts of the U.S. where borrowers still rely on documents.\n\n**Our ask**\n\n* **Intros:** We’d love introductions to lenders or fintechs operating in lending or credit, in emerging markets or in the U.S.\n* **Founder wisdom:** If you’ve built or scaled lending, underwriting, or risk infrastructure, we’d love to learn from you and compare notes.\n* **Operators in financial services:** If you work with document-heavy workflows, we’d love to understand the problems with turning documents into usable data.\n\n![uploaded image](/media/?type=post&id=97013&key=user_uploads/2926213/83392dd0-d24f-4c82-b04a-61c6649bcaeb)\n\n", "url": "https://www.ycombinator.com/launches/PEj-kita-turn-financial-documents-into-risk-signals-for-lenders", "votes": 23, "created_at": "2026-01-23T20:12:27.746Z" } ] }, { "id": 31155, "name": "Q2Q", "slug": "q2q", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b6c42d7cabd8a666e0d6369ef40a058fca967f90.png", "website": "https://www.tryq2q.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Q2Q is the AI-native outbound engine for deal sourcing. Tell us the types of companies you want to buy, and we'll get qualified meetings booked for you. \r\n\r\nYou can think of Q2Q as your personal team of AI interns. You give us your buying criteria, and we'll go out and find companies, write personalized emails, and get first calls booked with business owners for you. As the human in the loop, you'll approve messages before we send. Q2Q handles the sourcing work so you can focus on evaluating great deals.", "one_liner": "We help private equity teams find acquisition targets faster", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1768420792, "tags": [ "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "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/q2q", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/q2q.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/q2q-ai", "x_url": "https://x.com/tryq2q", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b6c42d7cabd8a666e0d6369ef40a058fca967f90.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harshita Arora", "url": "https://www.ycombinator.com/people/harshita-arora" }, "founders": [ { "user_id": 3082094, "full_name": "Brianna Lin", "title": "Founder", "founder_bio": "Co-Founder & COO @ Copperlane | UPenn M&T", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/brianna-lin/", "x_url": "https://x.com/briannajlin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e148d2875818d32cc7e0c320484c5f1107da51b8.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 31161, "name": "Rapidfolio", "slug": "rapidfolio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/03c9e049e23bc7dcc8df7c9c46fd48f3e74846af.png", "website": "https://rapidfolio.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Rapidfolio helps banks and fintechs fully automate back-office workflows like fraud investigations, KYB/KYC and loan underwriting, with accuracy and auditability.\r\n\r\nBuilt by fintech founders and operators, Rapidfolio is on a mission to ensure banks and fintechs scale their customer base without adding another back-office head count.", "one_liner": "AI-native back-office for banks and fintechs", "team_size": null, "industry": "B2B", "subindustry": "B2B", "launched_at": 1784234137, "tags": [ "Fintech", "SaaS", "Enterprise", "Automation", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "B2B" ], "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/rapidfolio", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/rapidfolio.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/rapid-folio/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/03c9e049e23bc7dcc8df7c9c46fd48f3e74846af.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b5d2e5015ae907316abef45c424725ff7c1bd646.png" ], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 334623, "full_name": "Naveen Qureshi", "title": "Founder/CEO", "founder_bio": "Co-founder and CEO Rapidfolio, AI for fintechs and banks.\nPrev: co-founder & CEO of Sable (S19), a consumer fintech that I built, scaled to few hundred thousand accounts and sold.\nOn a mission to help banks and fintechs grow their customer base without adding another back-office headcount. Ex Capital One, Amazon, Target. Columbia Business School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/naveen-qureshi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/35caac9e4b831d4e37de25f7c777c368e27cc364.jpg" }, { "user_id": 2636714, "full_name": "Frederik Vanhevel", "title": "Founder/CTO", "founder_bio": "Co-founder & CTO at Rapidfolio (S26), where we use AI to automate the most complex financial processes with self-evolving, always-compliant, fully-auditable workflows no one else is building. Previously built two banks from scratch: founding engineer at Sable (S19, shipped in a record 3 months, pre-AI) and Seen, where I rebuilt the entire infra for the Snap Finance acquisition, built the credit decisioning engine and scaled to serve hundreds of thousands of customers.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/frederik-vanhevel/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0da9e1bb6735ce1052d2b98eff490d3b95bfe76a.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 106986, "title": "Rapidfolio - AI Platform for Compliance, Operations, Risk & Fraud for Fintechs and Banks 🏦", "tagline": "AI for banks and fintechs", "body": "Hi everyone 👋\\\nWe're [Naveen](https://www.linkedin.com/in/naveen-qureshi) & [Frederik](https://www.linkedin.com/in/frederik-vanhevel/), fintech founders and operators building [Rapidfolio](https://rapidfolio.com/).\\\n\\\n**TL;DR:** Rapidfolio automates the most complex manual compliance, operations, and fraud processes that analysts perform at fintechs and banks today. We do this with 100% accuracy, speed, and auditability. We are previous founders and operators in fintech, and created Rapidfolio because we wished it existed when we were running Sable (S19).\\\n\\\n**Video:**\\\n\n\n\\\n**Our Ask:**\\\n**If you are a founder or operator at a fintech** **or bank** **who**\\\ni) has a pressing need to automate manual tasks due to high volume and/or,\\\nii) needs to decrease the amount you spend annually on back-office staff or\\\niii) you simply want to build solid automation to decrease human error\\\nReach out directly: [founders@rapidfolio.com](mailto:founders@rapidfolio.com) or book a demo: \n\n**——————-**\n\n**The Problem** \n\nFintechs and banks spend up to **30% of their revenue** on operations, compliance, risk and fraud back-office staff. The back-office performs manual processes like KYC and KYB reviews, OFAC/sanctions/watchlist reviews, fraud investigations, disputes and chargebacks, mortgage and loan underwriting, and sometimes even manual data input workflows, among others. The back-office scales as a function of the number of accounts held at the fintech/bank and quickly becomes extremely costly, time consuming, and error prone. \n\nFrederik and I lived this problem firsthand. **We started Rapidfolio because we wished it existed when we were running Sable (S19)!**\n\n**Our Solution** \n\nRapidfolio turns manual compliance, operations, risk and fraud processes into accurate, auditable, and automated flows. We’re running at **100% accuracy** in production. We provide the **end to end platform and services** to:\n\n**1. Convert your existing procedure** into deterministic, automated, workflows in minutes.\n\n![uploaded image](/media/?type=post&id=106986&key=user_uploads/334623/8df4940f-c6ec-41e1-a6a5-4ccd6476667b)\n\n**2.** We generate dozens of **test cases**, including edge cases, and fully test the workflow.\n\n![uploaded image](/media/?type=post&id=106986&key=user_uploads/334623/940aa8f9-9728-47ef-9a5c-81648c0b28b8)\n\n**3.** Once tested, you can **trigger the workflow** to run it in whichever way you prefer - be it API, our scheduler, a JIRA ticket.\n\n![uploaded image](/media/?type=post&id=106986&key=user_uploads/334623/2ee48bae-3d66-487c-9e70-9ab859eb0b02)\n\n**4. You have full visibility and control:** all workflows are version controlled, and each action is auditable and traceable. You can include humans-in-the-loop where needed. All analytics live directly in your dashboard.\n\nRapidfolio provides “innate abilities” like automated web browsing, document reading/analysis, comprehensive summaries, human-level judgment, to name a few. Additionally, Rapidfolio integrates easily into your **existing tech stack**. We have built-in integrations with leadings operations, compliance and fraud vendors in the financial services industry.\n\nWe are SOC 2 compliant, and are **live with customers across the U.S. and Canada.**\n\n\\\n**The Team:**\n\n**Naveen Qureshi:** CEO and co-founder, Rapidfolio\\\nPreviously was co-founder & CEO of Sable (S19) that I built, scaled and sold. After Sable’s exit, I built and launched additional credit products with [Seen.com](http://Seen.com). Ex Capital One, Amazon, Target. Columbia Business School.\\\n\\\n**Frederik Vanhevel:** CTO and co-founder, Rapidfolio\\\nPreviously built the entire banking stack for two fintechs from scratch. First, as founding engineer at Sable (S19), where he shipped the entire banking stack in a record 3 months, pre-AI. And after Sable’s exit, with Seen.com. Fred also built internal tools for back-office staff at both fintechs, and is passionate about automating the more tedious workflows with Rapidfolio.\\\n\\\nReach out directly: [founders@rapidfolio.com](mailto:founders@rapidfolio.com) or book a demo: \n\n![uploaded image](/media/?type=post&id=106986&key=user_uploads/334623/a7390ea6-c745-4d74-9505-8a42ee86603c)\n\n", "url": "https://www.ycombinator.com/launches/Rpa-rapidfolio-ai-platform-for-compliance-operations-risk-fraud-for-fintechs-and-banks", "votes": 28, "created_at": "2026-07-23T18:42:29.801Z" } ] }, { "id": 31187, "name": "Fenrock AI", "slug": "fenrock-ai", "former_names": [ "new co", "Fenrock.AI", "Fenrock AI", "Fenrock AI (YC W26)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/49628c649d0cbcd7910ecb380ad944b7613d8242.png", "website": "https://fenrock.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "We're building the Legora for traditional financial services, working closely with US bank CEOs to transform their businesses.", "one_liner": "AI agents for banks", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1769406704, "tags": [ "Fintech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fenrock-ai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/fenrock-ai.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/fenrock-ai", "x_url": "https://x.com/FenrockAI", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/49628c649d0cbcd7910ecb380ad944b7613d8242.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 1914554, "full_name": "Charu Sharma", "title": "Founder/CEO", "founder_bio": "We're building specialized AI agents for banks to 10x back office functions.\n\nI previously founded and scaled 2 VC-backed companies to millions of users, hundreds of employees, and tens of millions raised from top-tier VCs, including General Catalyst's Hemant Taneja.\n\nFun fact: Fought goons in a train robbery in Mumbai and got the National Bravery Award from the Indian Prime Minister & President.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/charusharma1/", "x_url": "https://x.com/charu1603", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/837d3354899bc42b763bc46606e17f2307c309fd.jpg" }, { "user_id": 1974434, "full_name": "Michael M", "title": "Founder/CTO", "founder_bio": "We're building specialized AI agents for banks to 10x back office functions.\n\nI previously spent 10 years building cutting-edge ML at Google and Apple for billions of users. I invented ways to train ML models without exposing private data, built Apple's first privacy-preserving ML at scale, and designed ML that helped a startup go public.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fiveseventyeleven/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5ef7777ef756d822aa9721993e9be6f81978215c.jpg" } ], "jobs": [ { "id": 98553, "title": "Founding Engineer (Backend)", "url": "https://www.ycombinator.com/companies/fenrock-ai/jobs/HjrhODi-founding-engineer-backend", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [] }, { "id": 98554, "title": "Founding Engineer (Full stack)", "url": "https://www.ycombinator.com/companies/fenrock-ai/jobs/cjkr5RF-founding-engineer-full-stack", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [ { "id": 98614, "title": "Fenrock AI - back office AI agents for banks", "tagline": "Process loans in minutes. Investigate 10x fraud alerts. Resolve customer complaints in seconds.", "body": "Fenrock AI is building AI agents for banks to 10x their back office functions.\n\nThese teams still run on a series of disjointed legacy systems. They are drowning in extremely manual work and backlogs, missing deadlines, and risking regulatory fines. \n\nFenrock overlays on your existing stack and seamlessly integrates internal policies and SOPs.\n\n**With Fenrock AI, banks can:**\n\n💰 Make a lot more money by **processing loans in minutes**, not months.  \n\n🤩  Offer stellar customer experiences by **resolving complaints in seconds**.  \n\n💪 Investigate **10x fraud and money-laundering cases** per analyst with bulletproof audit logs, and pass every regulatory exam. \n\n[\\[Launch video\\]](https://youtu.be/49Aycd2urmM)\n\nNo need to switch systems or migrate data.\n\n![uploaded image](/media/?type=post&id=98614&key=user_uploads/1914554/5c1c98aa-58d8-41f6-a20a-7fa144ae076b)\n\nWe have **deep experience building in highly regulated spaces**, and we were one of the **first teams to ever build AI agents**. \n\n[Charu](https://www.linkedin.com/in/charusharma1/) founded one of the largest healthcare API companies, backed by General Catalyst, and scaled it to over 6 million patients and 100+ employees.\n\n[Michael](https://www.linkedin.com/in/fiveseventyeleven/) built Apple’s first privacy-preserving machine learning at scale, used by billions worldwide, and invented techniques to train ML models without private data. \n\nIf you’re running a bank, Fenrock AI is a no-brainer. Email us at [charu@fenrock.ai](mailto:charu@fenrock.ai) today! ", "url": "https://www.ycombinator.com/launches/PeY-fenrock-ai-back-office-ai-agents-for-banks", "votes": 49, "created_at": "2026-03-09T15:50:42.372Z" } ] }, { "id": 31230, "name": "o11", "slug": "o11", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/34cf69944142b4ae981a790f75fe9293d52369a2.png", "website": "https://o11.ai", "all_locations": "San Francisco, CA, USA", "long_description": "o11 helps your AI agents access apis, tools, and other paid goods and services. Instead of hacky computer use, managing credit card permissions, assigning each agent a new email, we handle all the hard parts of accessing the paid web. o11 has zero markup and gives teams better prices, easy checkout, and full auditability when purchasing with AI agents. \r\n\r\nThe o11 wallet gives your AI agents access to the paid world.\r\n", "one_liner": "OpenRouter wallet for paid goods and services", "team_size": 2, "industry": "B2B", "subindustry": "B2B", "launched_at": 1765258468, "tags": [ "Developer Tools", "Fintech", "SaaS", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "B2B" ], "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/o11", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/o11.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/o11-ai", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/o11", "github_url": "https://github.com/o11-ai", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/34cf69944142b4ae981a790f75fe9293d52369a2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/be121957e7216ee5cfda707070014fa9aab651ae.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/a242bbfa82c440fc7b44b645a77fa2bb9fe4bbad.png" ], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1788479, "full_name": "Aryah Oztanir", "title": "Founder/CEO", "founder_bio": "oztanir.com", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aryah-oztanir/", "x_url": "https://x.com/aryah_oztanir", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9b2ef4233118d66cd69790679b7826575911d06e.jpg" }, { "user_id": 1862203, "full_name": "Ajay Misra", "title": "Founder", "founder_bio": "Co-founder of o11. Enjoys training models. \n\najaymisra.com", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ajay-misra/", "x_url": "https://x.com/ajaymisraaa", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7bec50a83fc1da1284ed2c3f271e8cdc6d8d83c1.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 98341, "title": "o11: The AI Agent Inside of Every Enterprise App", "tagline": "We embed agents into every legacy application to automate them", "body": "Hey YC - We’re [Aryah Oztanir](https://www.linkedin.com/in/aryah-oztanir/) and [Ajay Misra](https://www.linkedin.com/in/ajay-misra/), the co-founders of [o11.ai](http://o11.ai).\n\n\\\nTL;DR - AI in legacy tools (e.g. Copilot, Gemini in Workspace, etc…) sucks. We built o11 to make automation directly inside legacy tools easy.\n\n# See us in action (demo vid):\n\n\n\n# The Problem:\n\n62% of all companies still rely on legacy software and systems. Many of these systems are manual, outdated, and inefficient. In the age of AI, the legacy giants that create this software aim to “duct tape” AI onto their tools – but what they end up with is a **mangled mess that can’t actually do anything useful (Microsoft Copilot, Google Gemini, the generic useless “AI” sidebar in every application).** Enterprises and consumers need a way to automate work directly inside of the tools they are familiar with – \\*\\*their solution is o11.\\*\\*\\\n\\\nStarting with **the entire Google & Microsoft Suite,** we’ve enabled hundreds of companies to automate presentation / spreadsheet / document generation directly within their workflow. Teams that use us no longer need to move from app to app or deal with agents that merely “provide insights.” Now they can actually do things in these tools, and do them **fast.**\n\n# Start today:\n\nTry o11 for Free in Google Workspace and Microsoft 365 at . Book a demo at \n\n![uploaded image](/media/?type=post&id=98341&key=user_uploads/1788479/2a4f8871-f9de-4f49-9758-39a582173ea4)\n\n# \n\n# How did we come up with this?\n\nBefore we dropped out of UNC we were surrounded by finance students who all faced similar problems at their internships over the summer: Legacy software, no AI, and tons of grunt work. Most existing finance solutions thought the best way to provide workflow value was to build an external dashboard. But after speaking to hundreds of finance professionals we realized that teams don’t want an external solution, they require something that is directly within their workflow. So, we started by building a Microsoft PowerPoint plugin. Soon, financial teams started asking us for more, and we then introduced o11 For Excel and o11 For Word. But, why confine ourselves to Microsoft only? Teams that we worked with and spoke to all wanted integrations with the full G Workspace suite, and soon we built it for them in Google Slides, Docs, and Sheets. **We’re not stopping there though – while these productivity suites are a large part of our user’s workflows, their workflows aren’t just confined to these tools.**\n\n# Where does this go?\n\nOur users use thousands of enterprise legacy apps that need automation, not duct-taped AI. That’s why, the product we’re soon going to release will enable you to use o11 in any app — **it’s going to enable you** **to automate directly inside any workflow.**\n\n![uploaded image](/media/?type=post&id=98341&key=user_uploads/1788479/8296e217-4385-4f12-a50d-cebffe7b974d)\n\n![uploaded image](/media/?type=post&id=98341&key=user_uploads/1788479/2a8ae383-97a2-41e9-8f95-66e9368a4230)\n\n", "url": "https://www.ycombinator.com/launches/Pa9-o11-the-ai-agent-inside-of-every-enterprise-app", "votes": 10, "created_at": "2026-03-02T18:19:12.551Z" } ] }, { "id": 31255, "name": "Grade", "slug": "grade", "former_names": [ "Creator Check" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/97bee8995323297bfa4540365e98ff74a62aa5fd.png", "website": "https://usegrade.com", "all_locations": "San Francisco, CA, USA", "long_description": "Grade is the API for performance-based payroll. Think of us like Deel or Gusto, but our payouts are for work completed, not hours. Companies use Grade to pay AI agents and contractors based on results: tasks completed, targets hit, work delivered. We handle compliance, tax reporting, and global payouts.", "one_liner": "API for performance-based payroll", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1768947933, "tags": [ "Fintech", "Payments", "Payroll", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/grade", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/grade.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/usegrade", "x_url": "https://x.com/usegrade", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/97bee8995323297bfa4540365e98ff74a62aa5fd.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1159814, "full_name": "Lotanna Ezeike", "title": "Founder/CEO", "founder_bio": "2x VC-backed founder. Previously product lead at Barclays, one of the world's largest banks, where I led product for digital payments. At my last company, I managed $10M+ in contractor payouts. That experience led me to build Grade, the API for paying AI agents and contractors based on performance.", "is_active": true, "linkedin_url": "https://linkedin.com/in/lottsnomad", "x_url": "https://x.com/lottsnomad", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7d5d19671ff99112bbe0922371466c381c92185b.jpg" }, { "user_id": 995638, "full_name": "James Heaney", "title": "Founder/CTO", "founder_bio": "2x exited founder and now the CTO of Grade, the API for performance based payroll. Previously, I built and exited my first cryptography startup for over $5M while still in school, built and exited a consumer mobile app PrayScreen, built a rocket engine in my garage, and moved to San Francisco with my cofounder over a year ago.\n\nExcited by the future of payroll for the new global workforce and AI agents.", "is_active": true, "linkedin_url": "https://linkedin.com/in/jvheaney", "x_url": "https://x.com/jvheaney", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/790f919bb3ba3571e289d1121fb7cf200920a93e.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 97852, "title": "Grade: Performance based Payroll", "tagline": "Helping companies pay their workers based on performance.", "body": "**Lotanna** and **James** here, co-founders at Grade (YC W26).\n\nGrade is performance based payroll. We help companies pay workers based on results.\n\n### \n\n### **Our Launch Video 🎥**\n\n\n\n### **The Problem ❌**\n\nPayroll is huge. About $50T a year goes to worker pay worldwide. But most payroll systems still pay people for hours worked, even when hours do not match real output.\n\nWhen companies try to pay on performance, it gets messy fast:\n\n* The rules live in spreadsheets\n* Approvals are manual\n* Payouts are slow and mistakes happen\n\n### **Our Unique Insight 💡**\n\nBefore Grade, we built, scaled, and exited 4 mobile AI apps. Creators were our main growth channel, and they helped us reach millions of users.\n\nPaying creators was always a gamble. We paid a flat fee up front and hoped a video went viral. When we switched to paying for views instead, scaling got easy, but the tools were still spreadsheets. There was no payroll system for performance pay.\n\n![uploaded image](/media/?type=post&id=97852&key=user_uploads/1159814/0f8e12e4-c2c3-4a41-ad24-ff24b323d164)\n\n### **The Solution ✅**\n\nGrade makes performance pay run like real payroll, starting with creators.\n\n* Pay creators any way you want (flat fees, performance pay, bonused)\n* We track performance and calculate payouts automatically\n* Approve and pay out in bulk, we deal with all the invoices and tax complaince\n\n![uploaded image](/media/?type=post&id=97852&key=user_uploads/1159814/58ba3703-1ad5-40d8-9416-24b28145fa41)\n\n### **Traction 📊**\n\nIn the last 30 days, companies used Grade to **pay out $380k+** to creators, up 120% MoM\n\n![uploaded image](/media/?type=post&id=97852&key=user_uploads/1159814/07111969-8895-4c5e-99f2-d8e6606424d5)\n\n### **Our ask 📣**\n\nIf your company is paying creators at scale and you want pay tied to results without the spreadsheet mess, we would love to talk.\n\n[usegrade.com](http://usegrade.com)", "url": "https://www.ycombinator.com/launches/PSG-grade-performance-based-payroll", "votes": 14, "created_at": "2026-02-17T05:49:20.980Z" } ] }, { "id": 31323, "name": "Hedge", "slug": "hedge", "former_names": [ "Taven" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/757956da562e7db7b519f5658a7c7ffb78f05a6b.png", "website": "https://www.hedgespecialty.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Hedge is an AI-Native specialty insurance company. We help insurance brokers find faster, cheaper, and better coverage for their customers. ", "one_liner": "AI-Native insurance company", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1777586182, "tags": [ "Fintech", "B2B", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/hedge", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/hedge.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/hedgeinsurance/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/757956da562e7db7b519f5658a7c7ffb78f05a6b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 2567632, "full_name": "Luke Button", "title": "Founder/CEO", "founder_bio": "Building Hedge. Prev. founded Fernstone (AI-powered retail insurance brokerage), led a growth team at Traba (Series A, backed by Founders Fund), Head of Growth at Antimetal, cofounder at Contrast (acquired). ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lukebutton/", "x_url": "https://x.com/lukebbutton", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/717eb78534ed7d2d8edf2ceae8d8697daa67808f.jpg" }, { "user_id": 3568359, "full_name": "Luke Rosa", "title": "Founder", "founder_bio": "Building Hedge. Prev. Head of Scaled Systems at Traba (Series A, backed by Founders Fund, Khosla), replaced humans with AI agents to manage $20 MM+ in revenue. Econ at UChicago. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/luke-rosa-4a2717160", "x_url": "https://x.com/lukerosa_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/524a034d003bd11ddfd046107d99a729dad21e3d.jpg" } ], "jobs": [ { "id": 106786, "title": "Founding Head of Partnerships", "url": "https://www.ycombinator.com/companies/hedge/jobs/OhSqnTH-founding-head-of-partnerships", "location": "Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$120K - $250K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 106787, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/hedge/jobs/WJGXGrP-founding-account-executive", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$110K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106788, "title": "General Application", "url": "https://www.ycombinator.com/companies/hedge/jobs/ySdNL2F-general-application", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106789, "title": "Founding Sales Development Representative (SDR)", "url": "https://www.ycombinator.com/companies/hedge/jobs/y0kYytQ-founding-sales-development-representative-sdr", "location": "San Francisco - In Office", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $100K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106790, "title": "Founding Head of Markets", "url": "https://www.ycombinator.com/companies/hedge/jobs/TYij9MV-founding-head-of-markets", "location": "Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $200K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 106791, "title": "Founding Underwriter", "url": "https://www.ycombinator.com/companies/hedge/jobs/CJf8gSe-founding-underwriter", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106792, "title": "Founding Wholesale Broker - Commercial Auto", "url": "https://www.ycombinator.com/companies/hedge/jobs/vlnK55k-founding-wholesale-broker-commercial-auto", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106793, "title": "Business Development Representative", "url": "https://www.ycombinator.com/companies/hedge/jobs/Tke1Rmp-business-development-representative", "location": "San Francisco - In Office", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $100K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106794, "title": "Founding Wholesale Broker - Property", "url": "https://www.ycombinator.com/companies/hedge/jobs/gwAnWOS-founding-wholesale-broker-property", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106795, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/hedge/jobs/Ne6tWKy-founding-engineer", "location": "San Francisco - In Office", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "1.00% - 3.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106796, "title": "Founding Wholesale Broker - Trucking", "url": "https://www.ycombinator.com/companies/hedge/jobs/e2SS7zW-founding-wholesale-broker-trucking", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106797, "title": "Founding Growth Operations", "url": "https://www.ycombinator.com/companies/hedge/jobs/BWCIwMc-founding-growth-operations", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$110K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106798, "title": "Founding Wholesale Broker - Casualty and Excess", "url": "https://www.ycombinator.com/companies/hedge/jobs/eGhKzSh-founding-wholesale-broker-casualty-and-excess", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106799, "title": "Founding Wholesale Broker - Professional Lines, Management Liability, and Cyber", "url": "https://www.ycombinator.com/companies/hedge/jobs/WzmvwG2-founding-wholesale-broker-professional-lines-management-liability-and-cyber", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106815, "title": "Founding Wholesale Broker - Medical Malpractice", "url": "https://www.ycombinator.com/companies/hedge/jobs/Xa6MiBj-founding-wholesale-broker-medical-malpractice", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106816, "title": "Founding Wholesale Broker - Entertainment", "url": "https://www.ycombinator.com/companies/hedge/jobs/ACmDtnJ-founding-wholesale-broker-entertainment", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 100966, "title": "Hedge: AI-native specialty insurance company", "tagline": "Helping brokers get faster and better coverage for their customers", "body": "**TLDR:** We help insurance brokerages get quotes faster and cheaper. We started as brokers, realized insurance is broken end to end, and are now building the plumbing to fix it.\n\nWe’re hiring across sales, ops, and engineering here in SF. [**Apply here**](https://www.workatastartup.com/companies/hedge)**.** \n\n### **The problem:**\n\nI started a YC-backed AI-native insurance brokerage because buying insurance sucked.\n\nWe thought the answer was building a better brokerage. But then we became brokers and realized we weren’t actually fixing the system.\n\nBrokers do important work. They help businesses navigate a messy market. But they don’t control the parts of the stack that determine speed, price, and coverage.\n\nEvery quote still depends on multiple layers of brokers, underwriters, carriers, reinsurers, MGAs, and wholesalers.\n\nEach layer is still manual. Someone re-enters the same information by hand, then emails it to another person in the chain who does the same.\n\nEven when brokers move fast, quotes still sometimes take days or weeks. Brokers hate this. Their customers hate it even more.\n\nWe realized the only way to fix this was to go full stack and rebuild the workflows ourselves.\n\n### **What we’re building:**\n\n[**Hedge**](https://www.hedgespecialty.com) helps insurance brokerages get better, faster, and cheaper coverage for complex businesses.\n\nTo do this, we’re starting with the wholesale layer. The first major bottleneck for brokers.\n\nOur competitors are billion-dollar businesses that are still almost entirely human-driven. Ryan Specialty, one of the largest wholesalers, spends almost 60% of revenue on salaries. Their version of innovation is giving manual work to offshore contractors.\n\nWe think the better version is rebuilding the workflow around AI from day one. Hedge uses AI agents paired with underwriting to help brokers get quotes faster.\n\nSoon, we’re moving up the stack: combining wholesale distribution and underwriting into one AI-native insurance company built to help brokers win more business.\n\n### **Let’s talk!**\n\nWe’re already working with some of the fastest-growing brokerages we know, and now we’re scaling as fast as possible.\n\nIf you place E&S business and want faster, cheaper quotes for your clients, we’d love to work with you.\\\n\\\nTo learn more:[ hedgespecialty.com](https://www.hedgespecialty.com/)\\\n\\\n**We’re hiring! [Apply here](https://www.hedgespecialty.com/careers)**\n\n![uploaded image](/media/?type=post&id=100966&key=user_uploads/2567632/24c6880c-1e40-4812-a0b5-ada49876f9db)\n\n", "url": "https://www.ycombinator.com/launches/QGU-hedge-ai-native-specialty-insurance-company", "votes": 17, "created_at": "2026-05-08T05:52:39.977Z" } ] }, { "id": 31343, "name": "Multiplier", "slug": "multiplier", "former_names": [ "WithAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f7c1a5b7f1d0f6a85da016ccad1a5a0cec81c513.png", "website": "https://multiplier.ai", "all_locations": "New York City, NY, USA", "long_description": "Multiplier helps institutional investors research stocks and manage their portfolios. We're live with six hedge funds, and our users spend 4+ hours a day in the platform.\r\n\r\nInvestors who try \"nearly every tool on the market,\" to quote a client of ours, \"wind up with an unwieldy collection of fragmented point solutions.\" Those who focus on building a great setup with general agents are instead \"signing up for a full-time job.\" So we deploy a platform called Multiplier that unifies structured data, unstructured data, AI work, human work, and tacit firm knowledge in one secure, governed, customized application.\r\n\r\nOur first vertical: independent equity funds with $250M-$5B of assets. They know AI is essential for staying relevant, but they don't have the time or talent to figure out what to do about it. But once we deploy Multiplier––\"We used to spend 80% of our time gathering information and 20% of our time acting on it,\" said one customer. \"Multiplier has flipped those percentages.\"", "one_liner": "Agent harnesses for asset managers", "team_size": 3, "industry": "B2B", "subindustry": "B2B", "launched_at": 1778527074, "tags": [ "Fintech", "Productivity", "Investing", "AI", "Stocks" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "B2B" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/multiplier", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/multiplier.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/multiplier-dot-ai", "x_url": "https://x.com/_Multiplier", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/multiplier-dot-ai", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f7c1a5b7f1d0f6a85da016ccad1a5a0cec81c513.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/79/1781645150-40a75297eede8b140ca4005efd3859a0/96293f30e6e1ed95c3d463175df9c467.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022736Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=1e458b31dfa3aec5dfd0c55f587b68824f5f7b83c3801b5c1dfc6990b8d43064", "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 3405246, "full_name": "Ian McInnis", "title": "Founder/CEO", "founder_bio": "Princeton Mathematics, 4.0, Shapiro Prize, Behrman Fellow, ΦΒΚ early election, ΣΞ induction & outstanding research award, researcher (check ArXiV), novelist (check nowhere) | Investor and builder of LLM investment systems at Bridgewater Associates, the world's largest hedge fund | Classically trained Shakespearean actor\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/imj-mcinnis/", "x_url": "https://x.com/imjmcinnis", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9a9bbc8fb17bdf5e1597f1a1aa3638035b3b56b9.jpg" }, { "user_id": 3276162, "full_name": "Benjamin Finch", "title": "Founder/CEO", "founder_bio": "Before WithAI, Ben was the founding researcher and chief of staff at unicorn AI lab Sentient. He oversaw prompt security and multi-agent coordination work and built a million-strong community.\n\nHe received a bachelor's and a master's in Electrical and Computer Engineering Magna Cum Laude from Princeton, writing acclaimed theses on solar power investment and a novel blockchain design to solve coordination issues in Energy. He grew up in Maryland, Mongolia, Kenya, and Indonesia.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ben-finch-3a82471b5/", "x_url": "https://x.com/btsfinch", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/46d8e5822a34f0ebbfc14618ae6798a9d6de0bbb.jpg" } ], "jobs": [ { "id": 110696, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/multiplier/jobs/FULAL7W-founding-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $300K", "equity_range": "1.00% - 4.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "AI Agents" ] } ], "news": [], "launches": [ { "id": 101275, "title": "WithAI – Custom command centers for hedge funds", "tagline": "We help institutional investors research stocks and track their portfolio using AI.", "body": "We're Ian and Ben, co-founders of WithAI. WithAI helps institutional investors use AI to research stocks and manage their portfolios. We forward-deploy to set up Multiplier, a secure platform that teaches AI how the fund works and connects it to all the needed tools, files, data, and context, so that investors can use the full strength of today's agents without taking on a second job as Claude-wrangler. After three months, we're live with multiple clients, doing >$100k ARR. If you know a fundamental equity investor, we'd love to meet them. Email [ian@withai.co](mailto:ian@withai.co).\n\n\n\nAI has radically transformed coding. But in finance, super-sharp, highly-paid people are spending 2026 combing through an inbox full of PDFs, updating models in Excel, and eyeballing Bloomberg charts. Multiplier packages everything necessary to change that! It includes secure inference endpoints, changelogs, ontology maintainance, guardrails, and VM infrastructure, and it's all hosted on client servers. With a mix of open-source protocols and WithAI elbow grease, Multiplier connects to all the research, tools, and data used at a given firm. We conduct face-to-face interviews so we can give AI the tacit knowledge it needs to work at _your fund specifically_; gaps get filled by user feedback to the AI. Our interface––more like an IDE than a collection of chatboxes––makes oversight, guidance, and participation natural. Early clients have called Multiplier \"a tremendous proprietary knowledge flywheel\" and \"hugely insightful, a massive force multiplier.\" (In fact, that's where we got the name.) \n\nBen and Ian became fast friends building a deeptech investment group together (still going strong) and reunited because they'd independently hit on this idea. Ben, working on enterprise AI as founding researcher at Sentient Labs, saw what stopped his clients from accelerating like his engineers and wanted to productize the solution for the industry he knew best––investing. Ian, (profitably) overseeing an (undisclosably large) equity book at Bridgewater Associates, hacked together AI tools to help himself. They had a call to catch up one night and were spooked how they'd come to the same ideas.\n\nIf you know someone who picks stocks for a living (at a hedge fund, mutual fund, family office, etc.), we'd love to meet them. Get in touch at [ian@withai.co](mailto:ian@withai.co). Thanks so much!", "url": "https://www.ycombinator.com/launches/QLT-withai-custom-command-centers-for-hedge-funds", "votes": 35, "created_at": "2026-05-13T06:18:37.854Z" } ] }, { "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": 31526, "name": "Uno Wallet", "slug": "uno-wallet", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2393bf402ae2e425fc41cb7f78facb4b67fa9d5.png", "website": "https://myunowallet.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We are changing the way that people pay...\r\nFounded by:\r\nSaket Joshi: www.linkedin.com/in/saket-dattatray-joshi/\r\nMordi Shadpour: www.linkedin.com/in/mordi-shadpour/", "one_liner": "The AI mobile wallet that replaces Apple Pay", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1779834493, "tags": [ "Fintech", "Payments", "Consumer", "Infrastructure", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "The founders met at a Harvard startup mixer in 2023 and immediately bonded over fintech. They stayed in touch as friends and idea sparring partners, and later realized that advances in AI and new platform unlocks made Uno Wallet a massive opportunity to build together in the infrastructure and fintech space." } ], "url": "https://www.ycombinator.com/companies/uno-wallet", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/uno-wallet.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/uno-wallet", "x_url": "https://x.com/MyUnoWallet", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2393bf402ae2e425fc41cb7f78facb4b67fa9d5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1fecca5d8dafd39142796c306a3102c067cff398.png" ], "primary_partner": { "name": "Andrew Miklas", "url": "https://www.ycombinator.com/people/andrew-miklas" }, "founders": [ { "user_id": 1631278, "full_name": "Mordi Shadpour", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO of Uno Wallet | MBA @ Harvard\nBuilding the AI that automates your financial life, starting with the decision everyone gets wrong 50 times a month: which card to tap.\n\nBloomberg Terminal. California native, based in the Bay Area.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mordi-shadpour", "x_url": "https://x.com/MordiShadpour", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/845444df2aded4c1492d125d61ff8d68a63131cd.jpg" } ], "jobs": [ { "id": 103221, "title": "Founding Engineer - Product & Infrastructure", "url": "https://www.ycombinator.com/companies/uno-wallet/jobs/UsckBfY-founding-engineer-product-infrastructure", "location": "San Francisco, CA, US / Palo Alto, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $205K", "equity_range": "0.50% - 2.00%", "experience": "1+ years", "visa": "Will sponsor", "skills": [] }, { "id": 113112, "title": "Founding Head of Product", "url": "https://www.ycombinator.com/companies/uno-wallet/jobs/VzmlenM-founding-head-of-product", "location": "South San Francisco, CA, US / Palo Alto, CA, US", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$125K - $200K", "equity_range": "0.50% - 2.50%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [] }, { "id": 31575, "name": "Fire Wallet", "slug": "fire-wallet", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b24edcd9c30661e9d4cf818ec14536902f2b2c41.png", "website": "https://fire.co", "all_locations": "San Francisco, CA, USA", "long_description": "🔥FIRE WALLET 🔥\r\n\r\nhttps://www.youtube.com/watch?v=JeXDDegwhgA\r\n\r\nTL;DR: Fire Wallet is a fast, end-to-end encrypted, non-custodial stablecoin wallet with built-in payment processing and fiat on/off ramps, built by the team that created MobileCoin, the cryptocurrency inside Signal.\r\n\r\nHey Bookface! We're Josh, Michael, and Manny and we're building Fire Wallet!\r\n\r\n🔥Why we built this\r\n\r\nMost wallets and payment processors don’t work FOR you. They're slow, route your payments in the way that earns them the most, and they leak your financial life to anyone asking. Worse: every single one hold the keys to your money.\r\n\r\nWe believe your financial tools should act in your interest and, frankly, that your money should be yours.\r\n\r\n 🔥What Fire does\r\n\r\nMulti-chain, non-custodial, end-to-end encrypted wallet. \r\nYour keys, your money, your assets: you are in full control of your funds at all times. \r\nLeast Cost Routing. Every swap and payment takes the cheapest path, not the one that pays a middleman the most.\r\nSelf-sovereign payment processing. Send an invoice straight from the wallet. Get paid from your web checkout. No middleman.\r\nEasy fiat on/off ramps. Move stablecoins to USD and back without the pain.\r\nBuilt for agentic commerce. Manage per-agent sub-wallets for agentic workflows.\r\nEncrypted by default. Protecting you from bad actors and surveillance capitalism.\r\n\r\n🔥Early traction\r\n\r\nSigned our first major LOI with @Trustboop (founded by Justice Laub of Drone Racing League and Rob Rhinehart of Soylent).\r\n\r\nOnboarding our first enterprise customer in ecommerce packaging and marketing, doing about $1.5M/month in volume. They've connected us to 10 more companies in the same vertical at similar volume, roughly a $100M/yr GMV opportunity.\r\n\r\n🔥Why us\r\n\r\nJosh and Manuel led the creation of MobileCoin, the cryptocurrency in Signal Messenger: $100M+ raised, $1.16B peak valuation, $4B+ peak coin market cap, acquired in 2026.\r\n\r\nMichael runs product and design. He's an internationally exhibited artist with two published art books, and he builds sick products.\r\n\r\nManuel runs operations and orchestrates systems that actually work at scale.\r\n\r\n🔥Asks\r\n\r\nIntros to businesses moving $1M+/month in payments, especially cross-border, ecommerce, and DTC, who want lower fees and more control over their funds.\r\n\r\nStrategic partners in fintech and payments interested in integrating our infrastructure.\r\nTell us what's broken. Reply here or email founders@fire.co.\r\n\r\nWe're looking for our first 100 customers. If that's you or someone you know, we'd love to talk.", "one_liner": "Fire Wallet is a privacy-first crypto wallet designed to just work,…", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1792046296, "tags": [ "FinOps", "Fintech", "Security", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fire-wallet", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/fire-wallet.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b24edcd9c30661e9d4cf818ec14536902f2b2c41.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [], "jobs": [], "news": [], "launches": [] }, { "id": 31725, "name": "Hickory & Company", "slug": "hickory-and-company", "former_names": [ "Tally", "Hickory" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/99defc038609729a80c544eca98af6bec719647d.png", "website": "https://hickory.co", "all_locations": "Salt Lake City, UT, USA", "long_description": "", "one_liner": "Hickory offers agentic compliance and BSA for banks and fintechs", "team_size": 3, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1789596685, "tags": [ "Fintech", "SaaS", "Compliance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "B2B", "Operations" ], "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/hickory-and-company", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/hickory-and-company.json", "year_founded": 2026, "city": "Salt Lake City", "country": "US", "linkedin_url": "https://linkedin.com/company/hickoryco", "x_url": "https://x.com/hickorycompany", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/hickory-company", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/99defc038609729a80c544eca98af6bec719647d.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": 374939, "full_name": "Joshua Howland", "title": "Founder/CEO", "founder_bio": "Founder / CEO of Hickory\n\nPreviously the co-founder/CTO of Seis (YCW22) which provided online banking for Spanish speakers in the US.", "is_active": true, "linkedin_url": "https://linkedin.com/in/jkhowland", "x_url": "https://x.com/jkhowland", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/78056512d68a5b8cad15008127cf5d91d8e5d3cd.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 32131, "name": "Shielded", "slug": "shielded", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/eec883dcf84a87963c1d7874cef470c16c9dad19.png", "website": "https://www.shieldedglobal.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Shielded connects companies’ internal and external data to map market shifts, tariffs, and disruptions directly to suppliers, products, and margins. We turn those impacts into real-time decisions that grow and protect the business. ", "one_liner": "We help Fortune 500 companies hedge their supply chain risk", "team_size": 0, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1784606823, "tags": [ "Fintech", "Supply Chain", "Agriculture", "Energy", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/shielded", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/shielded.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/shieldedglobal", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/eec883dcf84a87963c1d7874cef470c16c9dad19.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [], "jobs": [], "news": [], "launches": [ { "id": 109233, "title": "Shielded: The company brain for supply chain risk", "tagline": "Shielded helps manufacturers understand and act on supply chain risk in real time.", "body": "Shielded helps manufacturers understand and act on supply chain risk in real time.\n\nAs the world has become more volatile, businesses need a tool to monitor events and rapidly take action. Founder James Simon saw this problem first hand in commodities trading, in fact his whole job was to take advantage of other firms reacting too slowly as the world changed. \n\nThat’s what inspired him to build Shielded, as an intelligence layer that integrates quickly, deeply understands your specific business, and turns volatility into clear, proactive decisions.\n\nShielded supports critical part and supplier management for leading defense companies, ingredient price audits for multinational CPG firms, and tariff impact analysis for global manufacturers.\n\nWith API, MCP, BOM, and spreadsheet integrations, every customer deployment to date has taken less than 72 hours.\n\nInstead of simply receiving an alert when something happens, Shielded gives procurement, finance, and supply chain teams company-specific guidance on the impacts of external events, market shifts, and regulation changes, and recommends the right operational or hedging responses.\n\nShielded is your supply chain’s command center that never sleeps.\n\n", "url": "https://www.ycombinator.com/launches/SPp-shielded-the-company-brain-for-supply-chain-risk", "votes": 5, "created_at": "2026-08-06T18:00:00.390Z" } ] }, { "id": 32222, "name": "Audun", "slug": "audun", "former_names": [ "Solvva" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7da249d05c3b78e6493d6546cc70a78c450280f.png", "website": "https://audun.co", "all_locations": "Oslo, Oslo, Norway", "long_description": "Audun automates debt collection.", "one_liner": "AI-native debt collection company", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1786093910, "tags": [ "Fintech", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Norway", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/audun", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/audun.json", "year_founded": 2026, "city": "Oslo", "country": "NO", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7da249d05c3b78e6493d6546cc70a78c450280f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Vivian Midha Shen", "url": "https://www.ycombinator.com/people/vivian-midha%20shen" }, "founders": [ { "user_id": 3587634, "full_name": "Jacob Hambro", "title": "Founder/CEO", "founder_bio": "Founder at Audun. Previously consultant at McKinsey & Company. Holds a MSc in Computer Science & Finance from NTNU.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jacob-hambro-70a9b1153/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5fd98a82faf0f9b01a9675f4b4cbce1e3332c7b7.jpg" }, { "user_id": 3632034, "full_name": "Magnus Vonen", "title": "Founder", "founder_bio": "Founder at Audun (YC S26), building AI-native debt collection. Previously at McKinsey & Company, advising on go-to-market strategy and AI. Before that, four years as an operator in Norwegian special forces, including overseas deployments. Economics at NHH (Norwegian School of Economics)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/magnus-nj%C3%B8lstad-vonen-518945208", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dcea88c387054dd5fdfdfacef04c7a032a94d818.jpg" }, { "user_id": 3649218, "full_name": "Henrik Brun Fevang", "title": "Founder", "founder_bio": "MSc in Computer Science and Artificial Intelligence. Previously a full-stack software engineer and architect at PwC, building software infrastructure and data platform for SINTEF, one of Europe’s largest research institutions. Previous full-stack engineering experience at Oda and Airthings.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/henrik-brun-fevang-8b5b18195", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/46d31d5e3c94ede241e440fdc92dff2df6c88006.jpg" }, { "user_id": 3414987, "full_name": "Peter Flo", "title": "Founder & Chief Scientist", "founder_bio": "Founder & Chief Scientist at Audun. Previously Special Projects at Midjourney and a graduate researcher at MIT. MS in Data Science from Harvard, dual B.S. from UC Berkeley. More at pflo.org.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/peterhollevik", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6cde847c6e23c09b48938d4f381e4b99258eeffe.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 111293, "title": "Audun: AI-native debt collection", "tagline": "Full-stack AI debt collection company", "body": "A letter arrives in the mail.\n\nImpossible to understand.\n\nAnother one.\n\nThen the phone calls start.\n\nOnce a day. Unpleasant, sometimes hostile.\n\nThis is how debt collection works in 2026.\n\n**We’re here to fix it.**\\\n\\\n[https://drive.google.com/file/d/1X9mVp2ZyJMUhCcHN6NadzMNLV5S63Wpv](https://drive.google.com/file/d/1X9mVp2ZyJMUhCcHN6NadzMNLV5S63Wpv/view?usp=sharing)\n\n# TL;DR\n\nAudun is an AI-native debt collection company. Our agents automate the collections process end to end, from reminders and negotiations to back-office and legal work. This reduces collection costs for creditors, and enables humans to spend their time on the conversations that matter.\n\n![uploaded image](/media/?type=post&id=111293&key=user_uploads/3587634/839f47e4-cdd7-45ed-befd-c621930fef65)\n\n# Ask\n\nWe’re looking for introductions to collection leaders at banks, lenders, utilities, telcos, and other high-volume creditors.\n\n# The problem\n\nThe debt collection industry is broken. It runs on call centers, paper letters, and software built in the 90s. While the rest of the world is preparing for AGI, the topic of the industry is still email and cloud.\n\nAll these inefficiencies ultimately end up with the consumer: incomprehensible letters arriving by snail mail, hostile phone calls, and fees stacking up on a bill they may never have seen. They're paying the cost of an archaic system.\n\n# The solution\n\nAudun is an AI-native debt collection company. We automate up to 90% of cases across the whole business, from front to back office. Our agents manage reminders, negotiations, payment plans, and settlements across voice, SMS, email, and WhatsApp. They operate within creditor-defined rules, log every action, and escalate sensitive cases to humans with the full context attached. Behind the scenes, they handle tasks such as skip tracing, payment verification, and legal document drafting.\n\nBy automating the grunt work of collections, Audun lowers collection costs for creditors and, ultimately, borrowing costs for consumers. We enable people to focus on the conversations that matter, where human judgment is still required, giving customers the treatment they deserve.\n\nWe started out in the Nordics, which has some of the strictest collections regulation in the world. Compliance is critical in this industry, so we built our agents to handle the toughest version of it first. \n\n# Who we are\n\nWe’re four founders with experience across McKinsey, Midjourney, and Norway’s first unicorn. We’ve seen firsthand how manual this industry is, and how stuck the incumbents are. We decided to build the company this industry needs from the ground up.\n\n![uploaded image](/media/?type=post&id=111293&key=user_uploads/3587634/fbfdfe9e-490e-4603-ad97-15b8ead694a6)\n\n", "url": "https://www.ycombinator.com/launches/Sx3-audun-ai-native-debt-collection", "votes": 8, "created_at": "2026-08-24T16:00:00.405Z" } ] }, { "id": 32225, "name": "Stoa", "slug": "stoa", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cf71f2bfca9f3f554d22c43f0dfd7b1a38171535.png", "website": "https://www.stoaexchange.com", "all_locations": "San Francisco, CA, USA", "long_description": "Stoa provides pricing and trading infrastructure for AI hardware, live with an RFQ marketplace where companies buy and sell GPUs through vetted dealers real-time.", "one_liner": "The market behind AI hardware.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1785367811, "tags": [ "Fintech", "Hardware", "Marketplace", "Infrastructure", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/stoa", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/stoa.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/stoamarkets/", "x_url": "https://x.com/stoaexchange", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/stoa-d396", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cf71f2bfca9f3f554d22c43f0dfd7b1a38171535.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 1961995, "full_name": "Berat Celik", "title": "Founder/CEO", "founder_bio": "CEO of Stoa. Repeat founder who walked away from xAI to build Stoa. UBC, computer science and economics; Cornell M.Eng., computer science.", "is_active": true, "linkedin_url": "https://linkedin.com/in/beratcelik1", "x_url": "https://x.com/beratcelik0", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3db0925f484f9622bdabb784771b1618d0408f66.jpg" }, { "user_id": 1960190, "full_name": "Eren Berke Saglam", "title": "Founder/CFO", "founder_bio": "CFO of Stoa. Traded interest rates derivatives at Citi. Dartmouth salutatorian, computer science and economics.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eren-berke-saglam", "x_url": "https://x.com/erenberke0", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8fa08c8d9b7dd4e7053173162485cba755b2b252.jpg" }, { "user_id": 3415052, "full_name": "Kaan Yigit", "title": "Founder/CTO", "founder_bio": "CTO of Stoa. Worked as a quantitative developer at Uniper, building the trading systems behind financial oil and gas books. UIUC, computer science.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kaan-yigit/", "x_url": "https://x.com/kaan_yigit0", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/94061540990806801bdde87e10a5a8fad1228468.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 108473, "title": "Stoa: The market behind AI hardware", "tagline": "GPU marketplace where vetted dealers bid blind with firm quotes. $300M+ in RFQs in our first month.", "body": "**TL;DR:** AI hardware trades over phone calls and forwarded spreadsheets. No venue, no price to mark against: lenders mark billions in GPU collateral off appraisals. We're building Stoa, an RFQ marketplace where buyers and sellers get firm quotes within 48 hours, and settled trades build the prices the market can mark, finance, and hedge against.\n\n\n\nGPU deals close in group chats. We know because we've been in them.\n\nA price arrives as a voice note. Someone forwards an inventory list, then it gets forwarded again, and soon three brokers are offering the same machines. Nobody knows who actually owns what or whether any quote is firm.\n\nThe market behind those chats is worth hundreds of billions of dollars a year. Lenders mark billions in GPU collateral off appraisals, not trades.\n\nWe're Berat, Eren, and Kaan. We're building Stoa.\n\nAI hardware is becoming an asset class, but its market is missing the basics: a venue where hardware can trade, prices that buyers, sellers, and lenders can mark against, and eventually financing and hedging built on those prices. We're starting with the venue: an RFQ marketplace for GPUs. It gets buyers and sellers firm quotes, and every bid and settlement builds the history the rest needs.\n\n**Here's how it works**\n\nPost what you want to buy or sell: B300s, H200s, H100s, a bare card or a full cluster, new or secondary.\n\nVetted dealers bid blind with firm quotes. Instead of spending weeks calling around, you get through the RFQ in 48 hours.\n\nWe handle the unglamorous parts too: KYB and counterparty checks, contracts, shipping, and settlement.\n\nIn our first month, $300M+ in RFQs ran through the book.\n\n**Why the marketplace comes first**\n\nAsk what an H100 is worth and everyone you call gives you a different answer.\n\nOn Stoa, dealers quote against the same RFQ without seeing each other's bids. Because every RFQ, firm quote, award, and settlement runs through us, we see what the hardware actually trades for.\n\nA quote is an opinion. A settled trade is a receipt.\n\nThat transaction history becomes prices buyers, sellers, and lenders can mark against. Once marks are grounded in settled trades, financing and hedging can follow.\n\nPlatts started printing oil prices in a magazine. Kelley Blue Book began as one dealer's published list of what he'd pay for cars. GPU inventory is still being passed around in forwarded spreadsheets, and Blackwell upgrades are now pushing H100 fleets into the secondary market.\n\nSomeone is going to be the price.\n\n**The team**\n\nWe've known each other for more than ten years. We have founded companies, traded interest rate derivatives, and built trading and pricing infrastructure for oil and gas. Now we're building it for AI hardware.\n\n**Buying or selling?**\n\nIf you're buying GPUs or compute, or you're sitting on hardware, sign up at [stoaexchange.com](http://stoaexchange.com).\n\n**Schedule a call: [https://stoa.cal.com/stoa/intro](https://stoa.cal.com/stoa/intro)**\n\n**Email us: [founders@stoaexchange.com](mailto:founders@stoaexchange.com)**\n\n**Text or call us:** +1 510 605 3844\n\nAnd if you know infrastructure heads at neoclouds or data centers, hyperscaler capex teams, dealers, ITADs, or credit desks lending against GPUs, please send this their way.\n\nBerat, Eren & Kaan", "url": "https://www.ycombinator.com/launches/SDZ-stoa-the-market-behind-ai-hardware", "votes": 779, "created_at": "2026-07-31T12:13:42.502Z" } ] }, { "id": 32286, "name": "Definite", "slug": "definite", "former_names": [ "Ledgix", "Bylaw" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea163685b0ad74eaec6a19637a061cdb5e63acae.png", "website": "https://www.usedefinite.com", "all_locations": "San Francisco, CA, USA", "long_description": "Definite is where finance teams build everyday back-office agents on one live model of their books. We plug into your ERP, ledger, payroll, and payments read-only and compile everything into one clean model that stays current as money moves. Your back-office team then builds agents on top in plain English. We never write back and we never move money. The agents are yours, the plumbing is ours.\r\n\r\nWe met in first year computer science at Waterloo and interned at Meta, Optiver, and BitGo. At Optiver they ran an n8n hackathon and the interns automated basically nothing. It couldn't talk to the systems that mattered. When we pitched banks and fintechs on agents, they kept telling us the same thing. The agent isn't the hard part, getting clean data out of their systems is.\r\n\r\nRight now, automating anything in a back office means engineers hand-stitching data from a dozen sources in different formats on different schedules. Tools like n8n and Workato assume your data is already clean and joined. In finance it never is. So the teams with the most repetitive work and smallest budgets get nothing.\r\n\r\nThe hard part is the compiler. Every source gets cleaned, matched, and joined into one live model of transactions, invoices, vendors, and payments, and it has to stay right as money lands every day. \r\n\r\nEveryone throws engineers at this. We're doing it once so nobody has to again. Every back office is getting agents eventually. Whoever owns the data they read from owns the thing all of them depend on, and eventually the books themselves. That's what we're building.\r\n", "one_liner": "Build everyday back-office agents on one live model of your books", "team_size": 3, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1782681224, "tags": [ "Fintech", "SaaS", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/definite", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/definite.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/usedefinite", "x_url": "https://x.com/UseDefinite", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea163685b0ad74eaec6a19637a061cdb5e63acae.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": 2947446, "full_name": "Gurshabd Singh Varaich", "title": "Founder/CEO", "founder_bio": "Founder & CEO at Definite (YC S26). Previous SWE intern at BitGo (pre-execution wallet policy and approval controls). Studied CS at UWaterloo", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gvaraich/", "x_url": "https://x.com/gurshabdv", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f208520804de89eb57bd0ffaecc678ab08e70e04.jpg" }, { "user_id": 2947432, "full_name": "Mazin Al-Ani", "title": "Founder", "founder_bio": "Founder at Definite (YC S26). Previously SWE intern at Optiver (quantitative trading systems) and Boosted.ai (agentic AI platform for financial analysts). Studied CS at University of Waterloo.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mazinalani/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/61a124dc48094fbc0085b19ae79a8f71f1cc6f19.jpg" }, { "user_id": 1563459, "full_name": "Farhan Ur Rehman", "title": "Founder", "founder_bio": "Founder at Definite (YC S26). Previous SWE at Meta (Instagram reels recommendation). Studied Statistics at University of Waterloo.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/farhan-ur-rehman/", "x_url": "https://x.com/re__farhan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bbb1704fb2da8fe5afeb297c7a36c7091072108e.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 105798, "title": "Definite - Turn weeks of regulatory reports into hours.", "tagline": "The most accurate AI agents for financial reporting", "body": "_AI agents that run the entire regulatory reporting pipeline for banks, from raw ledger data to the filed report._\n\n**_TL;DR_**_: Definite automates regulatory reporting for banks end to end, from raw ledger data to filed report, turning weeks of manual work into hours._ [usedefinite.com](http://usedefinite.com)\n\nHey! We're Gurshabd, Mazin and Farhan from Definite.\n\n\n\n**The Problem**\n\nProving to regulators that their books follow the rules is a constant, non-negotiable obligation for banks. Each report is thousands of numbers, personally signed off by an executive. Getting it wrong can mean a **fine up to a million dollars** over a single undetected error. Producing that proof is slow, and doesn't even guarantee it's correct. \n\nHere's where the current system breaks down:\n\n1. **Wasted Hours:** A controller pulls data from the core system into Excel and maps it line by line by hand. By regulators' own estimate, one quarterly filing takes weeks of employee time, time pulled from higher-value finance work every quarter.\n2. **False Confidence:** The software banks use to file checks formatting, not truth. A loan mapped to the wrong schedule line sails through every check. Nothing catches it until an examiner does, and by then it's not a mistake, it's a violation.\n\n**The Solution**\n\n**Report agents:** We connect to your books and our agents build the reports you owe.\n\n**Verification engine:** Every number is recomputed from source records and checked against a versioned rulebook, so each line carries its rule and source data.\n\n**Self-correcting agents:** When a check fails, the agent gets the reason and fixes it in seconds. Real exceptions come to your team with a drafted explanation, not a blank error. This loop is why our agents are the most accurate in finance.\n\n**Receipts:** Every check produces a tamper-evident receipt you can hand an examiner or auditor.\n\nYour team reviews and signs instead of building.\n\n**How we got here**\n\nGurshabd worked at BitGo, a regulated crypto custodian, where attestations proving customer assets matched the ledger were built by hand every period. Farhan worked at Meta where he delved extensively into machine learning and building AI agents. Mazin saw Optiver recheck daily regulatory numbers by hand, then built LLM agents at [Boosted.ai](http://Boosted.ai) and learned finance people won't act on AI output unless every number comes with its source.\n\nThe lesson from all three: in finance, producing a number is cheap, proving it is the job. On two public reporting benchmarks, DeepSeek V3 with our verification engine outperformed GPT-5 on reconciliation accuracy (FinBalance) at roughly 50× lower cost, and beat the entire published field on XBRL calculation validation (FinAuditing).\n\n![uploaded image](/media/?type=post&id=105798&key=user_uploads/2947446/1b80714c-9a38-4d02-a037-ab05ad2c9205)\n\n**The Ask**\n\n* Work at a bank, credit union, fintech or insurer on regulatory filings? Let's talk: , or text me: +1 519-619-5467\n* We’d also love an intro to a VP of Finance or Engineering at your partner bank (personal or business)\n\nFollow us: [LinkedIn](https://www.linkedin.com/company/usedefinite/?viewAsMember=true), and [X](https://x.com/UseDefinite).\n\nWe'll be in the comments. [gurshabd@usedefinite.com](mailto:gurshabd@usedefinite.com)", "url": "https://www.ycombinator.com/launches/RWQ-definite-turn-weeks-of-regulatory-reports-into-hours", "votes": 10, "created_at": "2026-07-15T14:05:31.123Z" } ] }, { "id": 32352, "name": "Veltha", "slug": "veltha", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/086027e8af9fab6d08a460f136457d84dbf6f354.png", "website": "https://veltha.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Veltha is the AI native TPA starting with workers comp. We handle claim for insurance providers end to end.\r\n\r\nLearn more at https://veltha.ai", "one_liner": "AI native TPA starting with workers comp", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1786650265, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/veltha", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/veltha.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/130564928", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/086027e8af9fab6d08a460f136457d84dbf6f354.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 2366971, "full_name": "Edin Citaku", "title": "Founder/CEO", "founder_bio": "Edin is CEO and co-founder of Veltha, building the AI adjuster for regulated insurance. Prior to Veltha he led Palantir's AI deployment at the german FBI. \nHe graduated with BSc and MSc in computer science at the TU Munich", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/edin-citaku-564000127", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bdaf52429b81f014247f0a4fb52680e9164ce91a.jpg" }, { "user_id": 976541, "full_name": "Roland Jaloszynski", "title": "Founder/CTO", "founder_bio": "Roland is a co-founder of Veltha, an AI-native TPA. He was previously a technical lead on mortgage underwriting automation at Palantir for a $642B servicer, compiling agency guidebooks into executable rules. He earned his computing degree from Poznan University of Technology while working as a software engineer at Amazon, LocalBini and DAC.digital.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/roland-jal", "x_url": "https://x.com/RJaloszynski", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1d12b27a5c3db72426424a70065a0a1a72eb1d87.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 115477, "title": "Veltha: AI native TPA for Workers’ Comp", "tagline": "Veltha reduces 6 hours of adjuster work to 10 minutes with better outcomes", "body": "**TL;DR: Veltha is an AI-native TPA for workers' compensation. TPAs process claims for insurance providers, and our AI owns this service end to end. An adjuster only reviews the decision, work that used to take 6 hours now takes 10 minutes - with better outcomes.**\n\n\n\n**The problem**\n\nTPAs deliver terrible service across the board. We have yet to find a carrier or employer that is happy with theirs. The misalignment is structural: TPAs make most of their profit on fees layered on top of claims handling, so quality of the core service barely affects their bottom line. So we decided to deliver the service ourselves.\n\n**What we built**\n\nVeltha runs the whole claim file end to end:\n\n* **Triage.** Reads incoming claim emails and documents, classifies them, and routes each claim to the right workflow.\n* **Gap detection.** Checks the file for missing documents and records, then requests them by email, phone, or fax and runs follow-up cadences until they land.\n* **Compliance review.** Applies the governing laws and produces a determination where every output is tied to a source and a specific regulatory rule.\n\nOur licensed adjusters review and sign every decision. One adjuster on Veltha handles 4x the caseload of a traditional adjuster with better and quicker outcomes.\n\n**Our ask**\n\nWe'd love intros to:\n\n* **Carriers and MGAs writing workers' comp** who need a claims administration partner.\n* **Risk managers and benefits leaders at self-insured employers**, especially claims-heavy, high-risk workforces. Think Disney, Marriott, Ford, PG&E, Caterpillar, SpaceX, Netflix. If you know someone at a company like that, an intro is gold.\n* **Brokers and consultants** who place TPA relationships for their clients.\n\nReach us at [hello@veltha.ai](mailto:edin@veltha.ai) or ping us here. Thanks YC 🙏", "url": "https://www.ycombinator.com/launches/U2X-veltha-ai-native-tpa-for-workers-comp", "votes": 2, "created_at": "2026-10-07T18:00:00.115Z" }, { "id": 111427, "title": "Veltha: AI claims adjuster for regulated insurance", "tagline": "Veltha reduces six hours of adjuster work to 10 minutes, with adjusters still making the final call", "body": "**TL;DR: Veltha reads an entire claim file, flags what's missing, and applies the exact federal regulation that governs it, producing a citation-backed determination a human adjuster just signs off on. Work that took an adjuster \\~6 hours now takes \\~10 minutes.** Starting with workers' comp and crop insurance.\n\n\n\n**The problem**\n\n1 in 4 claims adjusters expect to retire within five years. Experienced adjusters are retiring faster than carriers can replace them, and processing capacity is now the binding constraint on growth.\n\n**What we built**\n\nVeltha is an AI claims adjuster that runs the whole file end to end:\n\n* **Triage** - reads incoming claim emails and documents, classifies them, and routes each claim to the right workflow.\n* **Gap detection** - checks the file for missing documents and records, then requests them by email, phone, or fax and runs follow-up cadences until they land.\n* **Compliance review** - applies the relevant federal rulebook, and produces a determination where **every output element is tied to a source span and a specific regulatory provision.**\n\nThe adjuster's job shifts from _doing_ the claim to _reviewing_ Veltha's output. Less chasing. Faster decisions. Output that survives an audit.\n\n**What we understand that others don't: regulation is the moat, not the obstacle.** Horizontal platforms (Guidewire, Duck Creek) and generic AI-claims startups can summarize a claim file. They can't tell you _which_ provision triggered _which_ adjustment, with citations. We treat the federal rulebook as an anchor for the workflow we embed within the organisation. That's the difference between a summary a human re-does from scratch and an output an adjuster will actually sign.\n\n**Our ask**\n\nWe'd love intros to:\n\n* **Anyone in claims at a carrier, MGA, or TPA** - especially **workers' comp**\n* **People at large self-insured employers** with claims-heavy, high-risk workforces - Companies exactly like these are who we're built for: **Disney, Marriott, Ford, PG&E, Caterpillar**. If you know someone at that kind of company, an intro is gold.\n\nReach us at [edin@veltha.ai](mailto:edin@veltha.ai) or ping us here. Thanks YC 🙏\n\n[veltha.ai](http://veltha.ai)", "url": "https://www.ycombinator.com/launches/SzD-veltha-ai-claims-adjuster-for-regulated-insurance", "votes": 9, "created_at": "2026-08-21T01:30:00.652Z" } ] }, { "id": 32749, "name": "Arbital", "slug": "arbital", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/41b5fd38dcf7826f6043c80c1a7e50338b8b5cb1.png", "website": "https://www.arbital.xyz", "all_locations": "San Francisco, CA, USA", "long_description": "Arbital lets you trade perps, memes, stocks, and run market-making strategies from one place. In our first 7 months, 2,700 traders have traded $1.35B in volume through Arbital, and we're now doing $435M/month. \r\n\r\nWe're building towards a social, mobile-first trading app that brings tokenized equities, crypto, and perps to everyone.", "one_liner": "The social trading app for stocks, memes, and perps", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1785892617, "tags": [ "Fintech", "Crypto / Web3", "Investing", "Trading", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/arbital", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/arbital.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/arbitalxyz/", "x_url": "https://x.com/arbital_xyz", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/41b5fd38dcf7826f6043c80c1a7e50338b8b5cb1.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harshita Arora", "url": "https://www.ycombinator.com/people/harshita-arora" }, "founders": [ { "user_id": 531306, "full_name": "Karon Pangestu", "title": "Founder/CEO", "founder_bio": "Co-founder at Arbital. Head of Growth and first non-engineering hire at Aevo, where I led growth, marketing, and product - helping scale the exchange from $1B to ~$100B in cumulative trading volume, and growing DAU from 1K to 30K in five months. Helped take the company public via token launch (token now listed on Binance and Bybit, ~$3.8B ATH valuation). Previously co-founded Launchy, a crypto media platform reaching 20K+ builders and investors. BA in Mathematics & Statistics, LSE.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pangestukaron/", "x_url": "https://x.com/pangestu_karon", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3dd6c9bdc356a470d65fdf0060c83396b8b179ca.jpg" }, { "user_id": 3674258, "full_name": "Steven Mulyawan", "title": "Founder/COO", "founder_bio": "Co-founder at Arbital. Led BD and partnerships at Aevo across Asia, personally building and owning relationships with major KOLs, agencies, and high-net-worth traders - the network we now tap directly to drive Arbital's growth. Onboarded 10,000+ traders during Aevo's scale from $1B to ~$100B in cumulative volume.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/steven-mulyawan-974ab7252?utm_source=share_via&utm_content=profile&utm_medium=member_ios", "x_url": "https://x.com/0xstevezilla", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/07422eb4413225536a4e713e23fb4cd54da5d006.jpg" }, { "user_id": 3492152, "full_name": "Vincent Owen Toniwan", "title": "Founder/CTO", "founder_bio": "Co-founder at Arbital. Built and ran the backend and market-making infrastructure that powered Aevo as it scaled from $1B to ~$100B in cumulative volume - driving latency down to <2ms at 100k events/s. Built Aevo Degen from scratch, one of the first exchanges offering up to 1,000x leverage. Previously led backend at N1 (terminal.trade) and MEV infrastructure at Bitwyre.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vincent-owen-202a9821a/", "x_url": "https://x.com/0xvincent_eth", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e93aee4429cb608bc5224c9c3761ee549666ed47.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 110390, "title": "Arbital - Trade memes, stocks, and perps from one place", "tagline": "Trade Anything, Anywhere - 2,700 traders have traded $1.35B in 7 months", "body": "**TL;DR:** Arbital is a trading terminal for memecoins, stocks, and perps. In our first seven months, 2,700 traders have traded $1.35B through Arbital. We recently hit a record $41M in daily volume and are now doing \\~$435M/month in trading volume. \\\n\\\n\n\n**The problem**\n\nVolatility no longer lives in one market.\n\nOn any given day, it might be a memecoin ripping, an AI stock pumping, or a Korean or Chinese stock moving.\n\nBut two things get in the way:\n\n* **Discovery is noisy.** Trade ideas are scattered across social feeds, and it's hard to know who's credible or why they're making a trade.\n* **Execution is fragmented.** There's no single place to trade every market that matters - crypto, memes, perps, and equities.\n\nArbital brings traders, trade ideas, and markets into one place.\n\n**What we built**\n\nArbital is one place to discover and trade the markets you care about most.\n\nWith Arbital, you can:\n\n* Trade memecoins, equities, and perps\n* Run automated strategies like market making and grid trading\n\nWe’re also building a social, mobile-first trading app where users can discover what other traders are buying, understand their reasoning, and execute immediately.\n\n**Traction - first 7 months**\n\n* **$1.35B+** total trading volume\n* **$41M** in a single day - a new all-time high\n* **\\~$435M/month** in trading volume\n* **2,700** traders\n\n**Why us**\n\nBefore Arbital, we were early team members at Aevo. We helped scale the exchange from \\~$1B to $100B in cumulative volume, grew DAU from 1,000 to 30,000 in five months, and helped launch its token, which reached a \\~$3.8B peak valuation and is listed on Binance and Bybit.\n\nOn the engineering side, we built trading systems that handled 100K events per second with <2ms latency.\n\nNow we're using what we learned to build a simpler trading experience for a global audience.\n\n![uploaded image](/media/?type=post&id=110390&key=user_uploads/531306/fe17e817-a600-47c9-8476-41dabab20359)\n\n**Our asks**\n\nIf you trade memes, perps, or stocks, we'd love for you to try Arbital and tell us what you think. Trader feedback helps us make the product better.\\\n\\\n**Try Arbital:** \n\n**Feedback / intros:** [karon@intric.org](mailto:karon@intric.org)\n\n**Telegram:** @kp_9961", "url": "https://www.ycombinator.com/launches/SiU-arbital-trade-memes-stocks-and-perps-from-one-place", "votes": 69, "created_at": "2026-08-15T02:00:00.546Z" } ] }, { "id": 32782, "name": "Denta", "slug": "denta", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8126dcec05004e9a335df14d0116cf4774a61b06.png", "website": "https://denta.com", "all_locations": "San Francisco, CA, USA", "long_description": "Starting with dental benefits, we are relentlessly simplifying the process for patients to receive better coverage at a lower cost by putting the buying power back into the hand of the individual.", "one_liner": "Fortune 500 Dental Benefits for Startups", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1782407143, "tags": [ "Fintech", "Healthcare", "Health Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/denta", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/denta.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/trydenta/", "x_url": "https://x.com/jackbeecher23", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8126dcec05004e9a335df14d0116cf4774a61b06.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1959995, "full_name": "Jack Beecher", "title": "Founder/CEO", "founder_bio": "Dartmouth dropout. Studied CS & Math. Removing the biggest problem from dentistry: insurance.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jack-beecher-459a13180", "x_url": "https://x.com/jackbeecher23", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ec1fbfdbc45b527c4f8961d1bf237f521fe2b6eb.jpg" } ], "jobs": [ { "id": 109683, "title": "Founding Growth", "url": "https://www.ycombinator.com/companies/denta/jobs/re7M7Ih-founding-growth", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $130K", "equity_range": "1.00% - 2.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 111300, "title": "Denta 🦷 Dental Benefits", "tagline": "Save time and money on dental benefits", "body": "Denta makes dental benefits 25% cheaper by selling plans directly to employers and processing claims instantly with AI.\n\n**Growing up in Dentistry → Solving Its Biggest Problem**\n\nI grew up in the back office of my dad’s dental practices, spent my high school years answering patient calls, and built software for over 300 dentists during college. I'm now solving the industry's biggest problem: insurance.\n\n**The Waste**\n\nEveryone knows how bad health insurance is, dental insurance is worse. In the US, dental insurers collect $100B per year. Despite the $25B of that spent on administration, it still takes insurers three weeks to pay claims with paper checks that Denta can pay electronically in seconds.\n\n![uploaded image](/media/?type=post&id=111300&key=user_uploads/1959995/0f923bd6-9f67-40bc-bdbe-474a4882e652)\n\n**Saving you money**\n\nDenta helps startups self fund their dental insurance. Most Fortune 500s choose this model of insurance to save money while providing better employee benefits. For startups, this model was previously inaccessible.\n\n**Mission**\n\nDenta will not stop until all of America is covered. We believe by removing the friction and waste in the industry, there will be a new age of abundance where both the dentist and patient win.\n\n**Insure like the best**\n\nIf you want to save money on dental benefits while providing the best possible experience for your employees, sign up at [denta.com](http://denta.com)", "url": "https://www.ycombinator.com/launches/SxA-denta-dental-benefits", "votes": 8, "created_at": "2026-08-26T21:00:00.368Z" } ] }, { "id": 32816, "name": "Financial Datasets", "slug": "financial-datasets", "former_names": [ "Financial Datasets, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4b4bdae68fdd8f9d994fab11fca6b30709eb7e7c.png", "website": "https://financialdatasets.ai/", "all_locations": "New York City, NY, USA", "long_description": "Financial Datasets is an applied AI research lab building search and data infrastructure for agents, starting with financial markets.\r\n\r\nWe turn filings, company disclosures, and market data into structured, searchable information - helping agents find relevant facts, answer financial questions, and monitor markets in real time.\r\n\r\nFor 40 years, market data was built for people reading screens. We're rebuilding it for agents that research every company, all day, across the world.", "one_liner": "Connect your agents to the stock market ", "team_size": 1, "industry": "B2B", "subindustry": "B2B", "launched_at": 1786382003, "tags": [ "Fintech", "Investing", "AI", "Stocks" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "B2B" ], "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/financial-datasets", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/financial-datasets.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/financial-datasets", "x_url": "https://x.com/findatasets", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4b4bdae68fdd8f9d994fab11fca6b30709eb7e7c.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": 2001420, "full_name": "Virat Singh", "title": "Founder/CEO", "founder_bio": "Founder at Financial Datasets. 90,000+ stars on financial agent projects on GitHub. Previously tech lead at Faire, building search recommendations. Earlier software engineer at Airbnb (Payments, Search) and Acorns. Started career in buy-side M&A", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/singhvirat/", "x_url": "http://twitter.com/virattt", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9302e20b46784f462363671342e35fdaf1f8e9e3.jpg" } ], "jobs": [], "news": [ { "title": "The 10 Best Financial APIs for AI Coding Tools (2026)", "url": "https://medium.datadriveninvestor.com/the-10-best-financial-apis-for-ai-coding-tools-2026-21b4caeec56e", "date": "Jun 18, 2026" } ], "launches": [ { "id": 110463, "title": "Financial Datasets: Stock market data for AI agents", "tagline": "The best way to connect your agent to the stock market", "body": "Hey all,\n\nVirat here, founder of [Financial Datasets](https://financialdatasets.ai/) (S26).\n\nWe make it easy for your agents to access live market data for 27,000+ global stocks through a clean and predictable API.\n\nToday, hedge funds and companies building finance agents use [Financial Datasets](https://financialdatasets.ai/) as their market data layer. We are trusted by 1,000+ customers, serving millions of requests daily.\n\n\n\n**The problem**\n\nBloomberg, FactSet, and S&P spent 30 years building market data for humans staring at terminals. The entire stack assumes an analyst in the loop to interpret and verify the numbers.\n\nAgents can't use that stack. Instead, they need machine-readable schemas, natural language search, and a citation back to the source document. None of the incumbent infrastructure was built for the AI era.\n\n**What we built**\n\nThe only market API your agent needs:\n\n* A single place for your agent to gather all of its market data: fundamentals, earnings, KPIs, SEC filings, ownership, pre-IPO financials, prices, and more.\n* Live in seconds, not minutes. Financial data is parsed, structured, and queryable seconds after companies publish them.\n* Benchmarked against ground truth at 99.99% precision. Anything below that bar never reaches the API, so your agent never sees bad data.\n* Delivered over REST, an MCP server, and webhooks. Works out of the box with Claude, ChatGPT, Hermes, and OpenClaw.\n\nYou can ship our data inside your own product. Redistribution included, no per-seat pricing, no anti-AI usage restrictions.\n\n**The team**\n\nI'm Virat, founder of [Financial Datasets](https://financialdatasets.ai/). I have spent 14 years working as a software engineer at tech companies like Acorns, Airbnb, and Faire.\n\nI started Financial Datasets after getting frustrated by how difficult it was to give my agents high quality, real-time stock market data.\n\nI have been building finance agents since 2022 and posting about it daily on [X](https://x.com/virattt). My two open source projects, ai-hedge-fund (60K stars) and Dexter (27K stars), are used by professional and retail investors today.\n\n**Our ask**\n\nIf you’re building agents that touch the market, I’d love to chat. You can also try [Financial Datasets](https://financialdatasets.ai/) right now - it takes 30 seconds to set up and pull data from our API.", "url": "https://www.ycombinator.com/launches/Sjf-financial-datasets-stock-market-data-for-ai-agents", "votes": 6, "created_at": "2026-08-19T20:00:00.465Z" } ] }, { "id": 32913, "name": "Pacific", "slug": "pacific", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/196624bfab919b6dd989cb601af1771954cb562e.png", "website": "https://pacific.space", "all_locations": "San Francisco, CA, USA", "long_description": "We mass-produce modular data centers that deploy on stalled infrastructure projects losing billions per week.\r\n\r\nDelayed infrastructure projects hemorrhage $1B a week in the US alone - Pacific mass-produces modular data centers that deploy on those sites in days and turn their unused power into revenue.\r\n\r\nData centers are stuck for years waiting for power, while delayed construction sites across the world sit on unused interconnects, losing billions of dollars per week in interest on trillions of dollars of debt. Our pods deploy on those sites and generate revenue for them in days. They use diamond wafers in the cooling system so pods run anywhere on earth, even a desert. \r\n\r\nWe'll use the same mechanisms we're building today to deploy compute across the galaxy.\r\n", "one_liner": "Mass-producing and financing micro data center incredibly quickly.", "team_size": 6, "industry": "Industrials", "subindustry": "Industrials", "launched_at": 1786300632, "tags": [ "Fintech", "Robotics", "Space Exploration", "Manufacturing", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Industrials" ], "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/pacific", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/pacific.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pacific-compute", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/196624bfab919b6dd989cb601af1771954cb562e.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": 3218344, "full_name": "Harper Dammann Smith", "title": "Founder/CEO", "founder_bio": "Founder and CEO of Pacific - Grew my drone startup to $1M in revenue at 18; left school to shoot expeditions for Red Bull on 7,000m peaks. Studied aerospace engineering; dropped out after selling my first company. Now mass producing modular data centers that deploy in days turning unused power into Ai factories.\n\nI'll go to space one day.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/harper-dammann-smith/", "x_url": "https://x.com/harperdammann?s=21", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3e20832d513b9aced0007904f88c4e05ba173221.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 109996, "title": "Pacific: Mass-producing and deploying micro data centers for Earth and Space", "tagline": "Pacific mass produces micro data centers for Earth and space, faster than anyone else.", "body": "**Building the toughest super computers for earth and space**\\\n\\\n**TL;DR:** Data centers are stuck for years waiting for power, while delayed construction sites across the world sit on unused interconnects, losing $1B per week in the US alone, in interest on trillions of dollars of debt. Our pods deploy on those sites and generate revenue for them in days. They use diamond wafers in the cooling system so pods run anywhere on earth, even a desert.\n\n\n\n**The deal**\n\nIf you need compute (GPU hours, tokens, capacity for a training run) send us a note. We sell short and long-term contracts below market rate.\n\nIf your data has to stay on-prem (**defense, CUI, CMMC)**, we sell managed, modular pods directly and are already working with large aerospace companies.\n\n**We're building factories**\n\nSpaceX didn't just build rockets, they built rocket factories. We do the same and our first factory stands up over the next few months, potentially funded by the state of Missouri. We vertically integrate the critical components that currently carry multi-year lead times: transformers, switchgear and power distribution, and by taking control of our own supply chain we ensure we can build pods fast enough.\n\n**Financed like aircraft**\n\nOur pods are financed like aircraft - debt at **\\~5-6%, not 11-15%**. A data center is a risky construction loan: money stuck in a half-built site for years, and if it fails the lender holds a building and a pile of GPUs priced by a brutally volatile market - the banks are freaking out. Our pods leave the factory fully functional, earns the moment it's connected to power, and can be repossessed and redeployed: the profile of equipment finance, far faster and cheaper.\n\n**Traction**\n\nToday we have $95M in LOI’s for our hosted compute and a further $27M for direct sales of our pods. Our first two clusters go live in Missouri this month, followed by the first modular factory.\n\n**Our asks**\n\n* **Compute buyers and offtake.** We'd love to speak to anyone buying compute, or setting up on-prem deployments, or needing CMMC compliance. Introductions to procurement teams at OpenAI, Anthropic, or any startup constrained by access to cheap compute would be incredible.\n* **Hiring.** Data center engineers, electrical engineers, any data center nerds you know.\n* **Financiers.** These projects run on capital from infra investors and tech lenders. If you've worked in that world, we'd love to chat.\n* **Construction sites.** If you sell to construction sites, work in construction, mining, or fab production, or own a site yourself - we will put a money machine on it. Let's chat.\n\n**Join us as we build supercomputers for the galaxy!**\n\n![uploaded image](/media/?type=post&id=109996&key=user_uploads/3218344/e8f50721-c56b-4585-9abf-7d11cf11d5c3)\n\n", "url": "https://www.ycombinator.com/launches/Sc8-pacific-mass-producing-and-deploying-micro-data-centers-for-earth-and-space", "votes": 10, "created_at": "2026-08-12T17:30:05.717Z" } ] }, { "id": 32914, "name": "Last Accounting Company", "slug": "last-accounting-company", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cf21d2add4951b9271177840cd785b32579fdb0f.png", "website": "https://lastaccountingcompany.com/", "all_locations": "Helsinki, Finland", "long_description": "Last Accounting Company (LAC) is a full-stack AI accounting firm. We sell the same service (bookkeeping, tax filings, etc.) as a traditional accounting firm, but underneath agents handle everything and a certified accountant signs off. Our service is faster, cheaper, and fully integrated, allowing our clients to focus on what matters, not accounting admin.\r\n\r\nLAC replaces both outsourced accountants and legacy accounting software for startups and SMBs. Our system is fully proprietary, from the general ledger to the accounting agents. This allows us to create powerful self-reinforcing loops and ultimately provide a state-of-the-art accounting service.", "one_liner": "AI-native accounting firm.", "team_size": 4, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1784575015, "tags": [ "Fintech", "Finance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Finland", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/last-accounting-company", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/last-accounting-company.json", "year_founded": 2026, "city": "Helsinki", "country": "FI", "linkedin_url": "https://www.linkedin.com/company/lastaccountingcompany", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cf21d2add4951b9271177840cd785b32579fdb0f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/d8ee1ef9812e159b693b8ea9e2dca2f73efbf278.png" ], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 3677074, "full_name": "Sami Laakkonen", "title": "Founder", "founder_bio": "CEO & Co-Founder at Last Accounting Company. Built petabyte-scale data infra for clients incl. Google and Bloomberg. 2x Nordplus International Science Olympiad in Physics. Ex-fighter pilot training. CS dropout.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sami-laakkonen/", "x_url": "https://x.com/samilaa", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c78fe557404b8f7ef13811329fbe25bb5f686606.jpg" }, { "user_id": 2422668, "full_name": "Riki Karjalainen", "title": "Founder", "founder_bio": "Co-Founder at Last Accounting Company. Previously built petabyte-scale data infrastructure at Token Terminal. Applied Mathematics at Aalto University.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/riki-karjalainen-22a612189", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e6694a4980bf011635833fac045307bbc3efbf34.jpg" }, { "user_id": 3682484, "full_name": "Veikko Pere", "title": "Founder", "founder_bio": "Co-Founder at Last Accounting Company. Previously at BCG and private equity at Intera Partners with IB and law internships. M.Sc. Finance and M.Sc. Laws (ongoing).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/veikkopere/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/60197292925f48ab44361841ce811633735344c7.jpg" }, { "user_id": 3657494, "full_name": "Pietari Virkkunen", "title": "Founder", "founder_bio": "Co-Founder at Last Accounting Company. Prev. Tech/PE/VC. M.Sc. Industrial Engineering and Management at Aalto University.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pietarivirkkunen/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/530764dc365306895ac5eeed832500b2759e5ef8.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 111616, "title": "The Last Accounting Company you’ll ever need", "tagline": "Agent-native accounting firm that replaces the legacy software and the outsourced service.", "body": "Hey YC 👋\n\nWe’re[ Riki](https://www.linkedin.com/in/riki-karjalainen-22a612189),[ Sami](https://www.linkedin.com/in/sami-laakkonen/),[ Veikko](https://www.linkedin.com/in/veikkopere/), and[ Pietari](https://www.linkedin.com/in/pietarivirkkunen/), the founders of[ Last Accounting Company](https://lastaccountingcompany.com/).\n\n**TL;DR**\n\n**LAC is the agent-native accounting firm. \\\nAI agents do the work and our (human) accountants validate all outputs.**\n\nWe replace both the traditional accounting firm and the legacy accounting software with one end-to-end service. Founders get current books, correct filings, and an always up-to-date general ledger, not another dashboard to operate.\n\n[https://drive.google.com/file/d/100N7xvBREGMXpbgnYOUNAiFqht0Gc3EA](https://drive.google.com/file/d/100N7xvBREGMXpbgnYOUNAiFqht0Gc3EA/view?usp=sharing)\n\n**🗃️ The problem**\n\nFounders didn’t start companies to learn accounting. Yet disconnected systems turn them into the human link between their accountant, bank, payroll, invoices, and internal tools.\n\nThey find and forward data, wait for questions, track down missing context, and repeat the cycle. By the time the books are closed, the numbers are often too old to guide day-to-day decisions.\n\n**🛠 Our solution**\n\nLAC connects directly to your bank, payroll, and internal systems. Our agents:\n\n* Keep the general ledger continuously up to date\n* Handle bookkeeping, invoices, payroll, and receipts\n* Prepare filings according to local requirements\n* Surface missing information and potential issues early\n\nOur expert accountants validate the work before anything is filed.\n\nLAC also connects financial data with the tools teams already use, including ERP, CRM, and product analytics. Through our Slack agent or MCP, founders can ask questions like:\n\n* What are our burn and runway?\n* How’s our cash flow looking for Q3? Can we afford a new hire?\n* Where did spending change this quarter?\n\n**Your books stop being only a filing obligation. They become the ground truth behind every decision.**\n\nUnlike accounting tools built for one task at a time, LAC is one system—from the general ledger to the accounting agents—and we operate the service ourselves.\n\nCustomers simply get their accounting done.\n\n**👥 The team**\n\nWe’re three technical builders and one finance-and-law brain. Riki and Sami previously built petabyte-scale financial data infrastructure at Token Terminal. Veikko brings experience from BCG, private equity, finance, and law. Pietari brings engineering and sales experience across tech, VC, and PE.\n\n**🙏 Our ask**\n\nRun a startup or SMB in Europe or the US, or know someone who does?\\\nWe’d love to show you what LAC can do! A one-line intro is enough and we’ll take it from there.\n\nEmail us at: [hello@lastaccountingcompany.com](mailto:hello@lastaccountingcompany.com)\\\nSign up or read more at:[ ](https://lastaccountingcompany.com/)[lastaccountingcompany.com](http://lastaccountingcompany.com)", "url": "https://www.ycombinator.com/launches/T2G-the-last-accounting-company-you-ll-ever-need", "votes": 70, "created_at": "2026-08-21T17:08:00.094Z" } ] }, { "id": 33018, "name": "Agentcard", "slug": "agentcard", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5470e0782b6543d28db5fba3d76fabbdb0b65435.png", "website": "https://www.agentcard.com", "all_locations": "San Francisco, CA, USA", "long_description": "Agentcard let's companies buy anything online. We work with companies building personal assistants to enable payments.", "one_liner": "let agents buy anything online", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1780682746, "tags": [ "Fintech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/agentcard", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/agentcard.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "https://x.com/agentcardhq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5470e0782b6543d28db5fba3d76fabbdb0b65435.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tyler Bosmeny", "url": "https://www.ycombinator.com/people/tyler-bosmeny" }, "founders": [ { "user_id": 347376, "full_name": "Karen Serfaty", "title": "Founder/CEO", "founder_bio": "CEO & founder at Agentcard. Previously CEO at Atlas, an expense card for global teams (acq. by Remote.com). GM, Cards at Remote.com. Co-founder/CEO at Palabra. Co-founder/CTO at Nilus. Studied Universidad de San Andrés.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/keyserfaty/", "x_url": "https://twitter.com/keyserfaty", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9a7f149b222e50cb6a5d45e0924b01e869722853.jpg" }, { "user_id": 363364, "full_name": "Felipe Abello", "title": "Founder/CTO", "founder_bio": "cofounder at agentcard.sh - prev: cofounder at infactory.ai - founder & CEO at Nara (Helloguru W22) - ex @Rappi (1st employee).", "is_active": true, "linkedin_url": "https://linkedin.com/in/pipe-abello-2512b9195", "x_url": "https://twitter.com/PipeAbellos", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/93a0a14dff5fd9699028e53e41ccea1045766a8c.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 112244, "title": "Agentcard: Cards for AI agents", "tagline": "Let agents buy anything online", "body": "[ ](https://www.youtube.com/watch?v=RaeATYNiBbY)\n**TL;DR**\\\nBuying online with agents is hard. You can't share your card with your agent, browser automations are broken and slow, and most checkout pages block agents, mistaking them for bots. Agentcard gives companies a solution for storing users' credit cards and completing checkout pages with a 99% success rate.\n\n**Ask**: building an agent that buys things on behalf of your users? send us a msg: [founders@agentcard.sh](mailto:founders@agentcard.sh)\n\n![uploaded image](/media/?type=post&id=112244&key=user_uploads/347376/2d085793-25d2-412b-9d20-40785159d157)\n\n**Problem**\n\nCompanies building personal AI assistants want to give their users a simple way to buy using agents. Today, they need to 1) create browser automations to navigate online stores, 2) store users' cards, and 3) complete checkout pages. None of this is their main product. And current solutions don't work: agentic protocols for storing cards have an 8% card acceptance rate (i.e., most of your cards don't work) and are US-only; agentic browsers get blocked when trying to complete a checkout page; companies store cards without being PCI compliant; and, finally, any dispute becomes a problem for the merchant.\n\n**Our solution**\n\n* **Card vault**: a PCI-compliant way to store users' cards.\n* **Agent-browser integration**: native integration with the main agent browsers.\n* **Bring your own browser**: simple integration with your own browser.\n* **Checkout completion**: 99% success rate on the most popular merchants (Shopify, Stripe and others).\n\n**How it works**\n\n![uploaded image](/media/?type=post&id=112244&key=user_uploads/347376/9b3b8719-6d1d-44c1-9995-685b7e2d0036)\n\n1. **Store card**: share a safe link with your customer and store their cards with Agentcard.\n\n![uploaded image](/media/?type=post&id=112244&key=user_uploads/347376/5282b31a-6d30-4a8e-a00d-972dfde54697)\n\n2. **Shop**: with the agent browser of your choice, complete the purchase on behalf of your user using a dummy card.\n\n![uploaded image](/media/?type=post&id=112244&key=user_uploads/347376/612a72b0-6f23-4791-a731-2acc837afe5b)\n\n\n3. **Human authorization & checkout handoff**: share the cart URL with Agentcard and let us complete it.\n\n![uploaded image](/media/?type=post&id=112244&key=user_uploads/347376/de5efb81-bc1a-4caa-ba18-fe25af0f257f)\n\n4. **Success**: we notify you when the purchase is done.\n\n**Team**\n\n![uploaded image](/media/?type=post&id=112244&key=user_uploads/347376/d538ba37-4d5d-4693-a2cb-269790b34248)\n\n* **Karen Serfaty**: CEO @ Agentcard. Prev. CEO @ Atlas (acq. by Remote). An expense card for global teams. Before that CTO @ Nilus incubated at Harvard; software engineer for +10 years.\n* **Felipe Abello**: CTO @ Agentcard. Employee #1 @ Rappi. Prev. CEO @ Helloguru (YC W22). Prev. co-founder @ Infactory.\n* **Braxter**: Sales @ Agentcard. All things Agentcard. Haters will say he’s an AI character. Don’t listen.", "url": "https://www.ycombinator.com/launches/TCO-agentcard-cards-for-ai-agents", "votes": 38, "created_at": "2026-08-26T18:00:00.618Z" }, { "id": 103608, "title": "Agentcard: Debit cards for AI agents", "tagline": "Everything an agent needs to pay for things online", "body": "hey everyone, we're [Karen](https://x.com/keyserfaty) and [Felipe](https://x.com/PipeAbellos), and we are building [Agentcard](https://www.agentcard.sh/): debit cards for AI agents.\n\n# TL;DR\n\nAI agents are finally smart enough to do real things for you. but the second they need to pay for something, they're stuck, and handing an agent your real card (no limits, no controls) is a terrible idea.\n\nso we built [Agentcard](https://www.agentcard.sh/): give your agent its own debit card: fund a wallet, set a budget, and issue one-time cards that auto-close after a single charge. works with any agent over MCP, the CLI, or our API. its everything an agent needs to pay for things online. here's the lineup:\n\nso we built Agentcard — everything an agent needs to pay for things online. here's the lineup\n\n# the team\n\n[Karen](https://x.com/keyserfaty) (CEO): former CEO @ Atlas (acquired by Remote), then turned down a job at Stripe to build Agentcard instead.\n\n[Felipe](https://x.com/PipeAbellos) (CTO): second-time YC founder (HelloGuru, W22) and first employee at Rappi (YC W16), where he shipped consumer products at scale. \n\n# the problem\n\nagents can now research, plan, and decide but the second they need to pay, they're stuck. the workarounds are all bad: hand your agent your real card and you've got no limits and no controls (one bad prompt from disaster), or build your own issuing + checkout stack and lose months becoming a payments company. so agents do the first 90% and hand checkout back to you, the most valuable step is the one they can't take.\n\n# the solution\n\n[Agentcard](https://agentcard.sh/) is everything an agent needs to pay for things online:\n\n* **💳 cards**\\\n give any agent its own debit card: fund a wallet, set a budget, and issue one-time cards that auto-close after a single charge. if something goes wrong, the blast radius is one capped card, not your bank account.\\\n \n* **🛒 buy (new — launching today!)**\\\n you don't even wire up a merchant. connect once, then tell your agent \"buy me sushi\" and it runs the whole thing — search, cart, checkout, payment — in the conversation. first up: DoorDash, right from inside Claude. it feels like magic 🥹\\\n \n* **🏢 Agentcard for companies**\\\n drop [Agentcard](https://www.agentcard.sh/) into your own product and give your users' agents their own cards at scale, with budgets and spend controls built in.\n\nall of it works with any agent: over MCP, the CLI, or our API. and people are already using it: agents out there paying for OpenAI subscriptions, groceries and infra on their own.\n\n# our ask\n\n* building with agents? try it → [agentcard.sh](http://agentcard.sh), and tell us which merchant we should add next\n* building a product whose agents should buy things? let's talk → [founders@agentcard.sh](mailto:founders@agentcard.sh)\n\nthanks everyone 🙏", "url": "https://www.ycombinator.com/launches/Qx6-agentcard-debit-cards-for-ai-agents", "votes": 31, "created_at": "2026-06-25T19:25:46.736Z" } ] }, { "id": 33048, "name": "Pennant", "slug": "pennant", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7fbb4be6497bcd38a1210a0561cf3eb84422ab32.png", "website": "https://www.getpennant.ai", "all_locations": "New York City, NY, USA", "long_description": "Led by former institutional proxy voters and technologists with a collective 20+ years of experience, Pennant gives institutional investors, public companies, and corporate advisors voting and governance intelligence to act on their own principles at scale.", "one_liner": "The World Model for Corporate Governance", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1786584832, "tags": [ "Fintech", "Investing", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pennant", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/pennant.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pennant-ai", "x_url": "https://x.com/pennant_ai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7fbb4be6497bcd38a1210a0561cf3eb84422ab32.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/642317534b66a99aea64b59d023b97471b2e61fe.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/5dd4ad2aebecc8b69db01a98a2fc2aa9ffedb2e8.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 3388610, "full_name": "Ryan Nowicki Stewart", "title": "Founder/CEO", "founder_bio": "Co-Founder at Pennant. 10+ years asset management, proxy voting & shareholder activism industry experience across PJT, State Street and BlackRock. Palantir Startup Fellowship Cohort 002. Cornell U. Economic Club of NY. Hoover Institution.\n\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ryan-nowicki-stewart/", "x_url": "https://x.com/rywicks", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2ce9a1682e6222638bce37b0d89bdf0e78b7aeb8.jpg" }, { "user_id": 473596, "full_name": "Tomas Taylor", "title": "Founder/CTO", "founder_bio": "Co-Founder at Pennant. Previously PM at BlackRock. Founded Mindware, an agent tooling infrastructure startup, before MCP. Also co-founded ClawCon, the fastest-growing community for Personal AI.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomastaylor", "x_url": "https://x.com/0xtotaylor", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cf9b1177e1c0378455a6b6503c630ed7aed90706.jpg" } ], "jobs": [ { "id": 111722, "title": "Founder Fellow - GTM, Growth & Strategy", "url": "https://www.ycombinator.com/companies/pennant/jobs/21lflHF-founder-fellow-gtm-growth-strategy", "location": "New York, NY, US", "type": "Internship", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [ "Data Analytics", "Figma", "Evals", "AI Agents", "AI Safety", "Generative AI" ] }, { "id": 111727, "title": "Founder Fellow - Applied AI", "url": "https://www.ycombinator.com/companies/pennant/jobs/eUFGOW1-founder-fellow-applied-ai", "location": "New York, NY, US", "type": "Internship", "role": "Engineering", "role_type": "AI engineer", "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [ "Google Cloud", "Node.js", "PostgreSQL", "Python", "TypeScript", "SQL", "Prompt Engineering", "LLMs", "Evals", "AI Agents", "BigQuery", "Generative AI", "OpenAI", "LangSmith" ] }, { "id": 111752, "title": "Founding Engineer, Data & AI", "url": "https://www.ycombinator.com/companies/pennant/jobs/z6mIB9W-founding-engineer-data-ai", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K - $250K", "equity_range": "0.25% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Go", "Google Cloud", "Kubernetes", "Node.js", "PostgreSQL", "Python", "TypeScript", "SQL", "Docker", "ETL", "gRPC", "Terraform", "LLMs", "AI Agents", "LangChain", "BigQuery", "Generative AI", "NestJS", "OpenAI", "LangSmith", "Datadog" ] }, { "id": 111753, "title": "Founding Engineer, Product", "url": "https://www.ycombinator.com/companies/pennant/jobs/Y5USzcY-founding-engineer-product", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "0.25% - 1.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Google Cloud", "Node.js", "PostgreSQL", "React", "TypeScript", "SQL", "Next.js", "LLMs", "AI Agents", "Generative AI", "NestJS", "Vercel", "Playwright", "OpenAI", "LangSmith", "Datadog" ] } ], "news": [ { "title": "EP28: Proxy Voting Is Always On: Pennant’s Ryan Nowicki Stewart on AI-Native Proxy Voting", "url": "https://www.thefundaipod.com/episodes/episode/33ed71e2/ep28-proxy-voting-is-always-on-pennants-ryan-nowicki-stewart-on-ai-native-proxy-voting", "date": "Oct 13, 2026" }, { "title": "AI tools emerging in proxy voting - Pensions & Investments", "url": "https://www.pionline.com/technology-innovation/artificial-intelligence/pi-ai-tools-emerging-proxy-voting/", "date": "Oct 04, 2026" }, { "title": "START: Ryan Nowicki Stewart, CEO & Co-Founder, Pennant: \"The Corporate Governance OS for Public Markets\" | Fondo", "url": "https://fondo.com/blog/start-ryan-nowicki-stewart?utm_term=ryan-nowicki-stewart-pennant&utm_campaign=10061329-Startup%20Growth%20Podcast&utm_content=386749028&utm_medium=social&utm_source=twitter&hss_channel=tw-1843505047692554240", "date": "Sep 30, 2026" }, { "title": "Boardroom Governance - Ryan Nowicki Stewart", "url": "https://podcasts.apple.com/in/podcast/ryan-nowicki-stewart-ceo-pennant-ai-ai-proxy-voting/id1513064579?i=1000792196213", "date": "Sep 29, 2026" }, { "title": "Cornell University: Successful Alumni Who Founded Startups - TechRound", "url": "https://techround.co.uk/startups/cornell-university-successful-alumni-who-founded-startups/", "date": "Sep 25, 2026" } ], "launches": [ { "id": 110156, "title": "Pennant - The Corporate Governance OS for Public Markets", "tagline": "AI-native proxy voting and governance intelligence, built by the team who used to do it by hand.", "body": "**TL;DR:** Pennant is building AI-native proxy voting solutions for institutional investors, public companies, and their advisors. We’re live with paying enterprise customers, including one of the largest US public pension plans, a Top AmLaw 100 firm, and leading governance advisors. Before Pennant, our team built trillion-dollar tech at BlackRock, cast proxy votes at State Street, and advised Fortune 100 boards at PJT.\\\n\\\n[https://drive.google.com/file/d/1_WDs1VB213EcPS5caE5XK7L6UkZLz07l](https://drive.google.com/file/d/1_WDs1VB213EcPS5caE5XK7L6UkZLz07l/preview)\n\n**The problem:** Proxy voting at publicly traded companies drives trillions in market value every year. Shareholder votes decide $100B mergers, trillion-dollar pay packages, and the boardroom battles that define companies.\n\nYet the work is brutally manual: reviewing thousands of pages of SEC filings, research, and engagement notes that live in a patchwork of PDFs, spreadsheets, and post-it notes. And for professional advice, the market has relied on two firms, ISS and Glass Lewis, for 40+ years, a duopoly that controls 97% of the market.\n\n**Why Now:** Technological change and market sentiment are ripping this market wide open.\n\nCEOs have been sounding the proxy-advisor alarm for years:\n\n![uploaded image](/media/?type=post&id=110156&key=user_uploads/3388610/45604eff-9d48-4271-90ed-b3bf6000b461)\n\n![uploaded image](/media/?type=post&id=110156&key=user_uploads/3388610/a5232d8f-91b7-44bd-8116-f0d251b764d0)\n\nAnd now big investors and the White House are taking action.\n\n![uploaded image](/media/?type=post&id=110156&key=user_uploads/3388610/12da7f65-6e5c-4e57-b2d5-76c18fac1fcf)\n\n![uploaded image](/media/?type=post&id=110156&key=user_uploads/3388610/00e9661e-2b7e-414d-8c2c-f4d4f47b8b55)\n\n![uploaded image](/media/?type=post&id=110156&key=user_uploads/3388610/47c99681-6ca9-484b-ab33-102a4021cd92)\n\nJPMorgan is even building its own solution. But 99% of the investors, companies, and advisors we talk to don't want to own this themselves, or don't have the resources to. That's where Pennant comes in, and it's why we're winning business out of the gate.\\\n\\\n**Why Pennant is better:** Pennant isn't a better proxy advisor. We're building something bigger: the AI-native operating system for corporate governance, built by former proxy voters and technologists, a team that cast these votes and shipped the software at institutional scale.\n\nPennant gives institutional investors, and the advisors and companies they engage with, voting and governance intelligence to act on their own principles at scale. Legacy tools follow rigid rules; Pennant reasons through each ballot item, inbound email, and engagement question the way your team would, handling the clear calls and flagging the nuanced ones, keeping people in the driver's seat.\n\nAs one of our customers put it last week, “\\[incumbent xyz\\] can handle our routine stuff for another year, but we’re thrilled to use Pennant for the custom heavy-lifting that we’ve been wanting to do for a long time, and use you for everything from there.”\n\nPennant also serves the other side of the vote: public companies, law firms, and bankers who need to read their shareholder base and predict risk before the annual meeting. Same data, bigger market. The market at the intersection of investing and corporate governance is estimated at well over $200 billion, and it remains largely unserved by today's tools.\n\n**Traction:** Pennant is live with paying enterprise customers, including one of the largest US public pension plans, a Top AmLaw 100 firm, and leading governance advisors. We're partnered with a top global asset manager as a design partner and are actively engaged with S&P 500 companies. Before YC S26, Pennant was selected for Palantir's Startup Fellowship (Cohort 002).\n\n**Why us:** We've known each other for 15 years, since our undergrad days at Cornell, and started our careers on the same analyst desk at BlackRock building tech products for these exact customers. We have a rare pairing: direct industry experience as the customer, plus the engineering chops to ship fast and earn trust.\n\nAfter BlackRock, Ryan (CEO) was the customer for 6+ years, voting proxies at 3,000+ company meetings and advising Fortune 100 companies on how to win critical votes at PJT Partners. He used Glass Lewis and ISS every day.\n\nTommy (CTO) took the technical path, shipping products at BlackRock before earning his Harvard MBA and founding Mindware, where he built workflow-ready infrastructure for AI agents. He was building agentic AI before \"agents\" were hot, and Pennant is where his engineering background meets Ryan's proxy-voting expertise.\n\n**Our ask:** If you own or touch proxy voting as an investor, advisor, or public company, we want to talk: \n\nLearn more at [getpennant.ai](http://getpennant.ai)\n\n![uploaded image](/media/?type=post&id=110156&key=user_uploads/3388610/d8fefc8c-cf1c-4ef8-a175-f112644f9ca7)\n\n", "url": "https://www.ycombinator.com/launches/Sei-pennant-the-corporate-governance-os-for-public-markets", "votes": 19, "created_at": "2026-08-12T18:30:00.287Z" } ] }, { "id": 33178, "name": "TovenAI", "slug": "tovenai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b832a1e965bc59dfbc18a9817802870d7264332.png", "website": "https://toven.ai", "all_locations": "San Francisco, CA, USA", "long_description": "TovenAI builds a platform of AI agents that handle manual, data-intensive work for compliance teams at institutional trading firms, with six agents currently live. Our customers range from specialist firms to large global institutions, with our agents supporting multiple compliance workflows at a top-10 institutional brokerage.\r\n\r\nWith prebuilt connectors to more than 30 systems—including Bloomberg, Cloud9, and NICE Actimize—firms can onboard to our platform and evaluate results using their own data in less than a week.", "one_liner": "AI agents for compliance at institutional trading firms", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1786560317, "tags": [ "Fintech", "Compliance", "Regtech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tovenai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/tovenai.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tovenai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2b832a1e965bc59dfbc18a9817802870d7264332.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 695373, "full_name": "Batu Balci", "title": "Founder/CEO", "founder_bio": "Founder at TovenAI. Previously Quantitative Research Engineer at Citadel's Global Quantitative Strategies group. Senior Software Engineer at Salesforce. Stanford CS.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/batuhan-balci-7a3589114/", "x_url": "https://x.com/batubbalci", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/24f0a192733f83d6c638efaa5efeb8c9521f2e84.jpg" }, { "user_id": 2817439, "full_name": "Sam Turchetta", "title": "Founder/CTO", "founder_bio": "Cofounder at TovenAI. Previously worked on ML at Meta. Stanford Men’s Varsity Tennis and CS ’21.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sam-turchetta-b14311166/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/25fb2bee3c76413e5285ab143882be546aabb6c8.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 110467, "title": "TovenAI: Your intelligent compliance stack for finance", "tagline": "AI agents for compliance at institutional trading firms that understand firm policies, analyze activity across systems, and surface what matters most", "body": "**TL;DR:** Compliance teams at institutional trading firms still spend hours manually sifting through mountains of data across recorded calls, chats, and trade records to investigate activity and produce defensible audit trails. Determining what matters requires not only finding the right data, but also interpreting activity against applicable regulations and the firm’s own policies and procedures. TovenAI is building a platform of AI agents that connects to their systems, assembles the evidence, and surfaces what matters for compliance teams at these firms—think the sales and trading businesses at banks like Bank of America and specialist brokerages like Marex.\n\nWe are live at one of the top 10 institutional trading firms in the U.S., with multiple AI agents delivering value through our platform.\n\n\n\n## **What we built**\n\nTovenAI’s agents analyze activity across existing communications and trading systems using each firm’s policies, procedures, and applicable regulations as context, assembling the relevant evidence for compliance teams.\n\nOur trade-reconstruction agent rebuilds the full sequence of a trade, links every event to its source evidence, and reduces the process from around four hours to minutes. Our electronic-communications surveillance agent reduces the false-positive burden by 3× and, in a head-to-head evaluation, delivered roughly 7× more value per alert reviewed than the market-leading incumbent.\n\nOur platform supports several other compliance workflows, giving teams broader coverage with less manual work.\n\nWith prebuilt integrations to more than 30 systems – including Bloomberg, Cloud9, CME and NICE Actimize – firms can evaluate TovenAI on their own data in under a week without replacing their existing stack.\n\n## **Why us**\n\nWe met eight years ago at Stanford. Batu later worked as a quantitative research engineer at Citadel Global Quantitative Strategies, building AI systems for quantitative research. Sam was a machine learning engineer at Meta, working on its ads recommendation systems.\n\nWe work closely with our customers and sit besides compliance officers every day. This gives us a rapid feedback loop, lets us see their workflows firsthand, and allows us to redesign compliance operations with AI at their core.\n\nSam’s mother spent her 15-year career in risk and compliance and was our first sounding board as we began exploring the space.\n\n## **Our ask**\n\nWe would love introductions to compliance leaders at firms with institutional trading businesses.\n\nThink the sales and trading divisions of banks like **JPMorgan, Bank of America, Citizens**, as well as specialist brokerages like **TP ICAP and Marex**. We are interested in firms of all sizes, from specialist brokerages to the largest global banks.\n\nIf you know a broker or trader at one of these firms, they can likely connect us with someone on their compliance team.\n\nA one-line introduction is enough, and we will take it from there.\n\nEmail us at: [**founders@toven.ai**](mailto:founders@toven.ai)\n\nLearn more about us at .", "url": "https://www.ycombinator.com/launches/Sjj-tovenai-your-intelligent-compliance-stack-for-finance", "votes": 63, "created_at": "2026-08-19T18:58:36.456Z" } ] }, { "id": 33278, "name": "PRINCEPS", "slug": "princeps", "former_names": [ "Princeps Dev" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8face6fd127a729a79aa67ef1d9e4669f91060ab.png", "website": "https://princeps.dev", "all_locations": "London, England, United Kingdom", "long_description": "PRINCEPS is the first purpose-built insurance company for the trillion-dollar compute buildout. We underwrite SLA, GPU residual value, and outage risk, and price the coverage that unlocks cheaper financing for data centers and neoclouds.", "one_liner": "AI-native insurance company for the compute economy", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1786600478, "tags": [ "Fintech", "Machine Learning", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/princeps", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/princeps.json", "year_founded": 2026, "city": "London", "country": "GB", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8face6fd127a729a79aa67ef1d9e4669f91060ab.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Vivian Midha Shen", "url": "https://www.ycombinator.com/people/vivian-midha%20shen" }, "founders": [ { "user_id": 3685149, "full_name": "Conrad Frøyland Moe", "title": "Founder/CEO", "founder_bio": "Co-Founder of PRINCEPS. Previously Treasurer of the Oxford Union (£3M+ institution). Experience from national Norwegian politics. Co-Founded an events company at whilst at Oxford University: scaled to 650+ tickets per event at £15K+ revenue. \nB.A Oxford (History & Politics)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/conrad-frøyland-moe-7950b1229/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3f9d3c85109c1e611b1a72db32bde5c3f770bd8f.jpg" }, { "user_id": 3671622, "full_name": "Anya Trofimova", "title": "Founder/COO", "founder_bio": "Co-Founder of PRINCEPS. Previously worked on data centre project finance, including a $2bn Gulf data centre deal and the first ever space data centre project, and built software for UK Parliament on energy and industrial policy. Youth Fellow at Chatham House researching defence and infrastructure security. Oxford Casberd academic Scholar and former VP of the Oxford Union ($3M+ institution). Designed and led a UN digital campaign at 16.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/anyatrofimova", "x_url": "https://x.com/anya_trofimova7", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/46f402a445d84bb9a5f2b87c6c18d4cc67c14ea4.jpg" } ], "jobs": [ { "id": 114920, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/princeps/jobs/nLXB8CE-founding-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$80K - $150K", "equity_range": "0.50% - 1.50%", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [] }, { "id": 33282, "name": "Florin", "slug": "florin", "former_names": [ "Bolten AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48074691217afbc59a4443c6ffa2379a823efda9.png", "website": "https://florin.inc", "all_locations": "San Francisco, CA, USA", "long_description": "Florin is a full-stack insurance carrier where a model does the underwriting. When a submission comes in, Florin reads the ACORD forms, then investigates the risk on its own: satellite imagery, permits, public records, even the insured's Instagram, and catches exposures that never make it onto the application. It then simulates tens of thousands of ways the policy year could go, prices the risk, and returns a bindable quote in under a minute instead of weeks. The team is ex-Google, Tesla, Amazon, and Terrafirma, and the bet is that a carrier built this way wins on loss ratio, speed, and cost at the same time.", "one_liner": "Florin is an AI-native insurance company that runs autonomously", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1782360987, "tags": [ "Fintech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/florin", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/florin.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/florinhq/", "x_url": "https://x.com/florin_hq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/48074691217afbc59a4443c6ffa2379a823efda9.png", "app_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/bf-public_profile/33340/app_video.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAQC4NIECAOMAGS7ZB%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022740Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEHEaCXVzLXdlc3QtMiJHMEUCIG5%2FEuPdHreXKRdGLYlyC2AjaYHPccvwucNqtFtDJEpNAiEAs4s5lSDOcogMQrwGhSKvVJXgimMvlIc1KK%2Fa7hojYD4q5QMIOhAAGgwwMDYyMDE4MTEwNzIiDMPa%2BQzgV8CSsX3XwyrCA9yWuwhv7VPDGJqPM%2BDoevlHz47k5lLRdgsGITLyqtSgmLV07z1Y86XDlb4dZMfcWmY5u5FLutDaUy2PMJ92q6vIq41n2jI5tC6SNSed8Qx%2Frdr9Wotko6WcUJWENt0Rs1K4pKZ8ZHCjH22BoWJkWLaTQ8fDKsmgWu0C8NMhnc8i44rKtbZLOvQwKZIlI546tkfyyliSiXPWdZ4XhGxEegateXp4TnM4yWfebpv22hrRHRotmFYX8ANU3B8yiEQL9yrU1y10N8c42JlHR%2FXHZNxaFQqX6eENp2aa2yewya2kPgdiQ3efnk5d0LiuPYxk7ZBa6uOug4fCBPHurDSGZqOlYX9D4h6PAMyUN2kZw2IcUR9QWKM2BmEsGorqokH5Oe34gs0DmnOGrGbhANOh9LKlKDu%2B6Pc4U%2F8L3%2Bmxug0q%2B3JBUGE7Wf6ySj%2B%2BbW8eOteynPrtIEUsD0pcfnSFNzQepsmnoTP5xc7qG%2FEn4MNWO3TviPmcIdg9qyW7bwOWKSyly4BuerWbZWVxIVolnUdqKu2PxDrgnb41QrRtObgKLlbhdehgPlqhIVqZ1cWH9s2uGHoiWlN5FRY8vYYodKzLGjDn%2FdrWBjqlAdXY8WsF5AC2X79ObZ%2FmZD1gjSCNFddCxk1e7RhQVznesCZJDMryJDWqJGSqI7lLEk62aPqOUbquB9Ghba%2BJXI%2FUV%2BHgkJZAPy7wzbnv8vLB8WccujudilaH29xgpqopxweKHuQzlcRMMeq0SZHCo3PizMnbhtLrqB%2BiK9IdfwMp8c15fBnQEe2RAGCsOWYNCrhsPiR6yT5V9698E5KnRPYRfOeFQw%3D%3D&X-Amz-SignedHeaders=host&X-Amz-Signature=ccc17c334dba2900faaea281e2f1ac904074851594b0f3346daf15d3fcdd58f3", "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/50d87df2dfc60c769ee8aa3c3cf2c05dd540d089.png" ], "primary_partner": { "name": "Ankit Gupta", "url": "https://www.ycombinator.com/people/ankit-gupta" }, "founders": [ { "user_id": 3779733, "full_name": "Shaurya Aggarwal", "title": "Founder/CEO", "founder_bio": "Built TPUs in the next-gen TPU team at Google. Before that, worked on greenfield at-rest and in-transit encryption products deployed across 100,000+ hosts. BS in Computer Science from Purdue.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shauryaagg", "x_url": "https://x.com/shauryaagg", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eb06d90980c2cf512f38cb7b7c193a45e72e5785.jpg" }, { "user_id": 3776296, "full_name": "Amol Pant", "title": "Founder/CTO", "founder_bio": "Built perception stack at Orchard Robotics, worked on Tesla's exaflop computer for Autopilot, built prototypes for autonomous rovers for NASA Artemis, worked flight simulators for Boeing.\nReach out if you love playing tennis", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/amolpant/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/77b4c26bdf0e4e663044721a47b1a03ff8359262.jpg" }, { "user_id": 3834278, "full_name": "Aydin Sorensen", "title": "Founder", "founder_bio": "7+ year Tech Lead at Amazon AWS & Twitch. Most recently, founding employee at TerraFirma, (vertically integrated construction robotics); scaled realized revenue from $500k to $30m & built foundation for global teleoperation for 50+ vehicle fleet across multiple continents.", "is_active": true, "linkedin_url": "https://linkedin.com/in/peterasorensen", "x_url": "https://x.com/formerlypeter", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eef2f8e1051ef18328494131e0cc6ed7328ca761.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 109455, "title": "Florin: A full-stack insurance company with 0 underwriters", "tagline": "Autonomously places hard-to-price risks in seconds", "body": "**TL;DR:** Florin is a full-stack insurance company with 0 underwriters. Software takes a submission from a raw intake form to a bindable quote in seconds. Instead of matching a business to a class code, it verifies what the business actually does using satellite imagery, permits, public records and social media, then prices it by simulating tens of thousands of ways its next few years could go.\n\n\n\n**What we do and why**\n\nInsurance prices risk with class codes. An underwriter receives an application PDF, matches the business to a row in a rate table, and quotes off that row. This breaks in two ways. Applications are incomplete or wrong, so the price is built on bad inputs. And when a business does not fit any row, either because it is genuinely new (robotics, AI, autonomy) or because the table says the whole class or state is unprofitable, the answer is a declination. That is why carriers are exiting entire states and why a three-year-old industry can barely buy coverage at any price.\n\nFlorin replaces the table with evidence. It ingests the submission directly, no intake team. It builds its own picture of the business from the outside: aerial imagery of the actual premises, permits and public records, even the insured's social media, where it has caught operations that were never disclosed on the application. From that verified picture it runs simulations of the business's possible futures and produces a quote you can bind in seconds. No human touches the file.\n\n![uploaded image](/media/?type=post&id=109455&key=user_uploads/3776296/18477520-2b5a-4473-a727-92daf673768d)\n\n**Team**\n\n\\- Shaurya Aggarwal built silicon on Google's next-generation TPU team\n\n\\- Amol Pant was on Tesla's supercomputer team, designed rovers for NASA, and was early at a Thiel backed robotics startup\n\n\\- Aydin Sorensen was early at Terrafirma, a construction robotics company that recently raised $115M\n\nShaurya and I have been best friends since middle school, and Aydin and I were roommates in college. We all lived together in Seattle for 2 years.\n\n![uploaded image](/media/?type=post&id=109455&key=user_uploads/3776296/4f7bfc6e-40f1-4d8d-9111-97c034db9729)\n\n**Our asks**\n\n1\\. If your business has a risk that regular carriers and brokers keep declining or pricing absurdly, we want to hear from you. Email [shaurya@florin.inc](mailto:shaurya@florin.inc) or grab time at \n\n2\\. If you are a world-class quant, engineer, or underwriter and would rather build the pricing model than read files, we are hiring. Same email.", "url": "https://www.ycombinator.com/launches/STP-florin-a-full-stack-insurance-company-with-0-underwriters", "votes": 194, "created_at": "2026-08-06T14:23:00.075Z" } ] }, { "id": 33311, "name": "SpaceFlow Technologies, Inc.", "slug": "spaceflow-technologies-inc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/161339dc99cea591f4bd07fbb627aaa0b7771a88.png", "website": "https://spaceflow.tech", "all_locations": "San Francisco, CA, USA", "long_description": "SpaceFlow is an AI-native procurement services company for businesses that make, move and serve physical goods. We help procurement teams bring more spend under management, execute source-to-contract work and turn identified savings into realized savings without adding headcount or replacing existing systems.", "one_liner": "AI-native procurement services for the physical economy", "team_size": 4, "industry": "B2B", "subindustry": "B2B -> Supply Chain and Logistics", "launched_at": 1785644557, "tags": [ "Fintech", "Logistics", "Manufacturing", "Supply Chain" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "B2B", "Supply Chain and Logistics" ], "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/spaceflow-technologies-inc", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/spaceflow-technologies-inc.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/spaceflow-yc-s26/", "x_url": "https://x.com/usespaceflow", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/spaceflow-de69", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/161339dc99cea591f4bd07fbb627aaa0b7771a88.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/3c6238c718981e5757df84d1247509ab56f2c870.png" ], "primary_partner": { "name": "Harshita Arora", "url": "https://www.ycombinator.com/people/harshita-arora" }, "founders": [ { "user_id": 1732874, "full_name": "Emre Isik", "title": "Founder/CEO", "founder_bio": "Founder and CEO of SpaceFlow Technologies. Previously researched computational linguistics at Cambridge under Prof. Anna Korhonen and developed system identification algorithms for motor control at UCLA's Institute of Pure and Applied Mathematics. BA in Computer Engineering from University of Cambridge. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/emre-isik-6a88aa193/", "x_url": "https://x.com/Emrre_isik", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/28d05ebaf53739897d5635366d7199420e898744.jpg" }, { "user_id": 3610149, "full_name": "Hakan Enes Aksu", "title": "Founder", "founder_bio": "Co-founder and CTO of SpaceFlow Technologies. Previously build crypto-ad automation software in high school, AI models for sports analysis and built a campus social platform. Dropout", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hakan-enes-aksu/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a232238a981347ef4a7cd6905b71a4afe540049a.jpg" }, { "user_id": 2475947, "full_name": "Ali Eren Aytekin", "title": "Founder", "founder_bio": "Co-Founder of SpaceFlow Technologies. Previously developed deep learning models for genetic perturbation analysis, earning runner-up at the Microsoft Imagine Cup. Holds a patent for a compressed-air energy storage system. Engineering at Istanbul Technical University, dropout.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ali-eren-aytekin-6305a41aa/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/09e1fd106720cfbfd5b526bcaa939f3b64eaef64.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 109415, "title": "SpaceFlow: AI-native procurement services for the physical economy", "tagline": "An extension of your team handling sourcing, planning and contracting. ", "body": "**TL;DR:** SpaceFlow is an AI-native procurement services company for businesses that make, move and serve physical goods. We help procurement teams bring more spend under management, execute source-to-contract work and turn identified savings into realized savings without adding headcount or replacing existing systems.\n\n\n\n### The problem\n\nProcurement must absorb changing demand, supplier issues, and growing volume without increasing cost or risking continuity. Every existing option fails on the same axis:\n\n* **Internal teams:** expertise and judgment, fixed capacity. It takes years to build and when someone leaves, the tacit knowledge that keeps operations running is lost.\n* **SaaS:** automation and visibility without execution. The customer still staffs the operation, supervises it, handles exceptions, and owns the result.\n* **Outsourcing:** capacity, expertise, and accountability, permanently labor-linked. More volume, suppliers, and locations require more service-delivery headcount.\n\nThe unmet need is operating capacity that **takes responsibility for completing the work** while becoming faster, more consistent, and more profitable as volume grows.\n\n## The insight\n\n* **Software can recommend actions; it cannot assume commercial authority.** The customer keeps execution, exceptions, and supplier outcomes. Whoever owns the exceptions owns the expertise, and expertise is the entire product in procurement.\n* **Incumbents cannot follow.** Consulting and outsourcing firms store process knowledge in employees and grow revenue through staff hours. Automation directly cannibalizes that model.\n* **The economics are breakable.** Traditional services sit below software economics: Accenture at Rule-of-22.6, Genpact at 24.1. An AI-native operator can reach **Rule-of-60**.\n\n## What we built\n\n**The proprietary platform SpaceFlow uses to operate procurement for customers.**\n\n* A **process-mapping engine** converts interviews, SOPs, approval rules, and existing system configurations into executable workflows. A supply-chain consultancy estimates it cuts customer launch from **26 months to 4**, a 6.5x jump in deployment capacity.\n* It **executes procurement end to end**, from demand and production planning through sourcing, contracting, purchase orders, exception resolution, and reconciliation, across the customer's own systems.\n* Operating across companies in the same vertical turns cross-company experience into **proprietary process and supplier intelligence**, while pooled demand creates **group-purchasing power**: better execution, prices, resilience, and terms for every customer.\n* The same platform **monitors service levels, resolves exceptions, and remains accountable** for completing the operation. Per-action autonomy limits, approval queues, and an immutable audit log make every task provable.\n\n## Proof so far\n\n* **Live:** $400M a year of supplier spend under management, zero systems migrated. Multiple six figure contracts signed.\n* **Demand for delegation:** our first customer cancelled 3 planned procurement hires, the CSCO invested his own money, and two chains are signing to progressively outsource purchasing, one planning a procurement team 90% smaller by 2027.\n* **Results:** 3x faster RFQ cycles, off-contract spend down 42% at one customer, $120K a year saved at another.\n\n## Where this goes\n\nSpaceFlow will replace legacy service providers across the physical economy. Traditional service firms grow by hiring; SpaceFlow grows output faster than headcount, targeting **$1B in revenue with headcount capped at 100**. \n\n## What's in it for you?\n\n1. **You run a physical-goods company with $100M+ supplier spend:** send us 12 months of PO history and we'll map one lane and size the savings, free. [spaceflow.tech](http://spaceflow.tech) · [emre@spaceflow.tech](mailto:emre@spaceflow.tech)\n2. **You know an operator like that:** intros are gold. \n\n### **About the team:**\n\n**Emre Isik (CEO)**  studied computer engineering at the University of Cambridge and dropped the master's to build SpaceFlow full time. Before that he researched embedded AI for motor control at UCLA's Institute for Pure and Applied Mathematics, published a machine-learning paper on reasoning with small data, and trained with Turkey's international informatics olympiad reserve team at 15. \n\n**Ali Eren Aytekin (co-founder)** left engineering at Istanbul Technical University to build SpaceFlow.  He was Microsoft Imagine Cup EMEA runner-up for a genetic-signal classifier that hit 98.3% accuracy, and co-authored the published paper on low-data reasoning. [LinkedIn](https://www.linkedin.com/in/ali-eren-aytekin-6305a41aa/) . He talked his way into an invite-only AI showcase in Istanbul, came out with a procurement problem from the CEO of a UK medical manufacturer, and shipped the solution with the team in two weeks. That deal became the learning SpaceFlow grew from.\n\n**Hakan Enes Aksu (co-founder)** left information engineering at Boğaziçi University to build SpaceFlow. He has been shipping commercial software since 16, when his Reddit ad-automation service earned $40K in revenue, and he later built a tender-matching engine that reads public tenders against a company's product catalog and sold it to a corporate customer for five figures. He scored in the top 500 out of roughly 3 million students in Turkey's national university entrance exam. [LinkedIn](https://www.linkedin.com/in/hakan-enes-aksu/)", "url": "https://www.ycombinator.com/launches/SSl-spaceflow-ai-native-procurement-services-for-the-physical-economy", "votes": 37, "created_at": "2026-08-06T15:30:00.856Z" } ] }, { "id": 33672, "name": "Grep AI", "slug": "grep-ai", "former_names": [ "GREP", "GREP.ai" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2d86a599f458e2be0f1c7c75f915dda507376482.png", "website": "https://grep.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Grep AI is the fastest way to create, optimize, and deploy agents for tedious, complex operational work that slows down your business. Our self-improving agents learn from every run, making them smarter and cheaper as you scale. IG.com a global retail brokerage used our agents to review compliance alerts and now 80% of their customers onboad without manual intervention, doubling first trades and propelling them to a FTSE 100 company. \r\n\r\nCustomers including Airwallex, Worldpay, Citizens Bank, FV Bank and Shopmonkey have used our agents to automate over 250,000 of operational work across compliance, onboarding, underwriting, corporate due diligence, document verification, merchant categorization, market and competitive research, rev ops and much more.\r\n\r\nWe founded Grep AI after experiencing firsthand how manual workflows can prevent a business from growing when we ran the platform team at Brex. We're now on a mission to rid businesses of tedious, repetitive so their employees can focus on the most high leverage tasks that matter.", "one_liner": "Self-improving agents that automate your growth bottlenecks", "team_size": 6, "industry": "B2B", "subindustry": "B2B -> Productivity", "launched_at": 1790019866, "tags": [ "Fintech", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "B2B", "Productivity" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "We met at Brex in 2020, where we worked on the platform team and saw how manual operational work could become a bottleneck to growth. Even straightforward onboarding tasks required people to research information, handle exceptions, and make decisions.\r\n\r\nWe started Parcha in 2023 to build AI agents for compliance workflows. That gave us firsthand experience with repetitive, high-stakes work where accuracy and control matter. We built Grep AI to make those capabilities available to teams automating repetitive knowledge work across their business." }, { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "We started in 2023 as Parcha, building AI agents for compliance teams. Working on those workflows taught us how to handle complex research, exceptions, and judgment while keeping people in control.\r\n\r\nWe also saw the same need beyond compliance. In 2026, we expanded into Grep AI, a managed agent platform for repetitive, high-stakes knowledge work across operations, research, and other business functions. We are now building self-improving agents that learn from repeated work, with the goal of improving accuracy and reducing cost as they scale." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Businesses are full of repetitive work that still requires research, judgment, and context. Reviewing documents, investigating a business, or researching a prospect can look similar from one case to the next, but exceptions make rigid automation difficult.\r\n\r\nThe people who understand these jobs often have to do them manually or wait for engineering help. Grep AI lets them describe the work and create managed agents to repeat it, with tools, shared context, and controls. Our focus is work that needs to be accurate and economical when it runs thousands of times.\r\n\r\nAt IG Group, our agents review screening alerts during customer onboarding, clearing false positives and escalating cases that need manual review. The IG case study reports that activation time for flagged customers fell from 2–3 days to under 10 minutes." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "We want to rid businesses of tedious, repetitive work so their employees can focus on the highest-leverage tasks. The people who know a workflow best should be able to turn it into a managed agent without having to build and maintain the infrastructure themselves.\r\n\r\nAs those agents repeat the work, they should become more useful and less expensive to run. Success means teams can grow without manual operational work becoming the bottleneck." } ], "url": "https://www.ycombinator.com/companies/grep-ai", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/grep-ai.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/grep-ai", "x_url": "https://x.com/grepdotai", "fb_url": null, "cb_url": null, "github_url": "https://github.com/parcha-ai", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2d86a599f458e2be0f1c7c75f915dda507376482.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": 21987, "full_name": "AJ Asver", "title": "Founder/CEO", "founder_bio": "Building AI agents for high-stakes work you can't afford to get wrong at Grep AI. I previously led AI/ML-related products at Coinbase and Brex. My first startup, Scoopler (YC S08), was acquired by Google, where I worked on integrating AI into Google Photos and Android phones/tablets.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ajasver", "x_url": "https://x.com/_aj", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/38a64413832ff8af8962fa805c240f6e699bb884.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 117558, "title": "Grep AI: Self-improving agents that get smarter and cheaper at the same task", "tagline": "Create an agent in minutes. It gets smarter and cheaper with every run.", "body": "Hey everyone!\n\nWe’re AJ and Miguel from Grep AI. We’re building self-improving agents for tedious, repetitive work that’s slowing down your business. [IG.com](http://IG.com), a UK-based online brokerage, used our agents to automate 80% of onboarding, unlocking a record year of growth that led to their graduation to the FTSE 100.\n\nLaunch video: \n\n**The problem: repetitive work that requires judgment and expertise is still too hard to automate and scale.**\n\nAt Brex, we had 2,000 businesses waiting to onboard because we needed to manually review each one to verify they had a physical address. Fast-growing companies are full of tedious, repetitive tasks like this that become a bottleneck to growth, but require research, judgment, and some expertise.\n\nBut getting an agent to accurately and efficiently complete a task that requires automation, investigation, and some judgment thousands of times is still a challenge.\n\nHard-coded LLM workflows like LangGraph and n8n are cheaper to scale, but can’t adapt to edge cases. E.g., the business has a physical address on Google Maps, but it’s actually a mailbox in a co-working facility.\n\nGeneral-purpose agents like Codex, Cowork, and Copilot are much better at handling exceptions, but when performing repetitive tasks, they waste expensive tokens reasoning through the workflow as if they were a new employee. Enterprises often offshore these types of tasks at $6-$12/hr, so if the agent costs $4/tasks they are not going to use it.\n\n**Grep AI: Self-improving agents that get smarter and cost less with every run.**\n\nGrep AI is a managed agent platform that lets you create, optimize, and deploy self-improving agents to automate repetitive work in minutes without writing any code. Our agents learn from every run, getting smarter and costing less as you scale them.\n\nHow Grep AI works:\n\n* **Create an agent in minutes** with just a prompt and any useful docs. Grep uses deep research, a library of more than 300 built-in skills, and over 100 data integrations to make each agent an expert out of the box.\n\n ![uploaded image](/media/?type=post&id=117558&key=user_uploads/21987/30597b7c-03c9-4bc6-aa9d-542b42f8b550)\n\n* **Frontier or open-source models:** Unlike OpenAI’s Agent API or Claude Managed Agents, you aren’t locked into one model provider.\n* **Self-improving harness:** Our harness learns as it repeats a task, moving repeatable steps from frontier LLM calls into workflows and code, so it gets smarter and cheaper with every run.\n* **Secure sandbox:** Agents run in a secure sandbox with a file system, audit logs, access controls, and cost caps included.\n* **Run from anywhere:** Use agents manually in our app, or via schedules and monitors, batches, API, MCP, and TypeScript and Python SDKs.\n* **Stay in control:** Manage your agent workforce with a central dashboard to monitor cost, accuracy, and auditability.\n\n ![uploaded image](/media/?type=post&id=117558&key=user_uploads/21987/e63bf34e-dfd1-42cf-94cc-68ee90612083)\n\n\n**How companies use Grep AI**\n\nCompanies like Airwallex, Citizens Bank, Worldpay, Global Payments, and Shopmonkey use Grep for business due diligence, underwriting, document verification, HR operations, GTM ops, competitive intelligence, and social and market research. \n\nIn six months we’ve saved these companies over 150,000 hours of work\n\n**Why us?**\n\n**AJ** led AI/ML products at Coinbase and Brex. His first startup was acquired by Google, where he worked on Google Photos and Android.\n\n**Miguel** led Platform Engineering at Brex across ML, data, financial infrastructure, and compliance operations tooling. Before that, he led data science at Twitter.\n\nWe met at Brex in 2020, where we scaled the customer base 10x in a year with automation across risk, compliance, customer support, and operations, before AI agents existed. That experience inspired us to start working on AI agents for compliance teams in 2023. Then we took everything we learned from building agents and turned it into a managed agent platform to scale any repetitive work.\n\n**Do you have any repetitive operations/back-office work that’s slowing down your company?**\n\n* Go to or point your coding agent there to get started.\n* Book an onboarding call with us here: \n* Or reach out to [founders@grep.ai](mailto:founders@grep.ai), and we’ll help you tune an agent for your workflow.", "url": "https://www.ycombinator.com/launches/Ua6-grep-ai-self-improving-agents-that-get-smarter-and-cheaper-at-the-same-task", "votes": 12, "created_at": "2026-10-05T14:00:00.178Z" } ] }, { "id": 35094, "name": "Forward", "slug": "useforward", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/717ea600e14829731cf877a194aca957195d9b27.png", "website": "https://www.useforward.co/", "all_locations": "San Francisco, CA, USA", "long_description": "An AI platform that connects commercial debt advisors with mandate matching private credit funds. ", "one_liner": "Unifying Global Private Credit", "team_size": 4, "industry": "B2B", "subindustry": "B2B", "launched_at": 1785975971, "tags": [ "Fintech", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "B2B" ], "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/useforward", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/useforward.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/useforward.co/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/717ea600e14829731cf877a194aca957195d9b27.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 3655224, "full_name": "Daniel Yoon", "title": "Founder/CEO", "founder_bio": "Founder at Forward (YC F26). Previously, private credit at Kain Lawyers. Ranked first in UNSW law, dropped out.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/danielyoon2004/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f3bb6adfd2bd09eee7089a374a9cd251c65930a1.jpg" }, { "user_id": 4021734, "full_name": "Riley Janjis", "title": "Founder", "founder_bio": "Founder at Forward. Previously Analyst at Rixon Capital and Longreach Alternatives, where he conducted due diligence on $1b+ in credit opportunities. Co-founded Janjis Yoon, a tutoring platform that scaled to 6-figure annual revenue and 100+ clients. Commerce/Law at UNSW. Rugby at Warringah Rats.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/riley-janjis-6aa9b5264", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1a925688c2c69af02945d7a87e84330d0217206a.jpg" }, { "user_id": 4021700, "full_name": "Darryl Luo", "title": "Founder/CTO", "founder_bio": "Founder at Forward (YC F26). Previously CTO @ Lima AI (bootstrapped EdTech startup), studied at University of Sydney and University of Southern California, dropped out.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/darryl-luo-b0496a266/", "x_url": "https://x.com/DarrylLuo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/01f43426272b3682dbdfc11e8c2242d4b4336146.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 35396, "name": "Oasive", "slug": "oasive", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bc57ec29fb0414ace78c3d3c1e5d7acfef9c0c5c.png", "website": "https://www.oasive.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Oasive helps bond investors figure out which bonds are rich or cheap, and why. We give portfolio managers, traders, analysts and investment advisers a team of AI analysts, combining fixed income research, proprietary quantitative models and scenario analysis to move from trade idea to decision in minutes. Our focus is Macro and Rates Research and MBS, with munis, ABS and corporates next.", "one_liner": "Helping bond investors find what's rich or cheap, and why", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1789659235, "tags": [ "FinOps", "Fintech", "Investments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/oasive", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/oasive.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/oasive", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bc57ec29fb0414ace78c3d3c1e5d7acfef9c0c5c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Kulveer Taggar", "url": null }, "founders": [ { "user_id": 2395902, "full_name": "Anaïs Howland", "title": "Founder/CEO", "founder_bio": "Founder of Oasive, helping bond investors figure out which bonds are rich or cheap, and why. I worked on Wells Fargo's $350B MBS portfolio, then as a portfolio manager on Google Treasury's $17B MBS/ABS portfolio before leading product strategy across Google's consumer AI products. I'm building the fixed income platform I wished I'd had on the desk.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/anaishowland/", "x_url": "https://x.com/AnaisHowland18", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/729c1dab7d8a8a9375913ba8278cc998e0e56fda.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 116240, "title": "Oasive: Find better bonds to buy", "tagline": "See which bonds are rich or cheap and decide what to buy", "body": "**TL;DR: [Oasive](http://www.oasive.ai)** **helps bond investors find better bonds to buy. Compare investments and test trade ideas in minutes with proprietary models and a team of AI analysts.**\n\n\n\nHi, I'm Anaïs, founder of [Oasive](http://www.oasive.ai). I worked on Wells Fargo's $350B mortgage-backed securities (MBS) portfolio, then as a portfolio manager on Google Treasury's $17B MBS/ABS portfolio, before leading product strategy across Google's consumer AI products.\n\nI'm building [Oasive](http://www.oasive.ai) to help more fixed income investors find value and act on it.\n\n**The problem**\n\nFinding an attractive trade is only the start. Is it really cheap, what could change that, and does it improve the portfolio? Answering those questions means going back and forth between research, market data, models and spreadsheets.\n\n**What we built**\n\n[Oasive](http://www.oasive.ai) helps you uncover opportunities you might otherwise miss, compare investments and test the risks before putting on a trade. Macro and Rates Research and our MBS Platform are live today:\n\n* **Macro and Rates Research:** Which Treasury maturities look cheap, and is there a curve trade worth putting on? Use our proprietary valuation models to compare maturities, curve trades and butterflies. Check how many Fed cuts are priced in, dig into market moves and economic releases, and keep exploring with unlimited chats and follow-ups.\n* **MBS Platform:** Which MBS pools look attractive, and why? Use proprietary prepayment models and collateral analysis to spot relative value and test investment ideas. If rates fall 1%, what happens to your portfolio? Change rate and prepayment assumptions to see the impact on spreads, duration and value across your holdings.\n\n_Municipals, ABS, and corporates are next._\n\n[Oasive](http://www.oasive.ai) is already used across 15+ institutional desks at global banks, asset managers with $100B+ in AUM, and Fortune 500 treasury teams.\n\n**Try it**\n\nStart your Macro and Rates Research free trial or request an MBS demo at — free and paid plans available.\n\n**Our ask**\n\nKnow portfolio managers, traders or analysts on fixed-income desks? I’d love an introduction. Email [anais@oasive.ai](mailto:anais@oasive.ai)\n\n![uploaded image](/media/?type=post&id=116240&key=user_uploads/2395902/0db02b4c-6fd1-4d3d-b1cc-6c6df9dce469)\n\n", "url": "https://www.ycombinator.com/launches/UEq-oasive-find-better-bonds-to-buy", "votes": 18, "created_at": "2026-09-23T20:00:00.098Z" } ] }, { "id": 37203, "name": "Volaren Inc.", "slug": "volaren-inc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e143f02ee81e74efcd4497792528526f512482b.png", "website": "https://www.volaren.ai", "all_locations": "New York City, NY, USA", "long_description": "Turning ideas into trades. Every great investment starts as an idea about the world. Institutions have teams of analysts turning those ideas into positions. Volaren is that team, processing data through fundamentals and quantitative models that can be personalized with AI.\r\n\r\nTurn your views into trades, portfolios, and back-testable frameworks and strategies, and Volaren stays with you from there, showing you what's actually driving each position and what it means for your next move.", "one_liner": "Turning Ideas into Trades. Volaren puts the hedge fund in the hands…", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1789771499, "tags": [ "Fintech", "Marketplace", "Finance", "Creator Economy", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/volaren-inc", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/volaren-inc.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/volaren-ai", "x_url": "https://x.com/volaren_ai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e143f02ee81e74efcd4497792528526f512482b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 2699061, "full_name": "Akshat Mittal", "title": "Founder", "founder_bio": "Founder at Volaren Inc. Previously signal researcher on the Equity Alpha team at Goldman Sachs Asset Management. Developed alternative risk metrics and supported trading at Low Tide Capital Management. One of the first team members at David Protein, pre-launch, working on growth primarily. Studying Statistics and Economics at UChicago (top 5% of class). 2nd in international economics competition in high school.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mittal-akshat", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a8cb2dbd4aff6af7c4753f0c38b7fde2f43c4499.jpg" }, { "user_id": 3534379, "full_name": "Martin Pestana", "title": "Founder", "founder_bio": "Founder at Volaren Inc. \n- Previously at Goldman Sachs, Investment Banking Division.\n- Previously at AQR Capital Management in quantitative trading. \n- Applied Math and Economics at University of Chicago.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/martin-pestana/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dd546aeacae8f950fb8624fbfba8e9e7fc2a9c30.jpg" } ], "jobs": [ { "id": 111785, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/volaren-inc/jobs/KfqM968-software-engineer", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "AI engineer", "salary_range": "$50K - $150K", "equity_range": "5.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 116145, "title": "Turning ideas into trades. Volaren: bringing the hedge fund to retail investors", "tagline": "Describe an investment thesis or strategy in plain English and Volaren's AI analysts research, build, and backtest it for you.", "body": "**TURNING IDEAS INTO TRADES**\n\n**TL;DR:** Volaren is putting a hedge fund in your pocket. You describe a thesis, a strategy, or a view of the world in plain English, and Volaren's AI analysts do the research, build it, and backtest it for you. Try it at .\n\nDEMO: \n\n**The problem**\n\nInstitutions turn a view of the world into real positions using teams of analysts and expensive tooling like Bloomberg and Capital IQ. Everyone else does it by hand, or does not do it at all. The data and the methods already exist, but nobody had built the product that puts them in the hands of small teams and active retailers investing their own money.\n\n**What Volaren does**\n\nYou tell Volaren a thesis, a strategy, or a view of the world in plain English, and its agents go do the research for you. They handle all the heavy lifting of the analysis, and they build it and backtest it across both fundamental work (models, comps, thesis building) and quantitative strategies (momentum, style factors, custom rules). You can delegate as much as you want and expand how much you take on, so you grow from a single investor or small team fund into an entire research team. You see every step and can change anything, so the judgment stays yours, and your work stays with you in one place you can keep building on.\n\n**Who we are**\n\nWe are Martin Pestana and Akshat Mittal, and we ran this exact process on the inside at Goldman Sachs and AQR. Volaren exists to give a person with real conviction and a real portfolio the leverage of a full research team.\n\n**Our ask**\n\nIf you invest your own money, run a small fund, or you know someone who does, try Volaren at . We would love your feedback, and you can reach us directly at [martin@volaren.ai](mailto:martin@volaren.ai) and [akshat@volaren.ai](mailto:akshat@volaren.ai).", "url": "https://www.ycombinator.com/launches/UDJ-turning-ideas-into-trades-volaren-bringing-the-hedge-fund-to-retail-investors", "votes": 7, "created_at": "2026-09-28T16:24:00.151Z" } ] }, { "id": 37274, "name": "Decent", "slug": "decent-com", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/786d073f3a76012e5179c5021d6a0d82644d8d1f.png", "website": "https://decent.com", "all_locations": "San Francisco, CA, USA", "long_description": "Decent is a health insurance brokerage for small businesses. We compare every way to cover your team, show what each one costs, and then keep improving your plan all year. We're paid by insurance companies, so we're free to you.", "one_liner": "Your health plan should get better year-round. Not just once a year.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1789976042, "tags": [ "Fintech", "Health Tech", "B2B", "Health Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/decent-com", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/decent-com.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/decenthealth", "x_url": "https://x.com/decent", "fb_url": "https://www.facebook.com/DecentHealth/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/786d073f3a76012e5179c5021d6a0d82644d8d1f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Grey Baker", "url": "https://www.ycombinator.com/people/grey-baker" }, "founders": [ { "user_id": 103060, "full_name": "Nick Soman", "title": "Founder/CEO", "founder_bio": "Founder at Decent. Previously founded Decent, Inc., a venture-backed health plan administrator (acquired by Nice Healthcare). EIR at Foundation Capital. Growth Product Lead at Gusto. PM on Kindle at Amazon. Founded LikeBright/Reveal (acquired by Napster). Stanford BA, Harvard MBA.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicksoman", "x_url": "https://x.com/nicksoman", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/892ff653167fc0e506db11c8156b3343dfcf9cdb.jpg" }, { "user_id": 3997688, "full_name": "Andrew Budker", "title": "Founder/CTO", "founder_bio": "Founder at Decent. Previously Director of Software Engineering at Meta, where he led Metamate (Meta's internal AI assistant and Agent Platform) and built deep learning computer vision systems shipping in Oculus. Before Meta, engineering manager at Amazon for 5 years and engineer at Microsoft. BS Applied Mathematics from UCLA.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abudker/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3c54e3f9459c5e31c2a1e41256f5afacccf1e02d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 118447, "title": "Decent: Your health plan should get better year-round. Not just once a year.", "tagline": "We find the best health plan for your company, and use AI to make it better all year.", "body": "Hi everyone. I'm [Nick Soman](https://www.linkedin.com/in/nicksoman/), cofounder of [Decent](https://www.decent.com/) (F26) with [Andrew Budker](https://www.linkedin.com/in/abudker/).\\\n\\\n\n\n\\\n**The problem**\\\nYou choose your company health plan once a year at renewal, and then nobody touches it for twelve months. All year long you overpay without seeing it. A one-time surgery gets built into next year's rates as if it’s recurring. You get billed for employees who left months ago. Your team uses the ER for things that primary care could have handled for a fraction of the cost.\\\n\\\nI learned this the hard way. A carrier raised my old company's rates 27% in January because an employee had started an expensive treatment the February before. They told me it was my data and my fault for not looking. Almost all of that cost was waste. She could have been treated at home for 30% less. An equally effective treatment that cost 25% less could have been free to her. Optimized dosing could have saved 20% more, with fewer side effects and no negative impact on her health.\\\n\\\n**How Decent is different**\\\nYour health plan should get better all year, not once a year. You don't buy a year of ads or a rack of servers up front anymore, but health insurance is stuck on a single annual renewal. Decent is an AI-native health insurance broker for US companies with 2 to 200 employees. We compare every way to cover your team, show what each one costs, and then keep improving your plan all year, for your company and for your employees. The insurance company you choose pays us, so we’re free to you.\\\n\\\n**Why trust us**\\\nAndrew and I met 16 years ago building the Kindle at Amazon. He spent the last several years leading engineering for Metamate, Meta's internal AI platform. I've started and sold two companies and raised $42M. Before this I built and ran level-funded plans, PEOs, and association health plans, with a Net Promoter Score of 79 vs. the industry average of 14, so I know what good looks like and where the system breaks. \\\n\\\nThe full story of why I came back to this, and why it's called Decent, is here: \\\n\\\n**Traction**\\\nAI is doing 89% of our brokerage work and climbing, and we just caught a one-time surgery driving 46% of a client's claims spend and kept it out of next year's rates. 67 companies are working with us so far, and many more are close behind.\\\n\\\n**What you can do now**\n\n* If you or someone you know runs or helps run a US company with roughly 2 to 200 people renewing by January 1, 2027, book 15 minutes with me to find the best plan for you: \n* Want to look first? [Get a quote](https://www.decent.com/quote) and price the market yourself on our site, no call needed.\n* Know a company that's overpaying? Introduce us and we'll pay you when they get a quote, whether or not they buy: [decent.com/refer](http://decent.com/refer)\n\nOur mission: affordable healthcare for all. It's never too late to save the world.\\\n\\\nNick & Andrew\n\n![uploaded image](/media/?type=post&id=118447&key=user_uploads/103060/6978a63f-c3bf-452d-b3a1-15336d01adc1)\n\n", "url": "https://www.ycombinator.com/launches/UoR-decent-your-health-plan-should-get-better-year-round-not-just-once-a-year", "votes": 4, "created_at": "2026-10-05T16:00:00.081Z" } ] }, { "id": 37995, "name": "Sintropix", "slug": "sintropix", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8e0565abd52682e4249720fb4eb646f17fbbdd65.png", "website": "https://sintropix.com/", "all_locations": "Santiago, Santiago Metropolitan Region, Chile", "long_description": "Autonomous accounting platform for global companies. We close your books and give you financial clarity while you run your business. ", "one_liner": "Autonomous accounting platform for global companies", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1789679183, "tags": [ "Fintech", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "Chile", "Latin America" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/sintropix", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/sintropix.json", "year_founded": 2026, "city": "Santiago", "country": "CL", "linkedin_url": "https://www.linkedin.com/company/sintropix/", "x_url": "https://x.com/Sintropix", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8e0565abd52682e4249720fb4eb646f17fbbdd65.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Kulveer Taggar", "url": null }, "founders": [ { "user_id": 3532201, "full_name": "Alfonso Márquez de la Plata", "title": "Founder/CEO", "founder_bio": "Co-Founder & CEO at Sintropix (YC F26). Previously Director of Product at Toku (YC S21).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alfonsompm", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b44cf936bcc27e5dd7a8ffe91e48539d896afadd.jpg" }, { "user_id": 3665700, "full_name": "Borja Marquez de la Plata", "title": "Founder/CTO", "founder_bio": "Co-Founder/CTO at Sintropix (YC F26).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/borja-marquez-de-la-plata-873a43220", "x_url": "https://x.com/BorjaMpm", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/767076b4677e04e4118458f6c5ea35dd12c6dd45.jpg" } ], "jobs": [], "news": [], "launches": [] } ]