[ { "id": 698, "name": "Cheddar", "slug": "cheddar", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://cheddar.io", "all_locations": "", "long_description": "Ditch your bare-bones, high-fee checking account. 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. Cheddar is a new mobile bank account, debit card, and business model to free the world from underpowered checking accounts and evil banks.", "one_liner": "The Best Mobile Checking Account", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1398907951, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Inactive", "industries": [ "Fintech", "Banking and Exchange" ], "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/cheddar", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/cheddar.json", "year_founded": null, "city": null, "country": null, "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": null, "app_video_url": null, 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"https://bookface-images.s3.amazonaws.com/small_logos/df1f2387282fcfbd2c12fe132115b6a2f5601924.png", "website": "https://nomba.com", "all_locations": "Lagos, LA, Nigeria", "long_description": "We serve over 35k SMEs ( >$1m annual revenues) across Nigeria, DRC, Ghana, Zambia and Cameroon.", "one_liner": "Global Business Banking for Africa's Ambitious Businesses.", "team_size": 350, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1478717435, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Fintech" ], "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/nomba", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/nomba.json", "year_founded": 2017, "city": "Lagos", "country": "NG", "linkedin_url": "https://ng.linkedin.com/company/nombahq", "x_url": "https://twitter.com/nombahq", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/kudi", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/df1f2387282fcfbd2c12fe132115b6a2f5601924.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/cfb39edc18ab1844b4af5ec88090f1a5ca110a92.png" ], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 159346, "full_name": "Yinka Adewale", "title": "Founder/CEO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adeyinka-adewale-7b779448?trk=nav_responsive_tab_profile_pic", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7bdc4d27869922bf195c1e36fb05f5ea818288cc.jpg" }, { "user_id": 68875, "full_name": "Pelumi Aboluwarin", "title": "Founder/CTO", "founder_bio": null, "is_active": true, "linkedin_url": "https://uk.linkedin.com/in/pelumiaboluwarin", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/73f4d8d4a020143ae07c2590d2546edf24eca895.jpg" } ], "jobs": [], "news": [ { "title": "How Nomba grew from an AI chatbot to a company | TechCabal", "url": "https://techcabal.com/2023/05/04/nomba-from-an-ai-chatbot-to-a-150-million-valued-company/", "date": "May 04, 2023" }, { "title": "Shopify backs Nigeria-based FinTech Nomba in $30 million round", "url": "https://betakit.com/shopify-backs-nigeria-based-fintech-nomba-in-30-million-round/", "date": "May 02, 2023" }, { "title": "African payment service provider Nomba raises $30M, backed by Base10 Partners and Shopify | TechCrunch", "url": "https://techcrunch.com/2023/05/02/african-payment-service-provider-nomba-raises-30m-backed-by-base10-partners-and-shopify/", "date": "May 02, 2023" } ], "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": 1834, "name": "Aspire", "slug": "aspire", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/753f62b42ec2f778dd6395d3ae91802c52ab6b5a.png", "website": "https://aspireapp.com", "all_locations": "Singapore, Singapore", "long_description": "Aspire is the all-in-one finance operating system for businesses.\r\n\r\nWe help companies pay, manage, and earn smarter - by doing more than a bank, bookkeeper, or rewards program could ever do alone.\r\n\r\nOur mission is to empower the next generation of entrepreneurs with the financial tools they need to realise their company’s full potential.\r\n\r\nWe believe that if we can empower business owners to be successful, they will go on to make a meaningful impact to the communities we are all part of.", "one_liner": "All-in-one Finance OS for businesses", "team_size": 500, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1510196652, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2018", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/aspire", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2018/aspire.json", "year_founded": 2018, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/aspireapp-global", "x_url": "", "fb_url": "https://www.facebook.com/AspireSingapore/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/753f62b42ec2f778dd6395d3ae91802c52ab6b5a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 207873, "full_name": "Andrea Baronchelli", "title": "Founder/CEO", "founder_bio": "Andrea Baronchelli is the Co-founder and CEO of Aspire, the finance stack for global founders. Under his leadership, Aspire grew into a global company serving 50,000+ businesses worldwide.\n\nBefore launching Aspire, Andrea was in Lazada’s founding team (exit to Alibaba Group), where he led growth, operations and product across multiple markets, including roles as EVP, CMO, CEO. That experience shaped his conviction that modern founders deserve a financial platform as global as their ambitions.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrea-baronchelli%EF%BC%88%E5%AE%89%E5%88%A9%EF%BC%89-0979a541/", "x_url": "https://x.com/andrea_aspire", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ea92f0ae2d59ef2ad45d032987656da9633ec952.jpg" }, { "user_id": 114616, "full_name": "Giovanni Casinelli", "title": "Founder", "founder_bio": "Co-founder, President & CTO @ Aspire, the all-in-one finance software for businesses.", "is_active": true, "linkedin_url": "https://linkedin.com/in/giovannicasinelli", "x_url": "https://twitter.com/CasinelliG", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/60c308c20fc55bd6c086515921a65408bf1f0cb1.jpg" } ], "jobs": [ { "id": 84661, "title": "Senior Growth & Community Marketing Manager US ", "url": "https://www.ycombinator.com/companies/aspire/jobs/KnCUrsK-senior-growth-community-marketing-manager-us", "location": "San Francisco, CA, US / Remote (San Francisco, CA, US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$96K - $150K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Marketing design" ] }, { "id": 89284, "title": "Business Development Manager, US", "url": "https://www.ycombinator.com/companies/aspire/jobs/GmeuYgC-business-development-manager-us", "location": "US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$90K - $110K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Aspire raises $100m series C, says annual volume has tripled", "url": "https://www.techinasia.com/aspire-raises-100m-seriesb-says-annual-volume-tripled", "date": "Feb 13, 2023" }, { "title": "\t\t\tSingapore’s Aspire Raises US $158 Million to Build the “Salesforce” of Finance | Fintech Singapore\t\t", "url": "https://fintechnews.sg/55759/funding/singapores-aspire-raises-us-158-million-to-build-the-salesforce-of-finance/", "date": "Sep 26, 2021" } ], "launches": [] }, { "id": 2022, "name": "Oxygen", "slug": "oxygen", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/5ac044a14a32245f624d5efa2cd41127c9f84b1c.png", "website": "http://getoxygen.com", "all_locations": "San Francisco, CA, USA; Los Angeles, CA, USA; Remote", "long_description": "", "one_liner": "A leading digital bank in the US offering personal and business…", "team_size": 68, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1527052080, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "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": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/oxygen", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/oxygen.json", "year_founded": 2018, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/oxygenbanking/", "x_url": "https://twitter.com/oxygenbankhq", "fb_url": "https://www.facebook.com/oxygenbank/", "cb_url": "https://www.crunchbase.com/organization/oxygen-5cc0", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/5ac044a14a32245f624d5efa2cd41127c9f84b1c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 212312, "full_name": "Hussein Ahmed", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://linkedin.com/in/husseinahmed", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d46b4ce1dac07cb81356253afc9f0bf33e1f3979.jpg" } ], "jobs": [ { "id": 50341, "title": "Senior Software Development Engineer, Backend (Remote) ", "url": "https://www.ycombinator.com/companies/oxygen/jobs/X2QyS53-senior-software-development-engineer-backend-remote", "location": "US / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$160 - $200", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Python" ] }, { "id": 56052, "title": "Principal Backend Software Engineer, Python", "url": "https://www.ycombinator.com/companies/oxygen/jobs/NaUq8Ip-principal-backend-software-engineer-python", "location": "United States / Remote (United States)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$170K - $230K", "equity_range": "0.07% - 0.01%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Python" ] } ], "news": [ { "title": "Oxygen Announces $20 Million Funding and Appointment of New CEO as Platform Doubles Down on Growth", "url": "https://www.investorsobserver.com/news/qm-pr/5431376315758594", "date": "Feb 02, 2023" }, { "title": "Oxygen, a neobank for freelancers and small businesses, in talks to raise funds at over $500 million valuation | TechCrunch", "url": "https://techcrunch.com/2021/11/12/oxygen-a-neobank-for-freelancers-and-small-businesses-in-talks-to-raise-funds-at-over-500-million-valuation/", "date": "Nov 12, 2021" }, { "title": "Oxygen Bank Business Checking Review", "url": "https://www.cnbc.com/select/oxygen-bank-business-checking-review/", "date": "Apr 28, 2021" }, { "title": "Oxygen: Digital Banking Fintech Startup Raises Fresh VC Funding", "url": "https://www.businessinsider.com/oxygen-banking-fintech-startup-raises-fresh-funding-2020-12", "date": "Dec 01, 2020" } ], "launches": [] }, { "id": 12249, "name": "Spring in Africa", "slug": "spring-in-africa", "former_names": [ "Wallets Africa", "Wallets", "Spring", "Spring Africa", "Spring", "The Wallets Company", "Wallets Africa", "Wallets Africa Inc", "The Wallets Company", "Spring", "Wallets Africa", "Spring", "Wallets Africa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/626fd22b786f76632e2cc82d33ca1f9e32d00011.png", "website": "https://springinafrica.com", "all_locations": "San Francisco, CA, USA; LA, Nigeria; Remote", "long_description": "Backing innovation, building financial technology. 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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": 23271, "name": "Ziina", "slug": "ziina", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/01b2f0671dab79d7886540ec7fe445dda414f192.png", "website": "https://www.ziina.com", "all_locations": "Dubai, United Arab Emirates", "long_description": "Ziina is bringing the next generation of financial services to the Middle East.", "one_liner": "A digital wallet for the Middle East & North Africa", "team_size": 57, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1615710655, "tags": [ "Fintech", "Payments", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Arab Emirates", "Middle East and North Africa", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ziina", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/ziina.json", "year_founded": 2020, "city": null, "country": "AE", "linkedin_url": "https://www.linkedin.com/company/ziina/", "x_url": "https://twitter.com/ziinamena?lang=en", "fb_url": "https://www.facebook.com/pages/category/Internet-Company/Ziina-106780037720526/", "cb_url": "https://www.crunchbase.com/organization/ziina", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/01b2f0671dab79d7886540ec7fe445dda414f192.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 490218, "full_name": "Sarah Toukan", "title": "Founder", "founder_bio": "Sarah Toukan is the Chief Product Officer and Co-Founder of Ziina. She has product and startup experience across several diverse and exciting spaces, including the fintech space in the UAE, the proptech space in London, and the autonomous vehicle space in Silicon Valley. \n \nSarah graduated from Stanford with a Bachelor’s and Master's Degree in Mechanical Engineering, with a Product Development concentration. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sarah-toukan-7821751a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/92c53ea49a8ee292d9932da9cee04f7430f7eb5a.jpg" }, { "user_id": 491414, "full_name": "Andrew Gold", "title": "Founder", "founder_bio": "Andrew began his career as an engineer on the iOS Safari team at Apple. He left Apple to join an early stage startup, Distributed Systems, which was later acquired by Coinbase. At Coinbase, Andrew helped build the Coinbase Wallet app, a product which enables users all over the world to store their own crypto and access the decentralized web. Inspired by the mission of expanding economic freedom, Andrew relocated from San Francisco to Dubai to found Ziina. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrew-gold-b0509662/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6e57b7b0a5176102374b5ce959fed15cd372832.jpg" }, { "user_id": 425633, "full_name": "Faisal Toukan", "title": "Founder", "founder_bio": "Faisal Toukan is the CEO and Co-Founder of Ziina. He has experience across consumer fintech, enterprise sales, blockchain, start-ups, and venture capital with a passion for bringing new technologies to market. \n", "is_active": true, "linkedin_url": null, "x_url": "https://twitter.com/FaisalToukan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cef55d5b17dc95ac33f7ea306c21f54f0089cd86.jpg" } ], "jobs": [ { "id": 50458, "title": "Senior Backend Engineer", "url": "https://www.ycombinator.com/companies/ziina/jobs/WRU4wzI-senior-backend-engineer", "location": "Dubai", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$100K - $150K", "equity_range": "0.01% - 0.18%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "GraphQL", "Node.js", "PostgreSQL", "TypeScript", "Kafka" ] }, { "id": 75339, "title": "Android Engineer ", "url": "https://www.ycombinator.com/companies/ziina/jobs/sqWPC5O-android-engineer", "location": "AE", "type": "Full-time", "role": "Engineering", "role_type": "Android", "salary_range": "$100K - $150K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Java", "Kotlin" ] } ], "news": [ { "title": "Ziina banks $22M as growth explodes for the UAE-based fintech for small businesses | TechCrunch", "url": "https://techcrunch.com/2024/09/02/ziina-banks-22m-as-growth-explodes-for-the-uae-based-fintech-for-small-businesses/", "date": "Sep 02, 2024" }, { "title": "This Y Combinator-backed fintech startup aims to be the Amazon Pay of the Middle East ", "url": "https://yourstory.com/ys-gulf/y-combinator-fintech-dubai-startup-ziina-middle-east-digital-wallet", "date": "Oct 27, 2022" }, { "title": "Making It Big: Four Tactics That Enabled UAE-Born Startup Ziina To Make It To Y Combinator", "url": "https://www.entrepreneur.com/article/434057", "date": "Aug 24, 2022" }, { "title": "Ziina heralds new age of online payments with digital wallet for UAE - News | Khaleej Times", "url": "https://www.khaleejtimes.com/business/ziina-heralds-new-age-of-online-payments-with-digital-wallet-for-uae", "date": "Feb 09, 2022" }, { "title": "YC-backed Ziina raises $7.5M seed led by Avenir Growth Capital and Class 5 Global – TechCrunch", "url": "https://techcrunch.com/2021/06/07/yc-backed-ziina-raises-7-4m-seed-from-avenir-growth-capital-and-class-5-global/", "date": "Jun 07, 2021" } ], "launches": [ { "id": 65267, "title": "ZiiBoard: POS in your DMs 💰 💬", "tagline": "The ZiiBoard is a payments keyboard that allows businesses to get paid via WhatsApp, Instagram, or any messaging app in just a few taps.", "body": "Hi! We’re Ziina, and we are bringing financial freedom to the Middle East.\n\n**The problem:** \\\nFor small businesses, collecting cash is a massive challenge —from issuing invoices, tracking payments, awkwardly following up with clients, and switching between multiple apps just to get paid.\n\n**The solution:** \\\nWe've just made the process a whole lot easier. We're delighted to announce the ZiiBoard. Businesses can now request payments on WhatsApp, Instagram, or any messaging app in just a few taps.\\\n\\\n[**Introducing the ZiiBoard**](https://www.youtube.com/watch?v=EM7On0rBv6s)", "url": "https://www.ycombinator.com/launches/Gyh-ziiboard-pos-in-your-dms", "votes": 9, "created_at": "2022-08-10T14:12:23.700Z" } ] }, { "id": 23986, "name": "Fingo Africa", "slug": "fingo-africa", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/548d01bca4a6a4a1f060960268f7f60e651cc29a.png", "website": "https://fingo.africa", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "Fingo is building a pan-African digital bank.\r\n\r\nToday, most Africans pay 5-15% fees to transfer money to friends, family, or businesses - with Fingo these fees will be 90% cheaper. \r\n\r\nIn 240 seconds, any young person will be able to access a full suite of financial services including personal, business, investment and savings accounts. \r\n", "one_liner": "A neobank for Africa's 500 million youth", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1630160190, "tags": [ "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Acquired", "industries": [ "Fintech" ], "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/fingo-africa", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/fingo-africa.json", "year_founded": 2020, "city": "Nairobi", "country": "KE", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/548d01bca4a6a4a1f060960268f7f60e651cc29a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 580102, "full_name": "Kiiru Muhoya", "title": "Founder", "founder_bio": "Kiiru is the co-founder and CEO of Fingo Africa. Fingo is the first youth focused Pan-African Neo-Bank. Previously he was part of the team at Acorn Holdings, the largest private developer of real estate in East Africa, being the first Kenyan company to successfully list a bond on the London Stock Exchange. Kiiru is a Philosophy, Politics and Economics graduate from the University of Warwick.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kiiru-muhoya-251360131", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a1af2e75ff8aaea018bc093497eed707af5292b0.jpg" }, { "user_id": 584803, "full_name": "Ian Njuguna", "title": "Founder", "founder_bio": "Experienced technology founder. Engineered for over a decade, Built outdoor advertising automation allowing advertisers to upload their ads to digital billboards and pay digitally from their devices, and multiple other systems. (Think Instagram ads but on outdoor advertising)\n\nNow Joining 3 others to build the largest Neobank for Africa at Fingo. 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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": 24157, "name": "Nexus", "slug": "nexus", "former_names": [ "Financial Choice" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e76d271d52208f7b3976f708e61bc7a0fee49d49.png", "website": "https://nexushq.com", "all_locations": "San Francisco, CA, USA; Mountain View, CA, USA; Remote", "long_description": "Nexus offers a unified checking and investment account. Your full balance is invested to get market returns, all while retaining instant access to cash even when the markets are closed. We are two ex-Googlers with CS PhDs from Stanford and the University of Washington who have worked together for 7 years.", "one_liner": "Nexus offers a unified checking and investment account.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1626285537, "tags": [ "Fintech", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/nexus", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/nexus.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/nexus-site/", "x_url": "https://twitter.com/nexus_site", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e76d271d52208f7b3976f708e61bc7a0fee49d49.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 740728, "full_name": "Stefan Heule", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/stefan-heule-b46ab991/", "x_url": "https://twitter.com/stefan_heule", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5ae973df889f82d2e0127032a084964123ea1191.jpg" }, { "user_id": 117288, "full_name": "Chen-Chen Huo", "title": "Founder", "founder_bio": "Currently connecting founders with the #1 customer service AI agent. 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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": 25685, "name": "Boya", "slug": "boya", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cd660e44ef0d74bea007a7a875e98a17aab35613.png", "website": "https://boyahq.com/", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "Boya Makes it easy for businesses in Africa to issue corporate expense cards instantly and great software to control and track spending. For example, if you run a pharmaceutical company, you can use Boya to instantly issue Visa cards to sales and marketing teams and get real-time visibility and control over their spending.\r\n\r\n50M+ businesses in Africa have no easy way to streamline and track their employee spending in real-time. So we are building a corporate card and a spend management platform that enables businesses to streamline spend workflows and provide real-time reporting. We are building the first corporate card that supports mobile money, banks and card schemes payment workflows\r\n", "one_liner": "Corporate Expense cards and Spend management for businesses in Africa", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644923560, "tags": [ "FinOps", "Fintech", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "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/boya", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/boya.json", "year_founded": 2021, "city": "Nairobi", "country": "KE", "linkedin_url": "https://www.linkedin.com/company/boya-inc", "x_url": "https://twitter.com/Boya_Inc", "fb_url": "https://www.facebook.com/boyainc", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cd660e44ef0d74bea007a7a875e98a17aab35613.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 759426, "full_name": "Alphas Sinja", "title": "Founder", "founder_bio": "Alphas Sinja is the co-founder and CEO of Boya. 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": 25713, "name": "Grey", "slug": "grey", "former_names": [ "Aboki Africa", "Grey", "Grey (formerly Aboki Africa)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b891c4bf87168fc420c4d1e54bdef2c47bc728f7.png", "website": "https://grey.co", "all_locations": "San Francisco, CA, USA; LA, Nigeria; Remote", "long_description": "Grey provides US, EU, and UK accounts for remote workers in emerging markets. For the first time, western companies feel comfortable recruiting skilled workers from anywhere and Grey is making it easy for these workers to receive their salary, save in foreign currency, convert to local currency and spend.\r\n\r\n\r\n", "one_liner": "Banking services for remote workers and digital nomads", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644319662, "tags": [ "Fintech", "Consumer", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "Nigeria", "America / Canada", "Africa", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/grey", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/grey.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/greyfinance", "x_url": "https://twitter.com/greyfinance", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b891c4bf87168fc420c4d1e54bdef2c47bc728f7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 556140, "full_name": "Idorenyin Obong", "title": "Founder", "founder_bio": "CEO at Grey. Ex Paystack", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kingidee/", "x_url": "https://www.twitter.com/kingidee", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dddac2c54af505551ba3d8e813c9d14fa719ccbb.jpg" } ], "jobs": [], "news": [ { "title": "Nigeria’s Grey is helping users exchange local currency and access foreign currencies - Disrupt Africa", "url": "https://disrupt-africa.com/2023/06/02/nigerias-grey-is-helping-users-exchange-local-currency-and-access-foreign-currencies/", "date": "Jun 01, 2023" }, { "title": "Nigerian fintech startup Grey picks Kenya as its East African hub - Disrupt Africa", "url": "https://disrupt-africa.com/2023/05/18/nigerian-fintech-startup-grey-picks-kenya-as-its-east-african-hub/", "date": "May 17, 2023" }, { "title": "Grey, a FinTech company based in Africa, has successfully completed a $2 million seed round. - Tech In Africa", "url": "https://www.techinafrica.com/grey-a-fintech-company-based-in-africa-has-successfully-completed-a-2-million-seed-round/", "date": "Sep 01, 2022" }, { "title": "Nigeria’s Grey raises $2M for cross-border payments play and regional expansion – TechCrunch", "url": "https://techcrunch.com/2022/08/29/nigerias-grey-raises-2m-for-cross-border-payments-play-and-regional-expansion/", "date": "Aug 29, 2022" }, { "title": "Nigerian fintech Grey gets backing from Y Combinator – TechCrunch", "url": "https://techcrunch.com/2022/02/08/nigerian-fintech-grey-finance-gets-backing-from-y-combinator/", "date": "Feb 08, 2022" } ], "launches": [ { "id": 82277, "title": "Grey - US banking services for remote workers, freelancers, nomads, and creators in emerging markets", "tagline": "Now available in LatAm and SEA 🚀", "body": "![uploaded image](/media/?type=post&id=82277&key=user_uploads/556140/a5ad7448-63b6-42a8-934d-3a149c352ec1)\n\nWhen we started Grey in 2020, we just wanted to make it easy for people like us to receive payments for work without any stress. Over the last four years, we’ve enabled global banking access to digital nomads across the US, UK, Europe, Kenya, Tanzania, Uganda, and Nigeria.\n\nToday, I’m excited to announce that Grey is now available to remote workers, digital nomads, and creatives in **Brazil** 🇧🇷, **Ghana** 🇬🇭, **Indonesia** 🇮🇩, **Mexico** 🇲🇽, the **Philippines** 🇵🇭, and **South Africa** 🇿🇦! Get started at [grey.co](http://grey.co).\n\nIn the next few weeks, we’ll roll out to more Latin America (LATAM) and Southeast Asia (SEA) countries. If you’re a digital nomad, freelancer, or remote worker in these countries, you can enjoy the following:\n\n* Get a free USD, EUR, or GBP account to receive your salary and payments.\n* Convert to other currencies (MXN, BRL, PHP, IDR, ZAR, NGN, KES, TZS, GHS, etc) and send to your local bank account or mobile money wallet.\n* Get a virtual card to spend.\n* Send Stablecoins (USDC) to your external wallet addresses.\n\nWe’re on a mission to make globalisation work for everyone by providing inclusive banking solutions regardless of location, and this expansion takes us six steps closer today.\n\nIf you know any communities we should speak to or any person in these markets we should connect to, please let us know at [founders@grey.co](mailto:founders@grey.co).\n\nCheers", "url": "https://www.ycombinator.com/launches/LP3-grey-us-banking-services-for-remote-workers-freelancers-nomads-and-creators-in-emerging-markets", "votes": 14, "created_at": "2024-07-19T15:51:00.641Z" } ] }, { "id": 25717, "name": "Glep", "slug": "glep", "former_names": [ "Lenco" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/43385de74ef544ad440b821a7f4f5e3436bdc1a2.png", "website": "https://glep.com", "all_locations": "San Francisco, CA, USA", "long_description": "Glep is America's AI-native financial operating system built for real estate businesses.\r\nOur AI-native platform combines virtual and physical cards, banking, bill pay, expense management, and accounting automation into a single operating system designed specifically for how real estate businesses operate.\r\n\r\nGlep puts more time in the hands of operators to grow their portfolio.", "one_liner": "AI-Native Spend platform built for Real Estate businesses", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1646228155, "tags": [ "Fintech", "Enterprise Software", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/glep", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/glep.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/GlepHQ", "x_url": "https://twitter.com/GlepHQ", "fb_url": "https://facebook.com/GlepFi", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/43385de74ef544ad440b821a7f4f5e3436bdc1a2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 603467, "full_name": "Andrew Airelobhegbe", "title": "Founder", "founder_bio": "CEO & Co-founder of Glep - America's AI-native spend platform for real estate businesses.\nCEO & Co-founder of Lenco - pan-African digital bank for businesses", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrew-airelobhegbe/", "x_url": "https://twitter.com/andrewairelob", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/374493bfe81624cd9421cd1cfa73d6f97360dc5c.jpg" }, { "user_id": 604663, "full_name": "Impact Airelobhegbe", "title": "Founder", "founder_bio": "Co-founder and COO at Lenco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/impact-airelobhegbe-49187955", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5b974e317a7f8e87b18a21553a1dd2b7b3d4e735.jpg" }, { "user_id": 604306, "full_name": "Godstime Asine", "title": "Founder", "founder_bio": "Co-founder and Lead,Engineering at Lenco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/godstime-asine-b089267b", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6178756ec1eaa14f9f2216832c8e814a345c2516.jpg" }, { "user_id": 248953, "full_name": "Praise Osagie", "title": "Founder", "founder_bio": "Chief Technology Officer at Lenco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/praise-osagie-1b607811a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/20856b0210c5f9b4051ffa20950a7fe78f1ed08c.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 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": 25981, "name": "Arpari", "slug": "arpari", "former_names": [ "re-eval" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1daae7ef53262d8880fc5c5838278da9bea07522.png", "website": "https://www.arpari.com", "all_locations": "New York City, NY, USA", "long_description": "Treasury management platform built for multibank finance teams. Seamlessly consolidate company finances, manage payments and financial operations from a single dashboard. 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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": 26265, "name": "Seis", "slug": "seis", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dd9b86419e3a78adb95e9c2144f9899fa50c0513.png", "website": "https://www.seis.com", "all_locations": "Salt Lake City, UT, USA; San Francisco, CA, USA", "long_description": "Today we're the easiest way for our customers to get a bank account. \r\n\r\nTomorrow we'll be the easiest way to get a credit card, auto loan, mortgage, etc. \r\n\r\nOur mission is to treat our customers as 1st class citizens and *end dial #2 for 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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": 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": 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": 26881, "name": "Bitstack", "slug": "bitstack", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6506d6d40e0fefed9444b740b5be015ee0d8f5a3.png", "website": "https://www.bitstack-app.com", "all_locations": "Paris, Île-de-France, France", "long_description": "Bitstack is building a new neobank powered by crypto. Bitstack has gone from a simple product that turns your spare change into bitcoin to a bitcoin-native neobank that is bringing a better way to manage all things money, with better money. We believe getting started with Bitcoin should be simple, fun and accessible to everyone.\r\n\r\nBitcoin is an unparalleled financial alternative: a radically new way to transact and store value all around the world. It is a new kind of currency that isn't centrally controlled by any business, government or bank and that cannot be debased. Bitcoin will redefine the future of finance, from payments to savings, and wealth preservation. It is the first open and borderless monetary network with a fixed supply of 21 million, making bitcoin the most scarce financial asset ever.", "one_liner": "All things money, with better money", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657049685, "tags": [ "Crypto / Web3", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "France", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bitstack", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/bitstack.json", "year_founded": 2021, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/bitstack-app", "x_url": "https://twitter.com/bitstack_", "fb_url": "https://www.facebook.com/bitstack", "cb_url": "https://www.crunchbase.com/organization/bitstack", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6506d6d40e0fefed9444b740b5be015ee0d8f5a3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 710971, "full_name": "Alexandre Roubaud", "title": "Founder", "founder_bio": "Alexandre Roubaud is the co-founder and CEO of Bitstack. He previously led Product at Moka, Canada's fastest-growing saving and investing app (acquired by Mogo). Originally from France, Alexandre graduated from McGill University where he received a Bachelor of Commerce.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexandreroubaud/", "x_url": "https://twitter.com/alexroubaud", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6a5850fb61b8a0ab686e82377725940d06935405.jpg" }, { "user_id": 711533, "full_name": "Kabir Sethi", "title": "Founder", "founder_bio": "Co-founder & CTO @ Bitstack: Lowering the barrier to entry to saving in Bitcoin in Europe.", "is_active": true, "linkedin_url": "https://linkedin.com/in/kabir-sethi-02148ba5/", "x_url": "https://twitter.com/setkabir", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e1e54815082ce271bd7662b66e8d06e75a2a67cf.jpg" } ], "jobs": [], "news": [ { "title": "Bitstack, France’s #1 Bitcoin Savings App, raises €5 million to reinvent the bank of tomorrow", "url": "https://www.bitstack-app.com/en/actualites/bitstack-raises-5-million-euros-to-reinvent-the-bank-of-tomorrow?c=EUR", "date": "Dec 12, 2024" } ], "launches": [ { "id": 64459, "title": "Bitstack — the easiest way to save and invest in Bitcoin in Europe 🇪🇺", "tagline": "Bitstack rounds up your daily purchases and invests the spare change in Bitcoin.", "body": "**tl;dr:** Bitstack is the easiest way for people in Europe to get their first crypto wallet. Users can get started by rounding up their purchases and investing the spare change in bitcoin, and then use our app to buy, sell, earn and spend cryptocurrencies like bitcoin. We believe getting started with Bitcoin should be simple, fun and accessible to everyone. **Download the app 👉** \n\nHi YC! We’re [@Alexandre Roubaud](https://bookface.ycombinator.com/user/710971) & [@Kabir Sethi](https://bookface.ycombinator.com/user/711533), the founders of Bitstack.\n\n[**Bitstack**](https://bitstack-app.com/) **is the easiest way to save and invest in Bitcoin in Europe. 🇪🇺**\n\n![uploaded image](/media/?type=post&id=64459&key=user_uploads/710971/48d95d1b-f5d5-43b3-93f0-89bd95091a38)\n\nBitstack is the easiest way for people in Europe to get their first crypto wallet. Users can get started by turning their spare change into bitcoin and then use the app to buy, sell, earn and spend new digital currencies like bitcoin.\n\nSimply download the app, securely link your bank account and you’re all set. Bitstack will automatically round up your everyday purchases to the nearest euro and invest the spare change in Bitcoin.\n\nThere is no need to determine the right time to buy and no investment knowledge required.\n\n### **Why should you save in Bitcoin?**\n\nToday, 2 out of 3 people are worried about not achieving their financial goals, whether that’s buying a house, saving for retirement, a vacation, or their children’s future.\n\nUnfortunately, most people continue saving in low-interest savings accounts that are consistently outpaced over the years by rising inflation.\n\nBut Bitcoin fixes this. Bitcoin is the first open, global and permissionless monetary network with a fixed supply of 21 million bitcoins, ever, and protected by a distributed network of users all around the world.\n\n**So we built Bitstack to finally make it simple, fun and accessible for everyone to save and invest in Bitcoin.**\n\n### **What our users say**\n\nSince the launch of our Beta 3 months ago, we’ve already helped our users save **1.5+ billion satoshis**. Did you know? 1 Bitcoin = 100 million satoshis.\n\n* “Bitstack is a fun way to build up savings and get started with Bitcoin!”\n* “It’s the best app for me as I don’t know how to save.”\n* “Very convenient to dollar-cost-average without having to think about it.”\n\n### **How do I get started?**\n\n**Download the app now 👉** \n\n**Ask**: Give us feedback at [founders@bitstack-app.com](mailto:founders@bitstack-app.com) so we can make this product even better, and tell your family and friends in Europe to try us out!\n\nThanks! **🧡**\n\nThe Bitstack Team", "url": "https://www.ycombinator.com/launches/Glf-bitstack-the-easiest-way-to-save-and-invest-in-bitcoin-in-europe", "votes": 26, "created_at": "2022-07-08T13:51:07.154Z" } ] }, { "id": 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": 27262, "name": "Pivo Technology Inc", "slug": "pivo-technology-inc", "former_names": [ "Pivo Technology" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7420fcdf5d2a549094588e1723a574be25f57e2e.png", "website": "http://www.pivo.africa", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Africa has experienced robust macroeconomic growth over the last five years and was the second fastest growing region in 2019 with a GDP of $2.6T, a 3.7% increase on 2018. Nigeria makes up $0.5T, 50% of which comes from Small and Medium Enterprises (SMEs) – a huge number of these operate within large manufacturing supply chains.\r\n\r\nStarting with Freight Carriers Pivo makes financial services easily accessible for truck owners and truck drivers by providing a bank account, debit card and digital invoicing tools so they can get paid faster and avoid cash flow problems.\r\n\r\nThis will be further augmented by more fundamental financial products such as credit, transaction management, and expense management, to improve their cashflow. ", "one_liner": "Digital Bank for Freight Carriers in Africa.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1656940518, "tags": [ "Fintech", "Payments", "B2B", "Supply Chain", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pivo-technology-inc", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/pivo-technology-inc.json", "year_founded": 2021, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/75046532", "x_url": "http://www.twitter.com/PivoAfrica", "fb_url": "http://www.facebook.com/Pivo-Financial-Services-102162352150721", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7420fcdf5d2a549094588e1723a574be25f57e2e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 810653, "full_name": "Ijeoma Akwiwu", "title": "Founder", "founder_bio": "COO/Legal Engineer building Pivo Africa.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/ijeoma-akwiwu", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a657b2bb00a658157a0c2ae42632489ffc4c248a.jpg" } ], "jobs": [], "news": [ { "title": "Pivo, a Nigerian fintech company run by women, raises $2 million in a seed round - Tech In Africa", "url": "https://www.techinafrica.com/pivo-a-nigerian-fintech-company-run-by-women-raises-2-million-in-a-seed-round/", "date": "Nov 24, 2022" }, { "title": "Pivo powers up Nigerian freight carriers with a bespoke digital bank, gets $2M seed funding • TechCrunch", "url": "https://techcrunch.com/2022/11/24/pivo-powers-up-nigerian-freight-carriers-with-a-bespoke-digital-bank-gets-2m-seed-funding/?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAANDKVeU48Z3OLIXGQdgcwpNXX8KOit_fh-Thu-cllO8ICvCNk9_4IkhoPfPHTtIH_NFXj1VaXzKNdXgMjVcFmnGXY7eedSF9lNAbBuXDTXcRzQ7AHoIZF4NLdx7wPNbtFa9CIf09YJ2XmxiI24HUJDDOI-rvrxhhMmh6oEZRK2vb", "date": "Nov 24, 2022" }, { "title": "Pivo Africa secures $2M seed round - Business Africa Online", "url": "https://businessafricaonline.com/pivo-africa-secures-2m-seed-round/", "date": "Nov 24, 2022" }, { "title": "Pivo Africa raises $2M seed fund to expand product offerings to supply chain SMEs", "url": "https://www.benjamindada.com/pivo-africa-secures-2m-seed-to-expand-into-east-africa/", "date": "Nov 24, 2022" }, { "title": "How Pivo is providing fast and reliable financial services for Africa’s supply chain businesses", "url": "https://techpoint.africa/2022/03/14/pivo-supply-chain-financing", "date": "Mar 14, 2022" } ], "launches": [ { "id": 65366, "title": "Pivo - Bank Accounts and Payments for Freight Carriers in Africa", "tagline": "Meet Pivo, a platform that centralizes the way freight carriers collect, make and track payments.", "body": "**The Problem**\n\nSMEs in supply chains are constantly battling cash flow problems. These SMEs do not get paid in advance and have narrow windows (2 to 7 days) to execute orders. Yet their invoices take as long as 90 days to pay. This is further compounded by an inefficient way to track how and when they get paid. They are left struggling to execute large client orders and miss out on significant business opportunities and earnings.  \n\n**The Pivo Solution**\n\nStarting with freight carriers, Pivo provides easy access to a smart bank account, debit card and digital invoicing tools that track payments so they can get paid faster. \n\n![uploaded image](/media/?type=post&id=65366&key=user_uploads/147283/c94afb6e-46c0-424c-9633-9c94b17b6364)\n\nThis will be further augmented by more fundamental financial products such as access to credit and expense management, to improve cash flow for these SMEs. \n\nOur goal is to build an end-to-end financial operating system for these businesses.  \n\n**Our Ask** \n\nKnow any supply chain companies or tech platforms looking for a smart financial partner for their SME vendors? We’d love to connect with them. Send us an email: [founders@pivo.africa](mailto:founders@pivo.africa).", "url": "https://www.ycombinator.com/launches/H0I-pivo-bank-accounts-and-payments-for-freight-carriers-in-africa", "votes": 91, "created_at": "2022-08-15T13:40:28.304Z" } ] }, { "id": 27267, "name": "Ping", "slug": "ping", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e9b87c65de1557a4548c55d16dabf0051c7a1e7d.png", "website": "https://www.letsping.com/", "all_locations": "Buenos Aires, CABA, Argentina; Miami, FL, USA; Remote", "long_description": "Ping enables international contractors and freelancers to have access to a personal Dollar account in the US, a crypto account, and generate invoices to get paid. With Ping, workers make on average 4% more money and get paid the same day.\r\n", "one_liner": "The global neo-bank for contractors and freelancers", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657547998, "tags": [ "Crypto / Web3", "Payments", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Argentina", "United States of America", "Latin America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ping", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/ping.json", "year_founded": 2021, "city": "Buenos Aires", "country": "AR", "linkedin_url": "https://www.linkedin.com/company/hola-ping/", "x_url": "https://twitter.com/holapinglatam", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e9b87c65de1557a4548c55d16dabf0051c7a1e7d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1075999, "full_name": "Mary Saracco", "title": "Founder", "founder_bio": "My goal is to revolutionize international payments and make them as easy as sending an email.\nI have previously worked at UBS as an M&A Investment Banker and at the World Bank before switching to applying my knowledge to work on cross-border payments full time.\n\nBefore Ping, my team and I created Latamex, LatAm's largest fiat-to-crypto gateway, providing services to top exchanges like Binance, OKEX, Huobi and blockchains such as Stellar, IOTA, amongst others.", "is_active": true, "linkedin_url": "http://linkedin.com/in/marysaracco", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c7af612c138f6856e394391410ba37194e63b0c5.jpg" }, { "user_id": 1076001, "full_name": "Pablo Orlando", "title": "Founder", "founder_bio": "Recognized as one of the top Innovators in Latam Under 35 by MIT. Fintech entrepreneur with more than 16 years of experience leading the development of customized solutions for fintech and e-commerce in LATAM. Former COO of Bluesmart, world's first smart connected luggage. ", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/orlandopablo", "x_url": "https://twitter.com/orlandopablo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/db2fdb31c85caccfd902a7e2330a74454f9f90c0.jpg" }, { "user_id": 327959, "full_name": "Jack Saracco", "title": "Founder", "founder_bio": "I previously led the international expansion and growth of LatamEx, Latin Americas largest Crypto-to-Fiat on-ramp service. Providing on ramp service to the largest exchanges, wallets and ecosystems in the crypto industry including Binance, Okex, Huobi and blockchains such as Stellar, IOTA amongst others.\n\nCo-created the first Latin American stablecoin and enabled +100,000 users adopt cryptocurrencies. Crypto public speaker and advisor. \n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jacksaracco/", "x_url": "https://twitter.com/jacksaracco", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e261a10dfa890c65c609a63d6a9468abb7ca07f3.jpg" } ], "jobs": [], "news": [ { "title": "Ping wants to simplify global payments while helping Latin Americans embrace crypto • TechCrunch", "url": "https://techcrunch.com/2022/11/09/ping-payments-crypto/", "date": "Nov 09, 2022" } ], "launches": [ { "id": 64311, "title": "Ping - Neo bank for remote workers", "tagline": "Meet Ping: The solution for paying and getting paid remotely", "body": "### **Ping - A Neo Bank that allows remote workers to invoice their employers and receive payments in USD & crypto and convert to local currencies**\n\n![uploaded image](/media/?type=post&id=64311&key=user_uploads/1075999/126b0c53-296b-4241-b724-6eab26d59cf5)\n\n**The problem Ping solves**\n\nCurrently, global workers use a complicated mix of solutions to access their contractors' fees (usually involving 3 different platforms or more), all of these options are expensive and time-consuming and it is very hard for them to convert the funds to local currencies. \n\n\\\n**How does Ping solve this?**\n\nPing offers an **ALL-IN-ONE platform that generates invoices, receives USD payments, deposits, international transfers, local currencies and crypto/stablecoins** to handle global cross-border payments instantly, with low fees and a positive contractor-employer experience.\n\n\\\n**How you can help**\n\nTry it for yourself! \\\n\\- **If you are a contractor:** signup at [www.letsping.com](http://www.letsping.com)  create and send beautiful invoices to whomever you want to get paid from.\\\n\\- **If you are a company:** register at [www.letsping.com](http://www.letsping.com) to start paying your contractors and employees. As a company you can also receive payments even investment through direct wire transfer.\\\n\\\nStart using Ping! click [here](https://letsping.com/).\n\n**We’d love to hear from you!**\n\nEmail us at: [founders@holaping.com](mailto:founders@holaping.com) \n\nTwitter: \n\nInstagram: \\\n\\\nLet’s Ping together!", "url": "https://www.ycombinator.com/launches/GjH-ping-neo-bank-for-remote-workers", "votes": 295, "created_at": "2022-07-04T18:30:20.948Z" } ] }, { "id": 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": 28116, "name": "Wallbit", "slug": "wallbit", "former_names": [ "Wallbit LLC", "Wallbit Pay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/85e8ced1cd60b84efb4f8a3717bd9cac4572be69.png", "website": "https://wallbit.io", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Wallbit is a neobank for global remote workers, it offers them bank accounts in the US, a debit card, and an investment account to invest in bonds or stocks on the US stock market.", "one_liner": "Neobank for global remote workers", "team_size": 17, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1677044894, "tags": [ "Fintech", "Investing", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "Argentina", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/wallbit", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/wallbit.json", "year_founded": 2022, "city": "Buenos Aires", "country": "AR", "linkedin_url": "https://linkedin.com/company/wallbit", "x_url": "https://twitter.com/wallbit_app", "fb_url": "https://instagram.com/wallbit.app", "cb_url": "https://www.crunchbase.com/organization/wallbit", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/85e8ced1cd60b84efb4f8a3717bd9cac4572be69.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1ea575d0ca342402c06822ed38a98cd026cd75c3.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1021346, "full_name": "Rodrigo Vidal", "title": "Founder", "founder_bio": "CEO @ Wallbit", "is_active": true, "linkedin_url": "https://linkedin.com/in/rodrigovidal05", "x_url": "https://twitter.com/rodrividal_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/647ac9c6fb6e9a98473e24c1bd0c54a1d10b13de.jpg" }, { "user_id": 1021392, "full_name": "Tomas Bruzza", "title": "Founder", "founder_bio": "Head of Product @ Wallbit", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomasbruzza/", "x_url": "https://twitter.com/tomasbruzza", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0602cf95549e2e2310fec7b236877649a7d726c0.jpg" }, { "user_id": 1238147, "full_name": "Braian Fritz", "title": "Founder", "founder_bio": "Software Architect @ Wallbit", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/braian-nicolas-fritz-887966144/", "x_url": "https://twitter.com/braian_fritz", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/95b5d6bf741d1208ba0e7e8da2952c9b64be85d9.jpg" }, { "user_id": 1021372, "full_name": "Martin Gira", "title": "Founder", "founder_bio": "CTO @ Wallbit", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/martintg", "x_url": "https://twitter.com/martin_tito_99", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/acd37c71a62471c69176bfbf3f8c683b19afc504.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 84746, "title": "Wallbit: US banking for global remote workers", "tagline": "Meet Wallbit; US bank account, card and investments for non-US residents", "body": "**Wallbit: The All-in-One Neobank for Global Remote Workers**\n\nWe’re excited to introduce you to the new version of Wallbit: your US banking app from anywhere in the world—without ever stepping foot in the US.\n\n### **FOR INDIVIDUALS:**\n\n* **US Checking Account**: Open a fully functional US checking account 100% remotely. No need for costly travel or lengthy paperwork.\n* **US Debit Card**: Spend globally with a US debit card linked directly to your Wallbit checking account.\n* **Investment Accounts**: Access US stocks and ETFs with ease, giving users the ability to invest and grow their wealth.\n* **Cash Management**: Earn competitive yield on your cash with low-risk options designed for stability and growth.\n* **Instant Withdrawals to Latin America**: Send money back home in seconds, saving up to 5% and many days compared to traditional remittance methods.\n\n![uploaded image](/media/?type=post&id=84746&key=user_uploads/1021346/47f1952f-aabe-4657-bf81-1e36a3022634)\n\n### **For Businesses:**\n\nOur new **Business Portal** allows companies to easily pay to all their contractors without incurring in swift bank transfers or paying high fees to other intermediaries. With no cost, businesses can now \"bankarize\" all their contractors, open US bank accounts to all of them and manage their payroll seamlessly in Wallbit or their own business banking (aka Mercury, Brex, etc.)\n\n### **🥳 Do you like it?**\n\nSign up now and let us know what you think! If your company is interested in using our business portal, or if you’d like to just chat and learn more, you can reach out to us at [founders@wallbit.io](mailto:founders@wallbit.io)\n\n![uploaded image](/media/?type=post&id=84746&key=user_uploads/1021346/2e7f1aff-2d18-4c75-b6e3-4794e53d06e3)\n\n", "url": "https://www.ycombinator.com/launches/M2s-wallbit-us-banking-for-global-remote-workers", "votes": 6, "created_at": "2024-10-14T22:34:11.128Z" }, { "id": 69714, "title": "Wallbit: Neobank in the US for global remote workers", "tagline": "Meet Wallbit, a Neobank for non-US residents that also supports crypto and local currency withdrawals", "body": "**TL;DR:** Wallbit is a Neobank for global remote workers. We give non-US residents a bank account in the US where they can receive their income, and withdraw in crypto and local currencies around the world.\n\nHey everyone 👋, we are happy to introduce Wallbit!\n\n![uploaded image](/media/?type=post&id=69714&key=user_uploads/1021346/74112f3e-dbd6-4d80-b025-6b4e6c217aac)\n\n**🙃 The Problem:**\n\nAs an international worker, you have to figure out ways to receive payments and withdraw money locally. Some banks in Latin America don’t even support US dollars, and the **US financial products are not so accessible if you don’t live there!**\n\n**🌎 The Solution:**\n\n**⚡ One-Stop Neobank for all the needs of remote workers ⚡**\n\nWallbit not only helps you receive payments, but also helps you get immediate liquidity. **Imagine receiving an ACH/Wire bank transfer from your client/employer in your Wallbit account, and then having those funds available in your bank account in your country in just 5 minutes…** sounds good, right? That’s exactly what we do.\n\nNow, take a look to the rest of our features:\n\n1. Receive ACH/Wire and Swift bank transfers ✅\n2. Receive payments from payroll platforms like Deel, OnTop ✅\n3. Convert and withdraw in crypto or local currencies ✅\n4. Get access to a virtual US debit card ✅\n5. Invest in the stock market and US treasuries ✅\n\nYep, all that, and it’s live already, no waitlists! Sign up in [app.wallbit.io](http://app.wallbit.io) and get access to your US bank account for free.\n\n### **💪 Why us?**\n\nWe are a team of software engineers from Argentina who have faced this problem for years while working remotely for US companies. We’re combining all that understanding of the problem with our tech expertise to fill the banking gap between the US and the rest of the world.\n\n![uploaded image](/media/?type=post&id=69714&key=user_uploads/1021346/e30bd5b8-34df-4c62-b7ee-b0b0d0bb87c9)\n\n### **🥳 Do you like it?**\n\nSign up now and let us know what you think! You can reach out to us at [founders@wallbit.io](mailto:founders@wallbit.io)", "url": "https://www.ycombinator.com/launches/I8Q-wallbit-neobank-in-the-us-for-global-remote-workers", "votes": 188, "created_at": "2023-02-27T18:14:46.462Z" } ] }, { "id": 28382, "name": "Theya", "slug": "theya", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/57042ecd2926bcb4a43d14403b927a2ae844ffdc.png", "website": "https://www.theya.us/", "all_locations": "San Francisco, CA, USA", "long_description": "Theya is the world’s simplest Bitcoin self-custody app for users who find crypto exchanges risky and hardware wallets overwhelming. We are making the self-custody UX seamless with our multi-sig wallet that users can set up using smartphones, giving them the functionality and convenience of centralized exchanges without sacrificing control and security of hardware wallets.\r\n\r\nWe aim to be the default consumer app for Bitcoin - offering products like accumulation, lending, investments and payments - all built on top of our intuitive self-custody platform.", "one_liner": "The world's simplest Bitcoin self-custody solution", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1678296107, "tags": [ "Fintech", "Crypto / Web3", "Consumer", "Neobank" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.\n", "answer": "Multi-sig, self-custodial Bitcoin private banking" } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/theya", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/theya.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/theya-us", "x_url": "https://twitter.com/theya_inc", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/57042ecd2926bcb4a43d14403b927a2ae844ffdc.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 1000007, "full_name": "Vikas Choudhary", "title": "Founder", "founder_bio": "Co-founder/CTO at Theya - building a self-custodial bitcoin private bank. Previously co-founder/CTO at Porter (marketplace for trucking - >$230M revenue; backed by Sequoia Capital, Tiger Global)", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/vikasch90/", "x_url": "https://twitter.com/vikasch", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dce5903794c3ee0cd29c4c687022b696126ebcb0.jpg" }, { "user_id": 1235724, "full_name": "Smeet Bhatt", "title": "Founder", "founder_bio": "Smeet has background as a tech entrepreneur and investor. Previously, he led marketing and GTM at a YC S18 enterprise software company, Prodigal (Sr A: Accel, Menlo, YC). Smeet was also an investor with IDG Ventures and co-founded Chymera (mobile VR ad-network).\n\nSmeet studied Civil Engineering and Physics at IIT Bombay and has experience trading global macro (equities, bonds, FX, commodities) and growth tech investing for over 8 years. He also believes that Bitcoin is not a choice.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/smeetbhatt/", "x_url": "https://twitter.com/smeet_bhatt", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/42a4aa089e96d1507f1490f9f8430902e7d5ea68.jpg" }, { "user_id": 271471, "full_name": "Sriram Bhargav Karnati", "title": "Founder/CTO", "founder_bio": "Previously co-founder / CTO @ Theya (W23). Now I do AI stuff @ Fireworks AI", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/srirambhargav", "x_url": "https://twitter.com/_sriramk_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b35f5724779bab859262ab6ef7ae0ba549453032.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 89374, "title": "Theya for Business – The Bitcoin Operating System for Organizations", "tagline": "Secure, scalable bitcoin management for treasury, payments, and team operations", "body": "**tl;dr:** We built Theya for Business so any organization using Bitcoin—whether you're 2 or 2,000 people—can securely manage bitcoin across teams, departments, and entities without relying on custodians.\\\n\\\nManage Bitcoin, create collaborative vaults, make payments, assign access roles, track transactions, and streamline reconciliation—all from one clean dashboard.\n\n![uploaded image](/media/?type=post&id=89374&key=user_uploads/271471/b652e58d-6a72-4b48-aeb6-e0f3d518422c)\n\n**No custodians. No hardware required. No technical experience needed.**\n\n\n\n---\n\n### Why This Matters\n\nManaging bitcoin in a team setting is hard:\n\n* Single-key wallets = single points of failure\n* Custodians = counterparty risk\n* DIY multisig = technical, fragmented, and hard to scale\n\nWe’ve seen finance and ops teams struggle to manage holdings, delegate access, and reconcile activity—securely and collaboratively.\\\n**Theya for Business solves this with a purpose-built, modular platform that scales with your org.**\n\n---\n\n### What You Can Do with Theya\n\n✅ **Collaborative Vaults**\\\n2-of-3 multisig setup—distribute keys and approve transactions across your team.\n\n✅ **Scalable Infrastructure**\\\nCreate vaults for departments, partners, or individual employees—all under one roof.\n\n✅ **Effortless Access Control**\\\nAssign signer roles, onboard your finance team, and rotate access without any engineering overhead.\n\n✅ **Transaction Visibility & Reconciliation**\\\nTrack balances, activity, and approvals from a single dashboard—ideal for ops, accounting, and compliance.\n\n✅ **Modular Setup**\\\nUse single-key for payments, multisig for core holdings. Theya supports both.\n\n---\n\n### Who It’s For\n\n* Bitcoin-native companies\n* Funds, family offices, and exchanges\n* Any organization managing bitcoin across teams, wallets, or jurisdictions\n\n---\n\n### What’s Next\n\n* Built-in bitcoin purchases\n* Automated payroll & bonuses in BTC\n* Credit lines against your bitcoin\n* Advanced finance & compliance dashboards\n\n---\n\n### Why Now\n\nBitcoin is gaining traction with organizations, but the infrastructure hasn’t kept up. Most custody options are built for individuals or require trust in third parties.\n\n**Theya offers a new model: collaborative, self-custodial, and built for scale.**\n\n---\n\n### Try It Today\n\nTheya for Business is live and available globally — [business.theya.us](https://business.theya.us)", "url": "https://www.ycombinator.com/launches/NFW-theya-for-business-the-bitcoin-operating-system-for-organizations", "votes": 12, "created_at": "2025-04-10T13:39:56.679Z" }, { "id": 70576, "title": "Theya: World's simplest Bitcoin multi-sig, self-custody app", "tagline": "We are building the default consumer app for Bitcoin - offering products like accumulation, lending, investments and payments - all built on top of our intuitive self-custody platform.", "body": "### **Tl:dr**\n\nTheya is the world’s simplest Bitcoin self-custody app for whole-coiners (users with >1BTC) who find crypto exchanges risky and hardware wallets overwhelming. We simplify the self-custody UX through our multi-device, multi-sig wallet that users can set up using smartphones, giving you the functionality and convenience of centralized exchanges without sacrificing control and security of hardware wallets.\n\n### **Team**\n\nVikas, Sriram and Smeet have extensive background in founding and scaling tech companies and crypto platforms over the past 10 years. Founders have been friends for over 15 years.\n\n![uploaded image](/media/?type=post&id=70576&key=user_uploads/1235724/1abfbd7f-b023-47b1-8c54-ddf9bd32371f)\n\nVikas was previously the co-founder and CTO of Porter, India’s largest intra-city logistics marketplace that does over $220M in annual revenue. He raised over $150M from Sequoia Capital and Tiger Global during his 7 years at Porter. While studying at Stanford, Vikas founded an ML-driven real estate fund that has invested over $30M.\n\nSriram has led crypto engineering teams at Robinhood, FalconX and GameStop Blockchain. He built crypto custody infra and led the development of self-custody wallets for Robinhood and GameStop. He started his career at Google and has over 10 years of experience building consumer apps. Sriram graduated with Bachelors in Computer Science from IIT Bombay.\n\nSmeet has led marketing and go-to-market teams at multiple early-stage startups. Prior to Theya, he was the first business hire at Prodigal (YC S18). He started his career at Deutsche Bank and has 8+ years of experience trading macro assets like FX, Bonds, Equities and believes that long Bitcoin is the most important trade of the 2020s.\n\n### **Problem:**\n\nThe protection of your wealth and trust is paramount, which is why we exist. The reality is that centralized crypto platforms like FTX, Celsius, and Voyager have failed to ensure the safety of their users' Bitcoin. More recently, there are renewed concerns about Binance.\n\nAs the saying goes, **\"not your keys, not your Bitcoin\"** and this is more true now than ever before. Every user who stores Bitcoin on popular crypto exchanges faces severe counterparty risks, including:\n\n**Credit Risk:** If your crypto exchange was to go bankrupt (like FTX) or suffer a catastrophic event, your Bitcoin stored there is certainly at risk.\n\n**Regulatory Risk:** Any change in laws or regulations, crypto exchanges may be forced to freeze or confiscate your Bitcoin.\n\n**Cybersecurity Risk:** While centralized exchanges invest in security measures, they are prime targets for cyber attacks. Successful hackers can steal users’ Bitcoin from hot wallets.\n\nSelf-custody hardware wallets are a solution, but they come with their own set of challenges. They have a messy user experience, and users are responsible for managing their own setup, security, and backup keys. Furthermore, they represent a single point of failure. These risks make it crucial to prioritize the protection of your Bitcoin, and we are here to help you do just that.\n\n### **Solution:**\n\nOur multisig wallet is like a digital safe where you need multiple keys to unlock it. For example, our 2-of-3 multi-sig wallet requires two out of three keys to approve a transaction before the Bitcoin can be spent.\n\nCustomers will always hold the two keys necessary to approve transactions. Theya holds the third key that can only be used for recovery if you misplace one of your keys, but it can never be used to transfer funds on its own.\n\nTheya is simplifying the self-custody experience through a mobile-first multisig wallet that families can set up using iPhones and Apple Watches. We also support other devices such as NFC cards, hardware wallets, and more that can be used as your additional keys if desired. We make your Bitcoin resilient to phishing and hacking and you retain control of your Bitcoin wealth even if we fail without notice.\n\n### **Ask**\n\n1. If you currently hold Bitcoin on centralized exchanges like Coinbase, Binance, Robinhood, Kraken, Gemini etc. you should definitely consider taking self-custody. Hit us up for a free trial to the simplest Bitcoin self-custody app ever.\n2. Reach out if you are curious to learn about Theya, Bitcoin and the ongoing global banking crisis, feel free to reach out.", "url": "https://www.ycombinator.com/launches/IMK-theya-world-s-simplest-bitcoin-multi-sig-self-custody-app", "votes": 46, "created_at": "2023-03-28T03:24:42.591Z" } ] }, { "id": 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": 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": 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": 29161, "name": "Goldbridge", "slug": "goldbridge", "former_names": [ "Player One", "Story Quest", "StoryQuest", "Goldbridge", "StoryQuest" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d6bc2a399aaabb43bac34995b9a37125e0e1426.png", "website": "https://www.goldbridgebanking.com/", "all_locations": "", "long_description": "Goldbridge is building the financial operating system for the largest asset class in the world – real estate. More than $1T in rent flows through landlord bank accounts annually, with roughly a quarter locked in idle reserves and security deposits – and billions more leaking from unnecessary property expenses. And with $2.5T in real estate loans about to mature in 2027/28, property owners are desperate to boost their income ASAP. \r\n\r\nGoldbridge solves this problem by creating the first AI-powered banking platform for real estate owners. We are backed by Y Combinator and other world-class investors, and our founding team includes a 2x YC founder, former White House advisor, and 100-unit real estate owner/operator with deep industry expertise. Come help us redefine the future of real estate.", "one_liner": "Ramp for Real Estate", "team_size": 3, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1763193418, "tags": [ "Real Estate", "Finance", "Proptech", "Neobank", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "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/goldbridge", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/goldbridge.json", "year_founded": 2025, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/goldbridgebanking", "x_url": "https://x.com/trygoldbridge", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d6bc2a399aaabb43bac34995b9a37125e0e1426.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": 95578, "full_name": "Alvin Salehi", "title": "Founder/CEO", "founder_bio": "Alvin Salehi is a 2x YC founder and CEO of Goldbridge, the all-in-one financial platform for real estate owners. He's also the co-founder of Shef, a Series B marketplace that enables anyone to cook and sell food from home. Salehi previously served as Senior Technology Advisor at the White House, where he authored the country’s first federal open source software policy and spearheaded its regulatory enforcement. Salehi also co-founded Code.gov and is a Venture Partner at NextGen VP.", "is_active": true, "linkedin_url": "https://linkedin.com/in/alvandsalehi", "x_url": "https://x.com/alvinsalehi_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/88f4952ce02c85916f2d3f52626af96bc7a6209b.jpg" }, { "user_id": 1476984, "full_name": "Greg Rami", "title": "Founder", "founder_bio": "Greg Rami is the Co-Founder of Goldbridge, the all-in-one financial platform built for real estate owners. With a broad engineering background spanning Android and iOS native development, web and backend systems, while leading teams at high-growth companies. He also brings training and practical experience in machine learning and data visualization from work at the NIST and NIH. Greg holds dual master's degrees in Computer Science and Business Management.", "is_active": true, "linkedin_url": "https://linkedin.com/in/gregrami", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/63e203577934eb66e97525d7594dba8380397c26.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 95598, "title": "Goldbridge – Ramp for Real Estate 🏠", "tagline": "The all-in-one financial platform for real estate owners. Banking + intelligence + automation, custom-built for property owners & operators.", "body": "**Tl;dr:** We can increase a real estate owner’s property values by 20 percent in less than three months. We already have thousands of units on board and just signed a strategic partnership deal with a company that puts us in front of 8M units in 2026.\n\nWe’re [Alvin](https://www.linkedin.com/in/alvinsalehi/) & [Greg](https://www.linkedin.com/in/gregrami/) and we’re the founders of [Goldbridge](https://www.goldbridgebanking.com/). Alvin’s first YC company, Shef (W19), is a homemade food marketplace that helped change state laws across the country so that people could legally cook and sell food from home. They raised over $100M, scaled Shef nationally, and built it into a Series B company that continues to grow rapidly across the country.\n\nNow we’re building Goldbridge, the financial operating system for real estate – and we built it from the ground up based on our personal experience owning and operating residential properties.\n\n**THE PROBLEM**\n\nOver **$1 trillion** **of rent** flows through landlords’ bank accounts every year, and nearly 25% of it sits idle in reserves and deposits. In other words, **real estate banking is fundamentally broken**:\n\n* Traditional banks don’t understand real estate cashflows\n* Property management systems don’t handle money movement, treasury, or yield\n* Operators juggle multiple bank accounts, spreadsheets, and manual reconciliations\n* Billions are lost every year in missed yield, overpayments, and operational inefficiencies\n\nThis is one of the largest underserved financial categories in the country.\n\n**WHY WE BUILT GOLDBRIDGE**\n\n![uploaded image](/media/?type=post&id=95598&key=user_uploads/95578/286eb9a4-254e-43a5-b09c-1e451fbb85ce)\n\nAs the son of immigrants, Alvin grew up in a motel and helped his parents manage properties growing up. Now he owns 81 units in the Bay Area, and he’s personally experienced how painful it is to manage property finances once you hit mid-market scale (50+ units).\n\nBy modernizing his banking stack, renegotiating contracts, appealing his property tax bills, applying for government rebates, optimizing maintenance spend, and restructuring rent collections, Alvin took his 81-unit portfolio from **–2% burn → +36% cashflow in just a few months.**\n\nWe’ve now replicated this for other property owners, and the patterns are universal.\n\n**OUR SOLUTION**\n\n![uploaded image](/media/?type=post&id=95598&key=user_uploads/95578/de43ac4b-4268-4af9-8522-7410002f340c)\n\n**1. Banking Built for Real Estate**\n\nHigh yield operating accounts, reserve accounts, and automated reconciliations across your entire portfolio of properties -- all under one FDIC-backed infrastructure.\n\n**2. Automated Savings & Earnings Optimization**\n\nGoldbridge automatically surfaces:\n\n* Property-tax reassessment opportunities\n* Vendor contract renegotiation opportunities\n* Government rebate and incentive programs\n* Utility bill errors\n* Idle cash yield optimization\n* Reserve allocation improvements\n\nBecause Goldbridge sits at the **banking + transaction layer**, we have access to data that is cleaner, richer, and more accurate than generic financial platforms. On top of that, we can actually move money for owners intelligently and safely rather than just highlighting the issues that need to be resolved and throwing the manual work back onto their plates.\n\n**WHY NOW**\n\n**1. A $2.5T Refi Wall Is Coming (2027–2028)**\n\nAn estimated $2.5 trillion in real estate loans will mature soon, which is making owners desperate to improve their property finances. They will need pristine financials, liquidity discipline, and real-time visibility into how their money moves.\n\n**2. LLMs Unlock Automation in a Data-Dense Industry**\n\nNeedless to say, real estate produces massive amounts of invoices, leases, utility bills, tax docs, contracts, rent rolls, and loan agreements. What previously took days to review and reconcile can now be done in minutes.\n\n**TRACTION**\n\nWe’re moving extremely fast. We already have **thousands of units** on board and just signed a strategic partnership deal with a company that puts us in front of **8M units** in 2026.\n\n**FOUNDERS**\n\n**Alvin Salehi (Co-Founder/CEO)**\n\n* 2x YC founder\n* Multifamily owner/operator (100+ units)\n* Co-founder of [Shef](https://shef.com/) (Series B)\n* Fmr Senior Tech Advisor @ White House\n\n**Greg Rami (Co-Founder/CTO)**\n\n* 15+ yrs eng experience with Data/ML/SWE; full stack + mobile native\n* Built parallel data processing for physics models @ NIST\n* Led engineering teams at high-growth companies\n\n**GET IN TOUCH**\n\nGoldbridge is building the financial OS for a trillion-dollar vertical. Drop us a line anytime if you’d like to chat – [**founders@goldbridgebanking.com**](mailto:founders@goldbridgebanking.com).", "url": "https://www.ycombinator.com/launches/Oru-goldbridge-ramp-for-real-estate", "votes": 22, "created_at": "2025-11-18T14:39:13.062Z" } ] }, { "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": 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": 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. Whenever you spend, we issue a loan in real time, using your investments as collateral, to cover the cost. This is the most capital and tax efficient way to manage your money. It's what the ultra wealthy already do to finance large purchases, and now you can do it for every day spending.", "one_liner": "Combined checking and investment account", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1723587984, "tags": [ "Fintech", "Investing", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "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/lucible", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/lucible.json", "year_founded": 2024, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a5799d3c0e21d19d632cd36119e0bb9edb1d66cf.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": 1995770, "full_name": "Toby Hirsch", "title": "Founder/CEO", "founder_bio": "Toby is the co-founder and CEO of Lucible. Before Lucible, Toby worked as a quantitative trader at Jane Street. He graduated from Penn's M&T program with degrees in computer science and statistics.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tobin-hirsch/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/93a25c827b3517694bb54d980e6eb1ce84706b9d.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "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. 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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": 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": [] } ]