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Exited October 2014.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1322045681, "tags": [ "Fintech", "Payments", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/slidepay", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2012/slidepay.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a95cbb96c6b5ae3c541364a7180555d9f08fdab7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 12303, "full_name": "Charlie Pinto", "title": "Founder/CEO", "founder_bio": "Partner at Bling Capital; co-founder/CEO SlidePay (YCW12, acquired); scaled PMF at Google Domains to $250M+ in revenue; employee #12 WePay (YCS09); NCAA D1 wrestler\n\nI help founders navigate each stage of company building — finding product-market fit, making growth repeatable, and building the organization to support it — with the right product, fundraising, and operating priorities at each stage.\n\nFormer Maryland D1 wrestler, 3x team captain, and BJJ World Championship finalist.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/charlespinto", "x_url": "https://www.twitter.com/charliepinto", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/447ea8819aedf28bc396ff7582e3aa45c793892e.jpg" }, { "user_id": 12701, "full_name": "Christopher Morton", "title": "Founder/CEO", "founder_bio": null, "is_active": false, "linkedin_url": "https://linkedin.com/in/mortonch", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1b008e62b5c26ee93abcb757f0a24b637c5a74ec.jpg" }, { "user_id": 37364, "full_name": "Joel Christner", "title": "Founder/CTO", "founder_bio": "Passionate about distributed systems, information storage and retrieval, data management, my family and children, and Brazilian jiu-jitsu.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/joelchristner/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/104fb9e603814bc0a5b00e0c739dc261d64e7788.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 60, "name": "Sendwave", "slug": "sendwave", "former_names": [ "Wave", "Brew", "Chime" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bbfeae646cc8051b5ad469413e67295e9fae353.png", "website": "https://www.sendwave.com", "all_locations": "Boston, MA, USA; Remote", "long_description": "Sendwave's mission is to make sending money as easy and affordable as sending a text. Our app sends transfers securely from North America and Europe to Africa, Asia, and the Americas at great rates.", "one_liner": "Instant, no fee international remittances.", "team_size": 350, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1625089349, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2012", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/sendwave", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2012/sendwave.json", "year_founded": 2014, "city": "Boston", "country": "US", "linkedin_url": "https://www.linkedin.com/company/wavemoney", "x_url": "https://twitter.com/sendwaveapp", "fb_url": "https://www.facebook.com/sendwave", "cb_url": "https://www.crunchbase.com/organization/sendwave", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bbfeae646cc8051b5ad469413e67295e9fae353.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 52090, "full_name": "Drew Durbin", "title": "Founder/CEO", "founder_bio": "CEO at Wave", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/drew-durbin-52517614/", "x_url": "https://twitter.com/drewdurbin/", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/13e85d1c53166f6c8640d323d32a619e9971802d.jpg" } ], "jobs": [], "news": [ { "title": "WorldRemit to Acquire Sendwave in $500 Million Payments Deal", "url": "https://www.bloomberg.com/news/articles/2020-08-25/worldremit-agrees-to-buy-sendwave-in-500-million-payments-deal", "date": "Aug 05, 2020" } ], "launches": [] }, { "id": 98, "name": "GoCardless", "slug": "gocardless", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ccdabab089f9b89cedc7a361ae2e169d4d6a942.png", "website": "http://gocardless.com", "all_locations": "London, England, United Kingdom", "long_description": "At GoCardless we believe that bank payments are the best way to pay and get paid. We help businesses collect both recurring and one-off payments, without the chasing, stress or expensive fees.\r\n\r\nWe’re building a global bank payment network that lets people make and collect payments straight from their bank account, across multiple countries and currencies. 75,000+ businesses around the world trust us to power their payments. We enable them to collect payments from 30+ countries, processing over $30 billion each year.\r\n\r\nOur suite of add-on products are helping businesses face their payment challenges head on. From automatically recovering failed payments, to challenging charge backs and fighting fraud - all without compromising their customer’s payment experience.\r\n\r\nOur open banking leadership unlocks the ability to make and accept direct bank payments confidently and securely. And our acquisition of Nordigen means we’re also helping businesses make faster and more informed decisions by accessing and generating insights from their customers’ bank account data.\r\n\r\nWe’re also backed by some of the world’s leading investors including Accel Partners, Bain Capital Ventures, Balderton Capital, GV (formerly Google Ventures), Notion Capital, Passion Capital, Permira and Salesforce Ventures. We're a global team, with offices in London, Paris, Riga, Melbourne and New York.", "one_liner": "We’re building the world’s bank payment network.", "team_size": 900, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326789297, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2011", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/gocardless", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2011/gocardless.json", "year_founded": 2011, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/gocardless/", "x_url": "https://twitter.com/GoCardless", "fb_url": "https://www.facebook.com/GoCardless/", "cb_url": "https://www.crunchbase.com/organization/gocardless", "github_url": "https://github.com/gocardless", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ccdabab089f9b89cedc7a361ae2e169d4d6a942.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/3a4f8e29e2ed10dc6dbf1a32697ac1fef3424e39.png" ], "primary_partner": null, "founders": [ { "user_id": 24082, "full_name": "Hiroki Takeuchi", "title": "Founder/CEO", "founder_bio": "Hiroki is co-founder and CEO of GoCardless, a global leader in direct bank payment solutions. Prior to founding GoCardless, he worked as a Business Analyst at McKinsey & Co before succumbing to the entrepreneurial bug and enrolling in the Y Combinator program. He studied Mathematics at Oxford University where he served as Vice President of Oxford Entrepreneurs.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hirokitakeuchi/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d7384c8f7758066af68c5e0dccb67f318e49bb2f.jpg" }, { "user_id": 24083, "full_name": "Tom Blomfield", "title": "Founder", "founder_bio": "Cofounded GoCardless (YC S2011) and Monzo (YC Continuity). Now a partner at YC, based in San Francisco.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/tomblomfield", "x_url": "https://twitter.com/t_blom", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9ab7bdb23ee93545fc44ab122a4e3a59baa2619c.jpg" } ], "jobs": [], "news": [ { "title": "GoCardless Embed opens up access to a global bank payment network | GoCardless", "url": "https://gocardless.com/blog/gocardless-opens-up-global-bank-payment-network/", "date": "Feb 08, 2022" }, { "title": "GoCardless secures USD312 million to accelerate growth in open banking", "url": "https://gocardless.com/blog/gocardless-secures-312m-to-accelerate-growth-in-open-banking", "date": "Feb 08, 2022" } ], "launches": [] }, { "id": 149, "name": "Tremendous", "slug": "tremendous", "former_names": [ "GiftRocket" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4113d9f505976529d750df754ce34c986d9cf14a.png", "website": "https://www.tremendous.com", "all_locations": "New York City, NY, USA; Remote", "long_description": "Tremendous is a payouts platform for businesses to send money and gift cards to anyone, anywhere. Used by 25k+ companies for one-time payments, including research compensation, marketing incentives, and employee recognition.", "one_liner": "How businesses send money to people at scale. Fast, free, global.", "team_size": 150, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1326789805, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2011", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tremendous", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2011/tremendous.json", "year_founded": 2010, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tremendous-rewards", "x_url": "https://twitter.com/gotremendous", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tremendous", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4113d9f505976529d750df754ce34c986d9cf14a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 8379, "full_name": "Nicolas Baum", "title": "Founder/CEO", "founder_bio": "cofounder @ tremendous", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicolasbaum/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9ab0a315aa4abd221ae8ff475a0604bd5f304d8d.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 161, "name": "Balanced", "slug": "balanced", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://balancedpayments.com", "all_locations": "San Francisco, CA, USA", "long_description": "Payments for Marketplaces.\n\nWe're obsessed with all forms of infrastructure, including communications, transportation, energy, waste management, and payments. Robust infrastructure creates a happier, more productive, and more prosperous society. You know exactly what I mean if you've traveled somewhere where you struggled to find a reliable Internet connect or even usable roads. You also know what I mean when you sit in traffic or struggle with public transportation (or lack thereof) in the US.\n\nBalanced was created to increase the global economy (increase GDP) by enabling new commerce. Our mechanism or facility to do that is payments. Everything else we do depends on how it fits into the vision for Balanced.", "one_liner": "Payments for Marketplaces", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1326789931, "tags": [ "Marketplace", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2011", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/balanced", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2011/balanced.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/balanced", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [], "jobs": [], "news": [], "launches": [] }, { "id": 169, "name": "OrderAhead", "slug": "orderahead", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e334d62bafa0332695cbf9c8cdda90c9f097a691.png", "website": "https://www.crunchbase.com/organization/orderahead", "all_locations": "San Francisco, CA, USA", "long_description": "OrderAhead is a mobile ordering and payments company that enables millions of users to order pickup from thousands of local merchants.", "one_liner": "Order ahead for pickup", "team_size": 50, "industry": "Consumer", "subindustry": "Consumer -> Food and Beverage", "launched_at": 1326789995, "tags": [ "Cashierless Checkout", "Marketplace", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2011", "status": "Acquired", "industries": [ "Consumer", "Food and Beverage" ], "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/orderahead", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2011/orderahead.json", "year_founded": 2012, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/orderahead", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e334d62bafa0332695cbf9c8cdda90c9f097a691.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 33963, "full_name": "Jeffrey Byun", "title": "Founder/CEO", "founder_bio": "2x YC founder (W11, P26), CEO of Akkari, and former bond trader. Previously scaled OrderAhead (acq by Square) to millions of users and BLADE to $1.2B+ in monthly trading volume.\n\n", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/jeffbyun/", "x_url": "https://twitter.com/jeffbyun", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5c9c9037a39cec5d8edeed5c93314652b04c5653.jpg" }, { "user_id": 5717, "full_name": "Henry A. Lee", "title": "Founder/CTO/Head of Engineering", "founder_bio": "Co-founder at Akkari; 2x YC; Stanford CS. Built OrderAhead (W11, acq by Square) to millions of users and thousands of merchants, then scaled BLADE, a crypto derivatives exchange to >$1.2B monthly trading volume.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/henryalee/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0283ff74918631ba490d323dfd7b940ae73b5f25.jpg" }, { "user_id": 55560, "full_name": "Ruddick Lawrence", "title": "Founder/CTO", "founder_bio": "", "is_active": false, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3edcda6c15e2df75e891f88a97f9865221f6a06c.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 316, "name": "Tipjoy", "slug": "tipjoy", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd401f9e4467d016fa8fbbd5917f2e2d0039c429.png", "website": "http://tipjoy.com", "all_locations": "", "long_description": "Tipjoy was a simple, social payments engine that allowed merchants to sell digital content and features, charities to raise money for causes, and individuals to give money to one another.\r\n\r\nTipjoy was a Winter '08 Y Combinator participant.", "one_liner": "social micropayments", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1326791261, "tags": [ "Payments", "Social" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2008", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Unspecified" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tipjoy", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2008/tipjoy.json", "year_founded": 2008, "city": null, "country": null, "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tipjoy", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fd401f9e4467d016fa8fbbd5917f2e2d0039c429.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 355, "full_name": "Ivan Kirigin", "title": "Founder/CTO", "founder_bio": "2X YC Tipjoy W08 and YesGraph W15, with time at iRobot, Facebook, Dropbox, and Lyft. \n\nHow investing in ML, automation, and robotics at Tango.vc", "is_active": false, "linkedin_url": "http://www.linkedin.com/in/kirigin/", "x_url": "https://twitter.com/ikirigin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/918d9b372d2a690028145285b5df947715c43f50.jpg" }, { "user_id": 35683, "full_name": "Abigail Kirigin", "title": "Founder/interaction designer", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/abbykirigin", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a794c950a0c44739404283eaa45b0161b4541a15.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 477, "name": "PayTango", "slug": "paytango", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://paytango.com", "all_locations": "San Francisco, CA, USA; Mountain View, CA, USA", "long_description": "PayTango is simple, modern invoicing.\n\nNo more dealing with spreadsheets, word processors, or entering data into complex and bulky invoicing software. Now you can quickly create beautiful PDF invoices and send them from anywhere.\n\nSign up at www.paytango.com", "one_liner": "Simple invoicing", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1354492656, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2013", "status": "Inactive", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/paytango", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2013/paytango.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/paytango", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 58200, "full_name": "Umang Patel", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/umangp90", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6b91291b8e3d0c48f6ff8ed25beb84af3d3a6831.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 504, "name": "Coin", "slug": "coin", "former_names": [ "Coin" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://onlycoin.com", "all_locations": "San Francisco, CA, USA", "long_description": "Coin is a consumer electronics and financial technology company bringing simplicity and security to payments. Through the Coin developer program, wearables makers now have a turnkey solution for integrating secure payments into their devices (e.g. fitness trackers, smartwatches, jewelry). Follow the company on Twitter @coin or learn more about the Coin developer program at http://developer.onlycoin.com.\n\nCoin 2.0 smart payment device\nCoin 2.0 is a secure smart device that has the form factor of a credit card, but it holds your cards in one - including your credit, debit, gift and loyalty cards. Coin 2.0 lets you swipe or tap your cards at millions of merchants across the USA. Coin 2.0 has 80%+ compatibility, partly because we use cutting-edge technology that has not yet been integrated into all point-of-sale systems. We encourage customers to carry a “backup card” given the wide variety of sales registers in the USA. While Coin 2.0 shares the same form factor as a credit card, it features enhancements such as an electronic display and a single button to allow for simple switching between different cards. With over-the-air updates, Coin 2.0 adapts to evolving payment technology, offering future-ready ubiquity in a small and powerful package. Coin's security features also keep your information safe. Auto-unlock means that only you can use your Coin 2.0 while Last Known Location helps you find your Coin 2.0 in case of loss or theft. Coin 2.0 is designed for use in the USA. To verify identify, a Social Security Number is required.\n\nWebsite: https://onlycoin.com\nVideo: https://youtu.be/gJBZMUuhUrw", "one_liner": "A mobile wallet that allows you to pay everywhere credit cards are…", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1354492879, "tags": [ "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2013", "status": "Acquired", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/coin", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2013/coin.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/coin", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 30926, "full_name": "Kanishk Parashar", "title": "Founder/CEO", "founder_bio": "cofounder/CEO Powder - AI growth platform for wealth advisors. Previously, I was cofounder/CEO of RCI Navigator. Navigator helps asset and wealth managers to pace into private assets such as VC, PE, Infra, etc. while taking risks into account. It was acquired by Addepar in Jan 2021. Navigator is used by 150+ firms including UBS and Morgan Stanley. Before that I was cofounder/CEO of Coin (YCW13). Coin was a all-in-one digital credit card that combined all your cards into one.", "is_active": false, "linkedin_url": "https://linkedin.com/in/diamondk", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6448324619fedb83cc73c7db99e7d1329e1031fc.jpg" }, { "user_id": 39771, "full_name": "Karthik Balakrishnan", "title": "Founder/CTO", "founder_bio": "PhD in Aero/Astro at Stanford\nYC W13 - Coin (acq. Fitbit)\nThen, founded \"Airbus UTM\" - air traffic control infrastructure for drones\nNow, co-founder of ACTUAL - infrastructure modeling and finance SaaS", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/kbalakri", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1918da33ed1f17d875a31ff902201b74cc0fab1d.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 523, "name": "Standard Treasury", "slug": "standard-treasury", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2abe9dfeaec3ad6a847793b2500465e6c5c2cb14.png", "website": "http://standardtreasury.com", "all_locations": "San Francisco, CA, USA", "long_description": "Standard Treasury helped banks harness the power of developers and developer ecosystems by building, hosting, maintaining, and supporting white-labeled and co-branded developer platforms for banks worldwide. Standard Treasury partner banks saw material top-line growth through the decreased cost of servicing their customers, decreased churn, and increased transaction volumes, while delivering tremendous value to their customers by allowing them to radically automate their treasury management and accounting processes.", "one_liner": "Banking APIs; acquired by Silicon Valley Bank in August 2015", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1367523391, "tags": [ "Fintech", "Payments", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2013", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/standard-treasury", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2013/standard-treasury.json", "year_founded": 2013, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/standard-treasury", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2abe9dfeaec3ad6a847793b2500465e6c5c2cb14.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 21238, "full_name": "Daniel Kimerling", "title": "Founder/CEO", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/dkimerling/", "x_url": "https://www.twitter.com/dkimerling/", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e89a4f5c437233ca5966c570f09a1e6cfc178df1.jpg" }, { "user_id": 54912, "full_name": "Brent Goldman", "title": "Founder/CTO", "founder_bio": "S13 founder of Standard Treasury, one of the first banking API platforms. Pre-IPO at Facebook and Uber. More recently focused on AI, angel investing, coaching.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/brentgoldman", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9ed4fddf5bc0f5587062540e9a4c71e6598c8b39.jpg" }, { "user_id": 1308, "full_name": "Zac Townsend", "title": "Founder/Head of Product", "founder_bio": "Zac Townsend is the CEO of Meanwhile, a startup full stack life insurer. \n\nHe built the banking startup Standard Treasury (YC S13), which he ultimately sold to Silicon Valley Bank. \n\nHe was the inaugural Chief Data Officer of California and was CTO of Newark, NJ under then Mayor Cory Booker. \n\nHe is a published statistician, and his writing has appeared in the American Banker, Financial Times, San Francisco Chronicle, San Francisco Examiner, San Jose Mercury News, Slate, and TechCrunch.\n", "is_active": false, "linkedin_url": "http://linkedin.com/in/zactownsend", "x_url": "https://twitter.com/ztownsend", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d3921e47b054b038248a0f42e61a1d7649dfcaac.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 556, "name": "Arcus", "slug": "arcus", "former_names": [ "Regalii", "Arcus (Regalii)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/aec220d04601dd15bfec9a15721da8ac54ba82b6.png", "website": "http://arcusfi.com", "all_locations": "New York City, NY, USA; Mexico City, CDMX, Mexico; Miami, FL, USA", "long_description": "Payments-as-a-service (“PaaS”) platform that enables any business to launch and offer innovative payment solutions across LatAm. Our mission is to make payments possible for everyone.\r\n\r\nWe strive to improve people’s financial health by helping our clients empower their users, giving them a better way to manage their payments.\r\n\r\nThe world’s largest and most innovative companies choose Arcus to accept and process payments across the Americas including BBVA, Santander, Walmart, 7-Eleven, and Rappi. Arcus was launched in 2013 through Y-Combinator and is backed by Ignia, Citi Ventures, Softbank, Initialized Capital, Andreessen Horowitz, Kapor Capital, among others.", "one_liner": "Payment-as-a-service that helps any business launch payment solutions", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1367523698, "tags": [ "Fintech", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2013", "status": "Acquired", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "Mexico", "America / Canada", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/arcus", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2013/arcus.json", "year_founded": 2013, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/arcusfi/?viewAsMember=true", "x_url": "https://twitter.com/arcusfi", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/regalii", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/aec220d04601dd15bfec9a15721da8ac54ba82b6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 38199, "full_name": "Edrizio De La Cruz", "title": "Founder/CEO", "founder_bio": "Edrizio is an ex Visiting Partner at YC and was the co-founder and CEO or Arcus (S'13), which was sold to Mastercard. The company grew to serve over 200 clients and processes billions of dollars annually. In 2021, the company was sold to Mastercard. Edrizio holds an MBA from The Wharton School. He was born in the Dominican Republic, grew up in Harlem and now resides in Miami. He loves comedy, hiking, writing and his 1 year old baby girl.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/edrizio-de-la-cruz-2b8ab75/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/53eb3894ef94ea5ba10436df035313d206126487.jpg" }, { "user_id": 38198, "full_name": "Juan Maldonado", "title": "Founder", "founder_bio": "Juan was the co-founder & COO/CPO of Arcus, (S' 13). A payments platform for LatAm. He helped build an international team from the ground up and manage all operations as COO; as well as head of people where he was responsible for hiring over 200+ppl. Arcus was acquired by Mastercard in 2021, he's since focused his energy on helping other fellow entrepreneurs as an advisor/Angel investor. \n\nBefore co-founding Arcus, Juan ran Michael Bloombergs financial empowerment center in NYC. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juanmaldonado2/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/731506e6c93fc9310c18605b9332d54dcb33de92.jpg" }, { "user_id": 38197, "full_name": "Iñigo Rumayor", "title": "Founder", "founder_bio": "Iñigo is the CEO of Arcus, a multi-rail payments platform, with a direct connection\nto the RTP network in Mexico (SPEI), which in 2021 became the first acquisition by Mastercard in Latin America.\nHe previously founded Regalii, a cross border bill pay platform where he held\nvarious roles including CRO and COO. Iñigo is a Mexican entrepreneur, originally\nfrom Saltillo, and holds a degree in Economics from the University of Pennsylvania.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/inigorumayor/", "x_url": "https://twitter.com/InigoRumayor", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/23df46df4a8777806b8e752ab3523e48b25856e0.jpg" } ], "jobs": [], "news": [ { "title": "Mastercard Expands Support of LatAm Real-Time Payments with Acquisition of Arcus", "url": "https://investor.mastercard.com/investor-news/investor-news-details/2021/Mastercard-Expands-Support-of-Latin-America-Real-Time-Payments-with-Acquisition-of-Arcus/default.aspx", "date": "Dec 03, 2021" } ], "launches": [] }, { "id": 572, "name": "Abacus", "slug": "abacus", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea7226636e49fe4dde4372e69139e8b1c7429ecd.png", "website": "http://abacus.com", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "Abacus is the only real-time expense management solution to reimburse your team, reconcile corporate cards, and automate your expense policy. By eliminating the month-end expense report, Abacus turns submitting and approving expenses into a delightful, collaborative experience. With our mobile app, you'll quickly submit and approve expenses on the go and reimbursements now happen within days. Abacus syncs with your accounting software and auto-matches transactions for hassle-free bookkeeping.\r\n\r\nCome work with us! We're hiring: abacus.com/about#hiring", "one_liner": "Making expense reports obsolete", "team_size": 30, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1384978557, "tags": [ "Fintech", "SaaS", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2014", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/abacus", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2014/abacus.json", "year_founded": 2014, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/abacus-labs/", "x_url": "https://twitter.com/abacus", "fb_url": "https://www.facebook.com/abacuslabs", "cb_url": "https://www.crunchbase.com/organization/abacus-labs", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ea7226636e49fe4dde4372e69139e8b1c7429ecd.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 43288, "full_name": "Omar Qari", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oqari", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fb45f22e8eb3cbc0a621b9083f06ea59055f9bbd.jpg" }, { "user_id": 8725, "full_name": "Ted Power", "title": "Founder/CPO", "founder_bio": "Co-founder of Versa (S22), former co-founder of Abacus (W14), formerly Google, Venmo, Foursquare", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tedpower/", "x_url": "https://twitter.com/tedp", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b995d7e8fed9f61379fd0e6e05582fd4ff7a6456.jpg" }, { "user_id": 12598, "full_name": "Joshua Halickman", "title": "Founder/CTO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jhalickman/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f2e2e65dfffccb3a34ae6bc4fbaf31e30cc576b5.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 682, "name": "Kash", "slug": "kash", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://withkash.com", "all_locations": "San Francisco, CA, USA", "long_description": "Kash is a San Francisco-based mobile payment company that clears transactions without interchange or card fees and is guaranteed against chargeback. The company gets rid of credit cards and middle-men that stand between bank accounts and retailers. It uses SecureDebit technology, a direct bank payment method that avoids the credit card network and allows retailers to save 2% to 5% in transaction processing fees. Kash uses its funding received from Draper Associates, Green Visor Capital, and Structure Capital to develop, market, and expand its mobile payments technology.", "one_liner": "We are fixing how money works.", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1398907814, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kash", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/kash.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/kash-2", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 39400, "full_name": "Geoff Flarity", "title": "Founder/COO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gflarity", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d4a05cbbd763cd2357a84411eca09fc30bb21ee3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 715, "name": "Payable", "slug": "payable", "former_names": [ "Tiempo" ], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://payable.com", "all_locations": "San Francisco, CA, USA", "long_description": "Payable is the easiest way to manage your external workforce. By simplifying and automating onboarding, payments, and 1099 compliance, Payable consolidates disparate and manual processes, while getting contractors paid faster! \n\nPayable is backed by Freestyle Capital, Redpoint Ventures, General Catalyst, Moment Ventures, Y Combinator, and others.", "one_liner": "Simple payments and tax compliance for your contract workforce.", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1398908077, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Acquired", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/payable", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/payable.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/payable", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 5723, "full_name": "Tad Milbourn", "title": "Founder/CEO", "founder_bio": "Founder at RankedVote (https://www.rankedvote.co)", "is_active": false, "linkedin_url": "http://linkedin.com/in/tadmilbourn", "x_url": "https://twitter.com/tadmilbourn", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c656ee215376a322dd783aa110c93d54966cd62c.jpg" }, { "user_id": 44646, "full_name": "Kyle Kilat", "title": "Founder/CPO", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/kylekilat/", "x_url": "https://twitter.com/kkilat", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a9b368c78508fb730de7a23642c14a4e5de8d4c8.jpg" }, { "user_id": 5685, "full_name": "Peter Terrill", "title": "Founder/CTO", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/peterterrill", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/64c3a28b71e633760ba3f129870e88be749ae2ab.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 721, "name": "Whirl", "slug": "whirl", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://getwhirl.com", "all_locations": "San Francisco, CA, USA; South San Francisco, CA, USA", "long_description": "Whirl's proprietary payment terminal allows customers to pay with a fingerprint in just 1 second. It is the fastest and most secure method of payment on the market, offering the security of a chip card with a nearly invisible payment experience.\n\nJust a single press to the payment terminal, and payment is complete.", "one_liner": "Pay instantly with your fingerprint.", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1398908134, "tags": [ "Biometrics", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2014", "status": "Inactive", "industries": [ "B2B", "Retail" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/whirl", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/whirl.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/whirl", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 825, "full_name": "Steve Sobel", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/stephen-sobel-1015a525", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bb168995875328f09455e245ce45782db664221f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 743, "name": "Final", "slug": "final", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a9f9365e5ac7dcefbab5bfab9129637279050427.png", "website": "http://getfinal.com", "all_locations": "San Francisco, CA, USA; Oakland, CA, USA", "long_description": "At Final, we are re-building the credit card from the ground up. \r\n\r\nFinal is issuing a credit card that gives consumers total control over their merchant relationships, transparency in their spending, and piece of mind across all payment experiences. Rather than a single, 16-digit card number, Final generates multiple card numbers and manages them automatically.\r\n\r\nIt works everywhere you buy; online, and offline, and integrates with digital wallets like Google Wallet and ApplePay with zero updates to the payment infrastructure. Bottom line - with Final, you’ll never lose access to your spending ability from a breach, fraud, cancelled or stolen card ever again.", "one_liner": "A credit card that drastically reduces payment fraud and gives…", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1415700217, "tags": [ "Payments", "Security" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/final", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/final.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/final", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a9f9365e5ac7dcefbab5bfab9129637279050427.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 18520, "full_name": "Matt Rothstein", "title": "Founder/CTO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/marothstein", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ea57d822aab0ddf8cdf46ce0aded1745d7de95f6.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 812, "name": "Glassjar", "slug": "glassjar", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://glassjar.co", "all_locations": "San Francisco, CA, USA; Mountain View, CA, USA", "long_description": "Glassjar designs and develops software that enables its users to manage their flat's shared expenses. It offers Flatting, a software product that enables its users to keep track of their flat's expenses, including flat account, flat-mates, and payments. The company offers a dashboard that provides an overview of their flat accounts, such as how much is available to spend, each person’s ledger, and summaries of their previous spending.\n\nGlassjar was founded by Matthew Galloway and George Smith in 2013; and is headquartered in Wellington, New Zealand.", "one_liner": "Clean app for check writing", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1416307421, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Inactive", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/glassjar", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/glassjar.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/glassjar", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 8951, "full_name": "George Smith", "title": "Founder/CEO", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/georgedotsmith/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dd2e67c619a553ca54ea48643fed29daff997580.jpg" }, { "user_id": 63310, "full_name": "Matt Galloway", "title": "Founder/CTO", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/mpgalloway", "x_url": null, "avatar_thumb_url": "/avatars/thumb/missing.png" } ], "jobs": [], "news": [], "launches": [] }, { "id": 818, "name": "Moltin", "slug": "moltin", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f839e103f7e1028b0f7e89364155b4822a02357c.png", "website": "https://moltin.com", "all_locations": "Boston, MA, USA", "long_description": "At Moltin, we believe that brand experiences should never be obscured by technology and that commerce development should be simple, lightweight and fun. \r\n\r\nMoltin is an API-first digital commerce solution that enables retailers to build distinctive shopping experiences and embed them into any consumer touchpoint. It combines an extremely flexible set of APIs, developer toolkits, pre-built applications and cloud infrastructure to make commerce development simple, lightweight and fast. Moltin APIs are the simplest, most powerful in the industry. Retailers can test new channels quickly, scale into new markets, and keep pace with ever-evolving consumer trends. With Moltin, commerce flows seamlessly across any channel, device and experience. \r\n\r\nMoltin has a rapidly growing community of more than 17,000 developers around the world, pushing the boundaries of traditional commerce.", "one_liner": "eCommerce building blocks through simple APIs for websites & apps.…", "team_size": 32, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1416308605, "tags": [ "Payments", "E-commerce", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2015", "status": "Acquired", "industries": [ "B2B", "Retail" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/moltin", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/moltin.json", "year_founded": 2013, "city": "Boston", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/moltin", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f839e103f7e1028b0f7e89364155b4822a02357c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 3856, "full_name": "Jamie Holdroyd", "title": "Founder/CIO", "founder_bio": "YC W15 founder, previously co-founder of Moltin, a developer-first commerce platform acquired by Elastic Path. Since then I’ve worked across fintech and auctions, building internal tooling for major financial institutions and now serving as Director of Engineering for auctions at Sotheby’s.", "is_active": true, "linkedin_url": "http://uk.linkedin.com/in/jholdroyd", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b76c8ccd38b4a217e00c505be8901a0c1d3bdd67.jpg" }, { "user_id": 2819, "full_name": "Adam Sturrock", "title": "Founder/Vice President Customer Success", "founder_bio": "I'm an ecommerce expert with over a decade of experience. Currently working at Redbrain, where I lead strategic projects that help online stores grow. I co-founded Moltin, an ecommerce API in 2013, which was later acquired in 2019.\n\nI run Retailerboost, a Shopify app that runs incremental Google shopping ad campaigns to boost sales for merchants in USA. We fund the ads upfront with our capital so zero risk for merchants. We've generated 155,000+ orders and $10+ million in revenue for merchants.", "is_active": true, "linkedin_url": "http://uk.linkedin.com/in/adamsturrock", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eb822581c2b811f1aa27550924d84023828a13ae.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 827, "name": "Razorpay", "slug": "razorpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b6a6aaf9a84fa4b7ddb53cabda7443c142a5a154.png", "website": "https://razorpay.com", "all_locations": "Bengaluru, KA, India", "long_description": "The journey of building Razorpay started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) witnessed the dismal state of the online payments industry in India then and understood that they have a larger and more important issue to solve. And That was democratizing online payments for Indian businesses, particularly the underserved market, Startups and SMEs. Over the last 9 years, Razorpay has evolved from a single-product company to a multi-product company, from an online payment gateway to India’s only full-stack financial solutions company, offering payments and banking solutions to businesses. Razorpay today is transforming age-old complexities and changing every known paradigm of money movement for disruptive businesses.\r\n\r\nOver the last couple of years, Razorpay’s growth has evolved to be an index of India’s digital economy. From a kirana shop in Kashmir collecting payments on our POS device to a textile exporter in Kanyakumari accepting dollars through our International Payments product, Razorpay has revolutionised how businesses have traditionally transacted and interacted with money. \r\n\r\nRazorpay became the first and only Indian fintech to build a full-stack international Payment Gateway ‘Curlec by Razorpay’ and evolved into a comprehensive provider of payment solutions, leveraging the synergy between cutting-edge technological capabilities and a profound understanding of the local payment ecosystem. The introduction of the new Curlec Payment Gateway aims to cater to a wide spectrum of businesses, expanding its reach to over 5,000 establishments. \r\n\r\nBe it for international expansion or solving for Indian businesses, for Razorpay, the customer has always been at the core of all disruption, from addressing evolving needs to delivering new solutions. This hyperfocus helped bring Razorpay’s several industry-first innovations into the market since 2014. Razorpay became the first to launch a completely digital on-boarding process for startups, first to launch support for UPI, first to launch support for Bharath QR, first to introduce recurring payments for businesses through Razorpay Route, automating payment receipts and later automate payouts and making the entire process seamless and optimized and many more were introduced aling the way. Other firsts include: - First to launch India’s Multi-Network Tokenisation solution, TokenHQ - Razorpay became India’s first payment gateway to support credit cards on UPI - Razorpay also became India’s largest omnichannel payment gateway for businesses post acquiring Ezetap which is India’s leading offline POS company that was founded with the aim to simplify the in-person offline payments experience.\r\n\r\nOver the years, Razorpay’s valuation has jumped from $1 billion to $7.5 billion and has added a host of marquee investors to its captable. Razorpay is also the second Indian company to be a part of Silicon Valley’s largest tech accelerator, Y Combinator. Marquee investors such as Lone Pine Capital, Alkeon Capital, TCV, GIC, Tiger Global, Sequoia Capital India, Ribbit Capital, Matrix Partners, Salesforce Ventures, Y Combinator, and MasterCard have invested a total of $741.5 Mn through Series A, B, C, D, E and F funding. The last financing round of Series F led the company’s valuation to $7.5 Billion signaling one of the fastest increases in valuation for an Indian Unicorn. \r\n\r\nRazorpay has also made acquisitions with like-minded companies over the last 9 years. In total, till date, Razorpay has made eight acquisitions, Billme in 2023 - A Digital invoice and customer Engagement, Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading loyalty and reward management platform, IZealiant in 2022 - A mobile-first, API-enabled, and cloud-ready payment solution and made its first international foray in South-East Asia by announcing its acquisition of Curlec in 2022 - A recurring payments platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions, Opfin (Now RazorpayX Payroll) in 2019 - The payroll management solution and Thirdwatch in 2019, the first acquisition - The AI-powered fraud detection platform.\r\n\r\nAll these efforts are being done in collaboration with banks, regulators, and stakeholders so that India can build a better place for small and big businesses. Today, Razorpay powers online payments for 76 Of 100 startup unicorns and millions of businesses in India. The core premise of what Razorpay was founded in 2014 and what it is today hasn’t changed. It is to make money movement simpler and easier, whether it is for businesses to receive money, send money, or manage money. \r\n\r\n", "one_liner": "India's only full-stack financial solutions company for businesses.", "team_size": 2700, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1416309883, "tags": [ "Banking as a Service", "Fintech", "Payments", "India" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Winter 2015", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "(Attributed to Harshil Mathur, CEO & CoFounder of Razorpay)I met Shashank during our time at IIT Roorkee, and our collaboration began there. We worked on numerous projects together, fueled by our shared passion for coding. In fact, many of the codes we wrote during our college days are still the backbone of Razorpay's operations today. Our bond extended beyond academics; we were instrumental in founding SDS Labs, the software development section of our alma mater. After graduation, our paths diverged geographically, with Shashank moving to the USA to join Microsoft, while I ventured to the Middle East to work with Schlumberger. Despite the distance, our friendship remained strong, and we continued to collaborate on various side projects.One pivotal moment came in 2014 when we embarked on a crowdsourcing platform project to collect online donations for a cause. However, we encountered significant hurdles with existing payment gateway systems. This experience opened our eyes to the challenges faced by Indian businesses, particularly Startups and small businesses, in accepting payments online.Determined to address this gap, we decided to establish Razorpay, driven by a mission to democratize payments for startups and SMEs. Armed with research and fueled by our passion for solving real-world problems, we set out to create a platform that offers simple, affordable, and secure payment solutions.For us, perseverance has been a way of life. We are relentless in our pursuit of identifying and solving the financial challenges faced by small businesses. Whether it's rain or shine, we push through obstacles until we find viable solutions. This resilience has been the cornerstone of Razorpay's growth, propelling us from 10,000 partner businesses in 2017 to over 5 million today." }, { "question": "How did you decide to apply to Y Combinator? What was your experience applying, going through the batch, and fundraising at demo day?", "answer": "(Attributed to Harshil Mathur, CEO & CoFounder of Razorpay)Long before we applied to YC, Shashank and I had been fans. Hacker News was our go-to source for information on building startups, and a few months after we started working on Razorpay, we saw an announcement on Hacker News about the YC application period opening up.At that point, Razorpay hadn't launched and we weren't remotely confident about getting in. The YC application process is pretty thorough; there are tough questions that force you to be crystal clear about who you are as a company. Things like how will you differentiate yourself from the competition; how will you acquire market share; how big is your market, and how big will you be in a few years from now? All of those are important questions to discuss internally, and so at a minimum, we thought applying would help us zero in on succinct, precise answers to give both of us clarity, even if we didn't get in.But thankfully our efforts paid off, and we did make the cut. When Shashank Kumar and I found out in late 2014 we'd been accepted into Y Combinator, we figured we'd need to split our time between running Razorpay in Bangalore and joining our fellow founders in Silicon Valley. It was only a few months after we had launched Razorpay and we were afraid of abandoning our customers, even for a bit, just as we were getting off the ground. Ignoring that temptation and spending the full three months of YC in Mountain View was one of the best decisions we ever made.It was a good call to stay in US and not fly back and forth to India, because if we had, we'd have missed out on the full benefit of YC — spending valuable time with the other founders in our batch, meeting successful alumni and building relationships throughout the YC community, and getting mentored by YC partners and other investors.Now, 9 years later, we couldn't be more proud to be [YC's first Indian unicorn](https://techcrunch.com/2020/10/11/razorpay-100-million-billion-valuation-unicorn/). I can honestly say that although we had to work harder during those three months than at any other time in my life, with countless 20-hour days attending YC sessions and dinners and then working late nights supporting our customers in India, I wouldn't change a thing. That's why the best advice I can give to any Indian founder considering YC is to go all in on it the same way we did. The priceless, irreplaceable learning happens when you least expect it — during a late-night drink with another founder in your batch, maybe, or in a spur-of-the-moment meeting with a YC partner. You can't say you'll do 60% or 80% of the YC program, because you can't know where 60% or 80% of YC's advantage is. So figure out how to get 100% of the benefit of it; it'll be hard, and exhausting, definitely, but you will never regret it." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "In 2014, after discovering the dismal state of online payments in India Harshil and Shashank founded Razorpay, **India’s first payment gateway built for Startups** a platform for a simple, affordable, and secure way for businesses to accept payments online. Progressing in the journey that started with payment acceptance, the company also witnessed a progressive acceptance and adoption of digital innovations. But what was surprising was while the big payment players in the market were catering to large businesses, smaller businesses needed immediate attention. In India, **MSMEs are the second largest employment-generating sector after agriculture and contribute around 31% to the nation’s GDP**. One of the major challenges for SMEs & Startups was the lack of technology infrastructure, especially for B2B payment technologies. There was a need for a comprehensive converged payment and banking solution that can help manage the entire money movement (from acceptance to disbursals) within an organisation. This particular thought gave birth to the launch of **Razorpay’s neo-banking platform, RazorpayX, and lending platform Razorpay Capital.** The company now offers a single platform for businesses to manage the entire money flow within an organization. Eight years to now, **Razorpay evolved from being a payment gateway to India’s first full-stack financial solutions company providing intelligent new-age payment and business banking solutions** to help Indian businesses address the entire length and breadth of their payment & banking journey. The company believes that for the next phase of growth in the fintech industry, payment players need to **evolve beyond offering solutions for payment acceptance to managing the entire money flow (from acceptance to disbursements and everything in between). Hence, it is of supreme importance to recognize a market (SMEs & Startups)**, identify challenges, and provide a holistic solution, at scale." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "**Razorpay is committed to building the central nervous system of digital India.** The company aims to change how payments and banking are done for small businesses in India and wants to create a benchmark for the entire world to follow. Razorpay today is India’s leading and first full-stack financial solutions company that offers both payments and banking solutions for businesses on a single platform.  The founding team always wanted to build a platform like this because of the single goal **- to help businesses spend less time managing compliance and operations and more time creating new products, pursuing new ideas, and thinking about how to scale. The company’s vision continues to produce new idea and innovation that benefits millions of businesses even today.** Overall, the company wants to help make India economically more inclusive and is making strides toward that goal. Razorpay believes It’s an exciting time of change and is creating history. Digitization is the lifeblood of any business. It impacts EVERYTHING a business does - from cash flow & hiring to credit, investment & expansion. Businesses can no longer think of digitization as an afterthought! The digital payments landscape has multiplied over the last decade. India has globally positioned itself as a benchmark in digital payments owing to its resilient payment infrastructure, market practices, and proliferation of digital payments across various segments. 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I'm always eager to help YC community and beyond.\n\nI'm also a hustler, musician, father, and a happy husband.\nMBA, J.D. by training.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/levonbrutyan", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/32f031a9cac05fc6c19ad0ac580dd8559a4a0e68.jpg" }, { "user_id": 164185, "full_name": "Max Mizotin", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/maxim-mizotin-5a073a62", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cd71a0fc53715dd6e6e82827536396b5766caf2b.jpg" } ], "jobs": [ { "id": 91859, "title": "Director of Enterprise Sales (Hybrid - San Francisco)", "url": "https://www.ycombinator.com/companies/collectly/jobs/NAemvVa-director-of-enterprise-sales-hybrid-san-francisco", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$330K - 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Investor in Mercury, Rappi, Solugen, Nowports, Jeeves, Speak and 100+ companies. 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PowerInbox was recognized as #2 in Inc. Top 30 List, #3 Deloitte Fast50 List, #4 Crains Top50 List.\n\nHe previously worked in Venture Capital and graduated with honors from Stanford University Graduate School of Business. 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Building payments for the internet of atoms. \nPersonal website: vignanv.com. Notes to self: Silly and fun things are important. Choose kindness then cleverness.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vignanv8/", "x_url": "https://x.com/vignanv8", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c280f5c87fd99df1d084e3d0695d5ea233241b85.jpg" } ], "jobs": [ { "id": 88464, "title": "Account Executive, Partnerships", "url": "https://www.ycombinator.com/companies/atob/jobs/MNWutby-account-executive-partnerships", "location": "Chicago", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$140K - $180K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": " Geotab Launches Geotab Fleet Card with AtoB", "url": "https://www.geotab.com/press-release/geotab-fleet-card/", "date": "Sep 30, 2026" }, { "title": "Murphy USA unveils new fuel cards powered by AtoB", "url": "https://finance.yahoo.com/news/murphy-usa-unveils-fuel-cards-100000472.html", "date": "Dec 01, 2025" }, { "title": "AtoB Raises $130 Million to Fuel Transportation Payments Services", "url": "https://www.pymnts.com/news/investment-tracker/2024/atob-raises-130-million-to-fuel-transportation-payments-services/", "date": "Sep 19, 2024" }, { "title": "Uber Freight offers carriers a fuel card powered by startup AtoB | TechCrunch", "url": "https://techcrunch.com/2023/04/27/uber-freight-offers-carriers-a-fuel-card-powered-by-startup-atob/", "date": "Apr 27, 2023" }, { "title": "FinTechs Put Pedal to the Metal for Trucking Payments | PYMNTS.com", "url": "https://www.pymnts.com/news/payment-methods/2022/fintechs-deliver-the-last-mile-of-real-time-trucker-payments/", "date": "Aug 23, 2022" } ], "launches": [] }, { "id": 21988, "name": "Balance", "slug": "balance", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0f140790f5129a38a1edf2e297434c283bb0ca7c.png", "website": "https://www.getbalance.com", "all_locations": "San Francisco, CA, USA", "long_description": "Balance is the easiest way for B2B marketplaces, merchants, and service providers to process payments online. We raised our last funding round from Lightspeed, Stripe, and Max Levchin to build 'Stripe for B2B'. Balance offers the first business checkout, enabling business customers to pay How they want (check, card, bank) and When they want (net terms, payment plans, invoice payments). this is achieved while the seller receives the funds instantly and easily like card payment.", "one_liner": "The first digital payment experience company, built for B2B. 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Founder of Balance, where I'm reinventing the B2B online purchase journey.\n\n\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/yoni-shuster/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b65d4cf4ea3058683d581e95b1d5a994c6378a99.jpg" } ], "jobs": [], "news": [ { "title": "Balance raises $56M to tip the one-click checkout scales in favor of B2B merchants – TechCrunch", "url": "https://techcrunch.com/2022/07/26/balance-56m-one-click-checkout-b2b-merchants/", "date": "Jul 26, 2022" }, { "title": "Balance raises $25M in a Ribbit Capital-led Series A to grow its ‘consumer-like B2B checkout platform’ – TechCrunch", "url": "https://techcrunch.com/2021/08/25/balance-raises-25m-in-a-ribbit-capital-led-series-a-to-grow-its-consumer-like-b2b-checkout-platform/", "date": "Aug 25, 2021" } ], "launches": [] }, { "id": 22152, "name": "Afriex", "slug": "afriex", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8db23c586149f6e05d32286d54acbfed108a0c15.png", "website": "https://www.afriexapp.com", "all_locations": "San Francisco, CA, USA", "long_description": "Afriex makes it easy for immigrants to send money home. 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Built natively on Square, 800+ brands use Per Diem to power more than 500,000 monthly orders as their operating system for commerce, customer retention, and growth.", "one_liner": "The AI operating system for restaurants", "team_size": 25, "industry": "B2B", "subindustry": "B2B -> Marketing", "launched_at": 1614618932, "tags": [ "Payments", "Consumer", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "B2B", "Marketing" ], "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/per-diem", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/per-diem.json", "year_founded": 2020, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tryperdiem", "x_url": "https://twitter.com/tryperdiem", "fb_url": "https://www.facebook.com/tryperdiem", "cb_url": "https://www.crunchbase.com/organization/per-diem", "github_url": "https://github.com/PerDiemInc", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/598668f38816dc5cfd50d0d695fccc6371a93877.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/92e97239f13259222ced1ad1a460ace80659d1c8.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 515359, "full_name": "Tomer Molovinsky", "title": "Founder", "founder_bio": "After building products at OpenTable and Resy, I co-founded Per Diem (YC W21) to bring Starbucks-level mobile apps to independent restaurants. We launch branded apps in hours and use AI to automate loyalty, marketing, and growth. Per Diem is now the top-rated loyalty app on Square, trusted by Oakberry, Chip City, and 500+ brands.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tomermolo", "x_url": "https://twitter.com/tomermolo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/46c783e9276012a049c24e0cd675935d3145dfc0.jpg" }, { "user_id": 437311, "full_name": "Doron Segal", "title": "Founder", "founder_bio": "Hey, I’m Doron, co-founder and CTO of Per Diem.\nPer Diem is the AI OS for brick-and-mortar businesses, giving local operators CTO and CMO as a service through ordering, loyalty, marketing, etc...\nI love building products that move from idea to real usage, especially when they help small businesses operate better.\nBefore Per Diem, I worked at Saildrone, OpenTable, Apple, Beats Music, Ubiquiti.\nI’m also a dad and traveler. Always happy to meet new people and help other YC founders where I can.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/doronsegal/", "x_url": "https://twitter.com/segaldoron", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/86795113a369405c5916cc96d6c8bcf324102a49.jpg" } ], "jobs": [ { "id": 71011, "title": "Per Diem is expending and looking for a React Native experience developer ", "url": "https://www.ycombinator.com/companies/per-diem/jobs/yTpvIRZ-per-diem-is-expending-and-looking-for-a-react-native-experience-developer", "location": "Remote", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$60K", "equity_range": "0.01% - 0.25%", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [ "Node.js", "React Native" ] }, { "id": 79335, "title": "Per Diem is expanding and looking for a Next.js experience developer", "url": "https://www.ycombinator.com/companies/per-diem/jobs/Ep5mOGJ-per-diem-is-expanding-and-looking-for-a-next-js-experience-developer", "location": "Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$60K", "equity_range": "1.00%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Node.js", "PostgreSQL", "TypeScript", "Next.js" ] } ], "news": [ { "title": "49 Most Promising Fintech Startups of 2024, According to Top Investors - Business Insider", "url": "https://www.businessinsider.com/49-most-promising-fintech-startups-according-top-vc-investors-2024#per-diem-39", "date": "Oct 03, 2024" }, { "title": "App Integrations for Your Business | Square App Marketplace", "url": "https://squareup.com/us/en/app-marketplace/learning-hub/per-diem", "date": "May 16, 2024" }, { "title": "Arm the rebels [with an app] - by Kristen Hawley - Expedite", "url": "https://www.expedite.news/p/arm-the-rebels-with-an-app", "date": "May 11, 2023" }, { "title": "Per Diem raises $2.3M to help local businesses build subscription programs – TechCrunch", "url": "https://techcrunch.com/2021/04/21/per-diem-raises-2-26m-to-help-local-businesses-build-subscription-programs/", "date": "Apr 21, 2021" } ], "launches": [] }, { "id": 22836, "name": "Fintoc", "slug": "fintoc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/27ef60db6369b4ee0c99d323d0fa1867306102b9.png", "website": "https://fintoc.com", "all_locations": "Santiago, Santiago Metropolitan Region, Chile", "long_description": "Account-to-Account payments in Mexico and Chile. 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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. 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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. 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Lawrence's family spent 3 decades in wholesale, which inspired us to build Slope. Previously, Lawrence founded Newton Technologies (acq by Nauto), which used AI to analyze smartphone data and help people drive better. Later, he led AI Platforms & Data Science at Nauto, a 200-people autonomous driving company. Lawrence is a Stanford grad, where he led and co-founded CS+Social Good, a tech for impact organization.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lawrencelm", "x_url": "https://twitter.com/LawLM", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4781d65c774c5fe5630c27ecead08f8215673dfb.jpg" }, { "user_id": 417302, "full_name": "Alice Deng", "title": "Founder", "founder_bio": "Co-founder & CPO of Slope. Previously, Alice co-founded Glisten AI (YC W20), providing e-commerce product categorization using CV and NLP. Prior to Glisten, she was a product manager at Dropbox. Alice is a UC Berkeley grad, where she led Blueprint, a tech for impact organization and was named under the Forbes 30 Under 30 list in 2023.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alicedeng/", "x_url": "https://twitter.com/alicevdeng", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f3f47ed71ba8d938a54dc0f3c7b6c816cef4d1d3.jpg" } ], "jobs": [ { "id": 111261, "title": "Senior Backend Engineer", "url": "https://www.ycombinator.com/companies/slope/jobs/O4fxXXJ-senior-backend-engineer", "location": "San Francisco / Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $250K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 115247, "title": "Senior Accountant / Accounting Manager", "url": "https://www.ycombinator.com/companies/slope/jobs/K4yJj4A-senior-accountant-accounting-manager", "location": "San Francisco / Remote (US)", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$170K - $190K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Slope Announces New Round of Funding from J.P. Morgan | by Lawrence Lin Murata | Slope Stories | Jul, 2024 | Medium", "url": "https://medium.com/slope-stories/slope-announces-new-round-of-funding-from-j-p-morgan-070b204f2ac3", "date": "Jul 17, 2024" }, { "title": "Payments Startup Slope Raises $30 Million From Sam Altman And Others To Ramp Up AI Tools", "url": "https://www.forbes.com/sites/alexyork/2023/09/27/payments-startup-slope-raises-30-million-from-sam-altman-and-others-to-ramp-up-ai-tools/", "date": "Sep 27, 2023" }, { "title": "Inside Silicon Valley Bank's bet on buy now/pay later for businesses | PaymentsSource | American Banker", "url": "https://www.americanbanker.com/payments/news/inside-silicon-valley-banks-bet-on-buy-now-pay-later-for-businesses", "date": "Sep 30, 2022" }, { "title": "Slope brings on new CFO, customers, capital as it rises to offer businesses buy now, pay later – TechCrunch", "url": "https://techcrunch.com/2022/04/15/slope-series-a-buy-now-pay-later-b2b-payments/", "date": "Apr 15, 2022" }, { "title": "Slope takes in first capital with visions of being ‘Stripe for global B2B payments’ – TechCrunch", "url": "https://techcrunch.com/2021/11/22/slope-stripe-for-global-b2b-payments/", "date": "Nov 22, 2021" } ], "launches": [] }, { "id": 23820, "name": "Blixo", "slug": "blixo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/387bbc46ef24e2458068251a26e8567f41af9908.png", "website": "https://blixo.com", "all_locations": "Miami, FL, USA; Remote", "long_description": "Blixo is an all-in-one replacement for things like subscription management, invoicing, collections, and cash application software.\r\n\r\nBlixo improves conversion rates, increases average order size, drives subscriber loyalty, collects unpaid bills, speeds up cashflow, and is the single source of truth for reconciled real time revenue data.", "one_liner": "Accounts receivable automation to help companies get paid faster ", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1626374878, "tags": [ "Fintech", "SaaS", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "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/blixo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/blixo.json", "year_founded": 2020, "city": "Miami", "country": "US", "linkedin_url": "https://www.linkedin.com/company/blixo/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/387bbc46ef24e2458068251a26e8567f41af9908.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 522731, "full_name": "Danilo Stern-Sapad", "title": "Founder", "founder_bio": "Launched several multimillion dollar businesses—one made hundreds of millions in revenue, one made millions in the first year alone and grew to tens of millions in revenue after two years, and another was acquired in less than one year. Was also part of the founding team of the most popular legal website on the Internet and created one of the most played online games in the world while still in high school, garnering over 40 million visitors per month.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/danilosapad/", "x_url": "https://twitter.com/danilosapad", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8a3320d1cdaffb3ef5961a5e31ebe2c76a74c7cf.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 23948, "name": "Superwall", "slug": "staffbar", "former_names": [ "Share That", "StaffBar" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4505819ade5550ec16c605c15c7ccf142d096de.png", "website": "https://superwall.com", "all_locations": "New York City, NY, USA", "long_description": "Superwall is a complete, standalone subscription platform for consumer mobile and web apps — backend infrastructure (entitlements, purchase APIs with server-side receipt validation, standardized webhooks, real-time revenue analytics, direct SQL access to subscription data) together with a no-code paywall and experimentation engine, and first-class tooling for AI coding agents. Superwall manages $1.6B+ in annual subscription revenue across 10,000+ apps. The infrastructure layer is free at any scale; the only meter on the platform is revenue that converts through a Superwall-rendered paywall — subscriptions sold anywhere else are never billed.\r\n\r\n**Standalone backend:** The highest-revenue apps on Superwall like Cal AI — run their **entire subscription stack on Superwall alone: no second backend, no other subscription platform underneath**. Entitlement state is computed server-side from App Store Server Notifications V2 and Google Play Real-Time Developer Notifications, delivered by Apple and Google directly to Superwall. The largest single app runs **$43.7M ARR entirely on Superwall**; the top 10 together represent $134M+ in annual subscription revenue. Apps that previously ran a different subscription backend complete an automated migration — subscription history, entitlement state, webhook configuration — and run on Superwall alone from then on; imported subscribers are never billed.\r\n\r\n**Pricing:** The subscription infrastructure — entitlements, receipt validation, webhooks, analytics, SQL access — is free at any scale, with no revenue threshold and no per-event fees. The paywall product is free up to $10k/month in paywall-attributed revenue, then 1% of paywall-attributed revenue, and only that revenue: an app with $50k/month in subscriptions and no Superwall paywalls in use pays $0/month for the entire platform, and revenue the platform didn't help earn is never billed. Compared with charging a percentage of all subscription revenue, the difference is the base, not the rate.\r\n\r\n**Coverage:** Apple App Store, Google Play, and Stripe — including web checkout, external browser checkout from iOS paywalls (App2Web), and products from any external billing system via Custom Store Products. Monetization models: auto-renewing subscriptions, free trials and intro offers, one-time purchases, lifetime unlocks, and consumables. SDKs: iOS & Apple platforms, Android, React Native, Flutter, Expo, Unity, and Web — all open source on [GitHub](https://github.com/superwall). Not just for engineers: growth, product, support, and data teams run monetization from the dashboard, analytics, and SQL access day to day.\r\n\r\n**What Superwall does not do:** It does not process payments — Apple, Google, and Stripe do. It does not run virtual-currency or coin-ledger systems, does not track ad revenue, and does not support Amazon or Roku storefronts. For consumer subscription apps on iOS, Android, and the web, it covers the monetization surface end to end.\r\n\r\n**Experimentation:** Superwall's published research spans 100M+ analyzed paywall views and 4,500+ paywall A/B tests: multi-page onboarding paywalls convert 37% better than single-page (40M+ opens measured), Cal AI ran 123 experiments and grew monthly revenue 3x+ in 10 months, Planner 5D lifted revenue per user 83% through price testing. Build, target, test, and ship paywalls from the dashboard with no app release.\r\n\r\n**Retention:** Free trial reminders, cancellation and decline surveys, transaction-abandon recovery offers, win-back paywalls targeted by subscription state, Apple Retention Messaging on the iOS cancel screen, automated refund protection, and a per-customer timeline for support.\r\n\r\n**Agent tooling:** Open-source agent skills for Claude Code, Codex, and other coding agents; an editor MCP server for building live paywalls from the terminal; an embedded dashboard CLI; and direct SQL access to subscription data via the Query API.", "one_liner": "Subscription infrastructure & paywall experimentation for mobile apps", "team_size": 25, "industry": "B2B", "subindustry": "B2B -> Engineering, Product and Design", "launched_at": 1628553410, "tags": [ "Developer Tools", "Payments", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B", "Engineering, Product and Design" ], "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/staffbar", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/staffbar.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/superwall/", "x_url": "https://twitter.com/Superwall", "fb_url": null, "cb_url": null, "github_url": "https://github.com/superwall", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4505819ade5550ec16c605c15c7ccf142d096de.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 683613, "full_name": "Brian Anglin", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/anglinb/", "x_url": "https://twitter.com/BriansAngles", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c043db2ddde35d70144b7562ae9f3bf90d2e5f4f.jpg" }, { "user_id": 115099, "full_name": "Jake Mor", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jake-mor-3b397392/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/98a7da64e7926b3cf80f10f3c107b4634cb7f3bf.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 23953, "name": "Hive Health", "slug": "hive-health", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2373edb1dc8e6a513434fa0240f39eb4b143a3be.png", "website": "https://www.ourhivehealth.com", "all_locations": "Manila, NCR, Philippines", "long_description": "", "one_liner": "Simplified digital health insurance for Filipino SMBs", "team_size": null, "industry": "Healthcare", "subindustry": "Healthcare", "launched_at": 1627916419, "tags": [ "Fintech", "Payments", "Telehealth", "Digital Health", "Health Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Healthcare" ], "regions": [ "Philippines", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/hive-health", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/hive-health.json", "year_founded": 2021, "city": "Manila", "country": "PH", "linkedin_url": "https://www.linkedin.com/company/our-hive-health", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2373edb1dc8e6a513434fa0240f39eb4b143a3be.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 525833, "full_name": "Camille Ang", "title": "Founder", "founder_bio": "CEO, Co-Founder at Hive Health", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/camille-ang-19224647/", "x_url": "https://twitter.com/camilletanang", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ccf01cd62e6415e498336850386e10a3b3185b2b.jpg" } ], "jobs": [], "news": [ { "title": "Transforming Healthcare Access for SMEs: Announcing our $6.5M raise | Hive Health", "url": "https://www.ourhivehealth.com/blog/hive-health-pre-series-a-fundraising-2024", "date": "Jul 29, 2024" } ], "launches": [] }, { "id": 24037, "name": "Levro", "slug": "levro", "former_names": [ "Novo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c701b2b04808644316217d356d3d16dfbf3e281.png", "website": "https://www.levro.com", "all_locations": "San Francisco, CA, USA", "long_description": "Levro is a multicurrency account and global payments platform for businesses. We help US & international companies hold, convert, and pay 30+ currencies. Our exchange at rates are 40-90% lower than banks and FX services like Wise. We also offer free currency risk management, recipient onboarding, automated multicurrency reconciliation, and wire tracking.\r\n\r\nIf you have international customers, employee payroll, vendors, or bulk payouts to different countries please send us a note! founders@levro.com", "one_liner": "Multicurrency account & international payments for businesses", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1626366454, "tags": [ "Fintech", "Payments", "Finance", "B2B", "International" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Abeer & Cathy were batchmates from YC W14!" } ], "url": "https://www.ycombinator.com/companies/levro", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/levro.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/levro/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3c701b2b04808644316217d356d3d16dfbf3e281.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 5629, "full_name": "Cathy Han", "title": "Founder", "founder_bio": "Cathy Han is the Co-founder & CEO of Levro, a multicurrency neobank for businesses. Levro provides US accounts that hold up to 34 currencies to help companies pay teams, vendors, and receive revenue from customers internationally.\n\nPrior to Levro, Cathy co-founded 42 Technologies (YC W14), a big data company with retail customers around the globe. Cathy holds a Finance degree from the University of British Columbia & MBA from Harvard Business School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cathyhan/", "x_url": "https://twitter.com/cathyxhan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce94c45f2ad3be10953efcc9eaa603b08dd0d0ca.jpg" }, { "user_id": 466, "full_name": "Abeer Agrawal", "title": "Founder", "founder_bio": "Prior to Levro, Abeer was the Co-founder & CTO of Theorem (YC W14), a machine learning enabled hedge fund which he built to over $1bn+ in AUM. Abeer holds degrees in Electrical & Computer Engineering and Computational Finance from Carnegie Mellon University. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abeera/", "x_url": "https://twitter.com/abeerag", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b1c11e9cdc5a6d8c029444e601da4dec320e0d60.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24158, "name": "Forage", "slug": "forage-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/23991b3eac1d06368b01c2f9ce5b893ba315f039.png", "website": "http://www.joinforage.com", "all_locations": "San Francisco, CA, USA", "long_description": "Forage is a mission-driven payments company that helps businesses accept government benefits through a single, unified API. Today, over 42 million Americans receive government assistance (ex: Supplemental Nutrition Assistance Program, or SNAP) to buy groceries. Starting with enabling EBT SNAP online, Forage builds the financial infrastructure empowering businesses to serve these shoppers online.", "one_liner": "Payments powering people", "team_size": 66, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1624983119, "tags": [ "Fintech", "GovTech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Forage addresses the complexity merchants and retailers face in accepting EBT payments online and in-store. This issue trickles down to the over 42 million Americans who rely on SNAP benefits for groceries. By providing a unified API, Forage simplifies the process for merchants, expanding access to groceries and ultimately feeding this underserved population." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Forage envisions a world where equal access to groceries is table stakes, regardless of one's socioeconomic status. By streamlining the acceptance of government assistance payments and helping SNAP shoppers save on groceries, Forage aims to empower merchants and consumers alike to foster a more inclusive economy.​" } ], "url": "https://www.ycombinator.com/companies/forage-2", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/forage-2.json", "year_founded": 2020, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/foragepayments/", "x_url": "https://twitter.com/joinforage", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/forage", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/23991b3eac1d06368b01c2f9ce5b893ba315f039.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1dbd255f2d77c79ada5f26bb63e9b34e1ce2a014.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 431624, "full_name": "Victor E. 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With Truss, construction companies can manage bill payments, receivables, and corporate cards in one place. They can save time on manual data entry by integrating Truss with their existing tools and automating the full billing cycle, from invoicing and reconciliation.", "one_liner": "Truss is a banking and payments network for blue-collar trades.", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Banking and Exchange", "launched_at": 1627059715, "tags": [ "Fintech", "Payments", "Construction" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Banking and Exchange" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/truss", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/truss.json", "year_founded": 2019, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/trusspayments", "x_url": "https://twitter.com/truss_payments", "fb_url": "https://facebook.com/trusspayments", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d3f982deac62cf40f505362f3a6405c4b5190460.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": 269042, "full_name": "matthew smith", "title": "Founder/CEO", "founder_bio": "Love building cool software.\n- ReactJS\n- Design/UX\n- Banking Infrastructure\n- Banking tech\n- Payments\n- MSB Compliance (Canada)\n- Pitching\n- Team motivation\n- Rock climbing\n- Fun\n- Fun\n- Fun", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/matthew-smith250/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/14f76fd7ab110fae31b0234a775d52896e5ef3a1.jpg" } ], "jobs": [ { "id": 110898, "title": "Senior Risk Analyst", "url": "https://www.ycombinator.com/companies/truss/jobs/sYL9Qgg-senior-risk-analyst", "location": "Austin, TX, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$110K - $140K", "equity_range": "0.01% - 0.10%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 115778, "title": "Junior Compliance Analyst", "url": "https://www.ycombinator.com/companies/truss/jobs/jgKiRY1-junior-compliance-analyst", "location": "Austin, TX, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$65K - $85K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 24379, "name": "Formance", "slug": "formance", "former_names": [ "Goldilocks", "Numary (ex Goldilocks)", "Numary", "Formance (fka Numary)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d2bd98c7cb8de435d88c71bda24056e4db21bc5f.png", "website": "https://formance.com", "all_locations": "Paris, Île-de-France, France", "long_description": "Formance Platform is building open-source infrastructure for the next wave of financial services. It enables fintech engineers to build and operate complex flow of funds, weaving together multiple payment rails with internal ledger accounts.\r\n\r\ngithub.com/formancehq/stack", "one_liner": "Open Source Infrastructure for the Financial Internet", "team_size": 33, "industry": "B2B", "subindustry": "B2B", "launched_at": 1626469942, "tags": [ "Developer Tools", "Fintech", "Payments", "B2B", "Open Source" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "B2B" ], "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/formance", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/formance.json", "year_founded": 2021, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/formancehq", "x_url": "https://twitter.com/formancehq", "fb_url": null, "cb_url": null, "github_url": "https://github.com/formancehq", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d2bd98c7cb8de435d88c71bda24056e4db21bc5f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 144945, "full_name": "Clément Salaün", "title": "Founder", "founder_bio": "Founder of Formance, making complex payments workflows work. Previously @Selency.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/clementsalaun", "x_url": "https://www.twitter.com/superzamp", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a9edd44c138e38c03fe18aae327a4f161b5ad5d0.jpg" } ], "jobs": [ { "id": 69470, "title": "Senior Software Engineer ", "url": "https://www.ycombinator.com/companies/formance/jobs/C2HMJfN-senior-software-engineer", "location": "Paris, IDF, FR / Remote (FR)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "€60K - €90K EUR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 85244, "title": "Senior Account Executive (NYC)", "url": "https://www.ycombinator.com/companies/formance/jobs/ovlW1Xn-senior-account-executive-nyc", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$150K - $300K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 85245, "title": "Business Development Representative", "url": "https://www.ycombinator.com/companies/formance/jobs/M2Vc5Mh-business-development-representative", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$95K - $110K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 85248, "title": "Solutions Engineer", "url": "https://www.ycombinator.com/companies/formance/jobs/ISOaDNE-solutions-engineer", "location": "London, England, GB / Remote (GB)", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "£90 - £95 GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Formance raises $21M to build the AWS for fintech infrastructure | TechCrunch", "url": "https://techcrunch.com/2025/01/29/formance-raises-21-million-to-build-the-aws-of-fintech-infrastructure/", "date": "Jan 29, 2025" }, { "title": "French fintech Formance secures €2.9 million to help companies build and track payment flows | EU-Startups", "url": "https://www.eu-startups.com/2022/06/french-fintech-formance-secures-e2-9-million-to-help-companies-build-and-track-payment-flows/", "date": "Jun 20, 2022" } ], "launches": [ { "id": 64456, "title": "💸 Formance: Open, modular foundation for unique payment flows", "tagline": "Build, operate and track money movements of any size and shape on a solid and open-source system-of-record (ledger)", "body": "Hi everyone!\n\nWe’re developing an open-source solution to enable fintechs, marketplaces and platforms to build, operate and track money movements of any size and shape on a solid system-of-record (also known as a financial ledger)\n\n**✌️ Check out our main Github repository here:** [**https://github.com/numary/ledger**](https://github.com/numary/ledger\\*\\*)\n\n## **The problem**\n\nFintechs, marketplaces, and platforms growth is closely tied to their ability to:\n\n1. Process an increasing volume of transactions, and\n2. Implement competitive payment scenarios, which can become increasingly complex, e.g. complex commission models, improved time-to-money and creative payout schedules, embedded fractional ownership of various investment assets, omnibus accounts and the likes.\n\nEngineering teams spend valuable time building themselves these money flows and the way they are broken down; then making them evolve according to the development and the strategy of the company. Additionally, tracking and reconciliating these flows from pay-ins to payouts quickly upgrades itself from an small annoyance to a _did-we-lost-10millions-type-of-problem™️_\n\nFormance is tackling this particular segment in the payment value chain which is still painful for engineering teams, yet critical: the break-down and tracking of money between inflows and outflows.\n\n## **The solution**\n\n**✌️ Check out our main Github repository here:** [**https://github.com/formancehq/stack**](https://github.com/numary/ledger\\*\\*)\n\nFormance solution is based on four products designed to **improve your economics, save time and limit costly errors:**\n\n**1/ A simple and open-source programming language for money**: designed for engineering and payments teams, this low-code language enables the creation of reliable and unique payment scenarios in a few hours, rather than days, without any particular technical expertise related to payments;\n\n![uploaded image](/media/?type=post&id=64456&key=user_uploads/144945/882aa901-0827-41c2-9dfc-4fecdbe29c8d)\n\n**2/ Pre-built and extendable use-case templates**: these templates allow to quickly implement new business strategies or product features, check them out here: \n\n![uploaded image](/media/?type=post&id=64456&key=user_uploads/144945/731eced2-67fb-4c65-8762-26d0214a61d3)\n\n**3/ An open-source financial ledger**: working in tandem with our language and designed for reliability, this immutable system-of-record enables the track financial flows that move value through various merchants, intermediaries, parties and the extraction of data for business analysis and decision-making\n\n**4/ Real-time transaction tracking tools**: designed for finance and operations teams, these tools enable the reconciliation of pay-ins and payouts, and the identification of issues related to transactions.\n\n![uploaded image](/media/?type=post&id=64456&key=user_uploads/144945/037dee85-7949-4b3a-85bd-3156b0285bdf)\n\nWe believe that open-source and low-code go hand-in-hand with the diversity of money flows, payment scenarios and strategies that will make your company win.\n\n**🤙 Ping us anytime, we’re always more than happy to help and have a chat!**\n\n→ **Schedule a call here**: \n\n→ **Drop us an email**: [founders@formance.com](mailto:founders@formance.com)\n\n→ **Check out use-cases library**: \n\n→ **Download Formance Open Source Main Repo**: [**https://github.com/formancehq/stack**](https://github.com/numary/ledger)", "url": "https://www.ycombinator.com/launches/Glc-formance-open-modular-foundation-for-unique-payment-flows", "votes": 23, "created_at": "2022-07-08T10:26:05.510Z" } ] }, { "id": 24539, "name": "HitPay", "slug": "hitpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4b949ac3131bfb2ed68d424a5df1c9a1eea5c64.png", "website": "https://www.hitpayapp.com", "all_locations": "Singapore, Singapore", "long_description": "HitPay is a full-stack payments infrastructure platform for growing businesses in APAC. Founded in 2016 and headquartered in Singapore, HitPay unifies e-commerce, point-of-sale, and B2B payments — cards, PayNow, QR, digital wallets, and local rails — into a single platform, so merchants can accept, send, and reconcile money across the region from one account. More than 15,000 businesses use HitPay, which has saved SMEs over US$35M in fees (Trustpilot 4.4/5). 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I studied Mathematics at the University of Nottingham.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/feed/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/48fd3e960a3c81155ee2c59b0ddb428e1186cc1c.jpg" } ], "jobs": [], "news": [ { "title": "Starting in war-torn Sudan, YC-backed Elevate now provides fintech to freelancers globally | TechCrunch", "url": "https://techcrunch.com/2024/06/06/once-serving-war-torn-sudan-elevate-now-services-other-emerging-markets/", "date": "Jun 06, 2024" }, { "title": "Y Combinator-backed Elevate enters Pakistan, aims to resolve freelancers’ payment woes - Technology - Business Recorder", "url": "https://www.brecorder.com/news/40285044", "date": "Jan 22, 2024" } ], "launches": [] }, { "id": 25279, "name": "Drama Drama", "slug": "drama-drama", "former_names": [ "Take1 Financial", "Muse Card", "OnScale", "Muse - OnScale", "Moots AI", "Moots" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c317c036345682d427208c925256d74c3cc72666.png", "website": "https://dramadrama.ai/", "all_locations": "New York City, NY, USA", "long_description": "Drama Drama is building the monetization platform for AI character and drama creators.\r\n\r\nCreators are already building AI characters and serialized stories that attract audiences on TikTok, Instagram, YouTube and other social platforms, but turning that fandom into direct revenue is still difficult.\r\n\r\nDrama Drama lets creators monetize their existing characters and series through gated episodes, paid AI character chat across text, voice and video, personalized fan experiences and other direct-to-fan products.\r\n\r\nCreators can bring the content and audience they already have. For selected creators who want help producing a series, we also offer optional co-production.", "one_liner": "Monetization platform for AI characters and dramas", "team_size": 2, "industry": "Consumer", "subindustry": "Consumer -> Content", "launched_at": 1644842544, "tags": [ "Payments", "Entertainment", "Advertising", "Creator Economy", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Consumer", "Content" ], "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/drama-drama", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/drama-drama.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/dramadrama", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c317c036345682d427208c925256d74c3cc72666.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 75119, "full_name": "Tonjé Bakang Tonje", "title": "Founder/CEO", "founder_bio": "Founder & CEO at Drama Drama, the #1 monetization platform for AI character & drama creators.\nSecond time YC founder. Former CEO at Afrostream (Netflix for Africa) and scaled the business operations to 28 countries. \n\n\n\n", "is_active": true, "linkedin_url": "http://fr.linkedin.com/in/tonjebakangtonje", "x_url": "https://twitter.com/tonjebakang", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f638afa4323dabc3c1804aa21edf4bb80c8f4d65.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25304, "name": "Kapital Bank", "slug": "kapital-bank", "former_names": [ "Kapital" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e7631cd35e1333e5d0030032021c458ed7fc190.png", "website": "https://www.kapital.mx", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Cash management solution that offers debit & credit solutions for Enterprise/SMBs in LATAM. \r\n- 24/ Multi-treasury: FX, multiple debit global accounts, payroll & services payment to all the world 24/, wires\r\n- Corporate Expenses: dashboard and prepaid cards to control your employee's budget & expenses\r\n- Credit Card: flexible global line where you can decide to use it as a revolving line or as a simple amortizable credit in installments. ", "one_liner": "Empowering businesses to grow. ", "team_size": 3600, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1642007431, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kapital-bank", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/kapital-bank.json", "year_founded": 2020, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/kapital-mx/", "x_url": "https://twitter.com/KapitalMexico", "fb_url": "https://www.facebook.com/KapitalMX", "cb_url": "https://www.crunchbase.com/organization/kapital-smartbank/company_financials", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0e7631cd35e1333e5d0030032021c458ed7fc190.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 775282, "full_name": "Rene Saul", "title": "Founder", "founder_bio": "I CREATE AND EXPAND THE IDEAS", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rene-saul-5044aa25/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b3f14e347bceeaa4dd12968ffc7abd6fe1f48f8f.jpg" }, { "user_id": 793064, "full_name": "Fernando Sandoval Oseguera", "title": "Founder", "founder_bio": "I am a person with an innovative spirit and passion for business & technology. I have more than 10 years of experience working in the financial & consulting industries. I love innovation and ideating, but more importantly, I structure and execute the ideas. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fernando-sandoval-oseguera-/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0dd6d75d6a1b8840655c931bbb041e57dde61118.jpg" } ], "jobs": [], "news": [ { "title": "Fintech Kapital obtiene autorización inicial para un banco en Colombia", "url": "https://www.bloomberglinea.com/latinoamerica/mexico/fintech-kapital-obtiene-autorizacion-inicial-para-un-banco-en-colombia/", "date": "Oct 19, 2026" }, { "title": "Kapital gets more of its own capital to help LatAm businesses monitor cash flow | TechCrunch", "url": "https://techcrunch.com/2023/05/25/kapital-business-cash-flow-latam-fintech/", "date": "May 25, 2023" }, { "title": "Kapital obtiene 30 mdd para crecer en México y Colombia", "url": "https://www.forbes.com.mx/kapital-obtiene-30-mdd-para-crecer-en-mexico-y-colombia/", "date": "Jul 07, 2022" } ], "launches": [] }, { "id": 25315, "name": "Rebill", "slug": "rebill", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac317d3596d742abd3e551f40119a6ba9a7f3d40.png", "website": "https://www.rebill.com", "all_locations": "Buenos Aires, CABA, Argentina", "long_description": "Rebill is the financial infrastructure platform for the Americas.\r\n\r\nThe companies shaping software, AI, travel, and digital services use Rebill to operate across Brazil, Mexico, Argentina, Colombia, Chile, and the United States.\r\n\r\nRebill brings local payments, installments, recurring billing, stablecoin rails, treasury, global payouts, and financial operations into one platform built for how money actually works across the Americas.\r\n\r\nEvery market is different. Rebill makes the infrastructure consistent. Engineering, finance, and operations teams can manage local currency acceptance, market-specific payment behavior, funds, and financial workflows from the same platform.\r\n\r\nCompanies can launch in Latin America in as little as a day and expand across markets without rebuilding their financial stack country by country.\r\n\r\nBuilt locally. Designed to scale globally.", "one_liner": "Financial infrastructure for the Americas", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1645553649, "tags": [ "Fintech", "SaaS", "Payments", "B2B", "Subscriptions" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Argentina", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Rebill started from a clear problem: companies wanted to sell in Latin America, but payments were too fragmented to scale efficiently. Approval rates were weak, local methods were missing, subscriptions were hard to manage, and every country required a different setup.\r\n\r\nWe began by solving that pain directly, helping merchants collect more effectively across the region. As we went deeper, it became obvious that the real gap was not just billing software, but infrastructure. Companies needed a single platform that could abstract away local complexity and let them operate across markets with speed.\r\n\r\nThat is how Rebill evolved from solving recurring payments into building payments infrastructure." }, { "question": "How did you decide to apply to Y Combinator? What was your experience applying, going through the batch, and fundraising at demo day?", "answer": "We applied to YC because we were building in a category with a much bigger opportunity than people usually assumed. We did not want to build a regional tool. We wanted to build infrastructure with global relevance.\r\n\r\nYC helped us sharpen the story, move faster, and think much more clearly about category, ambition, and execution. It pushed us to simplify the message and focus on what truly mattered.\r\n\r\nThe batch and Demo Day helped us position Rebill as a company solving a fundamental infrastructure problem, starting with LATAM and expanding beyond it." }, { "question": "How have you kept in touch with the YC community and continued to use YC resources & programs since the batch ended?", "answer": "We stay active in the YC community through Bookface, founder relationships, and ongoing use of YC resources across fundraising, hiring, product, and tactical problem solving.\r\n\r\nWhat continues to matter most is access to founders who are building with intensity and clarity. YC remains part of our operating environment, not just part of our history." }, { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "Rebill started by addressing recurring billing and payment problems for companies operating in Latin America. Early on, we focused on helping merchants navigate subscriptions, collections, and the operational complexity of the region.\r\n\r\nThe first major inflection point was realizing that software alone was not enough. The deeper problem was payment infrastructure itself: local rails, local methods, acquiring, recovery, and settlement.\r\n\r\nThe second major inflection point came when we moved closer to the rails and began building direct infrastructure instead of depending only on third parties. That changed the economics, product depth, and strategic value of the business.\r\n\r\nToday, Rebill is building a broader payments infrastructure layer for LATAM and the US, with the long-term goal of becoming the financial infrastructure for underserved markets." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "The core problem is that companies expanding across LATAM and similar markets face fragmented payment infrastructure.\r\n\r\nThey need local methods, better conversion, subscription support, transparent settlement, and a fast path to launch, but the market is still dominated by patchwork solutions, slow enterprise processes, and country-by-country complexity.\r\n\r\nThis is a big problem because payment performance directly affects growth. Poor infrastructure means lower approval rates, less access to local demand, slower launches, and lost revenue.\r\n\r\nWe decided to work on it because we saw firsthand how large the gap was and how few companies were actually productizing a solution that developers and operators could use quickly." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Our long-term vision is to build the financial infrastructure layer for underserved markets.\r\n\r\nWe are starting with payments in LATAM and the US because that is where companies feel the pain most immediately: collecting money, scaling across markets, and doing it without operational chaos. Over time, we want to make entering complex markets as simple as launching in the most developed ones.\r\n\r\nIf we succeed, companies will no longer need to assemble fragmented providers, local entities, and manual workflows just to operate internationally. They will integrate once and scale across markets through infrastructure that makes difficult geographies feel simple." } ], "url": "https://www.ycombinator.com/companies/rebill", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/rebill.json", "year_founded": 2020, "city": "Buenos Aires", "country": "AR", "linkedin_url": "https://www.linkedin.com/company/rebill", "x_url": "https://twitter.com/rebillteam", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/rebill-inc", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac317d3596d742abd3e551f40119a6ba9a7f3d40.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 43569, "full_name": "Nahuel Candia", "title": "Founder/CEO", "founder_bio": "Nahuel is the Founder and CEO of Rebill, building financial infrastructure for global companies in LATAM and the US.\nHe is an MIT-recognized entrepreneur who built 3 companies before 30.\nDeveloper since 14, he remains highly hands-on across product, engineering, and execution.\nBefore Rebill, he founded Shovel Apps and was CTO of Ando.la, later acquired by Moova.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nahuelcandia/", "x_url": "https://twitter.com/dncandia", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3e324ec6481088e92fa92133c49f2dcc6d2ecedd.jpg" }, { "user_id": 598544, "full_name": "Ariel Diaz Ailan", "title": "Founder", "founder_bio": "Building the financial infrastructure platform for the Americas at Rebill. We help global software, AI, travel, and digital services companies operate across Latin America and the US with local payments, billing, treasury, and payouts. 16 years in e-commerce, 12 in software, and 6 in fintech. Happy to compare notes on payments, financial infrastructure, and international expansion.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/diazailan", "x_url": "https://www.twitter.com/diazailan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e32bb55f229b15c068f957c5f94b28f13fec07bc.jpg" } ], "jobs": [ { "id": 109740, "title": "VP of Sales", "url": "https://www.ycombinator.com/companies/rebill/jobs/3xYpdc9-vp-of-sales", "location": "Miami, FL, US / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$90K - $120K", "equity_range": "0.30% - 0.60%", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 109741, "title": "Head of Growth", "url": "https://www.ycombinator.com/companies/rebill/jobs/rNjIwYH-head-of-growth", "location": "Miami, FL, US / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$100K - $160K", "equity_range": "0.30% - 0.50%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 109742, "title": "Head of Engineering", "url": "https://www.ycombinator.com/companies/rebill/jobs/HOM79GY-head-of-engineering", "location": "Miami, FL, US / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote", "type": "Full-time", "role": "Engineering", "role_type": "Engineering manager", "salary_range": "$120K - $180K", "equity_range": "0.30% - 0.50%", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 113402, "title": "Head of Marketing, B2B Payments", "url": "https://www.ycombinator.com/companies/rebill/jobs/4zDmYmC-head-of-marketing-b2b-payments", "location": "Miami, FL, US / Buenos Aires, Buenos Aires, AR / Bogotá, Bogota, CO / Remote (Mexico City, CDMX, MX; Mexico City, Mexico City, MX; São Paulo, SP, BR; São Paulo, São Paulo, BR)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$90K - $140K", "equity_range": "0.30% - 0.50%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Una startup argentina de pagos online conquistó a ejecutivos de SpaceX y cerró una nueva ronda: ya levantó u$s 9 millones", "url": "https://www.cronista.com/negocios/una-startup-argentina-de-pagos-online-conquisto-a-ejecutivos-de-spacex-y-cerro-una-ronda-por-us-54-millones/", "date": "Oct 19, 2026" }, { "title": "Francisco León se une a Rebill como Co-Founder y Chief Strategy Officer para escalar la nueva generación de pagos en América Latina", "url": "https://www.latamfintech.co/articles/francisco-leon-se-une-a-rebill-como-co-founder-y-chief-strategy-officer-para-escalar-la-nueva-generacion-de-pagos-en-america-latina", "date": "Jul 29, 2025" }, { "title": "Rebill.com launches 1-Click Checkout  - LatamList", "url": "https://latamlist.com/rebill-com-launches-1-click-checkout/", "date": "Mar 26, 2024" }, { "title": "Rebill launches cross-border payment gateway - LatamList", "url": "https://latamlist.com/rebill-launches-cross-border-payment-gateway/", "date": "Dec 07, 2023" }, { "title": "La startup latina Rebill recaudó $3.6 millones de dólares con participación de inversionista de Facebook, LinkedIn y Spotify", "url": "https://www.entrepreneur.com/es/finanzas/la-startup-latina-rebill-recaudo-36-millones-de-dolares/434623", "date": "Sep 02, 2022" } ], "launches": [] }, { "id": 25444, "name": "Touch and Pay Technologies Limited", "slug": "touch-and-pay-technologies-limited", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6f64b367d90d1c85b406160b1ee725d340e272ae.png", "website": "https://touchandpay.me/", "all_locations": "Lagos, LA, Nigeria", "long_description": "We process cash-based microtransactions across Africa's informal sector, an example of microtransaction is payment for bus rides today we help over 300k people make this payment.", "one_liner": "Digitizing and processing Microtransactions in Africa", "team_size": 55, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1642780792, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/touch-and-pay-technologies-limited", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/touch-and-pay-technologies-limited.json", "year_founded": 2019, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/touchandpay-technologies-ltd", "x_url": "https://twitter.com/touchandpayme", "fb_url": "https://www.facebook.com/touchandpayme", "cb_url": "Touch and pay technologies Limited", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6f64b367d90d1c85b406160b1ee725d340e272ae.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 208336, "full_name": "Olamide Afolabi", "title": "Founder", "founder_bio": "Very interested in Machine Learning algorithms and cyber security. Background in Engineering, with a Bachelor of Technology (BTech), in Mechanical Engineering from the Ladoke Akintola University of Technology. I have interests in the Internet of things, Artificial intelligence, and Robotics.\n\nOn the side, I love human psychology and understanding what makes humans tick. A lateral thinker who also uses a minimalist approach in every complex problem.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/afolabi-olamide-08847919/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/33aa718ffb0b094f755e84b94ab044667bde58db.jpg" }, { "user_id": 210866, "full_name": "Michael Oluwole", "title": "Founder", "founder_bio": "Had always passion for solving problems and finding smart ways to do to and tech seams like the right path. Background in Mechanical Engineering, developed business process and project management skills.\n\nMy role, is simple how do we support the wow Ideas in with actual business models", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/oluwole-michael-10992362/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/adcf6dcfbe42ef99a2c037a7de536cbd0769a733.jpg" }, { "user_id": 212251, "full_name": "kabir Yabo", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kabiru-yabo-401073112/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7af50c4367d2ac69b3e76280c0535a36fdd86a72.jpg" } ], "jobs": [], "news": [ { "title": "YC-Backed Touch and Pay is changing how Lagosians commute with Cowry cards", "url": "https://techcabal.com/2024/03/05/cowry-card-payments-tap-and-go-technology/", "date": "Mar 05, 2024" }, { "title": "Touch And Pay Joins W22 Y Combinator Accelerator Programme - Business News in Nigeria", "url": "https://unmaskng.com/touch-and-pay-joins-w22-y-combinator-accelerator-programme/", "date": "Jan 21, 2022" }, { "title": "Nigerian tech startup, Touch and Pay, joins the W22 Y Combinator accelerator programme - Nairametrics", "url": "https://nairametrics.com/2022/01/21/nigerian-tech-startup-touch-and-pay-joins-the-w22-y-combinator-accelerator-programme/", "date": "Jan 21, 2022" }, { "title": "How Touch and Pay (TAP) got 1.5 million Lagosians to adopt cashless bus rides", "url": "https://techpoint.africa/2022/01/10/touch-and-pays-1-5-million-users/", "date": "Jan 10, 2022" }, { "title": "Cowry's 'tap to ride' contactless payment is making transit easier for Lagosians to commute during the pandemic — Features — The Guardian Nigeria News – Nigeria and World News", "url": "https://guardian.ng/features/cowrys-tap-to-ride-contactless-payment-is-making-transit-easier-for-lagosians-to-commute-during-the-pandemic/", "date": "Oct 01, 2021" } ], "launches": [] }, { "id": 25515, "name": "Whiz", "slug": "whiz", "former_names": [ "Rocket Pocket" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b558731717f275fda1e0113ad54aa54d77d8cd3e.png", "website": "https://whiz.id", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Whiz revolutionizes the way you manage finances, providing innovative solutions for a wealthier future—where your money earns more, fully insured by Indonesia Deposit Insurance Corporation (IDIC). 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Ex-Facebook SWE, worked on several zero to one projects such as Blood Donations and Messenger Rooms. Graduated from Harvard College with a degree in Computer Science and Statistics. 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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": 25670, "name": "Eazipay Inc.", "slug": "eazipay-inc", "former_names": [ "Myeazipay Technology Services Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4a6d38a5e03130b41b7c1ced5d2b0e7c87a4c691.png", "website": "https://myeazipay.com", "all_locations": "Lagos, LA, Nigeria", "long_description": "Eazipay is Africa’s leading payroll and payment automation platform, making it easy for businesses to pay their teams accurately, on time, and with minimal effort. Our Payroll API enables businesses, fintechs, and platforms to integrate payroll processing directly into their systems—automating salary payments, tax deductions, and compliance.\r\n\r\nBeyond payroll, Eazipay also empowers workers by providing faster access to their earnings and financial benefits. With features like early wage access and financial wellness tools, we help employees and gig workers gain more control over their income and financial stability.\r\n\r\nWe now serve over 10k businesses, with many YC companies as customers. 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We’re making it effortless for businesses to pay their teams accurately and on time, without the usual payroll headaches.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/asheradeniyi/", "x_url": "https://twitter.com/agtsih", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/148e6e27ef36efbfe8a2cb0af45355f1f865613b.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 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": 25694, "name": "PayCrunch", "slug": "paycrunch", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/875f70726bf714e04e2c65653e8ccf92d8beb470.png", "website": "https://paycrunch.in", "all_locations": "Bengaluru, KA, India", "long_description": "More than 150 million people in India are not able to access formal Credits in India either because of lack of financial data or low credit scores. We use Alternative Credit scoring models to provide a Pay Later option on UPI to a wider audience. 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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. 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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": 26051, "name": "GIMO", "slug": "gimo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c68de92438a9912956f54bb8432706d4b265d422.png", "website": "https://gimo.vn/en", "all_locations": "Hanoi, Hanoi, Vietnam", "long_description": "We are building a new financial platform that helps underbanked workers get paid as they earn it, anytime, anywhere. By partnering up with corporate employers, GIMO is providing a mobile financial application as a benefit to their employees, aiming at changing the way the employees earn, spend, save and invest.", "one_liner": "We help underbanked workers get paid before payday", "team_size": 70, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1639507973, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "Vietnam", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/gimo", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/gimo.json", "year_founded": 2019, "city": "Hanoi", "country": "VN", "linkedin_url": "https://vn.linkedin.com/company/gimojsc", "x_url": "", "fb_url": "https://www.facebook.com/gimo.vn/", "cb_url": "https://www.crunchbase.com/organization/gimo", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c68de92438a9912956f54bb8432706d4b265d422.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 833329, "full_name": "Quan Nguyen", "title": "Founder", "founder_bio": "Quan is the co-founder and CEO of GIMO - a mobile financial app for underbanked workers to get paid on-demand. Prior to GIMO, Quan was an ex-Citibank executive managing its consumer banking division and used to lead capital raising and investments valued $100Mn in Vietnam's debt market at family offices and boutique investment funds. Quan holds an Executive MBA from Shidler College of Business, University of Hawaii at Manoa. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/quannguyen89/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fae776ed362bf3a96831a644d598982d1f669df9.jpg" } ], "jobs": [ { "id": 102296, "title": "Marketing Lead", "url": "https://www.ycombinator.com/companies/gimo/jobs/yxH32RL-marketing-lead", "location": "Hanoi, Ha Noi, VN", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$100 - $700 / monthly", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 102297, "title": "Senior Java Engineer", "url": "https://www.ycombinator.com/companies/gimo/jobs/PnG2yGW-senior-java-engineer", "location": "Hanoi, Ha Noi, VN", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$1K - $2K / monthly", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Java" ] } ], "news": [ { "title": "Vietnam's GIMO raises $17.1M in funding led by TNB Aura to fuel expansion - TechNode Global", "url": "https://technode.global/2023/07/24/vietnams-gimo-raises-17-1m-in-funding-led-by-tnb-aura-to-fuel-expansion/", "date": "Jul 23, 2023" }, { "title": "FinTech startup GIMO hits first close of Series A at $5.1 million  - GIMO", "url": "https://gimo.vn/en/blog-home/fintech-startup-gimo-hits-first-close-of-series-a-at-5-1-million/", "date": "Feb 13, 2023" }, { "title": "Fintech startup GIMO bags $1.9M in Seed+ round led by Integra Partners", "url": "https://au.finance.yahoo.com/news/fintech-startup-gimo-bags-1-023000015.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAKSn-dyUJZrcnjNno2Els98VF1T7KpzaUFsKVKTysV4dEzKBB7_pA5ztcIXrx09wLs-oXdDq6r2DVTjkkVeQ1tK2Ik6OzOtubXU1TBH1kDKsAaXA8C0jTKccFQtxcCiYOqSA0z3IwqN8iJrQnns3F7GhVriYYjBoxhYBmlTIy5X7", "date": "Dec 09, 2021" } ], "launches": [] }, { "id": 26109, "name": "Poko", "slug": "poko", "former_names": [ "Shoppa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e9223cea998383ca05659ccb9f8a005d117395d4.png", "website": "http://www.pokoapp.xyz", "all_locations": "Singapore, Singapore", "long_description": "Poko enables seamless transfers from local payment rails to web3 infrastructure enabling web3 wallets, marketplaces, games and DApps to acquire more users. With Poko’s SDK, web3 builders can easily enable fiat-to-crypto onramping with 100+ common local payment methods or easily pay for NFTs with local payment methods. Poko's fiat-to-cryptoonramp aggregator reduces onramping costs by up to 70% and increases transaction success rates by up to 5x through a smart routing logic and a single integration to multiple onramps. It's Direct Checkout solution enables one step purchasing from fiat payment rails from any smart contract for 79% higher user conversion. The co-founders’ experience includes being chief strategy officer of a $2.4B coincap protocol, leading technical implementation of Singapore’s central bank’s experiment in cross-border payments on blockchain rails, policy experience as payments task force member at the World Economic Forum, ex-Ethereum Foundation Fellow, and CTO of a 2M+ user play to earn game.", "one_liner": "Seamless Fiat Payments for Web3", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1641453325, "tags": [ "Developer Tools", "Crypto / Web3", "Payments", "Gaming", "Creator Economy" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "Geoffrey See was CSO and founding team member of a $2.4B coin-cap protocol in 2018-2019. He led technical implementation for Singapore’s central bank’s experiment with cross-border payment settlement on blockchain rails and was a taskforce member on Cross-Border Digital Payments and the Digital Currency Governance Consortium at the World Economic Forum. Van Tran headed growth and strategy for Netflix in Southeast Asia, Australia, New Zealand, Hong Kong and Taiwan with $1B+ in annual revenue. Daniel Le was a banking and payments engineer at a YC unicorn before becoming CTO of a Play to Earn game, scaling it to 2M gamers and a 100+ team within 1 year. They met in Vietnam through their common interest in cross-border payment problem in the gaming and entertainment sector and have worked together for over 2 years." }, { "question": "What's the history of your company from getting started until the present day? What were the big inflection points?", "answer": "We went through a pivot post-YC demo day from building DAO tooling to focusing on frictionless payments for web3. We saw that this was a pain point as more web3 products and services tried to reach a wider audience. We also had to navigate significant industry turmoil (Terra, FTX, Silvergate, Signature, Celsius…etc.) and were glad that we were able to do so with no direct impact on us or our finances." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Enabling cross-border payments that is cheap, fast and efficient on blockchain rails is a multi-trillion dollar industry with high take rates. We believe crypto wallets will be the financial infrastructure of the future - especially for a global community." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "The internet of money will be the financial infrastructure Gen Z and beyond grow up with. It will be democratic, accessible and deeply integrated into core internet infrastructure." } ], "url": "https://www.ycombinator.com/companies/poko", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/poko.json", "year_founded": 2021, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/pokoapp/", "x_url": "https://twitter.com/poko_app", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e9223cea998383ca05659ccb9f8a005d117395d4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 855612, "full_name": "Geoffrey See", "title": "Founder", "founder_bio": "Chief Strategy Officer and founding team of $2.4B coin cap (at peak) protocol Zilliqa. Launched a digital identity product and onboarded 20M users in India/Vietnam in 1 year. I am a former Ethereum Foundation Fellow, World Economic Forum Council member for Cross-Border Digital Payments and Digital Currency, and a Kauffman Fellow. At Bain & Co., I worked on private equity, technology and retail. I graduated from Wharton and Yale.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/geoffreysee/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9c6b3f176e34b4c222f3f7e101b933d66f2bcd6f.jpg" }, { "user_id": 641685, "full_name": "Sean Ang", "title": "Founder", "founder_bio": "Experienced community builder, obsessed over customer service excellence. \n\nBuilt a community for thousands of youth in mental health to communicate under one platform. Started a podcast on Facebook and Youtube to interview experts on healthcare communications and psychological well-being and brought together healthcare professionals to propose changes to the practice for healthcare professionals in Singapore. \n\nPassionate about human connection, customer service and an avid squash player. ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/seanangsr/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/273b403b5f50567707492db3e616a34e0df350ca.jpg" }, { "user_id": 855990, "full_name": "Van Tran", "title": "Founder", "founder_bio": "Van Tran has spent the last 3 years leading marketing strategy and growth for Netflix Southeast Asia and Australia to establish Netflix presence and build up fan communities in the region. Previously, she worked on building student communities for the first liberal art college in Singapore Yale-NUS. She also has experience working in management consulting at Bain & Co. and product manager at Amazon.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/tranngocvan210/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d9aac268a7a42907eff8d6d11c3fcfc5920796c5.jpg" } ], "jobs": [], "news": [ { "title": "Poko raises $4.5m to reduce Web3 payments friction", "url": "https://www.techinasia.com/poko-raises-4-5m-to-reduce-web3-payments-friction", "date": "Jun 14, 2023" } ], "launches": [ { "id": 71045, "title": "Poko - Onramp aggregator and direct checkout for web3 wallets & marketplaces", "tagline": "Onramp with 70% lower costs and 6x transaction success rates", "body": "Hi all! Geoffrey and Van from [**Poko**](https://Pokoapp.xyz) here! \\\n\\\nI (Geoffrey) was at Devcon in Bogota trying to top up my wallet. Used Moonpay - transaction failed. Used Transak - transaction failed. Used Coinbase Pay - transaction failed. Fiat to Crypto onramps [fail anywhere from 30% to 90% of the time around the world](https://www.pokoapp.xyz/post/success-rates-fiat-onramps). We solve this problem through our Onramp Aggregator and Direct Checkout.\n\n**TLDR**\n\nWe provide wallets and marketplaces infra providers with an [Onramp Aggregator](https://www.pokoapp.xyz/onramp-aggregator) - a single integration for all localized onramps enabling them to onramp with **local payments,** at up to **6x transaction success rates** and [**70% lower costs** than Moonpay/Transak](https://www.pokoapp.xyz/post/problems-with-onramps-fees). We also provide a [Direct Checkout](https://www.pokoapp.xyz/direct-checkout) on local payment rails for users to pay seamlessly into a smart contract (e.g. for NFT purchasing) without the user needing to onramp. This enables far higher user conversion and transaction success rates. Our payment solutions reach 16M+ active wallets.\n\n**Who is it for**\n\nOur users are wallets, marketplaces, wallet- and marketplace-infra providers, and games/DApps seeking a better payments experience and monetization from their end users. For infrastructure partners, we provide features that serve them especially well (e.g. dashboards and data/flexibility to meet multiple use cases) and a revenue share for them to scale with transaction volume.\n\n# \n\n# 💵 **How does it work?**\n\n**Onramp Aggregator**\\\nWe route users to onramps with the highest success rates and lowest transaction costs for a particular currency, payment method, and token for Everytime Lowest Prices. We bring onboard onramps focused on a single country as they provide the highest success rates. This is because localized onramps provide rates, payment methods, and KYC processes that work best for their market. Onramps compete to provide the best rate and highest transaction success. \\\n\\\n_Check out a live demo (and live rates) here:_ \\\n\\\n_Read the product docs:_\\\n\n\n![uploaded image](/media/?type=post&id=71045&key=user_uploads/855612/147e959f-afd1-43fa-9f66-4ff5088da633)\n\n_Live rates with a **1400 basis point difference** between the lowest cost and highest cost onramp (Brazil)!_\n\n**Direct Checkout**\\\nOne-step NFT purchasing using cards and popular payment rails from any wallet or on any marketplace. This enables users to frictionlessly purchase gaming NFTs or other digital goods without onramping (we automate the onramp and swaps and hide this from users). This increases paid user conversion in web3 by 79% as users use the payment rails most available to them and avoid unnecessary friction like KYC or complicated token purchasing and swaps.\\\n\\\n_Check out a demo in staging here:_ \\\n_Product documentation:_ \\\n\n\n![uploaded image](/media/?type=post&id=71045&key=user_uploads/855612/21f3d0f0-3b86-42a1-9133-13a2e1f90175)\n\n**Why we built** [**Pokoapp.xyz**](http://Pokoapp.xyz)\\\nWe believe in giving web3 wallets, marketplaces, and DApps bank-like superpowers by connecting them with local payment rails so that assets can move between tradfi payment rails to crypto rails seamlessly. We believe we are helping builders build the banks of the future - and better ones!\\\n\\\n**Our Ask**\n\nKnow a wallet, marketplace or DApp needing onramps? **Put us in touch** or better yet, **send them our demo** so that they can see for themselves how much their users can save using our Onramp Aggregator!\\\n\\\n**Contact us**\\\nReach out via TG (), email ([geoffrey@pokoapp.xyz](mailto:geoffrey@pokoapp.xyz)) or schedule something here: ", "url": "https://www.ycombinator.com/launches/ITt-poko-onramp-aggregator-and-direct-checkout-for-web3-wallets-marketplaces", "votes": 7, "created_at": "2023-04-18T19:24:33.277Z" } ] }, { "id": 26290, "name": "Mono", "slug": "mono-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0ac95d1949a6a54c8aa8d516807ab68da84ba80d.png", "website": "https://mono.la", "all_locations": "Bogotá, Bogota, Colombia; Remote", "long_description": "Mono provides an API-first platform that lets any company in LatAm offer financial capabilities, wallets, real-time payouts (Bre-B), Visa cards, and multi-rail bank transfer without becoming a fintech.", "one_liner": "Embedded finance infrastructure for LatAm enterprises.", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1642010570, "tags": [ "Fintech", "Payments", "Neobank" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Colombia", "Latin America", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/mono-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/mono-2.json", "year_founded": 2020, "city": "Bogotá", "country": "CO", "linkedin_url": "https://www.linkedin.com/company/cuentamono", "x_url": 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We are excited to share with you what we are building.\n\n**🤔 The Problem**\n\nOnline businesses face a capital problem with limited funding options. Equity is dilutive and debt requires assets and collateral that most online businesses do not have.\n\n**💡 The Solution**\n\nerad provides payment processing and non-dilutive funding to online businesses in the Middle East. We underwrite these businesses by accessing their accounting, sales, payments, and marketing data. \\\nOur process involves connecting to your systems and offering you financing in 48 hours. We automate repayments by processing your online payments.\n\n![](https://lh4.googleusercontent.com/cnoTXYLdFmVyHrMEKmtnjGvyZWEYq7aE88wSJ8n52N-uHOh7BIeNn7p2LzQ9fod_Jqb6aM1oElceC_SURl5v398hT5eMCyGkVG6MWIYtpJjFDrCUY6Kre6T_qWgDqeYbFzTgMrHoK-wKFqjl5Jyvrvo)\n\n**🕑 Our Backstory**\n\nBefore launching erad, we owned an online business that we sold due to the lack of capital. We then worked in banking, M&A and built enterprise e-commerce programs in the Middle East.\n\nLooking for alternative funding sources for your online business in the Middle East - [**Talk to us!**](https://calendly.com/d/dnn-tfb-wbn/erad-demo)", "url": "https://www.ycombinator.com/launches/Gzy-erad-non-dilutive-funding-and-payments-for-online-businesses-in-the-middle-east", "votes": 19, "created_at": "2022-08-13T17:06:42.461Z" } ] }, { "id": 26725, "name": "CODEXA", "slug": "codexa", "former_names": [ "Kapstar", "ECSA", "E C S A", "KAPSTAR TECHNOLOGIES", "ECSA" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/315e211ddda1814fa9db4077702d9dd3f91a8723.png", "website": "https://codexa.com.br", "all_locations": "Manaus, AM, Brazil", "long_description": "Our agents run tax, customs clearance, and supply chain workflows, helping companies navigate complex regulations and reduce the cost of international trade. By running these operations, Codexa becomes the natural platform for customers’ payments and foreign exchange.\r\n\r\nWe execute transactions through our own financial institution, regulated by the Central Bank of Brazil, connecting operational workflows directly to financial infrastructure. Customers approve payments, and Codexa moves the money through traditional and stablecoin rails.\r\n\r\nToday, 51 enterprise customers use our agents, and 84% have adopted our financial products. We process approximately $800M in monthly financial volume, including $160M settled through stablecoins. Our customers include Fortune 500 and Global 500 companies.", "one_liner": "The AI-native financial platform for enterprises", "team_size": 38, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1655314683, "tags": [ "Fintech", "Crypto / Web3", "Payments", "Supply Chain", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/codexa", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/codexa.json", "year_founded": 2022, "city": "Manaus", "country": "BR", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/315e211ddda1814fa9db4077702d9dd3f91a8723.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 1015898, "full_name": "Joao Victor Aguiar", "title": "Founder", "founder_bio": " ECSA Co-founder", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jo%C3%A3o-aguiar-8663b5230/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bb0d6a927ec9654cd8adaa0f87ab35c2e9986e0e.jpg" }, { "user_id": 996660, "full_name": "Rodrigo Marino", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rodrigomfogaca/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c815d0123b3891d46475d35b56ba0feb83773903.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26740, "name": "BlueHill Payments", "slug": "bluehill-payments", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7848c9198395ee8ed47b855acc7e0a344b4526cb.png", "website": "https://www.useBlueHill.com/", "all_locations": "Chicago, IL, USA", "long_description": "BlueHill replaces the patchwork of tools you use to manage clients. Instead of bouncing between a project management app, a shared inbox, a portal solution, and a spreadsheet to track onboarding — BlueHill brings it all into one platform. Your team gets built-in email, structured onboarding workflows, project management, and a complete history of every client interaction. No more lost context, no more switching between tabs, and no more wondering who said what to which client.\r\n\r\nYour clients get a branded portal experience where they can communicate with your team, track progress, and access everything they need — without the confusion of scattered tools and login links. Whether you're onboarding a new client, managing an ongoing project, or following up on a conversation from three months ago, BlueHill keeps everything connected so your team stays aligned and every client feels taken care of.", "one_liner": "Client management, communication, and projects in one platform.", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Productivity", "launched_at": 1653075430, "tags": [ "Payments", "Productivity", "Operations" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "B2B", "Productivity" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bluehill-payments", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/bluehill-payments.json", "year_founded": 2022, "city": "Chicago", "country": "US", "linkedin_url": "https://linkedin.com/company/bluehill-payments", "x_url": "https://twitter.com/bluehillpay", "fb_url": "https://www.facebook.com/BlueHillPayments", "cb_url": "https://www.crunchbase.com/organization/bluehill-payments", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7848c9198395ee8ed47b855acc7e0a344b4526cb.png", "app_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/bf-public_profile/26816/app_video.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAQC4NIECADIQ5IO3P%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022707Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEHEaCXVzLXdlc3QtMiJHMEUCIFn9f1Q%2Fd5qbfh%2BaAtaVplCeCsQqcNPXsuJRFd%2FhEVNTAiEA32K96AnrgcbRhcV%2FG1nfonPcgv%2Bc%2FqKyXAbZewGS7bkq5QMIORAAGgwwMDYyMDE4MTEwNzIiDMTF%2FTN3Ytu8H%2BXUvCrCA1e4pUvTMyQiKt1%2BeAxWJxztB3upc48xMnu8txnu6hPBB6tBT9FH%2B7KdYRpxGBnJZBkdyCmlLAJ0CXfeAAY8fyQvYDNR%2FVSROes19%2BTTnJYT9S2wCgfQCuJ0YeiFCQLChHcol7BkRYnmMNIO%2FgE29LCyEStkWRZG8WbRZY81Ca7Az%2BTBv1lMtscc5ZPC81SmhdJekCuCDpwEsSL%2FPrlMBHsQmNQ7fWZt%2FC%2F6PL9LagGFJrFwULDIrlKTRuT7%2BbaJ%2FIK4VXnF4lb94Qy6zViEkIrDXoC%2FMM8rlq8sDNGiqbGMj1TovkZ6kZSW5ZjdiSSC7qHt0t2cywP9UEqQdXuMhdWAft9xeQK1LvDjPhtv9kR6uvifQIRrMHKq%2FiRb1XsAikH6XANMUVzUJ8Ir1HZqBuS%2FEy88qF7mCLBci5FVyousO1F9Ut3gwITW0JcFOcCCd2Dsg1N%2BDATCZBDU6xN0%2FDdz8wDqBNzjAjrGbBiYgMnIOv9uk%2BsyK8iYnCmea%2FXfGo%2BiY5SuTsG%2BV8C5dxRg3phnYkIMAxeZqL7TD1qmmPu6uv9YVQKa%2BslxeaqycA%2Ba%2BafPdlHmaggog8yCaUbjFRWrhTDn%2FdrWBjqlAYDHbtBAFbJaQyRK%2Frvi4i%2BaROKi9FWEPA6onBTAu32RxbMsFc29ZArKwaNqujD8g1G3rzBr%2FC5GV%2FAXG6jj7cVGairxEVEvGC1yDegS%2FCv86Hpqs%2FT9xUImWeQ4KeT62C7Nuyj3iLifpzmHqORhRhY63cnr0feNsvCU3m42qSPRPsvIPk8NOVUKFKdgs6fuRI%2B7pHVoEPDzz%2Bdxlt1USe8vCNP5vQ%3D%3D&X-Amz-SignedHeaders=host&X-Amz-Signature=3b90de94276a4cc5f872d924b081f01af8fd95ab78873feb449abf6a71612b11", "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 927793, "full_name": "Himanshu Minocha", "title": "Founder", "founder_bio": "Himanshu Minocha is the CEO of BlueHill Payments building a platform for expanding payment flexibility for merchants while lowering processing rates. In 2016 and 2019 as a teenager Himanshu worked on several hardware and software projects which have active patents. He also studied computer science at the University of Illinois at Urbana-Champaign. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/himanshu-m-2a8329ab/", "x_url": "https://twitter.com/HimanshuMinocha", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ae114c90fbfa6c650fea97c1a2f539dc50837f31.jpg" }, { "user_id": 1018172, "full_name": "Rohan Minocha", "title": "Founder", "founder_bio": "Rohan Minocha is the Co-Founder and CTO of BlueHill Payments, a platform for expanding payment flexibility for merchants while lowering credit card processing rates. He also currently studies computer science at Stanford University.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rohan-minocha-19bb42223/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aa5875539ee4dd21f092541aa7d652565cebf2ae.jpg" } ], "jobs": [ { "id": 112016, "title": "Business Development Representative (Founding GTM)", "url": "https://www.ycombinator.com/companies/bluehill-payments/jobs/ZGZJpir-business-development-representative-founding-gtm", "location": "Chicago, IL, US / Marlborough, MA, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $180K", "equity_range": "0.50% - 2.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 64913, "title": "BlueHill Payments 💳 - Payment Workflows For Scale", "tagline": "Lower merchant fees and increase payment acceptance by choosing the right payment processor to use for each transaction", "body": "## **TL;DR:**\n\nBlueHill makes it easy to connect to different payment service providers and start taking digital payments. We do this by integrating with different payment gateways and offering you the best rates across all payment options for each transaction.\n\n## **🤕 The Problem:**\n\n* As businesses scale, they begin to outgrow their payment systems, leaving them to use multiple tools and software to manage their revenue operations.\n* Maintaining multiple systems increases vendor lock-in and forces businesses to spend more on fees when accepting digital payments.\n* It’s difficult to get lifecycle analytics across multiple payment service providers\n\n## **🤩 The Solution - BlueHill**\n\n![uploaded image](/media/?type=post&id=64913&key=user_uploads/927793/19dd5cc9-72bb-4988-97ea-999e0bfdec8c)\n\n* ✅  Manage all of your revenue and transactions in one place\n* ✅  Use your existing payment service providers\n* ✅  See customer transaction history, LTV, and revenue graphs in real time\n* ✅  Save time and increase billing efficiency\n\n### **🧠 Intelligent Routing Platform:**\n\nBlueHill can support all your payment-related business needs, whether its fast settlement, lower fees or tiered billing with an easy-to-use Dashboard or API. Route transactions to service providers based on rates and business priorities.\n\n![uploaded image](/media/?type=post&id=64913&key=user_uploads/927793/b3438206-ff38-46e7-9479-7456c3247e52)\n\n## **🚀 Our Ask - Join our Pilot**\n\n* We want you! Interested in BlueHill’s solution? Contact us at [founders@bluehillpayments.com](mailto:founders@bluehillpayments.com) or go to \n* Additionally, **if you know any businesses looking to streamline their complex payment operations** and are willing to make an intro please **email us directly**. Any help is appreciated.", "url": "https://www.ycombinator.com/launches/Gsz-bluehill-payments-payment-workflows-for-scale", "votes": 186, "created_at": "2022-07-26T18:52:10.017Z" } ] }, { "id": 26755, "name": "Sunlight", "slug": "sunlight", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/31758f22583088dc4bc585ae2c372fbd95e94ea0.png", "website": "https://www.sunlightapi.com/", "all_locations": "New York City, NY, USA", "long_description": "Sunlight moves B2B payment volume onto card without asking a single supplier to onboard. Our AI agents determine where a bill can be paid by card without a surcharge, then execute that payment through the vendor's own billing or AR portal, returning a confirmed status, receipt, and structured remittance data through a single API.\r\n\r\nFor decades, moving invoice spend onto card meant building a rail or signing suppliers up one at a time. Both are slow, and both leave most of the volume behind. Sunlight takes a different path. Because our agents pay through the portals suppliers already use, the network reaches every supplier without any of them having to join it.\r\n\r\nAP platforms and bank card programs issue their own cards, send them to us, and capture the interchange on volume that would otherwise have defaulted to ACH or check. We are the AI infrastructure layer that makes that volume reachable.", "one_liner": "The intelligence and execution layer for agentic B2B card payments.", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1655927638, "tags": [ "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/sunlight", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/sunlight.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/31758f22583088dc4bc585ae2c372fbd95e94ea0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1011212, "full_name": "Guy Ziv", "title": "Founder", "founder_bio": "Guy Ziv is the Co-Founder and CEO of Sunlight, a seasoned business executive, and entrepreneur with a wealth of experience in introducing disruptive technologies to medium and large financial institutions worldwide. With a robust background in product delivery, sales strategy, and execution, Guy has a track record of successfully forming dozens of strategic partnerships and delivering innovative solutions in the ever-evolving realm of financial technology.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gyziv/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c49dd8bc0702a87f80cbb6331634982b6af24730.jpg" }, { "user_id": 982039, "full_name": "Leo Chanea", "title": "Founder", "founder_bio": "Product executive, entrepreneur & community expert with a versatile experience in building sticky products. Ex-Moovit (acquired by Intel)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/leo-chanea-12545a40/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/28249bc497dcd3feb417fef1d8ca76af8717c82b.jpg" }, { "user_id": 1012285, "full_name": "Gil Peretz", "title": "Founder", "founder_bio": "Gil Peretz is an experienced and passionate entrepreneur in the tech space. With a background in R&D, he has held positions such as Group Manager at Moovit, and has a wealth of experience in building high performance systems serving 1B+ users. His expertise spans from integrating systems, data scraping, and modeling on a large scale.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gil-peretz-25404031/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/32ba083e8ed95a9680b22f5087e897c963f4ab84.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 64261, "title": "Sunlight🔆- The Universal Card-on-File API", "tagline": "Meet Sunlight, the API to change the card-on-file with apps and subscription services.", "body": "Guy, Gil and I are thrilled to introduce [Sunlight](https://www.sunlightapi.com/) to help Fintechs automatically make their cards top-of-wallet immediately after they're issued! \\\n\\\n**Card-on-file is the digital commerce growth engine:**\n\n82% of consumers use digital payments. Merchants, service providers and subscriptions-based businesses everywhere now offer their customers the ability to save a debit/credit card on file, so they can pay their bills on time, buy in one click, or earn rewards. And globally, 79% of consumers currently have saved a card on file or are open to doing so.\n\n\\\n**The Problem:**\n\nIn recent years, card-issuing-as-a-service has made it easy for any company to start their own card business, leading to an all-time high in the number of cards issued in 2021. For users, however, switching banks or opening a new credit card account comes with an additional hurdle: they need to update their payment info across multiple services. And on the other side of the equation, financial institutions that are issuing those cards are struggling to get their users to switch their spend from their old card to the new one. FIs have a very low conversion rate because they have no visibility and no control over the card-on-file updating process.\n\n**The Solution:**\n\nWith our universal get-your-card-on-file API, FIs can offer their users at any point in their journey a quick and easy way to update their debit/credit card info everywhere they shop or pay online, without ever leaving their Apps. The Sunlight API works on every platform that has a card-on-file option (think Uber, Amazon, Netflix, DoorDash, Starbucks and so many more…), is as seamless as a Plaid connection, and always gets the card number right and CVV code on the first try!\n\n\\\n**Our Ask**\n\nIf you’re offering cards to your users and want to increase the usage of those cards to generate more revenue, email [founders@sunlightapi.com](https://mailto:founders@sunlightapi.com) to skip the waiting list and start using our API!\\\n\\\nCheck out our website: [sunlightapi.com](https://www.sunlightapi.com/)\n\n🚀☀️", "url": "https://www.ycombinator.com/launches/GiT-sunlight-the-universal-card-on-file-api", "votes": 98, "created_at": "2022-07-01T13:10:07.642Z" } ] }, { "id": 26770, "name": "Bridgecard", "slug": "bridgecard", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c5e1b47cd7ecdbae56cbc14240cd9bee1aa76d22.png", "website": "https://bridgecard.cards", "all_locations": "Lagos, LA, Nigeria", "long_description": "Bridgecard makes it easy for fintechs to issue MasterCard or Visa cards that work anywhere in the world. We provide easy-to-integrate APIs to issue virtual and physical cards and we can get you started in weeks instead of months.\r\n\r\nFor nearly three years, we’ve supported Africa’s top startups with stable, high-growth card solutions. Thanks to our stability, over 50% of our clients have grown their volumes by more than 5X within 6 months. Our commitment is to deliver great cards that work, provide reliable support, and unbeatable uptime so that your users can be satisfied.", "one_liner": "Card issuer for Africa", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1660576632, "tags": [ "Banking as a Service", "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bridgecard", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/bridgecard.json", "year_founded": 2021, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/mybridgecard/?viewAsMember=true", "x_url": "https://twitter.com/mybridgecard", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/bridgecard-82df", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c5e1b47cd7ecdbae56cbc14240cd9bee1aa76d22.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1003803, "full_name": "Tunde Adewole", "title": "Founder", "founder_bio": "Building Awaithumans, the infrastructure that lets AI agents hand off tasks to humans or other agents with a single function call.\n\nI previously scaled Bridgecard (YC S22) to over $1M ARR before exiting. I love machine learning, recently trained an embedding model (SearchMap Preview) to outrank Gemini on the MTEB leaderboard with 5k+ downloads on Hugging Face.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/tunde-adewole-b223729a/", "x_url": "https://twitter.com/llm_money", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/81fe989052c10ab9182c83716fc711b7eca0582c.jpg" }, { "user_id": 1008256, "full_name": "Festus Owumi", "title": "Founder", "founder_bio": "Festus is a Senior Software Engineer with experiences ranging from Mobile, Machine Learning and Backend Development. He has 5 years experience with companies offering financial services in Africa including TradeDepot, Kippa e.t.c. ", "is_active": false, "linkedin_url": "https://linkedin.com/in/owumi-festus-3151aa172/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2114e05113969b913d4d6b600efa9290992af896.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 65391, "title": "Bridgecard 💳 The card issuer for Africa", "tagline": "Meet Bridgecard, we help fintech companies issue cards in Africa. ", "body": "Hello 👋, we are Tunde and Festus, the founders of [Bridgecard](https://issuecards.bridgecard.co).\n\n**The problem 😓:**\n\nData has become affordable in most parts of Africa, for example, the price of mobile data has dropped by over 75% in Nigeria over the past 5 years.\n\nLocal people have started consuming global services like Netflix, AWS, AliExpress, Udemy, etc. but don’t have a card to pay for these services. Local banks in Africa haven’t been able to support international transactions on the local currency cards.\n\nI traveled to the US for the first time 2 months ago and almost got stranded at the airport because I found out that Uber in SanFrancisco does not accept cash and my local bank card didn’t work. I was able to hack together a card, add it to the app, and Uber down to my location.\n\n**Our Solution 💳:**\n\n[Bridgecard](https://issuecards.bridgecard.co) makes it easy for any fintech company to issue their customers a card that will carry a MasterCard or Visa logo and work anywhere in the world.\n\nWe provide easy-to-integrate APIs to issue virtual and physical cards and we can get you started in 5 days or less.\n\nMy co-founder and I got into YC to build something different but our previous card issuer stopped supporting over 20 other companies and us in Nigeria alone so we couldn’t keep our product in the market.\n\nWe woke up one morning and decided to be the card issuer ourselves.\n\n**Ask 🤝:**\n\nIf you’re building a fintech product and you need to issue cards in Africa, check out [Bridgecard](https://issuecards.bridgecard.co) or send me a mail at [tunde@bridgecard.co](mailto:tunde@bridgecard.co).\n\nWe’ll be glad to work with you.", "url": "https://www.ycombinator.com/launches/H0h-bridgecard-the-card-issuer-for-africa", "votes": 28, "created_at": "2022-08-16T07:56:19.887Z" } ] }, { "id": 26797, "name": "Rio", "slug": "rio", "former_names": [ "Rampa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/efb1b318b2f093000a46046dd04d837de28d5be7.png", "website": "https://www.rio.trade", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "Rio is the premier stablecoin liquidity provider for the LATAM market. We enable access to stablecoins for financial innovators to scale their products.", "one_liner": "LATAM’s largest stablecoin FX and liquidity provider", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1658795593, "tags": [ "Fintech", "Crypto / Web3", "Payments", "Latin America" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Mexico", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/rio", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/rio.json", "year_founded": 2022, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/rio-transfer/", "x_url": "https://twitter.com/rio_transfer", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/efb1b318b2f093000a46046dd04d837de28d5be7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 1011235, "full_name": "Eudelio Garza", "title": "Founder", "founder_bio": "Eudelio is the CEO of Rio. Prior to Rio, he was a Product Manager at BlockVigil, a dev platform that provides Matic nodes as a service. He onboarded 30 developers and helped the company reach 1 billion API calls/day. When talking to web3 devs, he realized the need for better on-and-off ramping infrastructure in emerging markets.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/eudelio-garza-5abb7a13b/", "x_url": "https://twitter.com/leyogarza", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0d4ff823006d869bf3b01d4ca00e5584dca3fa91.jpg" }, { "user_id": 1015465, "full_name": "Javier Roberts", "title": "Founder", "founder_bio": "Building Rio", "is_active": true, "linkedin_url": "http://linkedin.com/in/javierroberts", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/07fd3123d019274e0dfaab749abe141c93b2535d.jpg" }, { "user_id": 995362, "full_name": "Ricardo Villarreal Chapa", "title": "Founder", "founder_bio": "Co-founder of Rio (YC S22). Studied Computer Engineering at Boston University. Ex engineering product manager (for banks) and private equity analyst. Enjoys training BJJ, rockclimbing, and tennis. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ricardo-villarreal-chapa/", "x_url": "https://twitter.com/ricardo_vch", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/96e28e280c7c6f1ccf06e0876596063922398d62.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26803, "name": "Tank Payments", "slug": "tank-payments", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4db7a5077a335ed33cdb02645791bdc760dba1ca.png", "website": "https://www.tankpayments.com/", "all_locations": "Austin, TX, USA", "long_description": "Tank Payments is building modern financial infrastructure for the trucking industry. We offer payables automation software for logistics businesses that make hundreds of payments to trucking businesses every day. For trucking businesses, we provide a best-in-class banking platform, designed to meet the unique financial needs of the trucking sector.", "one_liner": "Modern financial infrastructure for the trucking industry.", "team_size": 10, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1659420849, "tags": [ "Fintech", "SaaS", "Payments", "Logistics", "Supply Chain" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tank-payments", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/tank-payments.json", "year_founded": 2022, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/82513538", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tank-payments", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4db7a5077a335ed33cdb02645791bdc760dba1ca.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 765179, "full_name": "Dane Cook", "title": "Founder", "founder_bio": "Dane is a co-founder of Tank Payments. Prior to Tank, Dane managed product teams at Amazon. Before that, he worked at a startup building a semantic knowledge graph and a startup that sold data to hedge funds. Dane started his career at a Wall Street investment bank.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dane-cook-b8402922/", "x_url": "https://twitter.com/danecooked", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/77b7f0d48a431bc1443e57f1a0ded1b6a471ca48.jpg" }, { "user_id": 1086453, "full_name": "Jad Rahbany", "title": "Founder", "founder_bio": "Jad is a co-founder of Tank Payments. Prior to Tank, Jad was a Software Engineer at Amazon working on the Alexa AI team, and a Product Manager at Google and Graphiq (acq. by Amazon). Originally from Lebanon, Jad graduated from Cornell University with a degree in Computer Science and a minor in Business.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jadrahbany/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/08edf98e6dfd34d9aae8d29b1fbcf81654799a93.jpg" }, { "user_id": 793427, "full_name": "Matthew Rybak", "title": "Founder", "founder_bio": "Matthew Rybak is the co-founder of Tank Payments. Matthew heads factor business development and product at Tank. He started out in financial services (Citigroup), but quickly moved to a tech startup in Santa Barbara CA (FindTheBest/Graphiq), which was acquired by Amazon Alexa AI in 2017. Since departing Amazon, he has started a RE development firm, a website (Truckinfo.net), and Tank Payments. He earned a Bachelors and Masters in Systems Engineering from the University of Pennsylvania.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/matthewrybak/", "x_url": "https://twitter.com/captainrybak", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1eed17c86d493beb4042fed9177133676521db76.jpg" } ], "jobs": [ { "id": 102422, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/tank-payments/jobs/AGM7jgV-software-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $165K", "equity_range": "0.10% - 0.25%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 102423, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/tank-payments/jobs/ugnOzaS-senior-software-engineer", "location": "Austin", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $220K", "equity_range": "0.10% - 0.25%", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Forbes 30 Under 30: Jad Rahbany", "url": "https://www.forbes.com/profile/jad-rahbany/?list=30under30-manufacturing-industry/", "date": "Dec 02, 2024" }, { "title": "Trucking fintech company Tank Payments nets economic empowerment prize - FreightWaves", "url": "https://www.freightwaves.com/news/trucking-fintech-company-tank-payments-nets-economic-empowerment-prize", "date": "Oct 19, 2023" } ], "launches": [ { "id": 65088, "title": "Tank Payments: The neobank built for trucking businesses", "tagline": "We get truckers paid faster.", "body": "We’re Dane, Jad, and Matt, and we’re excited to introduce Tank Payments.\n\n### **❌ The Problem**\n\nWhen truckers haul loads, shippers stipulate 30 to 90 day payment terms, which is too long for many trucking companies that operate on thin margins. To access cash faster (1-3 days), trucking companies sell their invoices to financing companies called “factors” for a 2-5% fee. Many truckers end up paying up to $40 in fees per invoice to wire money from their factors if they need cash from their factors immediately, meaning that **some truckers give up close to 10% of their income to get access to the money they’ve already earned.**\n\nMoney movement in freight is not efficient, causing truckers to stitch together a variety of tools (Cash App, local commercial banks, factoring, fuel cards, and more) to manage their businesses. Even the business that pay truckers (e.g. factors) use dated payments infrastructure, exacerbating delays. This leaves an opportunity for software that addresses these financial needs in a way that’s purpose-built for the freight industry.\n\n## **✨ Our Solution**\n\n![uploaded image](/media/?type=post&id=65088&key=user_uploads/793427/be064c4e-46a5-4172-8c84-dd10830f6b9a)\n\n**Tank Payments is a banking experience specifically designed for the freight industry, and its first feature allows truckers to get paid faster.** We give truckers instant access to their money by putting factors and truckers on the same financial infrastructure. Factoring companies partner with Tank because our infrastructure reduces their time spent on accounts payable, and helps them retain customers by offering a better funding experience.\n\nOver time, the Tank Payments will become the finance department for trucking SMBs, supporting the many unique financial requirements of freight businesses. We’ve pinpointed payroll, expense management, insurance, and P2P payments as areas of priority that our neobank is well-positioned to serve.\n\n![uploaded image](/media/?type=post&id=65088&key=user_uploads/793427/e85b3331-683f-4031-bd75-51747ce4bb4c)\n\nOur team worked together for the past 7 years, first at a startup (Graphiq, acq. 2017) and then at Amazon Alexa AI. We bring experience in financial services, data analytics, digital security, and natural language processing to a freight industry in the midst of a tech adoption boom.\n\n### **🙏 Asks**\n\n1. We would love to connect with founders and teams that have **experience embedding 1) payroll, 2) card rewards (e.g. fuel discounts), and 3) insurance into their software**.\n2. Tank wants to expand and distribute its neobank through entities that pay truckers, beyond factors. We want to learn more about how players like international freighters (e.g. Maersk), freight forwarding companies (e.g. Flexport), domestic shippers (e.g. Kroger’s Markets), and third-party logistics providers (e.g. C.H. Robinson) **perform payouts and if they could benefit from payment speed and/or coordination.**", "url": "https://www.ycombinator.com/launches/Gvo-tank-payments-the-neobank-built-for-trucking-businesses", "votes": 39, "created_at": "2022-08-03T05:00:27.064Z" } ] }, { "id": 26901, "name": "FlyCode", "slug": "flycode", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4cd904583699bd121334a407aea4c0921152f48a.png", "website": "https://www.flycode.com", "all_locations": "Boston, MA, USA", "long_description": "FlyCode helps subscription merchants maximize revenue. We reduce involuntary churn by managing payment failures intelligently.\r\n\r\nWe’re Jake, Etai, and Tzachi and we’re building FlyCode.\r\n\r\nTL;DR: If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.\r\n\r\n‘Involuntary’ or ‘Passive’ churn is a hidden Revenue Killer 💳 for Subscription Businesses\r\n\r\n❌ THE PROBLEM: Recovering Failed Payments is Complex\r\nInvoluntary churn refers to the loss of subscribers due to payment failures, not due to them actively canceling. While it is both possible and a worthwhile strategy to attempt to win back a customer during the cancellation process — involuntary churn is not intentional and in most cases, your customers aren’t even aware that their payment failed.\r\n\r\n💰 Bottom line?\r\nEffective payment optimization does reduce involuntary churn and will increase ARR by as much as 5-10%\r\n\r\nFLYCODE SOLUTION 💡\r\nFlyCode leverages ML and AI to provide Payment Optimization and smart payment retries to maximize subscription revenue and reduce churn. We apply a unique model tailored to each Merchant and their customers to ensure optimal results.\r\n\r\n⚡️Automatically recover failed subscription payments and reduce passive churn\r\n\r\n⚡️Use ML & AI based payment optimization to find the best time to charge your customers\r\n\r\n⚡️ Improve customer experience by coordinating payment retries with customer emails/SMS\r\n\r\n🛠️ We support OOTB + Custom Integrations for Merchants and White-Label for Platforms\r\n", "one_liner": "Recover failed subscription payments to increase retention and LTV", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1657031035, "tags": [ "Fintech", "Payments", "E-commerce", "Subscriptions", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/flycode", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/flycode.json", "year_founded": 2021, "city": "Boston", "country": "US", "linkedin_url": "https://www.linkedin.com/company/flycodehq", "x_url": "https://twitter.com/FlycodeHQ", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4cd904583699bd121334a407aea4c0921152f48a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 506517, "full_name": "Tzachi Davidovich", "title": "Founder", "founder_bio": "CEO & Cofounder FlyCode ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tzachidaviovich/", "x_url": "https://twitter.com/TzachiDav", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8c6e610f7a24a948cdf1257b93c7ca0f5e42d1a5.jpg" }, { "user_id": 735888, "full_name": "Etai Avrahami", "title": "Founder", "founder_bio": "CTO & Co-Founder at FlyCode", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/etaia", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c84c40b1b39246056be5110c632239951af7825b.jpg" }, { "user_id": 651566, "full_name": "Jake Vacovec", "title": "Founder", "founder_bio": "Co-Founder at FlyCode", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jake-p-vacovec-28417869/", "x_url": "https://twitter.com/jvacovec", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b708841106d1c7adb6bedad02a3a7eab37769ecb.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 92902, "title": "🪄 FlyCode - increase Stripe revenue, by leveraging backup cards ✨", "tagline": "TL;DR:  We’re launching a new product helping Stripe customers to boost revenue with backup payments method. Netflix and Amazon do this—now every SaaS can too.", "body": "👋 Hey everyone, this is [Jake](https://www.linkedin.com/in/jake-p-vacovec/), [Etai](https://www.linkedin.com/in/etaia/) and [Tzachi](https://www.linkedin.com/in/tzachidaviovich/). We’re the co-founders of [FlyCode](https://www.flycode.com/)\n\n**TL;DR:**  We’re launching a new product helping Stripe customers to boost revenue with backup payments method. Netflix and Amazon do this—now every SaaS can too.\n\n[FlyCode](https://www.flycode.com/) makes it easy for AI and SaaS companies to recover lost revenue due to failed payments and involuntary churn - a major hidden revenue killer.\n\n**❌ THE PROBLEM: no easy way to leverage backup cards**\n\nWhen a customer’s default card fails and you exhausted retries, the subscription will be cancelled (often after 30 days). It means lost revenue and churn.\n\n**FLYCODE SOLUTION 💡**\n\nFlyCode automatically attempts payment recovery using backup cards during that 30-day window, before the subscription gets cancelled.\n\n**The ask?** Get our Stripe app:\n\nhttps://marketplace.stripe.com/apps/flycode-payments\n\nFREE payment audit. No code changes. No manual workflows. No service disruption.\n\n![uploaded image](/media/?type=post&id=92902&key=user_uploads/506517/f39e78ef-0478-4193-b6ad-be71e8247777)\n\n**It’s the industry standard for large SaaS**\n\nWe’ve seen an 18%–20% increase in payment recovery rates with our recovery and with this new product. Companies like Netflix and Amazon have always done this internally, but it hasn’t been accessible to smaller SaaS companies until now.\n\n**Get the [Stripe app](https://marketplace.stripe.com/apps/flycode-payments) or Email us at [hello@flycode.com](mailto:hello@flycode.com) for feedback**", "url": "https://www.ycombinator.com/launches/OAQ-flycode-increase-stripe-revenue-by-leveraging-backup-cards", "votes": 26, "created_at": "2025-08-12T00:20:58.000Z" }, { "id": 77964, "title": "🪄 FlyCode: Recover failed payments with AI to increase ARR growth ✨", "tagline": "If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.", "body": "**Hey YC Community 👋**\n\nWe’re Jake, Etai, and TD and we’re building [**FlyCode**](https://www.flycode.com/).\n\n**TL;DR:** If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.\n\n‘Involuntary’ or ‘Passive’ churn is a hidden Revenue Killer 💳 for Subscription Businesses\n\n> **20%-40% of a Merchants ARR is lost due to payment failures, errors like insufficient funds or processing errors. Most rely on brute force or fixed-interval retry strategies, a legacy approach that ultimately reduces retry success rates and increases customer churn.**\n\n![uploaded image](/media/?type=post&id=77964&key=user_uploads/506517/509fe9ac-1daf-4b13-b551-44c1c9240a1b)\n\n### **❌ THE PROBLEM: Recovering Failed Payments is Complex**\n\nInvoluntary churn refers to the loss of subscribers due to payment failures, not due to them actively canceling. While it is both possible and a worthwhile strategy to attempt to win back a customer during the cancellation process — involuntary churn is not intentional and in most cases, your customers aren’t even aware that their payment failed.\n\n### **💰 Bottom line?**\n\nEffective payment optimization does reduce involuntary churn and will increase ARR by as much as 5-10%\n\n### 🎟 **What causes payment failures and involuntary churn?**\n\nThere’s no single cause of this problem that can be isolated. In fact, there are dozens of reasons \\[insufficient funds, fraud, expired cards, AVS, SCA, invalid card, etc.\\], and solutions to each failure need to be applied individually. Let’s look at a few examples:\n\n1. **Batch Processing and Fixed-Interval Retries.** The majority of subscription payments and retries are processed in bulk during off-hours. If your customers are based in multiple time zones, this can increase payment failures and reduce the success rate of retries. Remember when you had to notify your bank when you were traveling? The concept is the same, a 3am charge is more likely to get flagged as fraud than a 9am charge.\n2. **Expired Cards or Invalid Card Numbers:** These are frustrating because you think you have to ask your customers to do something, surprisingly there are many cases when you don’t. When you lose a credit card and replace it, do you ever wonder how Netflix still manages to charge you? It’s all thanks to Card Account Updater and Network Tokenization — if you don’t have it implemented, it’s an easy win.\n3. **Customers with Insufficient Funds:** Timing is a critical factor, especially with these types of errors. If they don’t have funds, don’t force it. When retry attempts are spread out or targeted around periods of the month when cash inflow is expected, success rates will go up.\n4. **Payments that are incorrectly classified as fraud:** This can cause financial losses, as well as a negative impact on customer experience. It is important to prevent those legitimate payments from failing.\n\n\\-\n\n# **FLYCODE SOLUTION 💡**\n\n[**FlyCode**](https://www.flycode.com/) leverages ML and AI to provide Payment Optimization and smart payment retries to maximize subscription revenue and reduce churn. We apply a unique model tailored to each Merchant and their customers to ensure optimal results.\n\n⚡️**Automatically** recover failed subscription payments and reduce passive churn\n\n⚡️Use ML & AI based payment optimization to find the **best time** to charge your customers\n\n⚡️ Improve **customer experience** by coordinating payment retries with customer emails/SMS\n\n🛠️ We support **OOTB + Custom Integrations** for Merchants and White-Label for Platforms\n\n![uploaded image](/media/?type=post&id=77964&key=user_uploads/506517/f44a3ddb-06e1-4e78-9bf5-b7fa76a555bf)\n\n### **We’d love your support 🍻**\n\n* **\\[FREE\\] 🎯** Let FlyCode analyze your payment health and show you how much revenue can be recovered \n* Email us for feedback and partnership [hello@flycode.com](mailto:hello@flycode.com)", "url": "https://www.ycombinator.com/launches/KHU-flycode-recover-failed-payments-with-ai-to-increase-arr-growth", "votes": 50, "created_at": "2024-01-30T16:01:41.702Z" }, { "id": 65130, "title": "FlyCode: Recover failed payments with AI to increase ARR growth", "tagline": "🧑‍🚀 On a mission to help developers increase their teammate's autonomy", "body": "**Hey YC Community 👋**\n\nWe’re Jake, Etai, and TD and we’re building [**FlyCode**](https://www.flycode.com/).\n\n**TL;DR:** If you sell SaaS or B2C subscriptions, we’re here to help you recover lost revenue due to failed payments and involuntary churn.\n\n“Involuntary” churn is a hidden Revenue Killer 💳 for Subscription Businesses\n\n> **8%-10% of a Merchants ARR is lost due to payment failures, errors like insufficient funds or processing errors. Most rely on brute force or fixed-interval retry strategies, a legacy approach that ultimately reduces retry success rates and increases customer churn.**\n\n![uploaded image](/media/?type=post&id=65130&key=user_uploads/506517/4591dae8-f05f-4314-b44a-c60d3e4e6d85)\n\n### **❌ THE PROBLEM: Recovering Failed Payments is Complex**\n\nInvoluntary churn refers to the loss of subscribers due to payment failures, not due to them actively canceling. While it is both possible and a worthwhile strategy to attempt to win back a customer during the cancellation process — involuntary churn is not intentional and in most cases, your customers aren’t even aware that their payment failed.\n\n### **💰 Bottom line?**\n\nEffective payment optimization does reduce involuntary churn and will increase ARR by as much as 8-10%\n\n### **🎟 What causes payment failures and involuntary churn?**\n\nThere’s no single cause of this problem that can be isolated. In fact, there are dozens of reasons \\[insufficient funds, fraud, expired cards, AVS, SCA, invalid card, etc.\\], and solutions to each failure need to be applied individually. Let’s look at a few examples:\n\n1. **Batch Processing and Fixed-Interval Retries.** The majority of subscription payments and retries are processed in bulk during off-hours. If your customers are based in multiple time zones, this can increase payment failures and reduce the success rate of retries. Remember when you had to notify your bank when you were traveling? The concept is the same, a 3am charge is more likely to get flagged as fraud than a 9am charge.\n2. **Expired Cards or Invalid Card Numbers:** These are frustrating because you think you have to ask your customers to do something, surprisingly there are many cases when you don’t. When you lose a credit card and replace it, do you ever wonder how Netflix still manages to charge you? It’s all thanks to Card Account Updater and Network Tokenization — if you don’t have it implemented, it’s an easy win.\n3. **Customers with Insufficient Funds:** Timing is a critical factor, especially with these types of errors. If they don’t have funds, don’t force it. When retry attempts are spread out or targeted around periods of the month when cash inflow is expected, success rates will go up.\n4. **Payments that are incorrectly classified as fraud:** This can cause financial losses, as well as a negative impact on customer experience. It is important to prevent those legitimate payments from failing.\n\n\\-\n\n# **FLYCODE SOLUTION 💡**\n\n[**FlyCode**](https://www.flycode.com/) leverages ML and AI to provide Payment Optimization and smart payment retries to maximize subscription revenue and reduce churn. We apply a unique model tailored to each Merchant and their customers to ensure optimal results.\n\n⚡️**Automatically** recover failed subscription payments and reduce passive churn\n\n⚡️Use ML & AI based payment optimization to find the **best time** to charge your customers\n\n⚡️ Improve **customer experience** by coordinating payment retries with customer emails/SMS\n\n🛠️ We support **OOTB + Custom Integrations** for Merchants and White-Label for Platforms\n\n### **We’d love your support 🍻**\n\n* **\\[FREE\\] 🎯** Let FlyCode analyze your payment health and show you how much revenue can be recovered https://www.flycode.com/churn-audit-failed-payments\n* Email us for feedback and partnership [hello@flycode.com](mailto:hello@flycode.com)", "url": "https://www.ycombinator.com/launches/GwU-flycode-recover-failed-payments-with-ai-to-increase-arr-growth", "votes": 120, "created_at": "2022-08-04T12:23:08.639Z" } ] }, { "id": 27048, "name": "Payfura", "slug": "payfura", "former_names": [ "Rampay" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/63716659153a382d18dd3ed5667bcd754a6aa1c4.png", "website": "https://www.payfura.com", "all_locations": "Delaware City, DE, USA; Delhi, DL, India; Remote", "long_description": "Payfura is a fiat<>crypto on/off ramp payment gateway for web3 applications. We are a bridge between fiat and crypto so web3 applications can seamlessly onboard users across different geographies with local payment methods.\r\n\r\nKey Features:\r\n- Currencies supported: 150+ fiat currencies, 100+ crypto currencies.\r\n- Regions supported: US, Europe, LATAM, SEA, Africa.\r\n- Payment methods: Credit/Debit cards, E-wallets, Bank transfers and many more.\r\n- Partner Dashboard: A powerful dashboard for partners to get detailed insights and analytics for their orders\r\n- Handle KYC and AML compliances of local regions.\r\n- API and SDK integration.", "one_liner": "Global payment gateway to buy/sell crypto", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1655701269, "tags": [ "DeFi", "Fintech", "SaaS", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Inactive", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "India", "America / Canada", "South Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/payfura", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/payfura.json", "year_founded": 2022, "city": "Delaware City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/payfura/", "x_url": "https://twitter.com/payfura", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/63716659153a382d18dd3ed5667bcd754a6aa1c4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1010150, "full_name": "Gajendra Khatri", "title": "Founder", "founder_bio": "Head of Engineering | YC Founder (S22) | AI Agents, RAG, MCP, LLM Orchestration | Node.js, TypeScript, Python | Built 0→1 at Payfura & ExpaHealth | Distributed Systems | Kubernetes | Crypto/Fintech | Open to Remote Roles", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/gajendra-khatri-9955a14a/", "x_url": "https://twitter.com/gkhatri94", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a6a069e08fd8194ae761506ab26df347c36477cc.jpg" }, { "user_id": 852362, "full_name": "Sagar Agarwal", "title": "Founder", "founder_bio": "CTO at Payfura", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/sagar-agarwal-625317a1/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/725968fd96a1729ec2ccf2355bc42e7299c87e99.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 65348, "title": "Rampay - Fiat<>Crypto on/off ramp payment gateway for web3 applications.", "tagline": "Our state of the art APIs makes it seamlessly easy for web3 applications to allow conversion of fiat to crypto and vice-versa on their platform.", "body": "Hi All, we are [Gajendra](https://www.linkedin.com/in/gajendra-khatri-9955a14a/) & [Sagar](https://www.linkedin.com/in/sagar-agarwal-625317a1/), we are super excited to introduce [Rampay](https://rampay.io/)!\n\n### **🚀TL;DR**\n\n[Rampay](https://rampay.io) allows web3 applications like crypto exchanges, wallets, NFT marketplaces etc. to enable their users to convert fiat to crypto and vice-versa using local payment methods of a region.\n\nThe compliance requirements regarding KYC and AML are handled within the solution and the integration is available over API and widget.\n\n### **❓Problem**\n\n* Web3/Blockchain applications need a seamless bridge between fiat and crypto to onboard users globally.\n* Lack of buying/selling crypto with local payment methods of a region.\n* High platform fees and price spread in the existing solutions.\n\n### **🎯Solution**\n\nAt Rampay we are building a next generation payment infrastructure to on/off ramp crypto with fiat, so our partners can grow business across different geographies in a compliant way by just integrating with us. Key features are:\n\n* **Currencies supported**: 150+ fiat currencies, 100+ crypto currencies.\n* **Regions supported**: US, Europe, LATAM, SEA, Africa.\n* **Payment methods**: Credit/Debit cards, SEPA, Apple pay, Google pay, E-wallets, Bank transfers and many more.\n* **Partner Dashboard:** A powerful dashboard for partners to get detailed insights and analytics for their orders\n* Handle KYC and AML compliances of local regions.\n* API and IFrame integration.\n\n### **🚀Flow**\n\n![uploaded image](/media/?type=post&id=65348&key=user_uploads/1010150/a163675c-2eaf-4b33-be5f-5cbdab7c5e60)\n\n![uploaded image](/media/?type=post&id=65348&key=user_uploads/1010150/369310e3-5db1-4d51-84c9-5eb05a97c1f9)\n\n### **📒Backstory**\n\nBoth the founders have around 7 years of experience in the software engineering field, we have worked with small startups to big MNCs, we have been involved in the blockchain space for 4 years now.\n\nAfter having worked with web3 companies, we understood that allowing users to convert their fiat to crypto is a big pain point hindering growth of these companies and solving this requires a lot to be done on the compliance/regulatory side.\n\nAlso, we believe onboarding next billion users to web3 could not be achieved without there being a platform which allows seamless  conversion of fiat to crypto and vice versa with local payment methods of a region.\n\n### **💁Ask**\n\n1. If you are a web3 application looking out for an on/off ramp solution. Do reach out!\n2. If you have built fiat rails for emerging market, we would like to partner with you. Do reach out!\n3. If you have build a crypto liquidity solution, we would like to partner with you. Do reach out!\n\nPlease reach out to us at [gajendra@rampay.io](mailto:gajendra@rampay.io) or message us on [Linkedin](https://www.linkedin.com/in/gajendra-khatri-9955a14a/).\n\n### **Thanks**\n\nFeel free schedule a chat/demo with us at . Feedback is very welcome!", "url": "https://www.ycombinator.com/launches/H00-rampay-fiat-crypto-on-off-ramp-payment-gateway-for-web3-applications", "votes": 38, "created_at": "2022-08-13T18:19:59.713Z" } ] }, { "id": 27049, "name": "Anchor", "slug": "anchor", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d9e510d39cddedba8ade2150d4c3b5cb572aa10.png", "website": "https://getanchor.co/", "all_locations": "Lagos, LA, Nigeria; LA, Nigeria", "long_description": "Anchor provides APIs, dashboard and tools that help developers easily embed and build banking products. This includes APIs for creating bank accounts, funds transfers, savings products, issuing cards and offering loans.\r\n\r\nWe also provide regulatory coverage and continuous compliance support to our partners.", "one_liner": "Embedded finance platform for African businesses", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1660159414, "tags": [ "Banking as a Service", "Fintech", "Payments", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/anchor", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/anchor.json", "year_founded": 2022, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/getanchor/", "x_url": "https://twitter.com/withanchor", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4d9e510d39cddedba8ade2150d4c3b5cb572aa10.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 1013452, "full_name": "Segun Adeyemi", "title": "Founder", "founder_bio": "Segun is the CEO & Co-founder of Anchor, the BaaS and embedded finance platform for Africa. He is an entrepreneur with years of experience in the African fintech space. He previously co-founded Amplifypay, a payment company that he sold in 2019 and helped JUMO expand into Nigeria.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/segunadeyemi/", "x_url": "https://twitter.com/segunhq", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/06e1a34db0714b0d07368961fbc16a5ea37f2754.jpg" }, { "user_id": 571824, "full_name": "GBEKELOLUWA OLUFOTEBI", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://nl.linkedin.com/in/olufotebig", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/97ed80bafc2987d9c0e0ffe038ce8b8808b34a62.jpg" }, { "user_id": 1013961, "full_name": "Olamide Sobowale", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/olamide-sobowale-4677a261/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e831db026386a761c793766a60416822fd47ed0a.jpg" } ], "jobs": [], "news": [ { "title": "Nigerian banking-as-a-service startup Anchor raises $1m pre-seed round - Disrupt Africa", "url": "https://disrupt-africa.com/2022/09/02/nigerian-banking-as-a-service-startup-anchor-raises-1m-pre-seed-round/", "date": "Sep 02, 2022" }, { "title": "Nigerian YC-backed startup Anchor comes out of stealth with $1M+ to scale its banking-as-a-service platform – TechCrunch", "url": "https://techcrunch.com/2022/08/29/nigerian-yc-backed-startup-anchor-comes-out-of-stealth-with-1m-to-scale-its-banking-as-a-service-platform/", "date": "Aug 29, 2022" } ], "launches": [ { "id": 65296, "title": "Anchor - Banking as a service platform for Africa", "tagline": "Build accounts, cards, savings and payments into any app! 🚀", "body": "Hey YC Fam! 👋\n\nSegun, Olamide and Gbeke here to introduce [Anchor](https://bookface.ycombinator.com/company/27049)!\n\n**_TL;DR_: Anchor makes it easy to offer accounts, money movement, savings and card products in Africa. We provide APIs, dashboard and regulatory support for developers to build, embed and launch banking products.**\n\nCheck out our documentation [here](https://docs.getanchor.co/reference/overview) & request invite [here](https://airtable.com/shr4yvnnM9obXKhVe).\n\nWe released our private beta in May. We’ve signed-on 30+ companies including the largest telco in Africa and YC companies like [Fingo](https://bookface.ycombinator.com/company/23986), [Pivo](https://bookface.ycombinator.com/company/27262), [Tizeti](https://bookface.ycombinator.com/company/1442), [Curacel](https://bookface.ycombinator.com/company/25684), etc.\n\n**Why we built this**\n\nAcross Africa today, businesses spend \\~$0.5m and wait 18months before they can go to market with simple banking products. \n\nThis is because they have to cross many hurdles including:\n\n1. rigorous licensing and compliance processes; \n2. build many integration layers; \n3. manage complex banking and third party relationships; and \n4. invest in complicated core-banking infrastructure\n\nAs founders, we witnessed these pain first-hand in our experience building and working with fintechs. \n\nWe built Anchor to abstract away the complexities, so businesses can get started in 5minutes with a few lines of code.\n\n![uploaded image](/media/?type=post&id=65296&key=user_uploads/1013452/304627b7-0a38-43d9-a652-516420774395)\n\n**Who we are**\n\nWe are repeat founders with experience in the fintech space. Segun sold his previous payment company to [Carbon](https://getcarbon.co) and worked at [JUMO](https://jumo.world/). Olamide & Gbeke have worked with top African fintechs like [Kuda](https://kuda.com/), Carbon, and [TeamApt](https://teamapt.com/), and global tech giants like Google and [Booking.com](http://Booking.com).\n\n**Our ask 🙏**\n\n1. Contact us if you want to offer wallets, accounts, cards or savings products to your African customers.\n2. Connect us with digital businesses (fintechs, Saas companies, marketplaces/e-commerce platforms, etc).  \\\n \\[\\*\\*_\\* Quick forwardable blurb_\\*\\*_: A team of YC-backed, fintech engineers recently released an API to help developers build banking products. Check them out at_ [_getanchor.co_](http://getanchor.co) _and contact_ [_founders@getanchor.co_](mailto:founders@getanchor.co)_\\]_\n\n ", "url": "https://www.ycombinator.com/launches/GzA-anchor-banking-as-a-service-platform-for-africa", "votes": 19, "created_at": "2022-08-11T13:36:59.717Z" } ] }, { "id": 27137, "name": "PrimeVault", "slug": "primevault", "former_names": [ "Exchecker", "Excheqr" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c063ef6501ec4e09baa9f49d2abc635ba2fa65b8.png", "website": "https://www.primevault.com", "all_locations": "Bengaluru, KA, India; Remote", "long_description": "PrimeVault is the all-in-one digital asset and stablecoin platform for enterprises and financial institutions. Built for modern finance, PrimeVault combines secure wallets, programmable treasury, compliance, and market access in one seamless solution. \r\n\r\nWith robust security and modular infrastructure, PrimeVault empowers institutions to issue, manage, and move digital assets at scale.\r\n\r\nDiscover how we makes digital asset finance simple at primevault.com.", "one_liner": "Infrastructure powering stablecoin and digital finance", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Asset Management", "launched_at": 1659127326, "tags": [ "Fintech", "Crypto / Web3", "Payments", "B2B", "Infrastructure" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Asset Management" ], "regions": [ "India", "South Asia", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/primevault", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/primevault.json", "year_founded": 2022, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/primevault", "x_url": "https://twitter.com/primevaultHQ", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/excheqr", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c063ef6501ec4e09baa9f49d2abc635ba2fa65b8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 982839, "full_name": "Prashant Upadhyay", "title": "Founder", "founder_bio": "Co-founder @ PrimeVault - turnkey technology platform for enterprises and financial institutions to launch and scale their digital assets use case: stablecoin-powered payments and issuance, RWA tokenization, crypto trading / brokerage and more. Formerly, first PM @ Rippling (YC W17) building and scaling payroll, payments, compliance, risk and accounting products. Math, payments and travel nerd.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/prashant-upadhyay/", "x_url": "https://twitter.com/prashantupd", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/17bbdd3ebf93ec39702cd94d4953478a00f5aa0c.jpg" }, { "user_id": 587423, "full_name": "Vivek Kumar", "title": "Founder", "founder_bio": "Co-founder @ PrimeVault,\nFormer Tech lead at Rippling", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vivek-kumar-578013119/", "x_url": "https://twitter.com/vivek_kumar_15", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/201e6eab4b6bcbcb45124b879c90179fe3e3a9b3.jpg" } ], "jobs": [ { "id": 65428, "title": "Full-time Backend Engineer", "url": "https://www.ycombinator.com/companies/primevault/jobs/zH4amoV-full-time-backend-engineer", "location": "IN / Remote (IN)", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$40K - $45K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 79609, "title": "Marketing & Growth Lead ", "url": "https://www.ycombinator.com/companies/primevault/jobs/3FXwQzR-marketing-growth-lead", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN / Dubai, Dubai, AE", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$20K - $34K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "YC-backed PrimeVault Builds the Future of Institutional DeFi - Decrypt", "url": "https://decrypt.co/154919/yc-backed-primevault-builds-the-future-of-institutional-defi", "date": "Sep 04, 2023" }, { "title": "Enterprise insights from YC S22 Demo Day | Wing Venture Capital", "url": "https://www.wing.vc/content/enterprise-insights-from-yc-s22-demo-day", "date": "Sep 15, 2022" }, { "title": "Crypto and web3 stands out in the YC Summer 2022 batch", "url": "https://techcrunch.com/2022/09/07/y-combinator-crypto-investment-summer-2022/", "date": "Sep 07, 2022" } ], "launches": [] }, { "id": 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": 27674, "name": "OneText", "slug": "onetext", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9918e6f95f34bd512b7ab9b29b23ebfc3b8a58dd.png", "website": "https://onetext.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "OneText is disrupting SMS marketing and payments. We win incremental sales for direct to consumer brands by making every purchase as effortless as paying with your hotel room number. OneText shoppers literally reply and buy with one text.\r\n\r\nIn our first year, we’ve onboarded 50 fast-growing e-commerce brands and have added as much as 14% in incremental revenue to their bottom lines. In March, we generated $597,000 dollars in payments. In April, we’ll book $50,000 dollars in revenue. \r\n\r\nFounders Jonathan Fudem/CEO and Daniel Brain/CTO met at PayPal Checkout where we designed and launched some of the world’s best checkout experiences. We left PayPal to build a payments company that actually helps merchants acquire customers and win sales.\r\n\r\nThe CMO of our largest customer, a $90M clothing brand, says we have revolutionized marketing for his company, and are, quote: “the best thing that’s happened to SMS marketing in forever.”\r\n\r\nWe are excited to share what you can do with OneText.", "one_liner": "Frictionless payments via SMS", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1666741733, "tags": [ "Fintech", "Payments", "Consumer", "B2B", "E-commerce" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": true, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.\n", "answer": "Shop and buy with one text" }, { "question": "What is your company going to make? Please describe your product and what it does or will do.\n", "answer": "OneText makes commerce frictionless by turning every phone number into a card on file. Our text to buy product for Direct to Consumer brands drives 10X as many sales as conventional SMS marketing.\r\n\r\nWe bring together automation, communication and payments to create an unmatched sales tool. Shoppers literally reply and buy with one text." } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/onetext", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/onetext.json", "year_founded": 2021, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/shop-with-onetext/", "x_url": "https://twitter.com/OneText", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9918e6f95f34bd512b7ab9b29b23ebfc3b8a58dd.png", "app_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/bf-public_profile/27728/app_video.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAQC4NIECAPNM4H2ZD%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022709Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEHEaCXVzLXdlc3QtMiJIMEYCIQC39P4yQgLmT71RDgpP7SzleQQnonC709CIthldibwFEQIhAIaTmz7itB2BSOcbLvHSEqR5atrCru8331p2nxswpFPlKuUDCDoQABoMMDA2MjAxODExMDcyIgyIHFNA%2BoAC3h6UfhkqwgMWrnQPAwVxcPSn8YGKQ67Z0i8w7sabSqzPmNg6qiVIbYfg3K4FwKrIr3%2BTMgYX%2F%2BeX%2Bpa1NffuFltcS%2FaD5i3P1PA7HKH7LJyFtww7k%2BA5KO%2BhkePkfgEpsky%2B%2BePphwBgc9LL2ObqwtvM0EqR2dvmGwK0pOjv9X9%2BotFVgCBEydgR1IOnYN56T1k%2BOXenbO9d9Elhw1Z78OO2wXYiR75z4yo1s5wz6zr4twai2ELFmfsMX3W7R4ZZZe%2FltqATVqoeN%2FywW0mOfO0EHxXkvuMbE2ccH5poFJFhBb8IND4h0Y0gH2T23H64cQtXSV4AJYWTQ9iYcaV%2Bwd8ByovUNO3fYdg187s5BLUfU6Jqn%2By5CtTj18WZzbB9V4IJIDVws7aW1cDLr1nbZLZ69tv7aAhMwPgsaLz1uFXCVWijHk29oa4VVNLMHAyfE6%2FTVNP0MjolUOhxV9p7md%2BhVVj5DiVMg%2FtlzSKh2keTbpP3xzzrXmlnSljux%2BPIztNqkDf3jvu4gdCKV3knadzxbWZoxCCNtJ2mZf3hqB7qsmn0%2Fj2keORPeqosWjC%2BM1Yvo7staxmYofRhKRaufjshsfrZz9fARksw5%2F3a1gY6pAGKRpigvHO1ZInNRWL4VQjhyvyyI4jWG5oD9NiiTxRQkTVPRsVYZrMtNGSYxvbfyty52pgjuw%2FBLRGM361snatBfs2Y4YLb7qqHcAHDCD1xDcZbIqioGiGF6I0iKm%2Bj4lDuUpeY4bb92wwFFie%2FgZRgfL%2FkayhSZmr4ZeWf%2FGCpxzwDak8O1KvjgDMiuzmVtIhavK0gyCxgFPfLUd0luRL5fYuYrg%3D%3D&X-Amz-SignedHeaders=host&X-Amz-Signature=36a0bfa01a070cad2599f4708e24fe1629e5a1c2f7ef476442f1206f6c55b4de", "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 280952, "full_name": "Jonathan Fudem", "title": "Founder", "founder_bio": "Building frictionless payments by SMS @ OneText\n- 🌁San Francisco native\n- 🧱 Previously worked in product at PayPal Checkout\n- ⚔️ Once broke into windmill with a sword\n- 🚀 Future space tourist", "is_active": true, "linkedin_url": "http://linkedin.com/in/jonathanfudem/", "x_url": "http://twitter.com/jfudem", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/59089bd77a3651330ecd9000b08a61d62ec59f23.jpg" }, { "user_id": 252253, "full_name": "Daniel Brain", "title": "Founder", "founder_bio": "I'm an engineer, I write code, sometimes that code works!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bluepnume/", "x_url": "https://twitter.com/bluepnume", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/47010bba27e299325d879214a3201667cf79dac2.jpg" } ], "jobs": [], "news": [ { "title": "OneText raises $4.5M from Y Combinator, Khosla to reinvent shopping by text | TechCrunch", "url": "https://techcrunch.com/2025/07/08/onetext-raises-4-5m-from-y-combinator-khosla-to-reinvent-shopping-by-text/", "date": "Jul 08, 2025" } ], "launches": [] }, { "id": 27714, "name": "Palomma", "slug": "palomma", "former_names": [ "Pagaa" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6efa2d71f0a1a589e982662a2f6c1a1eab9c259b.png", "website": "http://www.palomma.com/", "all_locations": "Medellín, Antioquia, Colombia", "long_description": "Palomma is building the AI-native bank for real estate in LatAm. We start with AI agents for property managers (leasing, sales, collections), then add payments to own the flow of rent. This unlocks credit and insurance products to monetize on the $235Bn of rental flows from tenants and landlords.", "one_liner": "AI & financial services for real estate in LatAm, starting by rent", "team_size": 8, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction", "launched_at": 1677732513, "tags": [ "SaaS", "Payments", "Finance", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Real Estate and Construction" ], "regions": [ "Colombia", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/palomma", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/palomma.json", "year_founded": 2023, "city": "Medellín", "country": "CO", "linkedin_url": "https://www.linkedin.com/company/palomma/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6efa2d71f0a1a589e982662a2f6c1a1eab9c259b.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": 981886, "full_name": "Cipriano Echavarria", "title": "Founder", "founder_bio": "Colombian & Blue Devil (Go Duke!). Ex-Morgan Stanley, then helped scale Nubank into LatAm’s largest consumer bank.\n\nNow building the AI-native bank for real estate in LatAm, starting by rent.\n\nAvid soccer fan & squash player.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cipriano-echavarria-3729a9105/", "x_url": "https://twitter.com/ciprianoec11", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9be39bfc98063743b27b2b6010d723f7fbeb7446.jpg" }, { "user_id": 1161238, "full_name": "Nicolas Gomez del Campo", "title": "Founder", "founder_bio": "Mexican engineer building simpler bank payments for LatAm. I studied Computer Science at MIT and previously worked at JP Morgan developing systems for algorithmic trading. I enjoy training jiu jitsu in my free time.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ngomezdelcampo/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/70c7791ddaae161613ee7d1390e2bf5f784eb2e7.jpg" }, { "user_id": 1158727, "full_name": "Felipe Monsalve", "title": "Founder", "founder_bio": "Felipe Monsalve is a technical co-founder at Palomma. He moved from Colombia for his Bachelor's in CS & Econ, and stayed for his Master's in CS. In between schooling, and over the summers, he's gotten industry experience @ Meta, Bloomberg, and a few US + Latin American startups. More recently, at MIT, Felipe worked on a system for medical reporting of human rights violations in places with poor healthcare access. He's passionate about new technology and its impact on individuals.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/felipemon/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5ded4d5d77d7c0ebf99f781150bb95c58c11a85f.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 70053, "title": "Palomma 🕊️ - Frictionless Pay by Bank for LatAm", "tagline": "Frictionless Pay by Bank for LatAm! ", "body": "**TLDR**\n\n[Palomma](https://www.palomma.com/) helps online merchants and apps in LatAm save 70-80% on card processing fees and increase conversions, by enabling frictionless Pay by Bank for their customers (consumers and/or businesses).\n\n**The problem**\n\n1. Receiving card payments is expensive for merchants, it costs them between 2 to 5% per transaction\n2. Receiving the cheaper alternative, Pay by Bank, poses several frictions:\n 1. **Low conversion:** multiple steps are required to checkout via existing Pay by Bank solutions, resulting in a \\~40% failure rate\n 2. **Non-recurrent:** different from cards, existing Pay by Bank alternatives are hard to enable for recurring payments, requiring complex direct integrations with local banks\n 3. **Confirmation:** confirming a bank payment requires checking bank accounts in real-time, or trusting the proof of confirmation sent by the customer (fraud-prone)\n 4. **Reconciliation:** existing Pay by Bank data is cryptic: i.e., “68068407595”, making reconciliation difficult\n\n**The solution:**\n\nA single API and platform that allows online merchants or apps across LatAm (starting with Colombia) to receive frictionless Pay by Bank payments\n\n1. **Higher conversion:** 30-40% more conversion with frictionless Pay by Bank\n2. **Recurrent:** easily enable recurrent Pay by Bank payments\n3. **Confirmation:** allow your employees to instantly confirm bank payments via our dashboard and WhatsApp / email notifications\n4. **Easy reconciliation:** clearly identify each Pay by Bank payment in our dashboard\n\n![uploaded image](/media/?type=post&id=70053&key=user_uploads/981886/c6212d2c-0c67-4542-a1d7-0e4973f1567d)\n\n_PD: we´re also working on frictionless cash-out bank payments through our API & platform ;) 🔜_\n\n**Why are we building this?**\n\nDuring his time at Nubank, [Cipriano](https://www.linkedin.com/in/cipriano-echavarria-3729a9105/) personally saw the pain experienced by online merchants and apps with high card processing fees, and the friction around the cheaper, Pay by Bank alternatives.\\\n\\\nWith [Pipe](https://www.linkedin.com/in/felipemon/) & [Nico](https://www.linkedin.com/in/ngomezdelcampo/)´s tech, we´re changing that 🕊️\n\n**The ask:**\n\n1. If you’re an online merchant or app in LatAm looking to save on card processing fees, & receive Pay by Bank in a frictionless way, contact us: [cipriano@palomma.com](mailto:cipriano@palomma.com), or **\\+573146450404**\n2. Connect us to online merchants or apps in LatAm: [cipriano@palomma.com](mailto:cipriano@palomma.com), or **\\+573146450404**\n\n**YC deal:**\n\n1. **No fee:** 0$ in fees for the first 5000 transactions through Palomma for YC companies (or referrals of YC companies)", "url": "https://www.ycombinator.com/launches/IDt-palomma-frictionless-pay-by-bank-for-latam", "votes": 32, "created_at": "2023-03-08T18:59:35.984Z" } ] }, { "id": 27841, "name": "Bujeti", "slug": "bujeti", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/62a7ef894596096ec275d7930a661da71c364631.png", "website": "https://www.bujeti.com", "all_locations": "Paris, Île-de-France, France; Remote", "long_description": "Control spending, process payments, manage payroll, and multi-currency operations with approval workflows, total visibility and control, from one unified platform", "one_liner": "The Finance Control Centre for African Businesses", "team_size": 35, "industry": "B2B", "subindustry": "B2B -> Finance and Accounting", "launched_at": 1673189707, "tags": [ "Fintech", "SaaS", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Finance and Accounting" ], "regions": [ "France", "Europe", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bujeti", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/bujeti.json", "year_founded": 2021, "city": "Paris", "country": "FR", "linkedin_url": "https://www.linkedin.com/company/bujeti", "x_url": "https://twitter.com/Bujetihq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/62a7ef894596096ec275d7930a661da71c364631.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 156795, "full_name": "Achille AROUKO", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://linkedin.com/in/achille-arouko", "x_url": "https://twitter.com/alekaizer", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/01307d9c3411ba249b3b7b3fabc88b74d656b1ea.jpg" }, { "user_id": 882789, "full_name": "Samy Chiba", "title": "Founder", "founder_bio": "COO at Bujeti ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samychiba/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5d565bd8ec98695b5319331f901c48d289a0247a.jpg" } ], "jobs": [], "news": [ { "title": "Bujeti launches AI agents to automate routine finance work", "url": "https://techcabal.com/2026/09/16/bujeti-launches-ai-agents-to-handle-finance-work/", "date": "Sep 16, 2026" }, { "title": "Bujeti launches payroll to drive financial control for African businesses | TechCabal", "url": "https://techcabal.com/2026/05/21/bujeti-payroll-for-african-businesses/", "date": "May 21, 2026" }, { "title": "Bujeti launches tax management solution as Nigeria's reforms shape | Business Insider Africa", "url": "https://africa.businessinsider.com/local/markets/bujeti-launches-tax-management-solution-as-nigerias-reforms-shape/yegcdn1", "date": "Feb 12, 2026" }, { "title": "Bujeti to Power Financial Inclusion for 10M Nigerians", "url": "https://punchng.com/bujeti-signs-partnership-with-presidential-committee-to-power-financial-inclusion-for-10-million-nigerians/", "date": "Feb 06, 2026" }, { "title": "YC-backed fintech Bujeti raises $2M for its corporate cards and spend management platform | TechCrunch", "url": "https://techcrunch.com/2023/12/07/yc-backed-fintech-bujeti-raises-2m-for-its-corporate-cards-and-spend-management-platform/", "date": "Dec 07, 2023" } ], "launches": [ { "id": 69607, "title": "💳📈 Bujeti - Corporate cards and expense management platform for African businesses", "tagline": "We help African businesses issue corporate cards, control and manage their expenses", "body": "**TL;DR:** We help African businesses in industries such as Healthcare, Logistics, Agriculture and Construction easily issue corporate cards to their employees and contractors to streamline their spendings. We help them control and manage their expenses by setting up spending limits, restrictions and approval flows for their decisions makers, staff and suppliers.\n\n## **Who are we?**\n\nHello everyone, we are Achille and Samy from [Bujeti](https://www.bujeti.com)\n\n🧠 [Achille](https://www.linkedin.com/in/achille-arouko): Drives ideas and make things come to life. 8yoe engineer, 3+ years at [Paystack](https://paystack.com), and 3x founder in Fintech and AI.\n\n🧠 [Samy](https://www.linkedin.com/in/samychiba/): He keeps us compliant and makes operations go smoothly. 2 MsC in Business Administration, 2 years at Ariane Group, former ceo SmartSoft Europe.\n\n![uploaded image](/media/?type=post&id=69607&key=user_uploads/156795/e5c7ef67-82e9-4d84-b95d-7bc5b2190f28)\n\n# **What is a corporate card and why is it hard to get one in Africa?**\n\nA corporate card is a debit or credit card issue by a business to its employees, generally issued to upper management (CXO, Accountants, Team Managers, etc.) and a select number of employees to make payments on behalf of the company.\\\nIn the US and EU, bank card penetration is very high and the process for businesses to get multiple cards from their banks is pretty straightforward— but in Africa where card penetration is still low, getting a card for a business isn’t as straightforward as it should be, much less for multiple cards.\n\nThis is an even a bigger problem for traditional businesses in industries like Agriculture, Logistics, Healthcare, Construction— businesses that are not tech heavy, but contribute to a big part of the GDP of most of African nations. To go around that, businesses generally have one card that they pass around which causes a lot of security, control and fraud issues.\n\n![uploaded image](/media/?type=post&id=69607&key=user_uploads/156795/062f9c7e-3473-43c3-a797-c4dfc1932fd1)\n\n# **How do we fix it?**\n\nTo help fix that problem and allow African businesses to issue cards at will to their employees, while maintaining the control of their spendings, we launched Bujeti, an all-in-one corporate cards and expenses management platform.\n\nWe also help them:\n\n* **Budget** their expenditures to keep their finances afloat\n* **Monitor** and **track** all the expenses made in the company\n* Facilitate **receipts** tracking and collection\n* Automate **Account Payables & Receivables**\n* Set up **spending limits and approval** flow to make sure the resources are well used and create value\n* **Reimburse** out of pocket expenses of their employees\n* **Run payroll**\n* Integrate their **accounting softwares**(QuickBooks, Xero, etc…)\n* Automate **reconciliation** and **reporting**\n\n![uploaded image](/media/?type=post&id=69607&key=user_uploads/156795/43997f82-7bf2-4595-a226-48eccb71c0db)\n\n# **How did we get here?**\n\nAchille wanted to build a personal finance and expenses management app for the African Diaspora that helps automate remittances while keeping an eye on how money sent back home was being spent. While building that, he realized the problem he was trying to solve for individuals, was in fact a problem that also affected businesses. That’s when we pivoted from B2C to B2B to solve expense management issues for African businesses.\n\n# **Our ask 🙏🏾**\n\n* Connect us to **CFO, Accountants, Country Managers** and **HR** leaders that operate in Africa in your network\n* Connect us to an African Logistics, Construction, Healthcare, Agriculture company in your network\n* Connect us VISA or Mastercard\n* Connect us to your CFO or Accountant to help us understand even better their needs and improve our offering\n* Share our post on your social media to help us increase awareness 🚀", "url": "https://www.ycombinator.com/launches/I6h-bujeti-corporate-cards-and-expense-management-platform-for-african-businesses", "votes": 47, "created_at": "2023-02-23T17:48:51.970Z" } ] }, { "id": 27846, "name": "PoloTab", "slug": "polotab", "former_names": [ "PoloPay", "Polo", "PoloPay", "Polo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/125206d3d51ae1a0a9e8a0446836031dcecb557a.png", "website": "https://polotab.com", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "The ecosystem coffee shops and restaurants in Mexico run on.\r\n\r\nFrom point of sale, to inventory management, payments and much more for the most demanding. \r\n\r\nOur tech is as user-friendly as an iPhone, yet powerful enough to power Starbucks. \r\n\r\nPoloTab is led by a team driven by the vision that things should be different, with the skills to make it happen. We were born from the food & beverage industry and are here to make a difference, not merely be part of the crowd.", "one_liner": "Restaurant software that actually works", "team_size": 18, "industry": "B2B", "subindustry": "B2B", "launched_at": 1673740327, "tags": [ "SaaS", "Payments", "B2B", "Analytics", "Food Tech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "regions": [ "Mexico", "Latin America" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/polotab", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/polotab.json", "year_founded": 2022, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/81905131/admin/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/polopay", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/125206d3d51ae1a0a9e8a0446836031dcecb557a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 961325, "full_name": "Andres Richardson", "title": "Founder", "founder_bio": "Co-Founder and COO at PoloPay (W23). Studied industrial engineering at the University of Michigan. Ex-Business Consultant. Enjoys playing and watching sports, traveling, and food.", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/andres-richardson-41411a167", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c33731e5420344de5d69c0ebce4ff4f54fa198ee.jpg" }, { "user_id": 432921, "full_name": "Juan Chomali", "title": "Founder", "founder_bio": "Co-Founder and CTO at Polo (W23). Chilean. Started coding at 12. Mechanical engineer and economist. Ex-Goldman. PNAS published author. Loves mountaineering and cooking.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jchomali", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/249c98b46e938865984b619e80c733ba9ddb4b4a.jpg" }, { "user_id": 961294, "full_name": "Aldo Piaggio", "title": "Founder", "founder_bio": "Co-Founder and CEO at Polo (W23). I am a designer, an ex-Goldman Sachs IBD Analyst, and an industrial engineer from the University of Michigan. I love cigars, coffee, and LPs.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aldo-piaggio-59227418b", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8820a2841b75bf6466eb2b9090656bdfcbb6fea7.jpg" } ], "jobs": [ { "id": 88479, "title": "Sales & Business Development Representative", "url": "https://www.ycombinator.com/companies/polotab/jobs/nuykmZk-sales-business-development-representative", "location": "Mexico City, CDMX, MX / Mexico City, Mexico City, MX", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$15K - $72K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 115427, "title": "Product Designer", "url": "https://www.ycombinator.com/companies/polotab/jobs/gmucbkK-product-designer", "location": "Mexico City, CDMX, MX / Mexico City, Mexico City, MX", "type": "Full-time", "role": "Design", "role_type": "Product design", "salary_range": "$1K - $5K / monthly", "equity_range": "", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [ "Figma", "Illustrator" ] } ], "news": [], "launches": [ { "id": 70252, "title": "🅿️PoloPay - Dynamic menus for LatAm restaurants and coffee shops", "tagline": "PoloPay is a dynamic menu, order and payment software for LatAm restaurants and coffee shops.", "body": "### ☕️**TL;DR:**\n\nPoloPay is a dynamic menu that allows guests to order food and drinks, split, tip, and pay the bill in seconds helping LatAm restaurants and coffee shops automate manual tasks and increase sales.\n\n![uploaded image](/media/?type=post&id=70252&key=user_uploads/961294/ea4d9bbb-cb80-4b59-92d7-cf405e76fe79)\n\n### 🌯**Founding Team**\n\nWe are Aldo, Andres, and Juan, the team behind PoloPay!\n\n[Aldo Piaggio](https://www.linkedin.com/in/aldo-piaggio-59227418b/) **(CEO)** is from Honduras, an Industrial Engineer from the University of Michigan with a minor in Economics, passed the CFA Level 1, an ex-Goldman Sachs IBD analyst, designs since the age of 14, and is the third-generation of a family involved in the food & beverage industry since 1972.\n\n[Andres Richardson](https://www.linkedin.com/in/andres-richardson-41411a167/) **(COO)** is from Mexico, a Summa Cum Laude Industrial Engineer from the University of Michigan, and an ex-business consultant whose work ranges from industrial production & logistics optimization to organizational restructuring in various industries.\n\n[Juan Chomali](https://www.linkedin.com/in/jchomali/) **(CTO)** is from Chile, creator of Boreal, the most downloaded and used Hacker News client for iPhone in 2016 until Apple took it down, a Mechanical Engineer and Economist from the University of Michigan, PNAS Co-Author, an ex-Goldman Sachs STRATS, and started coding at the age of 12. \n\n![uploaded image](/media/?type=post&id=70252&key=user_uploads/961294/ac91ccc3-b653-4211-8be3-a5f9f80943d9)\n\n### 👨🏼‍🍳**The “Why?”**\n\n**The dining experience** has been the same for decades. You sit down, stare at a menu, look around wondering what others at the venue like, and a few “Uhmmm”s later, staff comes around to take an order you are still not even sure about. Splitting and paying the bill is a tedious waiting game, and tipping staff is close enough to a math exam. **What could be done in a few seconds, takes several minutes.**\n\n**A coffee shop is no different**. Join the line and wait a few minutes until it's your turn to go “Uhmmm”, just like everyone before you. Finally you get to sit down, and start sipping. Did you just run out of that delicious matcha latte? Stand up, and wait on line again!\n\n**What’s frustrating for guests is wasteful for venues.** Restaurants, coffee shops, and hospitality venues alike have seen their margins shrink well before covid, especially small and medium venues. They operate in an industry where costs are highly volatile, staff turnover rate is a staggering 75% (higher than any other industry), and guest preferences are quickly changing. \n\nResources are limited, especially for these venues. **So how does PoloPay help?**\n\n### 🫗**Our approach**\n\nWe built an easy-to-use tool that **restaurants love**. PoloPay improves how teams and staff manage their menus, fulfill orders, and collect payments. \n\n**To help venues sell more,** our QR codes expose guests to beautiful pictures of dishes and the perfect drink pairing. PoloPay makes it as easy as possible to order that next dirty martini while giving staff a breather during peak hours; eliminating unattended parties and decreasing checkout times to seconds. **We seek to perfectly complement the warmth of hospitality.**\n\n![uploaded image](/media/?type=post&id=70252&key=user_uploads/961294/f79e41b8-9451-48d3-90f1-863eadda2878)\n\n**Are costs increasing?** Venues can adjust menu prices or food offerings, instantly charge for them, and forget the need to spend on reprints or waiting for new menus to arrive. **PoloPay also leverages data** to help capture guests' preferences, identify new areas of opportunity, and surprise guests on their next visit. Automatic language translations, powerful availability and pricing scheduling, 86-ing, and in-menu promos are a few other reasons why chefs, staff, and owners love us.\n\n![uploaded image](/media/?type=post&id=70252&key=user_uploads/961294/4d22eff1-056e-4079-a89d-0f201144c2a4)\n\nBeautiful experiences are at the core of what we build. We aim to grant guests a seamless experience and give much-needed control back to restaurant teams. We are not “X for LatAm”, **we are PoloPay**.\n\n### 🍽️**Our ask**\n\nIf you, or someone you might know, manages a restaurant or coffee shop, [reach out!](https://polopay.co/demo) **We would love to start working with your venue and would appreciate any warm intros too.** [Sign up](https://polopay.co/demo) before April 1st and enjoy a 50% discount during your first two months!", "url": "https://www.ycombinator.com/launches/IH6-polopay-dynamic-menus-for-latam-restaurants-and-coffee-shops", "votes": 498, "created_at": "2023-03-14T00:58:35.798Z" } ] }, { "id": 27953, "name": "Koywe", "slug": "koywe", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8017c0951eaa502590f3ffbe4554b9152defa32a.png", "website": "https://koywe.com", "all_locations": "Miami, FL, USA; Santiago, Santiago Metropolitan Region, Chile; Mexico City, CDMX, Mexico; Remote", "long_description": "We provide simple, well-documented, and fully compliant payments APIs and interfaces so that any company can instantly start leveraging crypto to offer services like remittances, USD wallets, and investments.", "one_liner": "Crypto On and Off Ramp for Latam", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1673033105, "tags": [ "Fintech", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "Chile", "Mexico", "America / Canada", "Latin America", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": true, "demo_day_video_public": false, "app_answers": [ { "question": "Describe what your company does in 50 characters or less.\n", "answer": "Crypto infrastructure for Latam" }, { "question": "What is your company going to make? Please describe your product and what it does or will do.\n", "answer": "Easy to use and integrate, modular Crypto, Compliance, and Fiat rails for individuals and businesses.\r\nStarting with a crypto ramp, we want to help businesses and individuals to easily go from local fiat to crypto and vice versa, on any fintech or web3 platform. Integrating local payment methods and complying with local regulations.\r\nSome use cases: full-stack crypto ramp for web3 projects via 3-line SDK integration; bespoke fiat to stable coin integration for fintech companies; off ramping facilities; seamless integration between fiat and crypto accounts.\r\nWe dream of a third of all crypto transactions in Latam going through our rails." } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/koywe", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/koywe.json", "year_founded": 2022, "city": "Miami", "country": "US", "linkedin_url": "https://linkedin.com/company/koywe", "x_url": "https://twitter.com/koywe_latam", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/koywe", "github_url": "https://github.com/koyweforest", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8017c0951eaa502590f3ffbe4554b9152defa32a.png", "app_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/bf-public_profile/28008/app_video.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAQC4NIECAODIUI2QA%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022711Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEHEaCXVzLXdlc3QtMiJGMEQCICdQyGY%2BbftNLxtKIYzFPxdUXttuiP0N09%2F%2BUfBHiBuhAiBOSl161zU1GSzXg078adXidT%2BI1mNTN00xIiFabrEuZSrlAwg6EAAaDDAwNjIwMTgxMTA3MiIMkex8rUdJQnYvqkb2KsIDZvHjdb5Nj1eMSDUiIIyyiwfJ8RyPFxer5o1XPlMS8x%2FtN9n%2F7PvS5Wd7oFPHi1qVxZAOUh%2BsJ%2B%2BXOPvWZ3Ae6ZZbt6%2BpSxxIqhHajGvQPEffXaUpP5qEh5zdOBvoNiFOEcL3U5kvAXPdFAeyEQUSC22Zz6qlwEbD4gyjAVIG69Bq2BqpO5gGA142dDrsMk9Fpvvrw4sUrmoFsqVRjQeNNnbJ6kGBUpNWGmGUg9xVdF1g6zjy5AOLq9gaZMWpGvdL2up4UE8tZcCtovhQX7LttuknA2oMDZbhb%2Bm1111BTyQwfpo0mzYMWvLSVFktebdbrXNkCCYHuwzkc%2FAYLLBCHcwr959rGhfijkmBq8zJ6L%2F3m2hFjzDHCnZYPOz0rFWk1O%2FdpaLpo4%2B83owIv8pdLkfxnSwz7jpV83o7ddFuQwi3GyYhgDV9NKraaZUPDf35OffhHBAa9LNH9KBtXE%2B9EJapzAmTZRHX0y1pAaJdqK7NnCs3JXj5MlJbG%2Fk7qe6hMwsDLiNtlbMQ85QzyJJHGU4y3dM2z2PBRjDSvRfVwapQjnLimR6h7fxLZHe1JssWKCLL3Y7dNZqEc8LFx7ZPmRWFMOj92tYGOqYB1OGPMkYIGSgzUnwJVB6Fm37ysfFBg0lS7An85D5284tv08ntQNXM%2B3NjFf0CnSg8DB6Uagn6Pf8Hz0vPosKjbkPeKHdUWICNI6ZBqrBsIZuFlEJamVl3d%2B5M5pi50RkfxaC0jUNRP0kzypvFoXoBWM5zGuVWthjEJhSlwkhKt8FAj4eChg9bDGTNeM9DkgbxKs0YI84QCmRK0pRtLAv0T11YvQ%2FTTg%3D%3D&X-Amz-SignedHeaders=host&X-Amz-Signature=242c246d83c4adecfd7aa30c28583ad81604af7341e4ecb67a29c6657bd80861", "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 985824, "full_name": "Ignacio Detmer", "title": "Founder", "founder_bio": "Ignacio has vast experience scaling business across Latam as Co-Founder and COO of Americas Car Group, a unicorn sold to Prosus Group. He is also a Co-Founder of Proptech (Opencasa), managing 75M USD in properties in the US", "is_active": true, "linkedin_url": "http://linkedin.com/in/ignaciodetmer", "x_url": "https://twitter.com/Ignaciodetmer", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/904485741e4f76845b78d435e110182bc2932f32.jpg" }, { "user_id": 532974, "full_name": "Guillermo Acuña", "title": "Founder", "founder_bio": "Entrepreneur from Chile, fullstack handyman.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gjacuna/", "x_url": "https://twitter.com/gjacuna", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1c2898c52bb008e2761ea75568df00817002f573.jpg" } ], "jobs": [], "news": [ { "title": "Guillermo Acuña de Koywe entrega las claves para una nueva economía en equilibrio con la sustentabilidad - TXS Plus", "url": "https://txsplus.com/2022/12/guillermo-acuna-de-koywe-entrega-las-claves-para-una-nueva-economia-en-equilibrio-con-la-sustentabilidad/", "date": "Dec 19, 2022" }, { "title": "Koywe, el nuevo emprendimiento de fundadores de FCG y Cumplo | DFMAS", "url": "https://dfmas.df.cl/df-mas/punto-de-partida/simplificar-acceso-a-web3-el-nuevo-emprendimiento-de-fundadores-de-fcg", "date": "Dec 16, 2022" } ], "launches": [ { "id": 69537, "title": "Koywe - The on and off ramp for crypto in Latam", "tagline": "Fully compliant payment APIs and SDKs to instantly start leveraging crypto to offer services like remittances, USD wallets, and investments. Growing 5x MoM!!", "body": "Good morning, buenos días, bom dia!\n\n**TL;DR:** [**Koywe**](https://koywe.com/) **provides simple, well-documented, and fully compliant payment APIs and SDKs so that any developer can instantly start leveraging crypto to offer services like remittances, USD wallets, and investments.**\n\n![](https://lh6.googleusercontent.com/uX0oe40VTdcx1-sixXKvlhjcMAT0yg9gKrfYouL8ChAmqztqPBYLKES3s9-wXv79QSc7Lq9KkCT_KE2a63HzQPLfCaqMf5V_P1nBYjxKqon2966nGAuF9VLfwTi_XcFIS9hMJRjouJLaq884b4y_I4U)\n\nWe’re live, with local on & off payment rails in Chile, Mexico, Colombia, and Peru, and **growing 5x MoM**! Soon we’ll be in Brazil, Argentina, and Central America.\n\n[**Check out our docs**](https://docs.koywe.com/v/english) **and send us an email to** [**founders@koywe.com**](mailto:founders@koywe.com)**! Join the Koywe forest.**\n\n# Who is building this?\n\n[**Koywe**](https://koywe.com/) **is built by us,** [**Ignacio Detmer**](https://www.linkedin.com/in/ignaciodetmer/) **and** [**Guillermo Acuña**](https://www.linkedin.com/in/gjacuna/)**! We met over 30 years ago and have remained friends ever since.**\n\n**We’ve always been passionate about building something people need, especially if it can help every Latin American thrive, founding startups for the last 15 years!**\n\n# **Latam needs this**\n\nToday, most Latin Americans are financially underserved, in both access to, and prices we pay for almost all financial services.\n\n**We believe crypto can solve this**, not by having expensive jpegs or mooning tokens, but by enabling **real financial applications** that settle instantly and at the cheapest fees. We want to offer the building blocks for those applications!\n\nAnd **we’re not alone** in our belief! Latam has been one of the fastest growing regions in crypto adoption and the main use cases are remittances (instant settlement and cheap fees!), a hedge against inflation (stable coins ftw!), and last but not least: investments and speculation.\n\n# **Real use Cases, Real Solution**\n\nThere are many challenges to be solved! **It’s too hard (and expensive) to use crypto as a startup or fintech company**. Countries in Latin America are very diverse, not only in terms of its people, but also laws and regulations, institutions, and financial infrastructure. An international ramp can be as expensive as 10% per transaction, thanks to lack of liquidity, payment processor fees, and exchange rates.\n\n**This made using crypto infrastructure really difficult, until now!**\n\n# **Koywe Infrastructure**\n\nKoywe provides simple, well-documented, and fully compliant payment APIs (both GrapQL and REST) and SDKs so that any developer can instantly start leveraging crypto to offer services like remittances, USD wallets, and investments, at **the best local prices and fully compliant in each country**. As easy as 1, 2, 3.\n\nFor example, get a real quote to sell 1,000 USDC on Polygon and receive CLP:\n\n```\ncurl --location --request POST 'https://api.koywe.com/rest/quotes' \\\n--header 'Content-Type: application/json' \\\n--data-raw '{\n    \"amountIn\": 1000,\n    \"symbolIn\": \"USDC Polygon\",\n    \"symbolOut\": \"CLP\",\n    \"executable\": false\n}'\n```\n\n**Try it out now!**\n\n**Pro Tip**: Changing _executable_ to _true_ allows you to execute that quote within 10 seconds of creating it.\n\n### **We make it as easy as possible.**\n\nWe wrote our docs to be **very easy** to read and understand. They get updated almost every week with feedback from our dear customers.\n\n![](https://lh4.googleusercontent.com/kz4B52QeqIh3WpxYN9jtPFYy-vJB4kxVx3ZiIiTTO3yPDThyHikT4B-lHzzSRAg6gZWrkDFobDosHUWEempKtcmIY3X2mQJ4SOkTaekFP6sBm2Y7iJeCdmL1vHAy7g6CqTyEvwzJ9Tsz5m8e1QMTawo)\n\nAnd if APIs or SDKs are too complicated for you _(or can't be bothered with yet another integration)_, we can spin up a completely customized web view or url just for you! **In under an hour we had set up a bespoke solution for one of our DeFi customers!**\n\n### **The Future**\n\nWe have a **long-term vision of crypto enabling even more complex use cases**, like lending, invoice discounting, and other financial services that help speed up the region's development. All in a non-custodial, fully compliant way!\n\nRead more about our vision and why we are called [**Koywe**](https://koywe.com/) (like the tree in Patagonia) [on our docs!](https://docs.koywe.com/v/english/about-koywe/what-is-koywe#why-koywe-came-about)\n\n# **Our ask**\n\n1. If you're a fintech or crypto-native company, **let's talk about how we can help you grow in Latam**!\n2. If you know a company that could use our services, **make an intro**!\n\nYou can reach us at [founders@koywe.com](mailto:founders@koywe.com) for a bespoke, personalized attention (and some Latin flavors). **We promise** efficiency, no BS, and at least one laugh!", "url": "https://www.ycombinator.com/launches/I5Z-koywe-the-on-and-off-ramp-for-crypto-in-latam", "votes": 58, "created_at": "2023-02-22T14:43:56.503Z" } ] }, { "id": 27957, "name": "Infinia", "slug": "infinia", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7fe17d09bdbf7258b587a47e734d932c0b1886d.png", "website": "https://www.infiniaweb.com/", "all_locations": "Montevideo, Montevideo Department, Uruguay", "long_description": "Infinia enables fintechs, businesses, and banks to bridge stablecoins with local payment rails as well as create local currency virtual accounts in emerging markets. Serving Stripe/Bridge, Jeeves, Ramp, among other tier1 companies.\r\n\r\n", "one_liner": "Move money programmatically - built for developers", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1668175381, "tags": [ "Payments", "Cryptocurrency" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Uruguay", "Latin America", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/infinia", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/infinia.json", "year_founded": 2022, "city": "Montevideo", "country": "UY", "linkedin_url": "https://www.linkedin.com/company/82592889/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e7fe17d09bdbf7258b587a47e734d932c0b1886d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/7b015f8bc8bb474334c38e8d27438f00d13ccd15.png" ], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 1007566, "full_name": "Ianai Urwicz", "title": "Founder", "founder_bio": "Former d-local (NASDAQ: DLO) VP Sales and Partnership, I have been working in the Fintech industry for more than 10 years. \nTech early adopter. Half Israeli- half Latino.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ianai-urwicz-ab0b932/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2895b0863bb32ee533522204fec84ce286ab5f2d.jpg" }, { "user_id": 1012543, "full_name": "Alejandro Rettig", "title": "Founder", "founder_bio": "25+ years of experience in the Fintech & Telecom market, including R&D, product management, project management, and sales.\n\nPassionate about technology, always innovates and improves the processes and the business.\nProven experience managing teams and creating more than 50 products/services, that were deployed in customers across Latin America, Africa and Asia.\n\nSpecialties: Product Creation, Design and Development, Research, Innovation, Team Management, Project Management, Sales and Pre/Sales.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alejandrorettig", "x_url": "https://twitter.com/AleRettig", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4f43870433137da96ee3fe1f66a180c2f32a9adf.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator invests $500K in Uruguayan Fintech Infinia", "url": "https://latamlist.com/y-combinator-invests-500k-in-uruguayan-fintech-infinia/", "date": "Dec 06, 2022" } ], "launches": [ { "id": 67538, "title": "Infinia - The account to account payment solution in LATAM", "tagline": "Meet Infinia, we help merchants/apps save up to 80% on credit cards fees, enabling Pay By Bank across Latin America.", "body": "# One API - Multi-country A2A Payments\n\nHi everyone!! Ianai and Alejandro here to introduce Infinia.\n\n[Infinia](https://www.infiniaweb.com/en) makes it easy for consumer to pay by bank, and we make it easy for merchants to enable this payment method.\n\n![uploaded image](/media/?type=post&id=67538&key=user_uploads/1007566/cf9496ee-9e4c-45fe-972a-69678057ae8d)\n\n### 😩 The Problem\n\nUnlike Europe, where there is an open banking standard and regulation, in **LATAM each country operates independently**, with different regulation and payment rail.\n\nIn addition, **cards decline rate** roughly **35% in LATAM**….\n\nWe are the first solution to put together those payment rails and create an easy way for merchants to accept frictionless **Pay By Bank across the continent**.\n\n### 🤩 Our Solution\n\n![uploaded image](/media/?type=post&id=67538&key=user_uploads/1007566/213b1e7b-fc1e-425a-8df2-1e4ed0658f0c)\n\n\nAll-in-one Pay By Bank API solution:\n\n1. Payment initiation services: it makes live easier for consumers to pay.\n2. Funds confirmation: Businesses can confirm funds in real time.\n3. Rewards program: consumers earn in store credit when they pay by bank.\n\n### Who is this for?\n\nMerchants, apps, marketplaces, payment service providers, who operates in LATAM, and would like to save on credit card fees and offer a frictionless Pay By Bank option 🚀!!\n\n### Our Ask 🙏\n\n* **Share this post!** Please help spread the word, we want to help startups with fairer payments.\n* **Connect us** with **companies, potential partners and clients**. We would love to showcase our product and discuss the future of payments in LATAM.\n\nFeel free to reach out to us [founders@infiniaweb.com](mailto:founders@infiniaweb.com).", "url": "https://www.ycombinator.com/launches/HZK-infinia-the-account-to-account-payment-solution-in-latam", "votes": 101, "created_at": "2022-11-28T13:22:12.105Z" } ] }, { "id": 27968, "name": "Alaan", "slug": "alaan", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc9ff5bdd231134886435b1360a606fccec68c2c.png", "website": "https://www.alaan.com/", "all_locations": "Dubai, Dubai, United Arab Emirates", "long_description": "Alaan is an AI-native finance platform for businesses in the Middle East. One platform for corporate cards, expense management, cross-border payments, accounting automation, treasury, business banking, and more, with AI doing the work finance teams used to do by hand: coding transactions, chasing approvals and receipts, flagging policy breaches, placing treasury deposits and closing the books.\r\n\r\nOur mission is to simplify finance for businesses so they can save time and money.\r\n\r\nOver 3,000 businesses use Alaan, from first-time founders to enterprises like Careem, G42, Tabby, Al Barari, and Rivoli. Since 2022, they have saved more than 2.2 million hours of manual finance work.\r\n\r\nAlaan raised one of the largest Series A rounds in Middle East history, backed by Peak XV (formerly Sequoia India), Y Combinator, 468 Capital, and 885 Capital, among others. Headquartered in Dubai, Alaan has more than 250 employees across its Dubai, Riyadh, and Bangalore offices, with a team that comes from Careem, McKinsey, BCG, Goldman Sachs, Amazon, Revolut, Rippling, and the world’s leading firms.\r\n\r\nAlaan has been named to the UAE Future 100 list, selected as an Endeavor company, and ranked the No. 1 spend management platform in EMEA by G2.", "one_liner": "Ai-native finance platform for the Middle East", "team_size": 250, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1671191601, "tags": [ "Fintech", "Payments", "B2B", "Enterprise Software" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Arab Emirates", "Middle East and North Africa" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/alaan", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/alaan.json", "year_founded": 2021, "city": "Dubai", "country": "AE", "linkedin_url": "https://www.linkedin.com/company/alaanpay", "x_url": "https://twitter.com/alaan_pay", "fb_url": "https://www.facebook.com/alaanpay/", "cb_url": "https://www.crunchbase.com/organization/alaan", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc9ff5bdd231134886435b1360a606fccec68c2c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/c29cc2d3d97a1d6a6357ee4f51a3732dc5bbc14c.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/7f15abd32cfcc587e63d5e13eb36eac06bb80d60.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 631526, "full_name": "Parthi Duraisamy", "title": "Founder", "founder_bio": "I grew up in a lower-middle-class family in India. Neither of my parents had been to high school or college. The first life-changing event occurred in 2005 when I won a full scholarship to study engineering in Singapore. The drive to prove myself then sent me on a journey through prestigious institutions, including Barclays Investment Bank, McKinsey, and Dartmouth College. While I always felt like an outsider in these institutions, the journey eventually led me to build Alaan. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/parthiduraisamy", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cf8cfbfbaa49d8a8cad2386f8716d4b1c332ea51.jpg" }, { "user_id": 852569, "full_name": "Karun Kurien", "title": "Founder", "founder_bio": "Karun started his career as a software engineer and then spent a few years consulting with McKinsey Digital. Most recently, he has focussed on building products for startups. He now leads product and tech. at Alaan.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/karun-kurien-3020504b", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b9289971008f7b17874f5215aa809b40c39ba640.jpg" } ], "jobs": [ { "id": 97235, "title": "Customer Experience Specialist", "url": "https://www.ycombinator.com/companies/alaan/jobs/EhKvazF-customer-experience-specialist", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "₹800K - ₹1.3M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 102018, "title": "Senior Backend Engineer", "url": "https://www.ycombinator.com/companies/alaan/jobs/4yrhOC3-senior-backend-engineer", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "₹3M - ₹4.5M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Alaan receives key in-principle approval from the Central Bank of the UAE for SVF and RPS licences | Khaleej Times", "url": "https://www.khaleejtimes.com/kt-network/alaan-receives-key-in-principle-approval-from-the-central-bank-of-the-uae-for-svf-and-rps-licences", "date": "Sep 02, 2026" }, { "title": "Alaan launches UAE's first AI-native business bank account, powered by ruya", "url": "https://gulfnews.com/business/corporate-news/alaan-launches-uaes-first-ai-native-business-bank-account-powered-by-ruya-1.500577347", "date": "Jun 16, 2026" }, { "title": "AI-powered fintech Alaan raises $48M, one of the largest Series A rounds in MENA | TechCrunch", "url": "https://techcrunch.com/2025/08/05/ai-powered-fintech-alaan-raises-48m-one-of-the-largest-series-a-rounds-in-mena/", "date": "Aug 05, 2025" }, { "title": "Homegrown UAE startup ranks No. 1 globally for expense management on G2", "url": "https://gulfnews.com/friday/friday-partner/homegrown-uae-startup-ranks-no-1-globally-for-expense-management-on-g2-1.1714060677391", "date": "Apr 24, 2024" }, { "title": "Visa and Alaan Partner on Expense Management in Middle East", "url": "https://www.pymnts.com/spend-management/2024/visa-and-alaan-partner-on-expense-management-in-middle-east/", "date": "Mar 28, 2024" } ], "launches": [] }, { "id": 28007, "name": "Milio", "slug": "milio", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b20ca0d6ea153d334a9f63f5b2c7e991839b0369.png", "website": "http://www.miliopay.com", "all_locations": "Bogotá, Bogota, Colombia", "long_description": "Milio is a fully interoperable and immediate payment system for Colombia through a single API connected to millions of accounts. Milio allows companies to perform payable and receivable in real time without ACH rails.\r\n\r\nWe provide our solution through two Plug and Play integrations:\r\n\r\nPID payment button:\r\nEnd-to-end, white label, native, non-redirection payment technology for your customers to pay you account-to-account more efficiently than PSE, without heavy and inefficient ACH cycles and fixed rates.\r\n\r\nTechnology: API, SDK, Checkout UI.\r\n\r\nImmediate disbursement:\r\nSingle API connection to all banks, allowing any company or person to disburse 24/7, in real-time, with immediate crediting of funds to third parties at any bank or digital wallet.\r\n\r\nTechnology: API, Dashboard UI.", "one_liner": "B2B-2C real-time account to account payments", "team_size": 16, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1673542221, "tags": [ "Fintech", "SaaS", "Payments", "B2B" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Colombia", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/milio", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/milio.json", "year_founded": 2022, "city": "Bogotá", "country": "CO", "linkedin_url": "https://www.linkedin.com/company/miliopay/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/milio-393b", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b20ca0d6ea153d334a9f63f5b2c7e991839b0369.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/60/1680799135436-tyh0f5mrzt-de7511999ed7641c9bcd403305b64755/1b09459c9210f24c013b7a840e95a33b.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022712Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=ffdec85869a688172eac56ae4eb9062fb4d24cfd158205fdd9b0f95d931e1fbe", "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b20bb1ba0e9203f20c1a1bf33ed0550679acab62.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 627782, "full_name": "Toni Riera", "title": "Founder", "founder_bio": "Operator and investor with 10+ years scaling fintechs and marketplaces across LatAm, Europe, and the US. Co-founder of Milio (YC W23, B2B payments and treasury SaaS). Previously at SumUp (Director Expansion LatAm), Uber (GM Delivery, Andean Region), and BCG (Consultant, Financial Services & GTM). ", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/triera/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/df194b0a0456f9b1a79a86d50b121b0e908fa7eb.jpg" }, { "user_id": 1159255, "full_name": "Daniel Gomez", "title": "Founder", "founder_bio": "Product Manager and Strategist, UX freak, and Project Manager. Passionate about building digital projects from the ground up across different industries, including Fintech, Mobility and Healthcare. I'm currently building a comprehensive lending and payments infrastructure solution for the B2B commerce in Latin America. When I'm not designing prototypes and workflows, I love skateboarding and spending time at the beach with my daughter.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-gómez-86954a58/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d04cb164083c06fc0c9200671f69cbd5a4df379b.jpg" }, { "user_id": 1159270, "full_name": "Juan Luis Perez E", "title": "Founder", "founder_bio": "Co-founder and CEO at Milio", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juan-luis-perez-escobar-079869104", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ac98b7b340ad43371fb25e61b6cb2d2bf91af85b.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 69870, "title": "Milio - B2B payments infrastructure for emerging markets", "tagline": "Milio is building B2B payments infrastructure for emerging markets, domestic and cross-border, with an embedded B2B-commerce checkout. Real-time and saving up to 80% of transaction costs.", "body": "**TL;DR:** Milio is building **B2B payments infrastructure for emerging markets, domestic and cross-border**, and connecting it to legacy ERPs through one single API. Milio's platform allows faster money movements, real-time access to data, and treasury automations through efficient workflows and seamless account-to-account domestic and cross-border payments. Real-time and 80% cheaper.\n\n### **The problem**\n\nIn Latin America, **legacy B2B payments infrastructure** doesn’t allow automated transaction initiation and costs up to 3% through local ACH networks and credit card processing fees. Cross-border payments rails are expensive and inefficient, with up to 5% FX spreads. \n\nIn addition, **no single checkout is built for the B2B-commerce**; and legacy **ERPs are siloed from the payments infrastructure**, involving long treasury workflows and over 20h/week in manual work.\n\n### **Milio’s solution 💡**\n\nMilio enables real-time **B2B account-to-account payments, both domestic and cross-border**, that are **real-time** and save up to 80% of transactions cost and FX rates. Our API provides an **embedded checkout for B2B-commerce** and connects it to legacy ERPs, enabling automated treasury workflows that save our customers over 10h per week in manual work.\n\nOur customers can now access affordable money movements, real-time data, and a **unique B2B checkout experience** that increases conversion rate by 2x. \n\n### **How does Milio work? ✅**\n\nMilio is building an account-to-account payments infrastructure across all of Latin America, both domestic and cross-border, that enables real-time payments (T+0) and the best B2B checkout experience. Our customers can automate how they pay, get paid, and reconcile their ledger, saving up to 80% in transaction costs and over 10h per week in manual work.\n\nThey can also offer the best checkout experience to their business customers by enabling account-to-account one-click real-time payments at checkout, designed explicitly for B2B transactions, increasing conversion rates by 2x.\n\n![uploaded image](/media/?type=post&id=69870&key=user_uploads/627782/948bba8a-dbe6-4e7e-ac5e-6e4f51024772)\n\n### **Why are we working on this?**\n\nExchanging money and accessing premium financial services for local enterprises in LatAm is a nightmare. This is experienced every day by business owners across the region, including the co-founders who have spent time working for large payment fintechs and owning SMBs across the region. We firmly believe that helping those local enterprises and entrepreneurs ­means helping any economy to thrive and grow to its maximum potential. We are committed to solving this problem.  **💥** **Milio was the first Milio client! 💥**\n\n![uploaded image](/media/?type=post&id=69870&key=user_uploads/627782/5c6ed840-bc0b-4fa3-a0fe-b7986a0056fd)\n\n### **Our ask 🙏🏻**\n\n* **Please contact us at**: [founders@miliopay.com](mailto:founders@miliopay.com)", "url": "https://www.ycombinator.com/launches/IAw-milio-b2b-payments-infrastructure-for-emerging-markets", "votes": 390, "created_at": "2023-03-02T15:10:58.102Z" } ] }, { "id": 28019, "name": "inBuild", "slug": "inbuild", "former_names": [ "inBuild, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/565db1f58d2ff6409bb5c8eb3aefcdbc3f515329.png", "website": "https://www.inbuild.ai/", "all_locations": "Wilmington, DE, USA; San Francisco, CA, USA; Aspen, CO, USA", "long_description": "inBuild boosts revenue for home builders by automating the thousands of invoices they receive for every project. For example, when a subcontractor sends an invoice for work they completed, inBuild checks the cost against the project budget, handles any approvals, pays the bill, and updates Quickbooks.", "one_liner": "Workflow Automation for Construction Finance ", "team_size": 12, "industry": "B2B", "subindustry": "B2B", "launched_at": 1671544099, "tags": [ "AI-Enhanced Learning", "Fintech", "Payments", "Construction", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "After working as the financial controller for a large general contractor in Aspen, Ty concluded that construction finances have unusually complex life cycles and very antiquated and disparate solutions. He was frustrated after trying every software available in pursuit of solving the problem for the GC. Ty went to his brother Ian who was assisting in the acquisition of Finvera, a San Francisco-based startup. He presented the idea of starting their own company to build a platform that solved the problems Ty felt firsthand. " }, { "question": "How have you kept in touch with the YC community and continued to use YC resources & programs since the batch ended?", "answer": "We’re inspired and motivated by the success stories of Y Combinator alumni, like Stripe, PlanGrid, Balance, and so many others. Our goal is for inBuild to one day be as recognizable as these brands." } ], "url": "https://www.ycombinator.com/companies/inbuild", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/inbuild.json", "year_founded": 2021, "city": "Wilmington", "country": "US", "linkedin_url": "https://www.linkedin.com/company/inbuildai", "x_url": "https://twitter.com/inBuildai", "fb_url": "https://www.facebook.com/inbuildai/", "cb_url": "https://www.crunchbase.com/organization/inbuild", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/565db1f58d2ff6409bb5c8eb3aefcdbc3f515329.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/875592d00dd8384733ae6195339cef74a9c83eee.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/9adcf53414f51f23528554f41094d52b1bfc7721.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1115776, "full_name": "Ty Sharp", "title": "Founder", "founder_bio": "Co-Founder & CEO at inBuild. \n\nPreviously CFO at Sweeney Development, an Aspen-based General Contractor building $350M in construction volume. \n\nExpressing my creativity through building things that people love. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ty-sharp-59b907123/", "x_url": "https://twitter.com/TySharp_iB", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0785b1afc15abda180559ab1e04b44c3910316f9.jpg" }, { "user_id": 1128556, "full_name": "Ian Sharp", "title": "Founder", "founder_bio": "Co-Founder of inBuild. Supercharging financial management for builders.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ianwsharp/", "x_url": "https://twitter.com/iansharp_iB", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9acffdb84bc4856934580f69f6d084eb5fbb1c59.jpg" } ], "jobs": [ { "id": 63775, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/inbuild/jobs/F5QTABH-founding-engineer", "location": "Boise, ID, US / Santa Barbara, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $200K", "equity_range": "0.50% - 1.50%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Android", "Django", "Go", "iOS", "JavaScript", "Python", "React", "XML", "DynamoDB", "Flutter" ] } ], "news": [], "launches": [ { "id": 70189, "title": "inBuild - Financial automation for home builders", "tagline": "Spend time building, not processing documents.", "body": "Hi there! [Ty](https://twitter.com/tysharp_ib) and [Ian Sharp](https://twitter.com/iansharp_iB) here from [inBuild](https://www.inbuild.ai/).\n\nOur team is building a platform that automates the workflow of financial documents by plugging into email accounts, extracting incoming documents, and processing them all the way into existing accounting systems.\n\n![uploaded image](/media/?type=post&id=70189&key=user_uploads/1115776/47d121da-2a70-4dfb-b36e-9af7ab09ab36)\n\nOver the last 12 months, inBuild has processed over $450M of invoice volume with over $8M flowing through the platform daily.\n\nCustomers rave about inBuild saying:\n\n“You often hear 'under promise and over deliver'. I don't believe that is the business model of inBuild, but they continually over-deliver.“ - Joey Zikor, CFO at [Finbro Construction](https://www.finbroconstruction.com/)\n\n### Problem\n\nFinancial management should be seamless, but construction companies are faced with…\n\n* high document volumes.\n* no industry standardizations.\n* complicated approval workflows.\n* outdated legacy software (yuck 🤮)\n\n![uploaded image](/media/?type=post&id=70189&key=user_uploads/1115776/b71952c8-eb4d-4d6c-bc97-8c2b92c153df)\n\n### Solution\n\nA simple interface that works for you not against you, by…\n\n* ingesting incoming emails.\n* customizing account details.\n* learning from interaction.\n* automating document lifecycles.\n\n![uploaded image](/media/?type=post&id=70189&key=user_uploads/1115776/c39a25f3-9256-4a43-8e2d-ce0546f5c823)\n\n### Team\n\nTy was the CFO of a large luxury home builder and was working with real estate developers that collectively process over $250M in construction volume each year. His brother Ian was the Director of Growth at Gainfully, a Series A startup based in the Bay Area, and assisted in the company's successful acquisition.\n\nThe brothers teamed up to tackle this challenge after cold-calling over 2,000 home builders. What they learned was that a custom home takes 18-24 months to build and during that time the contractor will receive more than 18,000 invoices from vendors and subs, each with as many as 100 line items that all need to be verified and cross-checked to budgets and contracts. The process desperately needs to be automated and we have the backgrounds to make that happen.\n\n![uploaded image](/media/?type=post&id=70189&key=user_uploads/1115776/441f1209-cad6-4c31-a995-f7b161c267c0)\n\n### Asks\n\nPlease reach out if you know any…\n\n* [referrals to home builders](mailto:sales@inbuild.ai).\n* [talented individuals looking for work](https://www.ycombinator.com/companies/inbuild/jobs).\n* [connections to investors](mailto:founders@inbuild.ai).", "url": "https://www.ycombinator.com/launches/IG5-inbuild-financial-automation-for-home-builders", "votes": 200, "created_at": "2023-03-11T19:49:23.880Z" } ] }, { "id": 28077, "name": "Corgi Labs", "slug": "corgi-labs", "former_names": [ "CorgiAI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48ab8ae360dddc3659ad06077db5d3349b75b91f.png", "website": "https://www.corgilabs.ai", "all_locations": "Singapore, Singapore", "long_description": "End-to-end suite of fraud detection and prevention solutions, including an analytics product to monitor and understand dispute + fraud metrics, an AI product which highlights transactions for merchants to follow up on, and an AI solution to recommend rules that can be implemented in payment provider platforms (Stripe, Shopify, Adyen) to proactively reduce dispute + fraud rates.", "one_liner": "AI to increase payment acceptance and reduce fraud for businesses", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1677769779, "tags": [ "Payments", "Analytics", "E-commerce", "Fraud Detection", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Singapore", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": true, "app_answers": [ { "question": "What is your company going to make? Please describe your product and what it does or will do.", "answer": "End-to-end suite of fraud detection and prevention solutions, including an analytics product to monitor and understand dispute + fraud metrics, an AI product which highlights transactions for merchants to follow up on, and an AI solution to recommend rules that can be implemented in payment provider platforms (Stripe, Shopify, Adyen) to proactively reduce dispute + fraud rates." } ], "question_answers": null, "url": "https://www.ycombinator.com/companies/corgi-labs", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/corgi-labs.json", "year_founded": 2022, "city": "Singapore", "country": "SG", "linkedin_url": "https://www.linkedin.com/company/corgiai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/48ab8ae360dddc3659ad06077db5d3349b75b91f.png", "app_video_url": null, "dday_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/video_event/60/1680797717037-b3zrie54je5-a536a7c3970623624f5cc8afa2567756/235544e43fbad7d99d2453d70ba407c8.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=AKIAQC4NIECABPQ2AHNW%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022712Z&X-Amz-Expires=3600&X-Amz-SignedHeaders=host&X-Amz-Signature=c25cdb58e907eb0a6723b9f38d62f5d1afe79894866f3512bb2e2402c32fa60b", "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 814645, "full_name": "Saif Farooqui", "title": "Founder", "founder_bio": "Saif is the founder of Corgi Labs, where he builds modern fraud and payments intelligence for fast-growing businesses. Previously, Saif was a Data Scientist at Stripe, Google and Facebook (now Meta), and a healthcare economist in an earlier life.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sfarooqui1/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f2ad4d600f7b49b35fd5a55c920cd563d9bc8281.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 28088, "name": "Waza", "slug": "waza", "former_names": [ "Waza Technologies Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/92a57e4deee6a07f869cbb379f62bfb1f52114d2.png", "website": "https://waza.co/", "all_locations": "Lagos, LA, Nigeria", "long_description": "Waza is the B2B platform for global payments and emerging market trade. We make it easy and affordable for businesses with no access to USD to fulfil their global payment obligations, treasury and liquidity needs. ", "one_liner": "B2B payments platform for emerging markets.", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1673373183, "tags": [ "Fintech", "Payments", "B2B", "Emerging Markets" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Nigeria", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/waza", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/waza.json", "year_founded": 2022, "city": "Lagos", "country": "NG", "linkedin_url": "https://www.linkedin.com/company/wazahq", "x_url": "https://x.com/waza_hq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/92a57e4deee6a07f869cbb379f62bfb1f52114d2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1196020, "full_name": "Maxwell Obi", "title": "Founder", "founder_bio": "Maxwell is a 2x founder and experienced FinTech entrepreneur. Before Waza, he served as the Global Head of Business at Sendwave (W12) - which got acquired by Worldremit for $500M. While there he navigated partnerships and regulatory relationships in Africa, Asia and Latin America. Prior to that, he was the Co-founder of Amplify, a Nigeria-based FinTech which got acquired by Carbon in 2019. Maxwell has a background in Software Engineering and holds a Degree in Computer Science.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/maxwellobi/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/342a2e097c7b1964a103fb53c687c34aa034a359.jpg" }, { "user_id": 506638, "full_name": "Emmanuel Igbodudu", "title": "Founder", "founder_bio": "Emmanuel is a software engineer with strong experience building financial technology products. Betore Waza, he was a senior engineer at Revolut in London helping to build the vaults product. Prior to Revolut he had held leading roles at Fairmoney, Carbon and TeamApt (now Moneypoint)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/emmanuel-igbodudu/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/71db6c7173c23fa3d2216cc194de918b449a277d.jpg" } ], "jobs": [], "news": [ { "title": "Waza comes out of stealth with $8M to power global trade for African businesses | TechCrunch", "url": "https://techcrunch.com/2024/08/19/waza-comes-out-of-stealth-with-8m-to-power-global-trade-for-african-businesses/", "date": "Aug 19, 2024" } ], "launches": [] }, { "id": 28366, "name": "Vendora", "slug": "vendora", "former_names": [ "Jaldi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c7be06dcb8a54a9986497faea1a7a0198198f052.png", "website": "https://www.vendora.io/", "all_locations": "New York City, NY, USA", "long_description": "Vendora is building a generational company in one of the largest industries out there - grocery. We build software to serve the $1 trillion dollar (over 3% of US GDP) grocery industry. This ranges from point of sale, payments, e-commerce, inventory management, loyalty, and advanced analytics with more on the horizon. \r\n\r\nWe’re taking bleeding edge technology and an AI-focused approach to modernizing an industry stuck in legacy software and practices. Backed by Y Combinator and investors with deep expertise in retail, we are a team of operators from Amazon, Uber, Tesla, Figma and McKinsey in transforming a sector that touches us all.\r\n\r\n", "one_liner": "All-in-One Software for the $1T Grocery Industry", "team_size": 4, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1677283319, "tags": [ "Grocery", "Payments", "B2B", "Retail", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Retail" ], "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/vendora", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/vendora.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/getvendora", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c7be06dcb8a54a9986497faea1a7a0198198f052.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": 1224770, "full_name": "Sunny Singh", "title": "Founder", "founder_bio": "Sunny Singh grew up in supermarkets - his family owns and operates a mid-sized chain in the US. He has carried a passion for food and retail throughout his career. Prior to founding Vendora, Sunny was the Head of US Strategy & Expansion for Uber Grocery/Cornershop. He joined Cornershop from Amazon, where he spent years across their grocery businesses, speciality fulfillment, and search science and AI teams. Sunny graduated from Columbia University and is a proud native New Yorker. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sunnysng/", "x_url": "https://twitter.com/yetanothersunny", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3816805d2f3c62d2f009311ab8030ad9621922c9.jpg" } ], "jobs": [ { "id": 69135, "title": "Full Stack Software Engineer at Vendora (W23)", "url": "https://www.ycombinator.com/companies/vendora/jobs/HFjtfzf-full-stack-software-engineer-at-vendora-w23", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$70K - $160K", "equity_range": "0.15% - 0.80%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Express", "JavaScript", "MongoDB", "Node.js", "PostgreSQL", "React", "React Native", "TypeScript", "Next.js" ] } ], "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": 74433, "title": "🛒 Vendora - Ecommerce enablement for grocery", "tagline": "Vendora is a vertical saas platform that enables grocers to earn more revenue and better manage their operations online.", "body": "Hey all! I’m Sunny, the founder of [Vendora](https://www.vendora.io/).\n\n**tl;dr** At Vendora, we build vertical saas for the grocery industry - today we focus on e-commerce enablement, helping grocers make the most of their digital channels. Think of us as Shopify Meets Toast for supermarkets.  \n\n### Problem\n\nA monumental $800B grocery industry runs on outdated systems and manual processes. In an age where 12% of grocery sales have gone online, many grocers are getting left behind, lacking the tools to adapt and make the most of this emerging channel. Grocers need to adapt to compete with the Amazon and Walmarts of the world.\n\n### Solution\n\nVendora is solving this problem by being the one platform grocers need to engage with customers digitally. We make it easy for them to succeed online. \n\nBy connecting with their existing stack, we ingest their data, augment it through our AI powered workflows, and set up accurate, enhanced data feeds to their third parties. We also give them their own storefront (website and app) so they can own more of the customer relationship. Along with all this, we give them the tools to easily manage these channels, optimize their performance, and engage with their customers.  \n\n### Who am I?\n\n![uploaded image](/media/?type=post&id=74433&key=user_uploads/1224770/f850f527-6a20-494e-be39-33fa37d566cb)\n\nI’ve quite literally have been in the grocery space for my entire life. \n\nI grew up in grocery stores, working in my family’s supermarkets, seeing it go from a single 500 sq ft family store in Queens, NY to a chain of stores. I’ve seen it all first hand (stocking, the register, backoffice, you name it). \n\nProfessionally, I was the Head of US Strategy at Uber Grocery coming in through Uber’s acquisition of Cornershop, where I earned my startup stripes. I began my career at Amazon's US Grocery team, worked on ops for Amazon Fresh, and then the Search Science and AI team. I’ve seen how some of the best companies on the planet run things and I’m channeling that expertise into Vendora. \n\n### Ask\n\nKnow any grocers that want to start selling online or earn even more on existing channels? Send them our way. [founders@vendora.io](mailto:founders@vendora.io)", "url": "https://www.ycombinator.com/launches/JMX-vendora-ecommerce-enablement-for-grocery", "votes": 25, "created_at": "2023-08-28T14:59:06.995Z" }, { "id": 69777, "title": "🛒🥭 Jaldi – South Asian Groceries Delivered!", "tagline": "Jaldi is the online supermarket for South Asians living in the US", "body": "Hey everyone!  Sunny here from [Jaldi](https://getjaldi.com/). \n\nTL;DR: **Jaldi delivers your favorite South Asian groceries, household items, and beauty products right to your door**. Give us a try (use discount code LaunchYC at checkout or [click here to have it autoapply](https://getjaldi.com/discount/LaunchYC)) and share with your friends (). \n\n### 🛒 **What is Jaldi?**\n\nJaldi is the online supermarket for South Asians living in the US. We deliver thousands of South Asian grocery, beauty, and household products right to customers’ doors through nationwide and same-day local delivery. Available at [getjaldi.com](http://getjaldi.com) and on [our mobile apps](https://getjaldi.onelink.me/0mSJ/j3y5iudn), we offer the most seamless shopping experience for anyone looking to explore the rich cultural diversity of South Asia or simply get a taste of home. \n\n![uploaded image](/media/?type=post&id=69777&key=user_uploads/1224770/0bf887ba-cb0f-499b-a287-d9447dfe5536)\n\nCurrently we offer nationwide shipping of non-perishable items (get your [Kurkure](https://getjaldi.com/products/kurkure-masala-munch-82g/?variant=%2044438553690429), [Thums Up](https://getjaldi.com/products/thumps-up-300-ml/?variant=%2044141331218749), [Dals](https://getjaldi.com/pages/dal-beans?filter.p.tag=Nationwide), etc.) and local same-day delivery of a full selection of South Asian groceries ([dahi](https://getjaldi.com/products/0rganic-whole-milk-dahi-2-l?variant=44141385253181), fruits & vegetables, frozen meals, etc.) in New Jersey. \n\n### 🤔 **Why does Jaldi exist?**\n\nWhile the last five years saw a fivefold increase in US online grocery penetration, little has changed for South Asians living in the US. Few South Asian supermarkets offer delivery and often struggle on inventory and quality when they do. Selection online can often be expensive, elusive, and leave the customer wanting for more. \n\n**The South Asian consumer deserves better. That’s why I started Jaldi.** \n\nSouth Asians in the US are the highest earning and fastest growing ethnic demographic - yet there are few shopping experiences that cater specifically to them. Jaldi is building the first-class e-commerce experience for the South Asian diaspora. The next wave in retail will be cultural commerce, how communities shop and interact with what they buy. Jaldi is leading the way in this emerging space. \n\n### 🧔🏻‍♂️ **Why am I the one building this?**\n\nI’ve spent my life in this space. I grew up in South Asian supermarkets - my family runs a large chain in the US. My first job out of college was working on Amazon’s grocery business, wearing many hats over the few years I spent there. Most recently, I was the Head of US Strategy & Expansion for Uber’s Grocery business. I’ve seen the grocery industry (and specifically the South Asian consumables space) from multiple angles and see the opportunity to build an amazing customer experience here. \n\n### 💥 **The Deal**\n\nOrder! Browse the site ([check out our Popular Picks](https://getjaldi.com/pages/popular-picks) if you can’t make up your mind).You can use the discount code LaunchYC at checkout for 10% off and free shipping on your first $50 order. \n\n* [Download the app](https://getjaldi.onelink.me/0mSJ/j3y5iudn)\n* [Go straight to](https://getjaldi.com/) [getjaldi.com](http://getjaldi.com)\n\n### 🙏🏽 **Our Ask**\n\nFollow us and share! We’ll be highlighting some of our favorite products and special deals on our socials, help us spread the word!\n\n* [Facebook](https://www.facebook.com/getjaldiofficial)\n* [Instagram](https://www.instagram.com/getjaldi/)\n* [Twitter](https://twitter.com/getjaldi)\n* [Pinterest](https://www.pinterest.com/getJaldi/)\n* [Linkedin](https://www.linkedin.com/company/getjaldi)\n\n### 🗣️ **What are customers are saying?**\n\n_I love your service. Please accept few more orders in future._ \\[He bought all of our inventory on a product\\]_. Great work! Thank you for your business_ \n\n_Sunny!!! I got the groceries. Seamless process, actually so smooth._\n\n_Honestly, I had never stepped foot into a South Asian supermarket and didn't know what to expect. Ordered some of the recommended products, now I can't get enough of Thums Up and Kurkure!_\n\n![uploaded image](/media/?type=post&id=69777&key=user_uploads/1224770/6576e5fd-0ca9-4e38-93d8-1ad4934e03ac)\n\n_Screenshot shared by an enthusiastic batchmate and Jaldi fan!_", "url": "https://www.ycombinator.com/launches/I9R-jaldi-south-asian-groceries-delivered", "votes": 159, "created_at": "2023-02-28T20:07:14.007Z" } ] }, { "id": 28413, "name": "SpecCheck", "slug": "speccheck", "former_names": [ "SpecCheck Inc.", "SpecCheck Inc" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e0a3c07cf6fd105816972e25920b72ed037437e2.png", "website": "https://www.speccheckrx.com/", "all_locations": "Los Angeles, CA, USA; Remote", "long_description": "SpecCheck is an all-in-one solution that provides accurate prescription eyewear ordering and tracking, seamless billing, and streamlined communication between patients, eye doctors, and their lab partners. SpecCheck’s users work more efficiently and make fewer costly errors, increasing productivity and improving their overall workflow. ", "one_liner": "Unifying how the optical industry does business.", "team_size": 5, "industry": "B2B", "subindustry": "B2B", "launched_at": 1677042336, "tags": [ "SaaS", "Payments", "Health Tech", "B2B", "API" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/speccheck", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/speccheck.json", "year_founded": 2022, "city": "Los Angeles", "country": "US", "linkedin_url": "https://www.linkedin.com/company/speccheck/", "x_url": "https://twitter.com/SpecCheckRx", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e0a3c07cf6fd105816972e25920b72ed037437e2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 1253422, "full_name": "Joe DeMaria", "title": "Founder", "founder_bio": "Joe is the co-founder and CEO of SpecCheck. Beginning his career as an optician, Joe has worked on all sides of the optical industry and most recently managed top territories for Johnson and Johnson Vision. Joe’s ultimate vision (pun intended) is to create a piece of technology which unifies the patient, doctor, and third party vendors in a single elegant solution. When he’s not busy with SpecCheck, you can find Joe cooking in the kitchen, sailing, or playing video games. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joe-demaria-15a15943/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/cbb7fc10d0da1d33c8833c5380f634211aef147f.jpg" }, { "user_id": 1251063, "full_name": "Arnold Villatoro", "title": "Founder", "founder_bio": "Arnold is the co-founder and CTO of SpecCheck. Arnold has been a software engineer for almost a decade, starting his career at Workday. Most recently, he lead the payments team at Lyft. Outside of work and tech, Arnold enjoys working out, is a big foodie, has a cat named Peanut, and loves Super Smash Brothers. Fun fact: Arnold was born in Honduras!", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/arnold-villatoro-85629330", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3b49230e47a162a6d6a9ec56ee94bbd3ba4d954b.jpg" } ], "jobs": [], "news": [ { "title": "SpecCheck eyes $4M seed to modernize optometry", "url": "https://www.axios.com/pro/health-tech-deals/2023/10/04/speccheck-raises-4m-seed-optical-payment-software", "date": "Oct 04, 2023" } ], "launches": [ { "id": 69528, "title": "👓 SpecCheck - Unifying how the optical industry does business", "tagline": "We help eye doctors submit & track Rx orders, pay bills, notify patients, and more.", "body": "**_Tl;dr:_** _SpecCheck is an all-in-one solution that provides accurate prescription eyewear ordering and tracking, seamless billing, and streamlined communication between patients, eye doctors, and their lab partners. SpecCheck’s users work more efficiently and make fewer costly errors, increasing productivity and improving their overall workflow._\n\nHello, World! We’re Joe DeMaria and Arnold Villatoro, the co-founders of [SpecCheck](http://www.speccheckrx.com). Together with our team of industry experts and seasoned software engineers, we’re on a mission to revolutionize the optical industry.\n\n![uploaded image](/media/?type=post&id=69528&key=user_uploads/1251063/d58a9c75-3474-4b78-a5af-978c0f8eea1c)\n\n_Co-founders Joe DeMaria and Arnold Villatoro_\n\n### **❌ The Problem: Current optical industry software sucks!**\n\nDid you know it takes a coordinated team of eye doctors, opticians, technicians, and an optical lab to successfully dispense a _single pair_ of prescription eyeglasses? Despite this complex balancing act, each of these groups are forced to use antiquated technology and systems built in the 1990s that are fragmented, outdated, and limited to specific use cases. This results in glasses taking longer than they should to reach the patient, and results in expensive remakes. Not-so-fun fact: one in ten pairs of glasses needs to be redone before they are ready for pick up.\n\n### 😎 **The Solution: SpecCheck**\n\nSpecCheck is a unified ordering, billing, and communications platform designed specifically for the optical industry. Our solution centralizes all processes involved in the purchasing and manufacturing of prescription eyewear, saving time and reducing costly errors. Some of our features include: \n\n* **✨ Modern Dashboard:** Our simple and intuitive dashboard appeals to both new and veteran eye doctors.\n* **👓 Order Entry:** The easiest way for eye doctors to electronically transmit eyewear orders to optical laboratories, with advanced data validations to reduce errors.\n* **💳 Payments Processing:** Doctors can conveniently pay lab invoices directly from our platform.\n* **💬 Customer Service Live Chat:** Communicate more efficiently with optical labs to check order statuses, make edits, and request additional information.\n* **🔔 Patient Notifications & Tracking:** Keep patients in the know with one-click order notifications and our self-service patient order tracker.\n\n![uploaded image](/media/?type=post&id=69528&key=user_uploads/1251063/7a550fda-8c41-49eb-8cf3-c4478ff946f1)\n\n_SpecCheck’s Dashboard_\n\n### **⭐ Why Us?**\n\n[Joe](https://www.linkedin.com/in/joe-demaria-15a15943/) began his career in the optical industry in 2012, working as an optician for several different offices. In 2016 he was recruited to work for a key industry player, Shamir Insight, and afterwards for Johnson & Johnson Vision as a sales executive. As he traversed the industry in various roles, Joe realized that thousands of other eye doctors and optical labs were suffering from the same problems and frustrations he had encountered during his career. \n\nWhen Joe approached his friend [Arnold](https://www.linkedin.com/in/arnold-villatoro-85629330/) about creating a new technology resource to unify the fragmented optical industry, Arnold was quick to see the vision (pun intended). Arnold’s career started at Workday building the infrastructure for an internal job scheduler. Most recently, Arnold was the lead staff engineer for the payments infrastructure and processing teams at Lyft. With his diverse experience designing scalable and easy-to-use technology solutions for millions of users, Joe and Arnold make the perfect co-founding team.\n\n### 🙏 **Our Asks**\n\n* **📣 Sharing:** Share this post with your network, and follow us on [LinkedIn](https://linkedin.com/company/speccheck)!\n* **➡️ Referrals:** Connect us with any family, friends, or colleagues who work in the optical industry. \n* **🖥️ Product Demos:** If you’re in the industry and would like to learn more about [SpecCheck](https://www.speccheckrx.com/), please [contact us today](https://www.speccheckrx.com/contact).\n* **🚀 Investors:** Please reach out to us at [investors@speccheckrx.com](mailto:investors@speccheckrx.com) to discuss investment opportunities.\n\n ", "url": "https://www.ycombinator.com/launches/I5Q-speccheck-unifying-how-the-optical-industry-does-business", "votes": 58, "created_at": "2023-02-22T05:30:14.909Z" } ] }, { "id": 28842, "name": "Capi Money", "slug": "capi-money", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/249f2d014e80e76b7160b87839d01124197e6690.png", "website": "https://www.capimoney.com", "all_locations": "London, England, United Kingdom", "long_description": "Capi helps businesses in emerging markets make international payments. Importers in emerging markets pay up to 10% to settle invoices and wait weeks for payments to arrive. We’re on a mission to give businesses in emerging markets the same price and speed as we expect in the US and Europe.", "one_liner": "Helping businesses in emerging markets make pay their international…", "team_size": 40, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1690922885, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/capi-money", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/capi-money.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://linkedin.com/company/capimoney/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/249f2d014e80e76b7160b87839d01124197e6690.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/6b6f411e3a5251437d731d9f146806ca81ad3d93.png" ], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1237746, "full_name": "Mitch Riley", "title": "Founder/CEO", "founder_bio": "Co-founder and CEO of Capi Money (S23). Ex COO/CFO/GC of Taptap Send, a unicorn remittance company sending billions of dollars a year into Africa. Spent 4.5 years setting up new markets in Africa and LatAm for GiveDirectly and managing field operations. Recovering lawyer (ex Cravath)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mitchriley/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fd8fc3dff97eccab84a73a6dac7a57fda7397ed3.jpg" }, { "user_id": 1372457, "full_name": "Scott Liddle", "title": "Founder", "founder_bio": "Cofounder leading expansion at Capi Money. Previously CRO/CMO at Taptap Send, a unicorn remittance app: launched 25 markets across Africa, Asia and LatAm. Founded SpareHand volunteer platform in the UK: 1M meals delivered in Covid. Special Advisor to Rory Stewart, UK Secretary of State for International Development. Regional Director at Turquoise Mountain managing ~200 ppl across Middle East and Afghanistan. Speaks half a dozen languages.", "is_active": true, "linkedin_url": "https://linkedin.com/in/scott-liddle-890678195", "x_url": "https://twitter.com/ScottDRLiddle", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0c5cbb6fdd72b737b87d44263fb6e1ebc5ca3b62.jpg" } ], "jobs": [ { "id": 71298, "title": "Senior Fullstack Engineer", "url": "https://www.ycombinator.com/companies/capi-money/jobs/SKgykBX-senior-fullstack-engineer", "location": "London Office / Paris, Île-de-France, FR / Dakar, Dakar Region, SN / Abidjan, Abidjan Autonomous District, CI / Douala, Littoral Region, CM", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£80 - £120 GBP", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 75450, "title": "Launcher", "url": "https://www.ycombinator.com/companies/capi-money/jobs/onTuIwb-launcher", "location": "Paris or London", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "£65K - £85K GBP", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 73937, "title": "Capi Money - International payments for importers in Africa", "tagline": "Helping businesses in Africa pay their international suppliers", "body": "Hey everyone, we’re [Capi Money](https://capimoney.com) and we help businesses in Africa pay their international suppliers. Importers in Africa pay up to 10% to settle international invoices and wait weeks for their payments to arrive. We’re giving businesses in Africa the same price and speed as we expect in the US and Europe.\n\n**We recently launched in Senegal** 🇸🇳 and have booked over $1.5m of payments in our first two weeks. We’re launching Cameroon this month and are currently scoping out Egypt.\n\n### **😫 The problem our first customer experienced**\n\nTwo weeks ago Mitch and Scott (2/3 of the founding team) were in Senegal visiting our local agent-distributor, and onboarding our first customers: a bookshop and an industrial soap-maker.\n\nThe former imports books from Europe and sells them in Dakar. All their revenue is in local currency (XOF) but their supplier invoices are in Euros. They’ve struggled to pay these invoices as:\n\n* Either the bank doesn’t have any Euros to sell them or if they can find Euros elsewhere (e.g. a broker), they pay 5%-10% in FX fees; and\n* They have to wait weeks and sometimes months for payments to reach their suppliers, which risks their being cut off by their supplier for late payment.\n\nWe provide an alternative source of foreign currency by finding organisations that are sending money into Senegal and therefore want XOF and are willing to trade Euros for it. All of this happens behind the scenes and all they need to do is create the transaction in our online platform and send us the XOF, just like a US business using Wise or Payoneer.\n\n### **👋 A bit about us**\n\n![uploaded image](/media/?type=post&id=73937&key=user_uploads/386554/aedb1a43-f231-4fb4-a6b4-4481c1ce0cc3)\n\nMitch (right) and Scott (middle) met at Taptap Send, a remittance app that sends billions into Africa and Asia every year. There they were COO/CFO and CRO/CMO, and have spent a decade each working in emerging markets. Tom (left) is a 3rd-time founder having been co-founder and CTO at Hubble (a B2B marketplace) and P4SD (a web3 NFT company).\n\n### **🙏 How you can help**\n\nGet in touch if you or anyone you know is:\n\n* A business in Africa making regular international payments;\n* An international exporter, selling goods or services into Africa;\n* A business regularly sending funds into Africa (e.g. remittance firm, HR/payroll company)\n\nYou can either sign up to transact on our website (), or reach out to us at [founders@capimoney.com](mailto:founders@capimoney.com)", "url": "https://www.ycombinator.com/launches/JEX-capi-money-international-payments-for-importers-in-africa", "votes": 34, "created_at": "2023-08-09T13:51:31.209Z" } ] }, { "id": 28929, "name": "Bretton AI", "slug": "bretton-ai", "former_names": [ "Greenlite AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a2e212679d6416b22e5a93c56292d0faf00edc5.png", "website": "https://www.bretton.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Bretton runs AI-native operations for the financial back office. OCC, Fed and FDIC regulated banks use Bretton to run compliance, risk, fraud operations on one platform, on their own data and policies, with every output traced, cited, and audit-ready.\r\n\r\nBretton has pioneered AI use in financial services with its proprietary Trust Infrastructure — a system of model validation, governance and auditability guardrails that enables AI use in key regulated workflows.\r\n", "one_liner": "AI-native operations for the banks", "team_size": 34, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1687929703, "tags": [ "Fintech", "Payments", "B2B", "Compliance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bretton-ai", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/bretton-ai.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/bretton-ai/", "x_url": "https://twitter.com/brettonai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1a2e212679d6416b22e5a93c56292d0faf00edc5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/936cd307dccb74fa9e3b71397752f4250ce6a5b7.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1152966, "full_name": "Will Lawrence", "title": "Founder", "founder_bio": "Will led product for Facebook's anti-money laundering (AML) platform, combatting financial crimes across payment, gaming and e-commerce use cases. He also built core compliance infrastructure at Paxos, a growth-staged fintech that powers over 10M crypto wallets globally. \n\nHe's now Co-founder and CEO of Greenlite, helping fintechs scale financial crime operations with AI.", "is_active": true, "linkedin_url": "https://linkedin.com/in/lawrencewill", "x_url": "https://twitter.com/will_lawrenceTO", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dfe9f928e4429829c72f6b0ed36b1a16c28a68a0.jpg" } ], "jobs": [ { "id": 72400, "title": "Enterprise Account Executive", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/Dh7ku1P-enterprise-account-executive", "location": "San Francisco, CA, US / New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$220K - $300K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90600, "title": "Software Engineer, Product", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/dqOP6MV-software-engineer-product", "location": "San Francisco, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$168K - $213K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90602, "title": "Software Engineer, Infrastructure", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/RnFi0pT-software-engineer-infrastructure", "location": "San Francisco, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$168K - $213K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 92361, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/E8Bd0s3-forward-deployed-engineer", "location": "San Francisco, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 94012, "title": "Solutions Engineer", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/J6AykVR-solutions-engineer", "location": "Remote (US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94017, "title": "Financial Crime Analyst", "url": "https://www.ycombinator.com/companies/bretton-ai/jobs/JkfdrLs-financial-crime-analyst", "location": "Remote- United States / San Francisco, CA, US / Remote (US)", "type": "Contract", "role": "Operations", "role_type": null, "salary_range": "$28 - $70 / hourly", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Greenlite AI Raises $15 Million Series A | Greenlite.ai", "url": "https://www.greenlite.ai/blog/greenlite-ai-raises-15-million-series-a", "date": "May 21, 2025" }, { "title": "Exclusive: Anti-money laundering startup Greenlite gets $4.8 million", "url": "https://www.axios.com/pro/fintech-deals/2023/11/08/exclusive-anti-money-laundering-ai-startup-greenlite-4m", "date": "Nov 08, 2023" } ], "launches": [ { "id": 72627, "title": "Greenlite 🟢 AI compliance teams for fintechs", "tagline": "A workforce of AI agents that augment AML and KYC teams", "body": "**TL;DR**\\\n[Greenlite](https://www.greenlite.ai/) helps fintechs unlock growth with an AI compliance team.\n\nOur workforce of AI agents tirelessly handle routine AML and KYC tasks, allowing your team to focus on higher-leverage work.\n\nIf you’re a fintech or compliance leader, get in touch at [founders@greenlite.ai](mailto:founders@greenlite.ai).\n\n## **Problem**\n\nFintech compliance teams **spend millions of dollars on manual anti-money laundering (AML) and know-your-customer (KYC) reviews**. To support customer growth, fintechs turn to outsourced analysts or consultants to complete these reviews.  The workflows assigned to outsourced teams are routine, clearly-defined and require risk-based decisions to be escalated to a full-time employee (FTE).\n\n**Managing outsourced analysts is painful and expensive.** Training takes months, quality assurance is a challenge and any additional tooling/automation needs to be built by your internal engineering teams.\n\n**Critically, the productivity of these AML teams are low**. [McKinsey estimated](https://www.mckinsey.com/capabilities/risk-and-resilience/our-insights/the-investigator-centered-approach-to-financial-crime-doing-what-matters) that as little as 15% of an AML investigator’s time is spent actually investigating. Manual processes, administrative tasks and limited working hours leave backlogs to grow, increasing risks of a major fine.\n\n### **Solution**\n\n[Greenlite](https://www.greenlite.ai/)’s AI agents learn your alert review process and work 24/7 to complete entry-level KYC and AML tasks.\n\nThey pair language models and 200+ data sources to action false positives, investigate high-risk customers and create audit-ready narratives. \n\nSuspicious activity is escalated to your FTEs, allowing you to be in control of risk based decisions.\n\n## **Here’s how it works**\n\n### Choose where you need staff augmentation\n\nGreenlite supports three agent archetypes (with more to come). Each one can learn your company’s specific workflows to handle routine cases.\n\n![uploaded image](/media/?type=post&id=72627&key=user_uploads/1152966/7d2bc16b-7e94-41f7-8bd4-4ef467c09b8c)\n\n### Add your policy, data sources and fuzziness thresholds\n\nUpload your workflow policy, define the data sources that are needed for this job and determine the fuzziness threshold you’re comfortable with.\n\n![uploaded image](/media/?type=post&id=72627&key=user_uploads/1152966/55090200-1b67-4d7f-ae1d-e21c04863a24)\n\n### Review escalated cases\n\nAgents will escalate cases that require a risk based decision. Importantly, your FTEs get an enriched case, complete with entity investigation details, data analysis and open-source intelligence to make high quality decisions more efficiently.\n\n![uploaded image](/media/?type=post&id=72627&key=user_uploads/1152966/07dccab8-c387-42e5-8a02-2fd4a2e6cfdf)\n\nSchedule a demo [here](https://cal.com/greenlite/greenlite-demo) to see how Greenlite can help you scale your compliance operations with AI instead of outsourced teams.\n\n### **Benefits of Greenlite:**\n\n1. **Higher quality, transparency and control of reviews**: give your team better visibility and control of your AML operations.\n2. **Dramatic savings**: using automated systems instead of human-reviewers will unlock capacity for strategic priorities.\n3. **Unblock growth**: with near-instant compliance capacity, your team can focus on higher-priority initiatives, like license applications, complex investigations and scaling core systems.\n\n### **Who are we?**\n\nWe’re [Alex](https://www.linkedin.com/in/jinalex/) and [Will](https://www.linkedin.com/in/lawrencewill/). \n\nWill led product teams working on Facebook's anti-money laundering (AML) platform, combating financial crimes across payment, gaming and e-commerce use cases. He also built core compliance infrastructure at Paxos, a growth-staged fintech that powers over 10M crypto wallets globally. \n\nAlex was an engineer and product manager at Dropbox. He was the first employee at Flixed where he led product development and built a programmatic content engine.\n\nTogether, we’re excited to help fintech compliance teams unlock unprecedented growth with AI.\n\n### **Looking to connect with fintech compliance teams!**\n\nWe’re happy to help fintech compliance teams define their AI strategy. Get in touch at [founders@greenlite.ai](mailto:founders@greenlite.ai).", "url": "https://www.ycombinator.com/launches/ItP-greenlite-ai-compliance-teams-for-fintechs", "votes": 52, "created_at": "2023-06-28T20:29:37.792Z" } ] }, { "id": 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": 28979, "name": "Slicker", "slug": "slicker", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a6d3f0c8afa88cbacfb092cfdf786243c3f8519.png", "website": "https://www.slickerhq.com", "all_locations": "London, England, United Kingdom", "long_description": "Slicker eliminates involuntary churn through AI-powered retries, tailored for your business. Our proprietary engine automatically monitors, detects, and recovers failed recurring payments, so you can convert past due invoices into revenue.", "one_liner": "Recover payment failures and maximize subscription Revenue", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1687798337, "tags": [ "FinOps", "SaaS", "Payments", "Subscriptions", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/slicker", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/slicker.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/slicker", "x_url": "https://twitter.com/SlickerHQ", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8a6d3f0c8afa88cbacfb092cfdf786243c3f8519.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1015087, "full_name": "Dani Penev", "title": "Founder", "founder_bio": "Dani Penev is the co-founder and CEO of Slicker, the AI-powered subscription failure recovery platform. He has multiple years of experience in payments, having built global bank transfer solutions at Stripe and Thought Machine. Dani graduated from the University of Glasgow where he worked on a food-delivery startup with his co-founder.", "is_active": true, "linkedin_url": "https://linkedin.com/in/dani-penev", "x_url": "https://twitter.com/danipenev", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/769e23b39e749047800202ac019a085c118b8fea.jpg" }, { "user_id": 1003392, "full_name": "Ivan Valkov", "title": "Founder", "founder_bio": "Ivan Valkov is the co-founder and CTO of Slicker, the AI-powered subscription failure recovery platform. He has built and scaled products and teams in companies ranging from early-stage startups to large corporations. Ivan co-hosts a podcast and will publish his fantasy novel one day.", "is_active": true, "linkedin_url": "https://linkedin.com/in/ivan-valkov", "x_url": "https://twitter.com/ivvalkov", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7a19fa5141b79172164eac45e50abb801ca52bfa.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 29003, "name": "DisputeNinja", "slug": "disputeninja", "former_names": [ "Trench", "Dispute Ninja" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/be80458dcbfc97e8fb3e29817ae9f8981da73858.png", "website": "https://www.disputeninja.ai", "all_locations": "San Francisco, CA, USA", "long_description": "DisputeNinja helps software and AI startups automate their chargebacks and recover revenue.", "one_liner": "Automate your chargebacks with AI agents", "team_size": 2, "industry": "B2B", "subindustry": "B2B", "launched_at": 1690854655, "tags": [ "SaaS", "Payments", "B2B", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/disputeninja", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/disputeninja.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/trytrench", "x_url": "", "fb_url": null, "cb_url": null, "github_url": "https://github.com/trytrench/trench", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/be80458dcbfc97e8fb3e29817ae9f8981da73858.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 565867, "full_name": "Max Wu", "title": "Founder", "founder_bio": "Fighting Stripe disputes at Dispute Ninja", "is_active": false, "linkedin_url": "https://linkedin.com/in/maxcwu", "x_url": "https://twitter.com/legitmaxwu", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7c6343c78be51aef0aa7b839dcee2bfb7ff29f5e.jpg" }, { "user_id": 279630, "full_name": "Bowen Xue", "title": "Founder", "founder_bio": "Fighting chargebacks @DisputeNinja (YC S23). Prev @Together (YC S19)", "is_active": false, "linkedin_url": "https://linkedin.com/in/bowenxue", "x_url": "https://twitter.com/xboxue", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8792d78336aa786d7540e1ff959deebe61562c15.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 89254, "title": "DisputeNinja 🥷 AI-powered Chargeback Responses", "tagline": "Recover 2x more revenue from chargebacks", "body": "**DisputeNinja uses AI to help businesses recover 2x more revenue from chargebacks.** In the past 3 months, we’ve helped 200+ Stripe merchants recover hundreds of thousands in lost revenue.\n\n\n\n# **The Problem**\n\nIf you’re a business who’s dealt with chargebacks, you’ve probably felt this:\n\n🧨 **You did everything right and still lost the money**\n\n_“We shipped the product, supported the customer, submitted everything we had… and still lost.”_\n\nThe worst of all is, you don’t even know why you lost. It starts to feel like chargebacks are unwinnable, no matter what you do.\n\n* You didn’t know what to submit in the first place, since the guidelines weren’t clear\n* The loss reason from the bank is vague and unhelpful\n* And now Stripe’s adding a $15 fee every time you lose, making it even worse\n\n**🕒 It takes too much time**\n\n_“It’s not worth an hour just to lose $50.”_\n\n* Writing a response takes 30–60 minutes.\n* Gathering the evidence is a headache. It’s spread across Stripe, Shopify, email, shipping tools, and more.\n* Each case is a little different, so you can’t just copy-paste your last one.\n\n# **The Solution**\n\n**✨ AI-generated responses**\n\nUpload your evidence and DisputeNinja will write a tailored response for you, using past disputes we’ve won for similar products and businesses.\n\n![uploaded image](/media/?type=post&id=89254&key=user_uploads/279630/bc6a262a-06da-4c2c-866e-1b080809d479)\n\n**✅ Evidence checks**\n\nDisputeNinja evaluates your evidence against the chargeback reason code and tells you exactly what’s needed to win.\n\n![uploaded image](/media/?type=post&id=89254&key=user_uploads/279630/e35c285f-3bf0-45f2-bf94-32a5e1acd4f2)\n\nIn the past 3 months, we’ve helped 200+ Stripe merchants recover hundreds of thousands in lost revenue.\n\n# **The Ask**\n\n* [Try us out for free](http://disputeninja.ai) on Stripe or Shopify\n* If you handle 30+ disputes monthly, we can help with automating your disputes. If you’re interested, book a time on my [Calendly](https://calendly.com/disputeninja/30min) or reach\n\n out at [bowen@disputeninja.io](mailto:bowen@disputeninja.io).\n\n![uploaded image](/media/?type=post&id=89254&key=user_uploads/279630/04fe8187-c048-4ddb-9e30-2c48a65d868e)\n\n", "url": "https://www.ycombinator.com/launches/NDa-disputeninja-ai-powered-chargeback-responses", "votes": 29, "created_at": "2025-04-04T16:58:16.174Z" }, { "id": 73769, "title": "Trench: Open-source fraud prevention platform for marketplaces", "tagline": "Building better fraud prevention tools for everyone", "body": "**TLDR: You can now self-host an open-source fraud prevention solution as a marketplace.**\n\nHi everyone! We’re [Bowen](https://linkedin.com/in/bowenxue) (left) and [Max](https://www.linkedin.com/in/maxcwu/) (right) from [Trench](http://trytrench.com/). We used to work at startups that let you purchase NFTs/crypto via credit card/ACH, and we spent a lot of our time there fighting payment fraud.\n\n![uploaded image](/media/?type=post&id=73769&key=user_uploads/279630/d89c7fe4-fa97-4769-b18b-a9b190ff8bf9)\n\n### **🔥 PROBLEM**\n\n### **Fraud vendors can’t solve fraud for you. Every business outgrows their vendor.**\n\nThere will always be fraud that is specific to your application or business, that no vendor will solve. This is because:\n\n* They don’t know your business.\n* They have a thousand other customers to worry about.\n\nAt one point, fake NFT sellers on our marketplace accounted for **90%** of our fraud, but none of our vendors cared about sellers, let alone NFT projects.\n\nTo reduce fraud, we needed to build new tools and processes that were completely specific to us, like reviewing NFT sellers and analyzing blockchain activity.\n\n### **But existing vendors lock you in.**\n\nBecause existing fraud vendors are hosted and closed-source, it’s a nightmare to build around them:\n\n* **You can’t integrate your own data.** Every time we needed to add a custom field to our vendor’s dashboard, we needed _manual approval_. This process would take an entire week, during which we’d be losing money to fraudsters.\n* **You can’t export all your data.** To retrieve our _own_ payments data from our vendor, we had to write _web scrapers_ because there was no API or export button.\n\n### **🧱 SOLUTION**\n\n### **Trench grows with your business and doesn’t lock you in.**\n\n* **Trench is open-source.** You can modify it for your use case and share your solutions with others.\n* **Trench is self-hosted.** You have full control and access to your data, and you can respond to fraud without asking third parties for permission.\n* **Trench comes with tools out of the box.** You can [deploy](https://docs.trytrench.com) a dashboard and rule engine in one click and you can collect device data with one line of JS.\n\n### **🏠 FOR MARKETPLACES**\n\nIf you’re a marketplace, Trench can help you:\n\n* Prevent buyer and seller fraud in one platform\n* Review sellers by KYC, KYB and transaction history\n* Set transaction limits for both buyers and sellers\n* Automatically assess payments based on both buyer and seller data\n* Integrate directly with Stripe Payments, Identity, and Connect\n\n![uploaded image](/media/?type=post&id=73769&key=user_uploads/279630/60a63aef-cf4c-41ea-81f5-a09138bef002)\n\n### **👀 How do I get started?**\n\nYou can set up Trench in two steps:\n\n* [Deploy](https://docs.trytrench.com) an instance of Trench in minutes\n* Add a code snippet to your checkout page\n\nVisit our [repo](https://github.com/trytrench/trench) to get started or talk to us and we’ll do it for you.\n\n### **🙏 Our ask**\n\nWe’d love to chat if you’re a marketplace thinking about fraud or if you find yourself building a lot of fraud tools in-house: [founders@trytrench.com](mailto:founders@trytrench.com)\n\n⭐ Star our repo on [**Github**](https://github.com/trytrench/trench)", "url": "https://www.ycombinator.com/launches/JBp-trench-open-source-fraud-prevention-platform-for-marketplaces", "votes": 59, "created_at": "2023-08-03T17:08:22.666Z" } ] }, { "id": 29089, "name": "Line.Build", "slug": "line-build", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/02320662022f49489050fc19df1ac3ad750c205e.png", "website": "https://www.line.build/", "all_locations": "San Francisco, CA, USA; Seattle, WA, USA; Remote", "long_description": "Line.Build is software for contractors to seamlessly find and apply for financing and rebates for energy efficiency upgrades. With buildings accounting for almost 40% of US GHG emissions, retrofitting for efficiency is essential to reduce emissions and load on the grid, but expensive. Over $80B of rebates, incentives and financing is available but hyper-fragmented across utilities, federal funds, grants, and green lending programs. Line consolidates disparate sources of funds and simplifies finding and applying for incentives and financing.\r\n\r\nLine is designed to be user-friendly, available in multiple languages, and accessible on both web and mobile devices. Additionally, it provides an API that seamlessly integrates with existing quoting tools, enhancing efficiency and convenience.", "one_liner": "Incentives and financing for energy efficiency upgrades", "team_size": 3, "industry": "B2B", "subindustry": "B2B", "launched_at": 1687386560, "tags": [ "Payments", "Construction", "Climate", "Renewable Energy", "ClimateTech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Inactive", "industries": [ "B2B" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/line-build", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/line-build.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/line-build/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/02320662022f49489050fc19df1ac3ad750c205e.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": 1401886, "full_name": "Stephanie Vasquez", "title": "Founder", "founder_bio": "Leveraging my experience in the risk and payments space to make building decarbonization attainable for everyone. \n\n12+ years in both the public and private sector building and leading product, operations, and analytics teams. Ex-Airbnb, Plaid, Asana, Gusto", "is_active": false, "linkedin_url": "https://linkedin.com/in/svasquezruiz", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/968445dc8c7114a0357563b350e95befa088a525.jpg" }, { "user_id": 1432654, "full_name": "Dasha Cherepennikova", "title": "Founder", "founder_bio": "Excited to be working in climate tech to accelerate the transition to a greener and more energy efficient economy. \n\n12+ years scaling hard problems through automation, ML. Seasoned product leader, experience building teams, taking products 0->1 and 1>100. Ex-Stripe, Airbnb, Google. ", "is_active": false, "linkedin_url": "https://linkedin.com/in/dasha-cherepennikova", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/988b1539f72fe8f92b38d533b7bb920040e9321c.jpg" } ], "jobs": [], "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": 72550, "title": "Line: Enabling affordable building decarbonization", "tagline": "Line empowers contractors with tools that make building decarbonization projects affordable for their customers and boosts conversion rates", "body": "### **Tl;dr**\n\n[Line](https://www.line.build/?utm_source=YCLaunch&utm_medium=post) empowers contractors with tools that make building decarbonization projects affordable for their customers and boosts conversion rates. We consolidate the thousands of rebates, incentives, and green financing options for energy efficiency upgrades, and make it easy for contractors to secure funding for their customers.\n\n**We’re looking for intros to HVAC installers and electrification services for our pilot**. And if you’re thinking about getting a heat pump, we’d love to help you find and apply for rebates and other incentives. Get in touch at [founders@line.build](mailto:founders@line.build)\n\n### **The Problem**\n\nWith buildings accounting for almost 40% of US GHG emissions, retrofitting for efficiency is essential to reduce emissions and load on the grid, but expensive. Over $80B of rebates, incentives and financing is available but hyper-fragmented across utilities, federal funds, grants, and green lending programs. Contractors are often responsible for helping consumers navigate this fragmented landscape - not only does their consumer demand it, but many sources of funding require it. This is leading to an increase in overhead, as they hire Ops teams and consultants to meet demand. Contractors that do not provide this service are seeing their conversion impacted, as consumers look to maximize savings. \n\n### **Our Solution**\n\nLine is a single source of truth for all available funding options. By providing a few pieces of information, such as project address and scope, contractors can easily access all available incentives and financing options available to their customer. Requirements are consolidated and distilled in a simple manner and we make suggestions that help contractors maximize savings for their customers. Maximized savings, means maximized conversion!\n\nOnce the customer is ready to proceed with the project, the contractor can leverage a common application to apply for all eligible programs. We remove the hassle of navigating multiple websites, printing documents, or mailing applications.\n\nOur platform is designed to be user-friendly, available in multiple languages, and accessible on both web and mobile devices. Additionally, we provide an API that seamlessly integrates with existing quoting tools, enhancing efficiency and convenience.\n\n![uploaded image](/media/?type=post&id=72550&key=user_uploads/1432654/02e79c39-4134-4f77-bff2-286ca21bbd57)\n\n### **Our Backstory**\n\nDasha and Steph have worked on payments and risk management for the last 10+ years at companies such as Airbnb, Plaid, Stripe, Asana, Gusto, and Google. We couldn’t think of a bigger risk than climate change, and wanted to find ways to help accelerate the transition to a greener and more energy efficient economy. We learned that cost is a big barrier to deploying technology such as heat pumps. We knew that funds such as utility rebates were available, but were surprised at how hard the process of discovering and applying for them is – so we decided to help solve that! \n\n![uploaded image](/media/?type=post&id=72550&key=user_uploads/1432654/96e73cbe-5f05-4084-b4bc-890df449174a)\n\n### **Ask: How you can help**\n\n* Connect us to contractors such as HVAC installers, residential solar companies, electricians or whole home electrification contractors to try out our pilot\n * _quick blurb to copy & paste:_ [Line](https://www.line.build/?utm_source=YCLaunch&utm_medium=post) is a new tool that creates a single source of truth for all available funding options for home energy efficiency projects. They help access sources of funds to reduce project cost and increase conversion. Check them out at [www.line.build](http://www.line.build) or get in touch at [founders@line.build](mailto:founders@line.build)\n* Are you thinking about a home project such as getting a new hot water heater or heat pump? We’d be keen to help you get any rebates or incentives (email us at [founders@line.build](mailto:founders@line.build))\n* Intros to companies that build other contractor tooling such as quoting or invoicing.\n\n ", "url": "https://www.ycombinator.com/launches/IsA-line-enabling-affordable-building-decarbonization", "votes": 234, "created_at": "2023-06-26T19:01:06.507Z" } ] }, { "id": 29100, "name": "CheqUPI", "slug": "chequpi", "former_names": [ "Terrafin Solutions Pvt Ltd" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a843f9faa1181a347ed222e5101c43bcf320c8d8.png", "website": "https://www.cheq.money", "all_locations": "Bengaluru, KA, India; San Francisco, CA, USA", "long_description": "Cheq is a modern UPI payments app for NRIs and international citizens visiting India. \r\nUsing Cheq, you can pay digitally at over 55mn+ merchants across India. \r\nWe help tourists avoid ATMs and minimize their foreign exchange costs while in India.\r\n\r\n\r\n", "one_liner": "India's first UPI wallet for foreign nationals and NRIs", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1690215615, "tags": [ "Fintech", "Payments", "India", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "India", "United States of America", "South Asia", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/chequpi", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/chequpi.json", "year_founded": 2021, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/cheq-it/", "x_url": "https://twitter.com/cheqit_", "fb_url": "https://instagram.com/cheqit_", "cb_url": "https://www.crunchbase.com/organization/cheq-money", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a843f9faa1181a347ed222e5101c43bcf320c8d8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 267716, "full_name": "Sudhanshu Shekhar", "title": "Founder", "founder_bio": "Building Cheq UPI - A better payments app for foreign nationals and NRIs visiting India.\n\nPrevious work experience: Ispirt, Zeta, Headout, Walmart", "is_active": true, "linkedin_url": "https://linkedin.com/in/sudshekhar02", "x_url": "https://twitter.com/sudshekhar02", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce41d08bd1f25e97db6131c543b0cc452940bc99.jpg" }, { "user_id": 513391, "full_name": "Manish Shukla", "title": "Founder", "founder_bio": "Building Cheq UPI to enhance the digital payment experience of foreign nationals and NRIs\n\nPrevious experience: Zeta, Ispirt ", "is_active": true, "linkedin_url": "https://linkedin.com/in/mkshukla", "x_url": "https://twitter.com/mani__shukla", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/86497d951933f5eb478ffee2d0a23b7f49fd5413.jpg" } ], "jobs": [], "news": [ { "title": "Foreign tourists go cashless in India: Cheq in partnership with Transcorp issues UPI wallets to users from 8 nationalities, ET TravelWorld", "url": "https://travel.economictimes.indiatimes.com/news/technology/foreign-tourists-go-cashless-in-india-cheq-in-partnership-with-transcorp-issues-upi-wallets-to-users-from-8-nationalities/99107922", "date": "Mar 31, 2023" }, { "title": "Cheq Launches India's First UPI-enabled Payment Wallet for Foreign Tourists | Zee Business", "url": "https://www.zeebiz.com/agencies/cheq-launches-indias-first-upi-enabled-payment-wallet-for-foreign-tourists-223058", "date": "Feb 22, 2023" } ], "launches": [ { "id": 73875, "title": "Cheq UPI: Digital payments for NRIs and foreigners in India", "tagline": "Cheq is India's 1st UPI payment app for international citizens and NRIs", "body": "Hi everyone!\n\nCheq is a UPI payment wallet for Non-Resident Indians (NRIs) and foreign citizens visiting India.\n\nUsing Cheq, you can purchase almost any goods/services across India 🇮🇳. \\\nJust scan the merchant QR code / choose the pay by UPI id option to make the purchase. We accept all international debit/credit cards and support international phone numbers.\n\n### Foreigners Struggle to make payments in India\n\nMost foreigners visiting India will invariably face one of the below problems👇\n\n1. Indian merchant not accepting your international credit card\n2. Indian merchants not tendering exact loose change (you’ll collect lots of candies!)\n3. Unavailability of ATMs/money changers at remote locations\n\n### Indian Expats struggle to make payments in India\n\n1. Enabling UPI on an international number doesn’t work.\n2. Linking NRE/NRO accounts to UPI does not work\n3. NRE/NRO accounts are linked to the customer’s (often deactivated) Indian phone number.\n\nMore than **10mn+** **international citizens** visiting India each year regularly **face issues in making payments**!\n\n### Cheq UPI lets foreigners pay digitally in India 🇮🇳\n\n![uploaded image](/media/?type=post&id=73875&key=user_uploads/267716/4bd562de-f083-45f2-aa36-84e50bd3beb6)\n\n1. Cheq provides NRIs/Tourists with a digital UPI wallet that can be used to purchase goods/services across 55mn+ merchants across India\n2. Users can add money to their Cheq wallet anytime, anywhere via their international debit/credit card 💳\n3. Purchasing INR through Cheq is much cheaper than exchanging currency at the airport. We strive to serve you for less.\n4. Having Cheq, lets you travel throughout India cashlessly. Your bank card details remain safe from ATM fraud and clone attacks.\n\n### People from 16 different nationalities are already using Cheq UPI\n\n[Meet our customers](https://www.youtube.com/watch?v=4Ct5WY9vOz4)\n\n[Renatha, from Brazil, goes cashless in India](https://www.youtube.com/shorts/L_w7OWK-Uqo)\n\n[Leo loves Cheq UPI](https://www.youtube.com/watch?v=LgI7HJTH8Uw&t=1s)\n\nNote: Cheq accounts can only be activated after the customer finishes in-person passport verification in India. We provide at-home verification facilities in more than 22 cities across India.\n\n### Pricing\n\nWe charge a one-time joining fee of Rs 800 (10$) to every customer. This covers the cost of verifying your profile and running our business.\n\n### Meet the team\n\nWe are [@Manish Shukla](https://www.linkedin.com/in/mkshukla/) and [@Sudhanshu Shekhar,](https://www.linkedin.com/in/sudshekhar02/) the co-founders of [@CheqUPI](https://www.chequpi.com). Both of us are passionate about finance and technology and we’ve known each other for 12 years now.\n\nHaving lived the life of an expat abroad, we’re empathetic to the problems being faced by them in the Indian market. Our goal with Cheq is to make life a little easier for every traveler visiting India.\n\n![uploaded image](/media/?type=post&id=73875&key=user_uploads/267716/c174b7e2-8d6c-43e5-8a06-658a93da2e82)\n\n### Can you help us grow? 🙏\n\n1. We just launched today on Product Hunt! If you actively use PH, please drop us an upvote 🙂 \\\n \n2. If you know any companies/startups frequently sending travelers to India, please put me in touch with their founders/representatives. We’ll provide them with the best fintech experience in India ✨ \\\n ( reach me at sudhanshu@[cheq.money](http://cheq.money) )\n3. If you’re traveling to India, [Download our app](https://link-to.app/chequpiwebsite)\n\nIf you have any questions/feedback on the services offered by Cheq, please don’t hesitate to reach out!\n\nThank you\n\n### Connect with us👇\n\n1. Cheq:\n 1. Product link: \n 2. Website: \n2. Founders\n 1. Sudhanshu - \n 2. Manish - ", "url": "https://www.ycombinator.com/launches/JDX-cheq-upi-digital-payments-for-nris-and-foreigners-in-india", "votes": 22, "created_at": "2023-08-07T18:38:34.759Z" } ] }, { "id": 29338, "name": "Consul", "slug": "consul", "former_names": [ "Swift" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/da998da761a1d592662c99baf11bb078b9de572e.png", "website": "https://onconsul.com", "all_locations": "New York City, NY, USA", "long_description": "Consul is building the future of payouts for the online economy. We make it easy for marketplaces, agencies, and startups to make payouts using stablecoins.", "one_liner": "The Stablecoin Payouts Platform", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1709330171, "tags": [ "Fintech", "Payments" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Acquired", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/consul", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/consul.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/onconsul/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/da998da761a1d592662c99baf11bb078b9de572e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 234272, "full_name": "David Lalor", "title": "Founder/CEO", "founder_bio": "Co-Founder/CEO at Consul. Before Consul, I started my first company, Virra, at 16 and did half a million in annual revenue, studied computer science and economics at Stanford (before dropping out to start Consul), and worked as an engineer at Intercom. From a small village in Ireland.", "is_active": true, "linkedin_url": "https://linkedin.com/in/davidlalor5", "x_url": "https://x.com/david_lalor", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/de1c8b8c4a0a1a684088210f156ac2b0e8a73290.jpg" }, { "user_id": 571917, "full_name": "Rakeeb Hossain", "title": "Founder/CTO", "founder_bio": "Co-Founder/CTO at Consul. Before Consul, I studied computer science and math at the University of Waterloo, worked at Snap and Tesla Autopilot, and built brokerage infrastructure at Finary. I also built Memsnap, which was accepted to ASPLOS 2024 (https://dl.acm.org/doi/abs/10.1145/3620666.3651334).", "is_active": true, "linkedin_url": "https://linkedin.com/in/rakeebhossain", "x_url": "https://x.com/rakeeb_hossain", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/336ddeadba8a1bb3f40bd88e49bb5a083e7b6ea5.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 29343, "name": "Infinity", "slug": "infinity", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6d4375431e4067cbd0c409f02ba66c5924b3c146.png", "website": "https://www.infinityapp.in/", "all_locations": "Bengaluru, KA, India", "long_description": "Infinity is a banking and payments platform for cross-border businesses in India. We help our customers make cross-border payments that are 70% cheaper than traditional methods and earn income on idle cash by investing in government securities.", "one_liner": "Business banking for cross-border SMBs & Startups", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1706317593, "tags": [ "Fintech", "Payments", "B2B", "Investing", "International" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/infinity", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/infinity.json", "year_founded": 2023, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/infinityinvest/", "x_url": "https://x.com/Infinityapp_in", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6d4375431e4067cbd0c409f02ba66c5924b3c146.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1347097, "full_name": "Sourav Choraria", "title": "Founder/CEO", "founder_bio": "Sourav is the founder & CEO of Infinity, a business banking platform for cross-border SMBs. Prior to Infinity, Sourav co-founded ClinMD(2016), healthcare data analytics company. Sourav was former head of growth at Paytm Money, India's largest wealth management platform and scaled it to 20 million MAU. He also launched India's first FD-backed secured credit card and scaled it to 100,000 users in 1 year.\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/sourav-choraria-9b389776", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/631281fa8a93eec3dd427765fff443c446ec2092.jpg" }, { "user_id": 224267, "full_name": "Sidharth Choraria", "title": "Founder/CTO", "founder_bio": "Was previously an Amazon engineer and PM working on Appstore. Launched Amazon Appstore IAP module (equivalent to Google Billing Library) used by app developers to monetise digital goods. Developed an instant electronic payment system to pay out app developers across 135 countries. Founding engineer of Paytm Travel & Platform Engineer at MakeMyTrip,developing systems to handle 100M daily requests. CS grad from Birla Institute of Technology & MBA in Finance from Indian School of Business.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sidharth-choraria-25411b65/details/experience/", "x_url": "https://twitter.com/sidharth9932", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bc1f097e9a8afca2f398a44cc546a741582b4d32.jpg" } ], "jobs": [ { "id": 75959, "title": "Software Engineer - Backend", "url": "https://www.ycombinator.com/companies/infinity/jobs/OFwxm4z-software-engineer-backend", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "₹1M - ₹2M INR", "equity_range": "0.20% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Java" ] } ], "news": [ { "title": "[Exclusive] Y-Combinator-backed Infinity bags $1.9M in pre-seed funding | YourStory", "url": "https://yourstory.com/2025/02/exclusive-y-combinator-cross-border-payments-fintech-startup-infinity-bags-pre-seed-funding", "date": "Feb 05, 2025" }, { "title": "Infinity: Business banking platform Infinity secures maiden funding from Y Combinator and others - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/funding/business-banking-platform-infinity-secures-maiden-funding-from-y-combinator-and-others/articleshow/116166893.cms?from=mdr", "date": "Dec 10, 2024" }, { "title": "Cross-border fintech stands out in Y Combinator’s Winter 2024 cohort | TechCrunch", "url": "https://techcrunch.com/2024/04/05/cross-border-fintech-y-combinator-demo-day/", "date": "Apr 05, 2024" } ], "launches": [ { "id": 87402, "title": "Infinity - Simplifying global payments for Indian businesses", "tagline": "Receive international payments with - Zero fx margin. No hidden fees. 1-day settlement.", "body": "**TL;DR:**\n\nWhether you’re a SaaS startup managing payouts to Indian contractors or a growing business sending vendor payments to India or Operating in US Parent Indian subsidiary model, Infinity’s cross-border payments platform offers:\n\n* **Transparent, real-time FX rates.**\n* **Significantly lower fees compared to traditional banks and other providers.**\n* **Same-day settlements.**\n* **Payment Tracking / Notifications**\n* **Seamless compliance for businesses (e.g., invoicing, tax reporting).**\n\n### The Problem\n\nThe US-India payment corridor is one of the busiest globally, yet businesses face slow processing times, high fees, and hidden charges. For startups and growing companies, these inefficiencies can be a real bottleneck. In general _for every dollar a business moves from the US to India, **business loses 3-5%**_**.**\n\nOne of the primary issues with FX transactions is the lack of transparency regarding the total cost of executing payments. These costs often include:\n\n1. Wire transfer fees\n2. Correspondent bank fees\n3. Currency conversion fees\n4. Intermediary fees, among others\n\nWhile some **_providers may highlight lower fees in one category, they often compensate with higher charges in another,_** resulting in minimal or no real savings.\n\nAlso, **global payments are slow with no visibility** on the fund movement.\n\nIn the majority of instances, international bank transfers are facilitated via the SWIFT network. This network ensures the transmission of your payment to its intended recipient. Nevertheless, the path isn't always direct. Certain payments may be routed through intermediaries, often referred to as correspondent banks, akin to making multiple connecting flights before reaching your final destination.\\\n\\\n**Solution**\\\nIntroducing [Infinity](https://youtu.be/N9sdLr5QUig?si=uJPFxXZxH39au9Ht)!\n\n\\\nStreamline global customers and suppliers’ payments with local accounts.\n\n**1) Multi-currency accounts - one platform:** Easily receive funds in major currencies to facilitate transactions with overseas suppliers and customers.\n\n**2) Flat Fee - with zero FX markup:** Be fully transparent about the charges you incur. Receive a comprehensive breakdown of fees before each transaction to avoid any surprises.\n\n**3) Fast, same-day international money transfer:** Track your payment in real-time.\n\n**4) Instant remittance certificate:** You move money. Infinity will take care of compliance.\\\n\\\n**Asks**\n\nAre you dealing with cross-border operations?\n\n* **Try out Infinity** at — your first payment is on us!\n* [Schedule a meeting](https://calendly.com/sourav9091/) — We’d love to learn more about your global business challenges and how we can help.\n* **Email us** at [founders@infinityapp.in](mailto:founders@cuckoo.so)\n\n\\\n**😎 Team**\n\nSourav and Sidharth are siblings. This is their second startup together. Back in 2016, they co-founded health tech startup ClinMD.\n\n![uploaded image](/media/?type=post&id=87402&key=user_uploads/224267/5a1859ad-8620-4934-bce6-2e46693802e0)\n\n[Sourav](https://www.linkedin.com/in/sourav-choraria-9b389776/) was Head of the growth and product team at Paytm Money (India's largest wealth management platform). He also successfully launched India's first FD-backed credit card.\n\n[Sidharth](https://www.linkedin.com/in/sidharth-choraria-25411b65/) is a finance & tech geek. He spearheaded the In-app purchase module for the Amazon Appstore, utilized by app developers to monetize digital content globally. He successfully scaled systems to manage 100 million daily requests during his time at Paytm and MakeMyTrip.", "url": "https://www.ycombinator.com/launches/Mji-infinity-simplifying-global-payments-for-indian-businesses", "votes": 20, "created_at": "2025-02-04T15:16:33.974Z" }, { "id": 78490, "title": "🚀 Infinity - Business banking for cross-border SMBs and startups", "tagline": "Infinity is a single platform to manage finances for cross-border business.", "body": "### TL;DR:\n\nInfinity simplifies banking for global businesses. It enables cross-border Indian companies to conduct transactions and receive payments in local currencies. Additionally, Infinity offers an in-house treasury management solution, allowing businesses to earn yield on idle cash and mitigate FX risks.\n\nHey everyone! We’re [Sourav](https://www.linkedin.com/in/sourav-choraria-9b389776/) and [Sidharth](https://www.linkedin.com/in/sidharth-choraria-25411b65/) and we're building a business banking platform for cross-border SMBs and Startups. In our past jobs, we worked as founders, wealth managers, growth hackers, and founding engineers at high-growth fintech startups.\n\n![uploaded image](/media/?type=post&id=78490&key=user_uploads/1347097/151b89e9-ff7d-4da8-8fd1-758c5bc04cac)\n\n### \n\n### 🤔 Problem\n\nBusiness banking is difficult. More so if you are global. Cross-border payments pose several challenges due to the complexities involved in transferring funds across different countries and jurisdictions.\\\n\\\n**Global payments are expensive**\\\nOne of the more basic issues with FX transactions is the lack of transparency in terms of the cost to execute FX payments. These costs can include wire transfer fees, correspondent bank fees, currency conversion fees, and intermediary fees, among others. While existing market providers might stress that one factor is low (lower than that of a competitor), that same institution might have high fees in another area, offsetting those savings.\n\n_In general for every dollar a business moves from the US to India, business loses **7%.**_\n\n**Global payments are slow**\\\nIn the majority of instances, international bank transfers are facilitated via the SWIFT network. This network ensures the transmission of your payment to its intended recipient. Nevertheless, the path isn't always direct. Certain payments may be routed through intermediaries, often referred to as correspondent banks, akin to making multiple connecting flights before reaching your final destination.\n\n_Generally speaking, international bank transfers will arrive within **one to five working days**._\n\n**There’s a compliance risk** \\\nEach transaction must be promptly reported to the Central Bank of India, accompanied by the correct invoice and purpose codes (of which there are numerous variations), sign-off from chartered accountants, etc. Failure to comply with these requirements can result in payment delays extending for months.\n\n**And There’s a FX risk**\\\nThe conversion rates between USD and INR are variable.\n\n![uploaded image](/media/?type=post&id=78490&key=user_uploads/224267/144ca69a-c117-4837-b4ae-731cfed5fc15)\n\nWhat you receive today may differ from what you get in five days. If a business converts USD to INR five days from now and the dollar weakens, it will incur losses.\n\n### 🤩 The Solution\n\nIntroducing Infinity!\\\nStreamline global customers and suppliers’ payments with local accounts.\n\n**1) Multiple local currency accounts - one platform:** Easily send, hold, and receive funds in major currencies to facilitate transactions with overseas suppliers and customers.\\\n**2) Flat Fee - with zero FX markup:** Be fully transparent about the charges you incur. Receive a comprehensive breakdown of fees before each transaction to avoid any surprises.\\\n**3) Fast, same-day international money transfer:** Track your payment in real time.\\\n**4)** **Treasury service to hedge FX:** Earn higher yields on idle cash without worrying about liquidity and underlying asset risk.\\\n**5) Instant remittance certificate:** You move money. Infinity will take care of compliance.\n\n![uploaded image](/media/?type=post&id=78490&key=user_uploads/224267/aa9f08af-a85a-4252-b889-f62c1e2a2d6a)\n\n\\\nOur long-term vision is to be the **_financial operating system_** for businesses by automating daily financial tasks, allowing them to focus on what matters most. \n\n### 😎 **Team**\n\nSourav and Sidharth are siblings. This is their second startup together. Back in 2016, they co-founded health tech startup ClinMD.\n\n[Sourav](https://www.linkedin.com/in/sourav-choraria-9b389776/) was Head of the growth and product team at Paytm Money (India's largest wealth management platform). He also successfully launched India's first FD-backed credit card. \n\n[Sidharth](https://www.linkedin.com/in/sidharth-choraria-25411b65/) is a finance & tech geek. He spearheaded the In-app purchase module for the Amazon Appstore, utilized by app developers to monetize digital content globally. He successfully scaled systems to manage 100 million daily requests during his time at Paytm and MakeMyTrip.\n\n### **🙏 Our Ask**\n\nIf you want to try us out or to know how to manage your cash, please reach out to us. We’d love to give you a demo of how Infinity works, and even if not, we’d be happy to help you figure out your cash management situation.\n\nSay hi at [**sourav@infinityapp.in**](https://mailto:sourav@infinityapp.in/) or [**sid@infinityapp.in**](https://mailto:sid@infinityapp.in/) or Whatsapp at +91-9535482864 👋🏻\n\nAnd we’ll help you get started!\n\nYou can also [fill this form](https://dashboard.infinityapp.in/auth/signup) to request a demo.\n\n* Website —[**https://www.infinityapp.in**](https://www.infinityapp.in/)\n* LinkedIn — [**https://www.linkedin.com/company/infinityinvest**](https://www.linkedin.com/company/infinityinvest)", "url": "https://www.ycombinator.com/launches/KPy-infinity-business-banking-for-cross-border-smbs-and-startups", "votes": 164, "created_at": "2024-02-16T22:41:05.516Z" } ] }, { "id": 29349, "name": "Fuse", "slug": "fuse-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3cc54fa641b3cb3228721daab125c19f08d117b8.png", "website": "http://www.fuseinsight.com", "all_locations": "London, England, United Kingdom", "long_description": "AI-powered automation for US healthcare provider workflows like patient intake, eligibility and benefits checks and billing using data-driven approaches. \r\n\r\nIf you know senior execs in medical groups or partners in healthcare PE please do connect us. We won’t waste their time: +1 628 468 3232.", "one_liner": "AI-powered workflow automation for US healthcare providers.", "team_size": 3, "industry": "Healthcare", "subindustry": "Healthcare", "launched_at": 1724162501, "tags": [ "Fintech", "Payments", "B2B", "Healthcare", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Healthcare" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fuse-2", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/fuse-2.json", "year_founded": 2024, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/fuseinsight/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3cc54fa641b3cb3228721daab125c19f08d117b8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1507819, "full_name": "Sho Sugihara", "title": "Founder", "founder_bio": "Sho is a repeat founder. He co-founded and scaled a fintech startup to multi-million $ ARR within twelve months from launch and eventual profitability. Before that, he worked on data analytics projects at McKinsey for some of the largest healthcare systems in the world, including the NHS and several of the top ten private healthcare insurers. He studied at Cambridge and the Karolinska Institutet. He is originally from Japan. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/shoalexander", "x_url": "https://x.com/_ShoSugihara", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f81db307d2bb516fefea44516f2cc60bcb3b3d0c.jpg" }, { "user_id": 1540213, "full_name": "Oscar Wilsby", "title": "Founder", "founder_bio": "Oscar has built large-scale payments and credit data analytics models that outperformed incumbents like Experian by a significant margin. These models helped power the first startup he co-founded and scaled to a multi-million $ run rate. Before tech, Oscar was a post-doc researcher and completed an MEng and PhD in Machine Learning and Computational Physics at Cambridge. He’s worked in research divisions for companies like McLaren F1 and Dyson, applying machine learning to complex data problems. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/oscar-wilsby-71020931", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3d5b4ff871d69b8c2882ed3367af6410552b5dab.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 83233, "title": "Fuse - Underpayment detection for healthcare providers", "tagline": "AI-powered contract and remittance analytics to detect insurance underpayments.", "body": "**TL;DR:** [Fuse](https://fuseinsight.com/) offers AI-powered analysis of healthcare contracts and payments to help providers detect underpayments and collect the revenue they’re owed from insurers.\n\n# **❌ Problem**\n\nOur “aha” moment came when healthcare provider execs repeatedly told us they had no idea if their revenue was accurate. One even described their insurance claims process as a “black hole”. \n\nSeveral factors contribute to this issue: \n\n1. Growing usage of AI. Insurers are using sophisticated models to analyze claims and find ways to subtly underpay.\n2. Too many contracts: An average hospital has over 50 contracts with insurers with varying reimbursement rates for the same procedure, making payment accuracy verification costly and near impossible.\n3. M&A wave: Mergers are forcing providers to consolidate contracts and revenue tracking systems, adding further complexity.\n\nAs a result, providers spend months analyzing revenue and chasing payments, forfeiting up to 11% of topline revenue if they cannot afford the overhead to do so.\n\nWith provider operating margins already negative since COVID-19, the situation creates severe margin compression and cash flow risk.\n\n# **Solution**\n\nWe use LLMs to extract data from the stacks of contracts that dictate provider payment terms from insurers. We reconcile the data against remittances to identify underpayments and auto-generate appeals.\n\n![uploaded image](/media/?type=post&id=83233&key=user_uploads/1507819/169bfbcd-d6cd-41ba-86d1-f63d06334f04)\n\nOur mission is to level the playing field for providers with AI-powered contract analytics. Beyond this, we want to aid the transition towards Value-Based Care by powering sophisticated contract modeling as payment models become even more complex.\n\n# **Team**\n\nOur team specializes in complex financial data analytics. We previously co-founded a business that grew from $0 to $6M ARR in 12 months, developing large-scale data models for payment and credit analytics that outperformed major players like Experian.\n\n![uploaded image](/media/?type=post&id=83233&key=user_uploads/1507819/bb33a54c-d510-46da-88bf-afe733d457c3)\n\n[Oscar](https://www.linkedin.com/in/oscar-wilsby-71020931/) (CTO) was an academic who completed a PhD and postdoc in Machine Learning at Cambridge. He’s worked in research divisions for companies like McLaren F1, and brings expertise in building top performing data models in highly regulated industries. \n\n[Sho](https://www.linkedin.com/in/shoalexander/) (CEO) met Oscar during their first week of undergrad at Cambridge. He’s a repeat entrepreneur and closed a $100k contract within a year for his first company, and has worked on data analytics projects for some of the largest providers and insurers in the world at McKinsey.\n\n# **🙏 Our Ask**\n\n**If you know senior finance execs in healthcare systems or partners at healthcare PE firms please do connect us!** [**founders@fuseinsight.com**](https://mailto:founders@fuseinsight.com)", "url": "https://www.ycombinator.com/launches/LeT-fuse-underpayment-detection-for-healthcare-providers", "votes": 63, "created_at": "2024-08-20T18:16:08.639Z" } ] }, { "id": 29453, "name": "Miden", "slug": "miden", "former_names": [ "Tyrus Technologies", "MIDEN" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8471337f6cd686658e82e47fb301dd81af79d869.png", "website": "http://www.miden.co", "all_locations": "Rotherham, England, United Kingdom", "long_description": "Miden is building a modern infrastructure that facilitates the launch of card programs and various financial products for businesses in Sub-Sahran Africa. Just by reducing integration time, card fraud, improving stability, and being customer focused we quickly rose to top 5 in TPV among card issuing Fintechs in Sub-Saharan Africa within 8 months of launch.\r\n\r\nWe’re going to build the first comprehensive fintech and banking software stack for Africa, based on modern technology. We’re starting with a card issuer-processor.", "one_liner": "Card issuer processor and banking stack for businesses in Sub-…", "team_size": 19, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1706458122, "tags": [ "Fintech", "Payments", "B2B", "APIs" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/miden", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/miden.json", "year_founded": 2023, "city": "Rotherham", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/tyrus-technologies/", "x_url": "https://twitter.com/TyrusTechHQ", "fb_url": "https://www.facebook.com/TyrusTechnologies?mibextid=LQQJ4d", "cb_url": null, "github_url": "https://github.com/Tyrus-Technologies", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8471337f6cd686658e82e47fb301dd81af79d869.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1047170, "full_name": "Okiemute Avworhokai", "title": "Founder/CEO", "founder_bio": "Okiemute brings more than a decade of experience in managing financial institutions within commercial banking and the fintech sector. As a former founder of a credit firm focused on student loans, he successfully disbursed over $1.5 million within 18 months. He is now dedicated to developing Miden, aiming to address challenges he has encountered over the past ten years.", "is_active": true, "linkedin_url": "https://linkedin.com/in/okiemute-d-avworhokai-5b52a7a6?lipi=urn%253Ali%253Apage%253Ad_flagship3_profile_view_base_contact_details%253BgNZt1BAJRYa%252FInOsfn4KRw%253D%253D", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d8f18aa3745a655430ec89ff73b8f0b22d4d5f22.jpg" }, { "user_id": 1366375, "full_name": "Ini Udoh", "title": "Founder/CTO", "founder_bio": "Chief Technology Officer (CTO) at Tyrus Technologies, a B2B fintech specializing in virtual cards and embedded finance solutions. With over 12 years of experience in the banking and fintech sectors, I previously contributed to major financial institutions like First Bank of Nigeria and Heritage Bank, as well as fintech firm Mukuru. I have expertise in developing innovative banking solutions have been crucial in driving Tyrus Technologies' success.", "is_active": true, "linkedin_url": "https://linkedin.com/in/iudoh", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ef47e99ec7754304d8a0a937a9effd70df3bfe9a.jpg" } ], "jobs": [], "news": [ { "title": "YC’s latest Demo Day shows fascinating wagers on healthcare, chip design, AI and", "url": "https://techcrunch.com/2024/04/04/ycs-latest-demo-day-shows-fascinating-wagers-on-healthcare-chip-design-ai-and-more/?utm_campaign=tc_startups&utm_medium=newsletter&_hsenc=p2ANqtz--tFaGiB4AT1JEp5k1Z93xSyPg4Kcp9vTGuqPHz7DMwSl1sbflSzi97W3pxmAFVIJ7RQPlZLS0R2r4nwHmV-SsgWls4ig&_hsmi=301405387&utm_source=tc", "date": "Apr 04, 2024" }, { "title": "Breaking: YC selects Nigerian startup Miden for 2024 winter batch", "url": "https://techcabal.com/2024/01/29/y-combinator-picks-miden-a-nigerian-api-fintech-startup/", "date": "Jan 29, 2024" } ], "launches": [ { "id": 77898, "title": "Miden 💳: Accessible financial tech in Sub-Saharan Africa", "tagline": "Intuitive API for businesses to launch their own virtual card program", "body": "TLDR: Miden's intuitive API addresses challenges faced by businesses in Sub-Saharan Africa, enabling the swift launch of financial solutions such as virtual card programs, credit systems, reconciliation, and expense management systems. This is especially vital in a continent boasting the largest youth population and the fastest-growing economy.\n\n![uploaded image](/media/?type=post&id=77898&key=user_uploads/1047170/5d8b269f-fb02-47d0-8868-c8fd545e181b)\n\nIn Sub-Saharan Africa, businesses face significant challenges in launching financial solutions promptly. The region grapples with cumbersome processes, outdated infrastructure, and prolonged timelines, hindering the swift deployment of essential tools like virtual card programs, credit systems, and reconciliation and expense management systems.\n\nDespite rising account ownership from 43% in 2017 to 55% in 2021, Sub-Saharan Africa still lags significantly behind the global average of 76%. Africa currently represents less than 1% of global card transaction volumes, and the core infrastructure for payments remains either legacy or in its infancy.\n\nWe are a dynamic and seasoned team of banking and financial experts :\n\n🔍 [Okiemute](https://www.linkedin.com/in/okiemuteavworhokai/), our adept navigator, with over 10 years of expertise in business development. Having built and successfully sold financial tools and services in banking and fintech in Nigeria, Okiemute is optimistic about the financial landscape in Sub-Saharan Africa.\n\n🚀 [Ini-Obong](https://bookface.ycombinator.com/user/1366375/linkedin_redirect?key=607468f8c4243fa02a63b2cc86dd3707c3b0f6ee), the tech maestro and Chief Technology Officer at Tyrus Technologies. With an impressive 13-year journey in banking and fintech, Ini-Obong has left his mark on major financial institutions like First Bank of Nigeria and Heritage Bank, along with fintech firms like Mukuru. He is the visionary behind our virtual card program and embedded finance solutions.\n\nOur Ask:\n\n🚀 Explore the boundless possibilities with Miden’s intuitive API.\n\n🔗 Connect us with businesses in Sub-Saharan Africa ready to embark on this transformative journey.\n\nJoin Miden in pioneering the future of financial accessibility in Sub-Saharan Africa. Email us at [founders@tyrus.io.](mailto:founders@tyrus.io)", "url": "https://www.ycombinator.com/launches/KGQ-miden-accessible-financial-tech-in-sub-saharan-africa", "votes": 23, "created_at": "2024-01-28T17:00:51.647Z" } ] }, { "id": 29500, "name": "The New Money Company", "slug": "the-new-money-company", "former_names": [ "Workparty", "Fermata", "Numo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/02bf32e1c7869c4a3a70d36bef72c5f5b93ad770.png", "website": "https://newmoneycompany.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "The New Money Company protects invoices with insurance.\r\n\r\nWe help businesses expand to buyers in new markets or industries by offloading the risk of buyers not paying their bill.\r\n\r\nSupport number: +18889975745.", "one_liner": "Invoicing that pays you even if your buyer doesn’t", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1710863729, "tags": [ "Fintech", "Payments", "B2B", "Insurance", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/the-new-money-company", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/the-new-money-company.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/newmoneycompany", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/02bf32e1c7869c4a3a70d36bef72c5f5b93ad770.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 58508, "full_name": "Derrick Wolbert", "title": "Founder/CEO", "founder_bio": "CEO at The New Money Company. Previously built Hologram.com from zero to $20M ARR and closed a $65M Series B as head of revenue. In a previous life, Derrick built the embedded car computing platform used in Waymo vehicles. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/derrickwolbert", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a23b5607836971de100bdc255ac84ea464c400a2.jpg" }, { "user_id": 1643519, "full_name": "Reuben Balik", "title": "Founder/CTO", "founder_bio": "Reuben is the CTO and co-founder of The New Money Company. Previously, he worked on the most difficult enterprise telecom integrations as the first engineer (and first employee) at Hologram.com. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/reuben-balik", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1b33f28ca127ec0895b72526f8e41355885cb269.jpg" }, { "user_id": 1452570, "full_name": "Q Carlson", "title": "Founder/CPO", "founder_bio": "Co-founder, and CPO at The New Money Company. Early designer at Flexport (W14) 🚢 ✈️ 🚛 and Quizlet. VP Design at Hologram & project44.", "is_active": true, "linkedin_url": "https://linkedin.com/in/qcarlson", "x_url": "http://twitter.com/qcintheair", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c3ebab68c8796032c0986b8f07b3f2505f3cf29c.jpg" } ], "jobs": [], "news": [ { "title": "Cross-border fintech stands out in Y Combinator’s Winter 2024 cohort | TechCrunch", "url": "https://techcrunch.com/2024/04/05/cross-border-fintech-y-combinator-demo-day/", "date": "Apr 05, 2024" }, { "title": "YC’s Winter 2024 Demo Day confirms that we are indeed in an AI bubble | TechCrunch", "url": "https://techcrunch.com/2024/04/03/ycs-winter-2024-demo-day-confirms-that-we-are-indeed-in-an-ai-bubble/#:~:text=picked%20it%3A%20Alex-,Numo,-What%20it%20does", "date": "Apr 03, 2024" } ], "launches": [ { "id": 79553, "title": "Numo — Offshore banking & instant payments for global contractors", "tagline": "Meet Numo, filling the trust gap between businesses and international contractors by handling compliance, KYC, and payment.", "body": "# Numo is like upside-down Deel\n\n# TL;DR\n\n[Numo](https://numohq.com/) verifies and credentials global contractors and lets them earn and hold the USD they get from working for American companies. When they need to spend it, we transfer money instantly to their local bank account.\n\n**We launched last week, and have 105 contractors already live and onboarded on Numo, sending their first invoices.**\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/4a2d0978-bdb1-42d8-a223-5c8554db82a9)\n\n# Problem\n\n**Paying international contractors for short-term engagements is messy**. It’s full of remittance services whose brands are not conducive to trust or a professional environment and often look fraudulent to the uninformed. \\\n\\\n**For contractors, it’s even messier**. With expensive fees, slow transfer times, and fuzzy tax + compliance rules — we’ve seen our customers resort to funneling money through friends and families just to get paid. \\\n\\\nAnd the death blow for contractors is the hyperinflation many of their home currencies are experiencing. **Contractors work more every day for less money**. International contractors want to hold their funds in USD as long as they can, and then bring it back only when they need to spend.\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/dd9fa8fc-a5f6-4452-840c-983c916dc798)\n\n# Solution\n\nSo we built Numo:\n\n1. Contractors can onboard and get verified, background checked, and launch their profiles.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/c7a8c8c3-c8e5-43b2-bb63-ca263a11ddbd)\n\n2. Every invoice they send via Numo to their clients is paired with their verified profile.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/ac16cb72-92bc-4a04-b8ed-fe2d6201e7b2)\n\n3. Their American clients get to pay the way they are most comfortable: ACH payment to a US bank account.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/a6370253-5288-4585-bc8d-545bacda9e58)\n\n4. Contractors can hold the USD they make stateside until the moment they need to spend it locally. They can transfer funds to their local account within 20 seconds without excessive fees.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/224d13fc-c6ef-423f-8750-437d738673b6)\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/de06e012-08e5-4ac3-8728-4c67339ae615)\n\n\n# We’re the team to build this\n\nWe all met working in the messy, terrible world of global telecom. We were the early operators at Hologram — a worldwide cellular network for IoT — taking the business from $0 to $20M ARR and through a successful Series B round.\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/f8cd963f-353b-4bc5-8994-aaca6f3f0b83)\n\n_👆 The Numo team on the ground running onboarding events in Lagos, Nigeria._\n\n[Reuben Balik](https://www.linkedin.com/in/reuben-balik/) was the first engineer at Hologram. He led the integrations with some of the worst telco APIs from Verizon, Telus, Deutsche Telekom, and TIS into a unified SIM card platform.\n\n[Q Carlson](https://www.linkedin.com/in/qcarlson/) was the 2nd designer at Flexport and has crafted beautiful experiences in messy, hard industries like supply chain. He uses design to differentiate — attracting a premium for the product and accelerating growth.\n\n[Derrick Wolbert](https://www.linkedin.com/in/derrickwolbert/) ran the GTM team at Hologram from zero through Series B. Before Hologram, he navigated complex bureaucracy at Jeep/Chrysler, building the infotainment platform Waymo relies on in their vehicles.\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/b005abd6-ee98-4c73-b11d-cb69a5067edb)\n\n_Numo founders in Dogpatch 👆_\n\n# \n\n# Ask\n\nAre you using international contractors in your business? Ask them to invoice you using [Numo](https://numohq.com)!\n\nWe’re live in Nigeria. With Kenya, South Africa, Vietnam, Thailand, Malaysia, and the Philippines coming very soon.\\\n\\\n—\n\nGet in touch with the team:\n\nDerrick Wolbert, CEO — derrick@newmoneycompany.com\\\nQ Carlson, CPO — q@newmoneycompany.com\\\nReuben Balik, CTO — reuben@newmoneycompany.com", "url": "https://www.ycombinator.com/launches/Kh7-numo-offshore-banking-instant-payments-for-global-contractors", "votes": 18, "created_at": "2024-03-20T19:48:11.544Z" } ] }, { "id": 29829, "name": "Moreta", "slug": "moreta", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc2125b4c2d5e8eae9ac64af8a5a8f56b7a9e588.png", "website": "https://moretapay.com", "all_locations": "San Francisco, CA, USA", "long_description": "At Moreta, we simplify payments for international travelers, letting you pay for anything using just your phone. Done is the hassle of searching for the best cash exchange rates or ATMs on your next trip. With Moreta, paying local merchants is easy.\r\n\r\nWe came up with Moreta while on our own backpacking adventures. Watching locals pay with a simple scan while we fumbled with cards and cash. So, we created a solution. By syncing with local payment networks, Moreta lets you pay like a local securely and digitally, without needing a bank account in every country.\r\n\r\nWe’re starting in Asia, where QR code digital wallets are taking over and are now the top choice at checkout. As these wallets start to join forces for cross-border payments, Moreta is the first to bridge the gap for international travelers from card-centric markets to tap into these local networks. Moreta will target 200 million travelers arriving in the region each year, who together have $410 billion in everyday expenditure.", "one_liner": "Payments made easy for international travelers.", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1724360319, "tags": [ "Fintech", "Payments", "Consumer", "Travel", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/moreta", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/moreta.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/moretapay", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc2125b4c2d5e8eae9ac64af8a5a8f56b7a9e588.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1269607, "full_name": "Walid Mahd", "title": "Founder/CEO", "founder_bio": "Walid is the co-founder and CEO of Moreta.\n\nHe was previously a card and fintech payments consultant at Mastercard Advisors and is an Ivey Business School HBA graduate. \n\nHe is an avid world traveler and backpacker, having explored over 30 countries across Europe, Southeast & Eastern Asia, Africa, and the Middle East.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/walidmahd/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3c5ffbe0daa4a0b56512bbb71ab42c308b58f6c9.jpg" }, { "user_id": 1202797, "full_name": "Sam Yu", "title": "Founder/CTO", "founder_bio": "Sam is the co-founder and CTO of Moreta.\n\nHe studied Computer Science at the University of Waterloo and has extensive experience building and shipping consumer products.\n\nAs the Head of Research & Development at Stems, he led the development of their first mobile app and generative AI product. During his internships at Apple, Google, Meta, and Uber, Sam worked on high-impact projects, including developing the instagram.com search feature used by over 50 million people.", "is_active": true, "linkedin_url": "https://linkedin.com/in/yu-sam", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ab42168458bb418cd8702608f643d4f1065de9b7.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 83432, "title": "Moreta: Payments made easy for international travelers", "tagline": "Moreta lets you pay like a local, securely and digitally, without needing a bank account in every country.", "body": "Hi everyone, we’re Walid and Sam! We are avid travelers and backpackers who’ve been to over 40 countries combined. 🌏🎒\n\n**TLDR:** Moreta enables international travelers to pay for anything using their phone anywhere in the world. We’re launching first to allow users to pay in Southeast & East Asian markets.\n\n[Join our waitlist for early access.](https://moretapay.com)\n\n![uploaded image](/media/?type=post&id=83432&key=user_uploads/1269607/0d6b9a4c-2d2c-46e2-95b1-21fd57ee2057)\n\n❌ **THE PROBLEM**\n\nWhen traveling abroad, do you find yourself asking if merchants accept card? How much cash do you need? Where can you get the best rate?\n\nPayments around the world are very fragmented and rely heavily on cash, or an alternative like QR code digital wallets.\n\nAnd for foreigners traveling, this typically means you need some combination of card and cash. In many countries, merchants may not accept card payments, and when they do, they often charge extra fees. Cash payments can also be costly due to high foreign exchange and ATM fees.\n\n![uploaded image](/media/?type=post&id=83432&key=user_uploads/1269607/6c9f3c8a-495a-4448-a550-1c38341b7d9b)\n\n✅ **THE SOLUTION**\n\nMoreta simplifies payments for international travelers, letting you pay like a local using just your phone. Users download Moreta, upload documentation verifying their identity, connect their bank account to load funds, and pay, all within minutes.\n\nMoreta will launch first in the Southeast and East Asian markets. Users can scan existing merchant QR codes and pay like locals.\n\n![uploaded image](/media/?type=post&id=83432&key=user_uploads/1269607/b9991f8b-9fe0-4106-8601-c17aaa1bb2e5)\n\n👥 **THE TEAM**\n\nWalid (CEO) and Sam (CTO) have been friends since high school. \n\n[Walid](https://www.linkedin.com/in/walidmahd/) was a payments consultant at Mastercard Advisors and experienced the payment pains of an international traveler when he backpacked through Southeast & Eastern Asia. \n\n[Sam](https://linkedin.com/in/yu-sam) was previously the Head of Research & Development at Stems and developed the Instagram web search feature used by over 50 million people.", "url": "https://www.ycombinator.com/launches/Lhg-moreta-payments-made-easy-for-international-travelers", "votes": 70, "created_at": "2024-08-26T20:56:57.937Z" } ] }, { "id": 29837, "name": "RentFlow", "slug": "rentflow", "former_names": [ "Pastelle.", "Mindley", "Mindely" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/83db64301a123c8f20195581b448254e59c1a24f.png", "website": "https://www.therentflow.com", "all_locations": "Miami, FL, USA", "long_description": "RentFlow is tackling a hair-on-fire problem for small and medium businesses across the U.S.: the way their rent is paid each month is fundamentally misaligned with how cash actually comes in.\r\n\r\nWe’re building the infrastructure layer to fix that.\r\n\r\nToday, ~50% of U.S. businesses are late on rent in any given month. The rest face invisible struggles to pay on time, undermining their stability month after month.\r\n\r\nRentFlow is the first platform to turn fixed business rent into an AI-driven, cash-flow-synced product, underwritten in real time from transaction-level data to prevent financial issues before they even surface.", "one_liner": "The AI infrastructure for cash-flow-aligned business rent", "team_size": 3, "industry": "B2B", "subindustry": "B2B", "launched_at": 1722719636, "tags": [ "Fintech", "Generative AI", "SaaS", "Payments", "Proptech" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/rentflow", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/rentflow.json", "year_founded": 2024, "city": "Miami", "country": "US", "linkedin_url": "https://www.linkedin.com/company/therentflow/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/83db64301a123c8f20195581b448254e59c1a24f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 1984308, "full_name": "Joseph Thalinjan", "title": "Founder/CEO", "founder_bio": "Joseph is the Co-Founder & CEO of RentFlow.\nBefore, he was a consultant at McKinsey & Company for 3 years, focusing on real estate and financial services.\nHe holds a Master of Science from CentraleSupelec Engineering School and a Master in Management from ESCP Europe Business School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joseph-thalinjan", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6e88b160c552f925895368d51700754cd0174b65.jpg" }, { "user_id": 177813, "full_name": "Alix Maurin", "title": "Founder/CEO", "founder_bio": "Alix is the Founder & CEO of RentFlow. She was a consultant at McKinsey & Company for three years, specializing in fintech strategy and business banking. Earlier in her career, she worked at Uber EMEA and Amazon. She holds a Master’s in Management from ESSEC Business School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alix-maurin-850610148/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/14f8880fc4247586a088e08381780f27882b896c.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 29840, "name": "Blaze", "slug": "blaze-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4e9eaaae054562a704e2fa2c79cd662fa1de1a6.png", "website": "https://blaze.money", "all_locations": "Remote", "long_description": "Blaze (YC S24) is the agentic finance platform. For businesses it's an AI CFO that pays bills, invoices clients, and forecasts cash. For people it's an agent that sends money, converts currencies, and manages your finances globally: you set the rules, it handles the rest. \r\n\r\nOther AI finance tools just report. Blaze moves the money, on your approval, in stablecoins or straight through the banking system. The founders scaled their last startup to $1M in ARR, studied at Duke, NYU, and Cornell, and led teams at Spotify and Artsy. npx @blaze-money/cli · https://blaze.money", "one_liner": "Agentic Finance for your Life and Business", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1724981206, "tags": [ "Fintech", "Crypto / Web3", "Payments", "Finance", "AI" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/blaze-2", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/blaze-2.json", "year_founded": 2023, "city": null, "country": null, "linkedin_url": "https://www.linkedin.com/company/useblazeapp", "x_url": "https://x.com/blaze_payments", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/blaze-payments", "github_url": "https://github.com/blaze-xyz", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e4e9eaaae054562a704e2fa2c79cd662fa1de1a6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/32b6cfc229b1ca146e875d8913f53334c0da7203.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/b23b3243843bfac9385fa07e9f744b4dd190b5a6.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2604eb06621ae7da34a3dad7a4b9615ea47aebea.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/774af9b5bbdce18803e42bc77308d5661c9177e8.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/396ee81d46aa6fc3c35efe9fc7b07cca81bfb27d.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/3e4c92dc0f9056196308a8086f2779fe155baa63.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1447220, "full_name": "Faiyam Rahman", "title": "Founder/CEO", "founder_bio": "Faiyam is a full-stack engineer with a bachelors in mathematics from Duke and a masters of engineering from Cornell Tech. He is now the cofounder and CEO of Blaze Payments. \n\nHe is an avid traveler, most recently having completed a 6 month tour of India, Bangladesh, Nepal, Bali and Portugal. He is also an avid practitioner of yoga and meditation, and he enjoys long walks, the spoken word, and celebrating the joy of being alive.", "is_active": true, "linkedin_url": "https://linkedin.com/in/faiyam-rahman", "x_url": "https://x.com/faiyamrahman?s=21 ", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9cba0c6e814acf0ad3ef9359b109b18d80452940.jpg" }, { "user_id": 85958, "full_name": "Luc Succès", "title": "Founder/CTO", "founder_bio": "Luc is a 2 time VC backed founder. His first startup, Often, launched a keyboard app that enabled you to text your friends with Drake lyrics. Upon launch, Often blew up to #1 on the App Store and got over 400k downloads. He scaled his second startup Seasons, a rental service for high end menswear to $1mm in ARR.\n\nLuc is a seasoned tech leader, having led teams at Artsy & Spotify. He is also an avid traveler, having lived and worked in over 50 countries worldwide.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lucsucces", "x_url": "https://x.com/lucsucces", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2f2d991ce92e352a925668beaa14834fea172da4.jpg" } ], "jobs": [ { "id": 93973, "title": "Special Projects Intern | AI Content Generation -- Work Directly with the CEO", "url": "https://www.ycombinator.com/companies/blaze-2/jobs/BON6JAn-special-projects-intern-ai-content-generation-work-directly-with-the-ceo", "location": "Remote (US)", "type": "Internship", "role": "Engineering", "role_type": "Full stack", "salary_range": "$1 / monthly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] }, { "id": 115184, "title": "Growth Engineering Intern | Work Directly with the CEO", "url": "https://www.ycombinator.com/companies/blaze-2/jobs/2MAby7B-growth-engineering-intern-work-directly-with-the-ceo", "location": "CA / US / MX / GT / BZ / HN / SV / NI / CR / PA / CU / JM / HT / DO / BS / BB / TT / LC / GD / VC / AG / DM / KN / CO / VE / GY / SR / EC / PE / BR / BO / PY / CL / AR / UY / Remote (CA; US; MX; GT; BZ; HN; SV; NI; CR; PA; CU; JM; HT; DO; BS; BB; TT; LC; GD; VC; AG; DM; KN; CO; VE; GY; SR; EC; PE; BR; BO; PY; CL; AR; UY)", "type": "Internship", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizenship/visa not required", "skills": [] }, { "id": 115811, "title": "Sales Intern (Commission) | Book Demos for an AI CFO | Hiring Immediately", "url": "https://www.ycombinator.com/companies/blaze-2/jobs/ST1qTQq-sales-intern-commission-book-demos-for-an-ai-cfo-hiring-immediately", "location": "CA / MX / GT / HN / SV / NI / CR / PA / CU / BZ / HT / BS / TT / JM / DO / BB / LC / GD / VC / AG / DM / KN / US / CO / VE / GY / SR / EC / PE / BR / BO / PY / CL / AR / UY / Remote (CA; MX; GT; HN; SV; NI; CR; PA; CU; BZ; HT; BS; TT; JM; DO; BB; LC; GD; VC; AG; DM; KN; US; CO; VE; GY; SR; EC; PE; BR; BO; PY; CL; AR; UY)", "type": "Internship", "role": "Sales", "role_type": null, "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [ { "id": 108616, "title": "Blaze - AI CFO for Businesses", "tagline": "An AI CFO that pays your bills, collects your invoices, and forecasts your cash.", "body": "**TL;DR:** Blaze is an agent that runs the entire finance function for your business: pay bills, accept payments, forecast your cash flow, and keep your books current. Install it with **npx @blaze-money/cli**. Use it with your favorite agentic harness or at blaze.money/agentic-finance. ChatGPT, Claude apps, and OpenClaw plugin coming soon.\\\n\\\nOur launch video: \n\n## ❌ The problem\n\nYou're a lean team busy doing more than you can handle already, and finances feel like a perpetual weight on your shoulders. You know there are bills to pay, invoices to collect on, questions you want answered. But a real finance team costs $10,000 to $20,000 a month, and you could always \"do it yourself,\" so the problem goes on dangling, half solved, half annoyance, always taking up RAM.\n\nWhat ends up happening is bills get paid late, you spend money on some $300/month marketing software your interns bought months ago without you knowing, and real problems with your vendors, payroll, and runway sneak up on you at 2am on Sunday.\n\nWe've lived this personally. As a 3 year old, super lean fintech team running all our own finances, we know what it's like trying to keep the finances afloat while doing everything else it takes to make it big. It's not like the work is rocket science. It's just constant, manual, nagging, and spread across 18 different tools that need sense making.\n\nUntil recently, you had to pay $10,000 a month to hire a finance function. We'd like to change that.\n\n## 🛠 What we built\n\n![uploaded image](/media/?type=post&id=108616&key=user_uploads/85958/4ef6fa06-6115-4df5-bacf-cc481a437e15)\n\n\\\nChat with Blaze from your favorite agentic harness and watch it get real things done for your finances:\n\n* **Pay bills and contractors.** Tell it to pay the AWS bill and it finds the invoice, shows you the amount, and pays on your approval. \"Send Maria $3,000 for the design work\" works the same way, domestic or international.\n* **Collect payments and send invoices.** \"Send Acme a payment link for $12,500.\" Blaze creates the link, sends it, and updates you when it's paid. Draft a real invoice the same way, from a one-line request. If a client drags their feet, it follows up automatically.\n* **Forecast cash.** Connects to your bank through Plaid, finds the recurring patterns, and projects your balance so you know your runway.\n* **Handle the pre-accounting.** Categorizes transactions and matches them to the bills and invoices they belong to as they happen, so your actual accounting is easier when you get to it.\n* **Move stablecoins.** On and off-ramps USDC across 80+ currencies, with support for cards and various local payment methods around the world.\n* **Flag problems early.** Tells you about a low balance, an overdue invoice, or unusual spend before it becomes an issue.\n\nIt installs with one command:\n\n```\nnpx @blaze-money/cli\n```\n\nYou can use it anywhere you use AI agents. Our favorites are in Hermes on Telegram and on the dashboard at dashboard.blaze.money. There's a REST API and SDK if you want to connect it to your own systems.\n\n![uploaded image](/media/?type=post&id=108616&key=user_uploads/85958/492a039d-5aeb-4cab-bc85-33fe8f82f1c0)\n\n## 🙏 Ask\n\nIf you are, or you know, any of the following, we'd love to hear from you.\n\n**Founders running lean**\n\nYou're doing your own bills, invoicing, and cash flow because a real finance team costs $10,000 to $20,000 a month. Try it and tell us what breaks: **npx @blaze-money/cli** or .\n\n**Early customers**\n\nWe're onboarding our first businesses now, and want people who'll help us decide what the agent should handle next. Especially focused on handyman and trades businesses (HVAC, repair, remodeling) and property managers, especially in the Airbnb space.\n\n**Anyone with an intro**\n\nTo founders and small teams who'd rather not open their bank again. You can reach us at [founders@blaze.money](mailto:founders@blaze.money).\n\n## 👥 Team\n\nFaiyam is a full-stack engineer who dropped out of med school to build startups instead. As a founding engineer at Luc's previous startup, he helped it scale to $1m in ARR. He manages finances for Blaze, and is personally relieved he no longer needs to stay up on Sunday nights to do so.\n\nLuc is a two-time founder. His first startup hit #1 on the App Store. Before that, he was a tech lead at Spotify and Artsy. Luc built Blaze's cross-border payment rails after living the problem firsthand, moving money in and out of Latin America.\n\nFun fact: Luc and Faiyam met after Faiyam \"coincidentally\" sat down next to him at a coffee shop in Williamsburg, New York, seven years ago. The rest is history (in the making).", "url": "https://www.ycombinator.com/launches/SFs-blaze-ai-cfo-for-businesses", "votes": 29, "created_at": "2026-07-31T17:08:14.398Z" }, { "id": 83613, "title": "Blaze - Global Venmo for cross border payments", "tagline": "Pay anyone, anywhere, seamlessly.", "body": "**TL;DR**: Blaze is building a global Venmo for cross-border payments. For example, if you're a Californian nomad living in Mexico City, you can use Blaze to pay rent to your local landlord. Or if you're an expat living in Colombia, you can use Blaze to pay your teacher for Spanish classes. Check [us out](https://blaze.money/app-download) on iOS and Android!\\\n\\\nA [quick intro](https://www.youtube.com/watch?v=50MMF87m3ZM) for you:\n\nA little over a year ago, we found ourselves traveling all over the world. Luc was spending time between Mexico, Colombia, and other parts of South America, while Faiyam was nomad-ing around Asia. Everywhere we went, it was a pain to transact with our new friends from other countries. We found ourselves wanting a Venmo like experience that worked for our international lives.\n\nSo we decided to build it. Blaze is the payments app we wanted for our own lives, and if you have a lot of international contacts, perhaps it is for you too.\n\n![uploaded image](/media/?type=post&id=83613&key=user_uploads/1447220/01f1684f-81c7-44be-8d51-3ae79733e27c)\n\n_from left to right:_\n\n💻 [Luc](https://www.linkedin.com/in/lucsucces) studied engineering at NYU before going on to start 2 VC-backed startups, one of which went to #1 on the app store and got him sued by Drake (true story). He’s also been a tech lead at Spotify and Artsy, and has lived and worked in over 50 countries worldwide.\n\n🧘‍♂️ [Faiyam](https://linkedin.com/in/faiyam-rahman) studied mathematics at Duke, then engineering at Cornell before going on to build a $1M ARR business with Luc at his 2nd startup. He’s also an avid practitioner of yoga and meditation.\n\n🧑‍🎨 [Igor](https://linkedin.com/in/zagnienski) is a former lead designer at BitPanda, Austria’s first unicorn. Prior to that, he spent his time jumping out of planes and running Space Individuals, one of Europe’s leading platforms to find jobs in Space.\n\n# 📱 **App Preview**\n\n![uploaded image](/media/?type=post&id=83613&key=user_uploads/1447220/71549726-5f93-469a-bf32-6f2ec6d5c94d)\n\n# **🙏 Asks**\n\n* Help us beta test! [Download](https://blaze.money/app-download) on iOS and Android. You can share feedback at [founders@blaze.money](mailto:founders@blaze.money).\n* **Share this post!** If you know someone with an international lifestyle who would want to use Blaze, please share this post with them.\n* **Connect us with** **businesses** in travel, hospitality, or other spaces that could use help with cross-border payments.", "url": "https://www.ycombinator.com/launches/Lkb-blaze-global-venmo-for-cross-border-payments", "votes": 34, "created_at": "2024-08-30T04:16:43.486Z" } ] }, { "id": 30065, "name": "Charm", "slug": "withcharm", "former_names": [ "BeerMe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bdd48a02de2e277524168808bf7edcd14c995ed9.png", "website": "https://charm.cash/", "all_locations": "New York City, NY, USA", "long_description": "Charm makes sending money as easy as sending email. Most people juggle multiple payment apps and scattered balances. Charm lets you pay anyone — no matter what app they use — and earns you 5% interest on your balance, automatically.", "one_liner": "Charm is the universal payments app — send money to anyone.", "team_size": 1, "industry": "Consumer", "subindustry": "Consumer -> Social", "launched_at": 1729059342, "tags": [ "Crypto / Web3", "Payments", "Consumer", "Messaging", "Social Media" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Consumer", "Social" ], "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/withcharm", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2024/withcharm.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/bdd48a02de2e277524168808bf7edcd14c995ed9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 992626, "full_name": "Gray Newfield", "title": "Founder/CEO", "founder_bio": "Gray Newfield is the co-founder and CEO of BeerMe. He previously worked as a software engineer at Uniswap, the most widely used decentralized exchange on Ethereum. Before that he was a software development engineer at Amazon.com for four years, working on core retail experiences across shopping, promotions, and checkout. Gray holds a B.S. in Computer Science from Yale University.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gray-newfield-447b9b111/", "x_url": "https://x.com/gray_newfield", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6a345f9aebf19b21e0610d24604d69ecfdefc3ce.jpg" }, { "user_id": 2246500, "full_name": "Noah Newfield", "title": "Founder/COO", "founder_bio": "Noah is co-founder and COO of BeerMe. He shaped strategy at Uniswap Labs, maker of the largest decentralized exchange on Ethereum, for 2 years and led GTM for the Uniswap wallet. He previously led growth at Genie, the first NFT marketplace aggregator, which did $500M in trading volume, before it was acquired by Uniswap. He studied business at the University of Southern California, Hong Kong University of Science and Technology, and Universitá Bocconi. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/noah-newfield-208a40129/", "x_url": "https://x.com/NoahNewfield", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ab5ad62ec89b7acc9b1c30416fa7acadd3fed118.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 84970, "title": "BeerMe - A fun, global alternative to Venmo built on USDC", "tagline": "BeerMe is a community payments platform that makes sending money fun and personal. ", "body": "Hey YC! We’re [Gray](https://www.linkedin.com/in/gray-newfield-447b9b111/) and [Noah](https://www.linkedin.com/in/noah-newfield-208a40129/), co-founders of [BeerMe](https://beerme.world/).\n\n**The Problem:** Sending money should be as engaging as other forms of digital content.\\\nAs we spend more time online, our options for self-expression (text, audio, photos, video, gifs, emojis, reactions, and stickers) have flourished. But payments feel about the same as they did 10 years ago.\n\n**The Solution:** BeerMe makes sending money fun and expressive.\n\nSend an old friend a couple beers ($16) on his birthday. Text your daughter a coffee ($5) to brighten up her finals week. Slack your team little treats ($4 each) at the end of a long sprint. With a curated library of tokens, any moment becomes an occasion.\\\n\\\n**Demo:**\n\n\n\nLike all social media content, tokens can be sent via private, anonymous links on any platform where people stay connected. Transfers are instant, global, and free. Track and manage tokens, swap for other options, or cash out USDC to any crypto wallet or exchange.\n\nWith BeerMe, there’s a token for every moment.\n\n**Our Ask:**\n\n1. **Sign up** with your phone number at [BeerMe.World](http://BeerMe.World) before 10/30 and **we’ll send you a free Founder Mode token** ($1).\n2. **SOGO (Send one, get one)** Send someone a token, tell us about your experience by DMing [@BeerMeWorld](https://x.com/BeerMeWorld) on X or emailing [noah@beerme.world](mailto:noah@beerme.world), and we’ll send you a beer ($8).\n3. Want to send a token that’s not available yet? Reach out to [noah@beerme.world](mailto:noah@beerme.world) and **we’ll custom-make you a token** and add it to the platform.\n\n![uploaded image](/media/?type=post&id=84970&key=user_uploads/2246500/bbd835cc-7424-47e8-9b9f-5af96f227157)\n\nIf you’ve already signed up for BeerMe, contact us directly for your Founder Mode token.\n\nAny feedback is appreciated. Thanks so much for your support!", "url": "https://www.ycombinator.com/launches/M6U-beerme-a-fun-global-alternative-to-venmo-built-on-usdc", "votes": 57, "created_at": "2024-10-23T00:50:33.408Z" } ] }, { "id": 30295, "name": "Infinite", "slug": "infinite", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ee72e2d0f729f9fecd56cec594e37086a27cff9.png", "website": "https://infinite.net", "all_locations": "San Francisco, CA, USA", "long_description": "Infinite is a stablecoin payment processor. We offer businesses turnkey APIs and SDKs to instantly move money anywhere in the world at a fraction of the cost of traditional solutions.", "one_liner": "Global B2B Stablecoin Processor", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1739870082, "tags": [ "Developer Tools", "Payments", "B2B", "Compliance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/infinite", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/infinite.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/infiniteinc", "x_url": "https://x.com/infinitedotdev", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/infinite-17a4", "github_url": "https://github.com/infiniteagents", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3ee72e2d0f729f9fecd56cec594e37086a27cff9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 39977, "full_name": "Nikhil Srinivasan", "title": "Founder/CEO", "founder_bio": "Cofounder and CEO of Infinite with Raj Lad. Previously platform product lead at Sardine and Coinbase (S12) via acq. Distributed Systems (F1).", "is_active": true, "linkedin_url": "https://linkedin.com/in/nikhilsrinivasan", "x_url": "https://twitter.com/nvs", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e4e1df6ef7dca4731467b83d6207123d4c772bce.jpg" }, { "user_id": 661959, "full_name": "Raj Lad", "title": "Founder/CTO", "founder_bio": "Cofounder and CTO at Infinite. Previously payments tech lead at Sardine where I launched the global stablecoin payments and credit risk workflow products.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rajlad/", "x_url": "https://x.com/rajlad_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3ef9e61f87a4e936567c06e81aa7fc4d230602f5.jpg" } ], "jobs": [ { "id": 72981, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/infinite/jobs/LqkMhIs-founding-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$108K - $230K", "equity_range": "0.25% - 1.00%", "experience": "6+ years", "visa": "Will sponsor", "skills": [ "Go", "Python", "React", "TypeScript" ] } ], "news": [], "launches": [ { "id": 88276, "title": "♾️ Infinite: Global Stablecoin Payment Processor", "tagline": "Fast, affordable global payments.", "body": "[Infinite](https://youtu.be/L0Zho4tT8w8)\n\n#### **TL;DR: Fast-track your stablecoin integration**\n\nInfinite makes it easy for developers to embed global stablecoin payment rails through a turnkey SDK. Our customers use us to move money cross-border on same-day with low fees, all without crypto complexity.\n\n#### **The problem**\n\nAfter talking to over hundreds of merchants and payment processors, we found that global payments are slow, expensive, and unreliable. Traditional financial rails such as SWIFT result in high fees and multi-day delays with little transparency on the state of their transfer. Yet companies, both big and small, struggle to adopt stablecoins due to complex compliance requirements and fragmented vendor integrations.\n\n#### **Our solution**\n\nWe're building what merchants worldwide need: fast, affordable global payment rails that can be integrated in days instead of months. Infinite can process same-day payments to over 170 countries, enabling businesses to leverage stablecoins as a settlement network (a la SWIFT) for cross-border payments. Our network of on and off-ramps provides connectivity to local fiat funding and payout flows, enabling faster global money movement and our turnkey SDKs and APIs allow businesses to embed stablecoins into their applications faster. Today, our platform supports:\n\n* **Customer Bank to User Bank** — US bank -> International bank (e.g., USA to LATAM), allowing businesses to send local currency payments with instant settlement to LATAM, Europe, Africa, and SEA\n* **Customer Bank to User Wallet** — US bank -> user wallet, allowing businesses to send USD stablecoin payouts globally and instantly\n* **Customer Bank to User SDK** — Embedded wallet and hosted links experience for payment beneficiaries to seamlessly receive and manage stablecoin payments without dealing with crypto complexity\n* **Treasury Management** — Store balances in USD-denominated stablecoins earn a competitive yield and issue cards against wallet balances\n\n![uploaded image](/media/?type=post&id=88276&key=user_uploads/39977/7323ca79-3e4d-4e27-8a2d-7417c40b06c4)\n\n#### **Our wedge**\n\nWe partner with early-stage to mid-market companies with global payments, contractor payouts, and treasury management workflows, including:\n\n* **Creator Economy** – Creator payouts for platforms looking to reduce payment costs, increase successful delivery rates to their global creator base, and offer USD-based payout options\n* **Global Payroll** – Global payroll platforms looking to increase coverage, streamline tax compliance, and move money faster.\n* **Logistics** – Import/export payments for businesses struggling with slow settlement times and high fees in cross-border trade\n* **Marketplaces** – Marketplace payouts for platforms needing to send frequent, low-cost payments to sellers and service providers worldwide\n* **Neobanks:** Traditional banks for SMBs or neobanks in emerging markets looking to hold stablecoin-backed treasuries and remit globally\n* **Gaming** – eSports and gaming audiences are increasingly global, and consumers demand instant off-ramping options in their local markets\n\n#### **About us**\n\nWe’re building this platform to solve pain points we experienced building financial products at scale at companies like [Sardine](https://sardine.ai) and [Coinbase,](https://coinbase.com) where we learned about customers’ needs firsthand.\n\n![uploaded image](/media/?type=post&id=88276&key=user_uploads/39977/da6a2143-8cec-4854-b28a-5b2123b88f15)\n\n**Ready for instant global payments that just work?** Book a demo [here](https://cal.com/infinite) or reach out to us at [founders@infinite.dev](mailto:founders@infinite.dev)!\n\n![uploaded image](/media/?type=post&id=88276&key=user_uploads/39977/f12c7d30-ed73-413a-8d57-a08bc1f459b1)\n\n", "url": "https://www.ycombinator.com/launches/Mxo-infinite-global-stablecoin-payment-processor", "votes": 48, "created_at": "2025-03-06T04:43:08.672Z" } ] }, { "id": 30363, "name": "BlindPay", "slug": "blindpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f1817a0c9b9ff2db524e7cb0712e6867cdfcb2f0.png", "website": "https://blindpay.com/", "all_locations": "San Francisco, CA, USA", "long_description": "BlindPay is a stablecoin API that enables companies to send and receive money worldwide using fiat money, stablecoins and multiple blockchains. We handle all the complex compliance and regulatory requirements, so companies can focus on their core business.", "one_liner": "Stablecoin API for global payments", "team_size": 9, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1737430094, "tags": [ "Developer Tools", "Fintech", "Crypto / Web3", "Payments", "API" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/blindpay", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/blindpay.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/blindpay", "x_url": "https://x.com/blindpay", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f1817a0c9b9ff2db524e7cb0712e6867cdfcb2f0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 754326, "full_name": "Bernardo Simonassi", "title": "Founder/CEO", "founder_bio": "Co-Founder & CEO @ BlindPay — Stablecoin API for global payments. Has been shaping the stablecoin payments industry for the past 3 years, during which he developed the first payroll platform powered by stablecoins. Previously at PicPay, he developed instant payment solutions serving 60M+ users.", "is_active": true, "linkedin_url": "https://linkedin.com/in/bernardosm", "x_url": "https://x.com/bebedaselva", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2e8c4b7027ac80cdbaedd402799df3c16df8960d.jpg" }, { "user_id": 2097650, "full_name": "Joao Borges", "title": "Founder", "founder_bio": "Co-Founder @ BlindPay — Stablecoin API for global payments ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/joaoborgesjr/", "x_url": "https://x.com/joaocsb", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9c427a5e11824b6d0f01f3c6a7e625e2779a13e3.jpg" }, { "user_id": 2098545, "full_name": "Gustavo Marinho", "title": "Founder/CPO", "founder_bio": "Co-Founder & CPO @ BlindPay — Stablecoin API for global payments. Specializing in consumer-facing financial products for Latin America, I bring over 8 years of experience building digital products. At PicPay (60M+ users), I led the design of a loans marketplace and instant payment initiatives, processing $1.2M in daily loans during MVP phase. As Co-founder of Dropull, I built and scaled a social gaming platform to 1M users.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gustavomarinho/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8e6b7abed2477e4cfcf65814f4db9bcb93e1384e.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 87070, "title": "BlindPay - Stablecoin API for Global Payments", "tagline": "Core Infrastructure for LatAm Payments", "body": "### **TL;DR**\n\nBlindPay is a stablecoin API that helps companies navigate LatAm's complex financial regulations while enabling fast and affordable global payments. Watch our demo [here](https://www.youtube.com/watch?v=N9hHISlGp9Y).\n\n### **The Problem**\n\nBusinesses face significant hurdles when sending and receiving global payments:\n\n* Traditional methods rely on correspondent banks, adding fees (1.5-6% for B2B) and delays of 2-5 business days or more. Bank transfers typically require 2-4 intermediaries between smaller countries, with costs reaching hundreds of dollars. \n* Frequent fluctuations in Latin American currencies, coupled with extreme inflation rates (over 50% annually in some countries), make international payments unpredictable and risky. \n* Complex regulations and strict compliance rules across jurisdictions require different documentation for each institution. \n* Fragmented payment landscapes across countries require integration with multiple local payment systems (like SPEI, Pix, PSE), making implementation resource-intensive\n\n### **Our Solution**\n\nOur API integrates seamlessly with your existing workflows. With BlindPay you can:\n\n* Send and receive payments using fiat money and stablecoins\n* Get competitive FX quotes and low transaction fees\n* Connect directly to local instant payment systems across Latin America\n* 24/7 payments with instant settlement\n* Ensure compliance through blockchain screening, tiered KYC/KYB levels, and continuous transaction monitoring\n\nExpand your global reach while reducing costs and transaction times by up to 80%. Powered by stablecoins and blockchain, our platform eliminates the delays, high fees, and regulatory barriers of traditional payment systems.\n\n![uploaded image](/media/?type=post&id=87070&key=user_uploads/2098545/f81c874e-a8e7-4a92-ab1e-de8897529a63)\n\n### **Developer Experience**\n\nAdd fiat gateways to your apps with minimal code. Our SDKs support multiple languages and frameworks, backed by a developer-friendly REST API with public OpenAPI documentation.\n\n* Support for multiple blockchains and major stablecoins\n* Direct integration with local payment systems like SPEI (Mexico), Pix (Brazil), PSE (Colombia) and Transfers (Argentina)\n* Separate sandbox and production environments with unique API keys and webhooks\n* Real-time payment tracking and transaction monitoring\n\n### **Team**\n\n![uploaded image](/media/?type=post&id=87070&key=user_uploads/2098545/d3fdd3f4-c653-427c-8e06-159b1ac4809f)\n\n**Bernardo Simonassi (CEO)** has been shaping the stablecoin payments industry for the past 3 years, where he developed the first payroll platform powered by stablecoins. Previously at PicPay, he developed instant payment solutions serving 60M+ users.\n\n**Gabriel Lyra (CTO)** led software engineering at LendingClub, where he architected and implemented critical financial infrastructure handling $50B in monthly loan transactions. Previously at AWS, he optimized infrastructure scripts that reduced monthly costs from $15M to $1M.\n\n**João Borges (COO)** is a prominent leader and entrepreneur, best known for founding one of Brazil's largest blockchain startups. In its first year of operation, he successfully scaled the company to seven-digit revenue and raised millions of dollars from top-tier venture capitalists. João is also an active contributor to the Nouns DAO ecosystem and has been recognized on the Forbes 30 Under 30 list.\n\n**Gustavo Marinho (CPO)** is a former product leader at top-tier Brazilian fintechs, where he specialized in consumer-facing financial solutions for Latin America. Previously at PicPay, he built instant payment solutions and credit products, successfully growing a personal loan portfolio to over $100M within six months of launch. \n\n### **Our Ask**\n\nHey founders, are you building a product that needs global payment functionality? Email us at [founders@blindpay.com](mailto:founders@blindpay.com)\n\nBlindPay is the simplest way to integrate global payments into your product:\n\n* Neobanks & fintech\n* Payroll solutions\n* Remittance providers\n* Wallet infrastructure providers\n* Traditional FX industry\n* Stablecoin aggregators\n* Marketplaces & platforms\n* Gaming & crypto apps\n* Billing & invoicing software\n* Freelancer & gig economy tools", "url": "https://www.ycombinator.com/launches/MeM-blindpay-stablecoin-api-for-global-payments", "votes": 66, "created_at": "2025-01-22T22:26:34.751Z" } ] }, { "id": 30798, "name": "Ruvo", "slug": "ruvo", "former_names": [ "Cacao" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bf922f186766cb3591cc2c3c89facdcee263517.png", "website": "https://ruvo.com/", "all_locations": "São Paulo, SP, Brazil", "long_description": "Ruvo is a global account for receiving, holding, and moving money between USD and BRL.\r\n\r\nWe connect Pix, crypto, and Visa so you can receive USD from abroad, convert between USD and BRL in minutes, send money to the U.S., spend worldwide, and save in digital dollars with yield — all in one place.\r\n\r\nRuvo supports both personal (CPF) and business (CNPJ) accounts, with low fees, strong security, and direct Pix settlement.\r\n\r\nFormerly known as Cacao.\r\n", "one_liner": "The Global Dollar App for Brazil", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1754882271, "tags": [ "Fintech", "Crypto / Web3", "Payments" ], "tags_highlighted": [ "Crypto / Web3" ], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech" ], "regions": [ "Brazil", "Latin America", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ruvo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/ruvo.json", "year_founded": 2025, "city": "São Paulo", "country": "BR", "linkedin_url": "https://www.linkedin.com/company/ruvohq", "x_url": "https://x.com/ruvopay", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/cacao-1d6c", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1bf922f186766cb3591cc2c3c89facdcee263517.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/0bbe327f0e9edadad55ed948937702df4d09a781.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1127436, "full_name": "Alec Howard", "title": "Founder/CEO", "founder_bio": "Co-Founder and CEO of Ruvo (formerly Cacao). Ex-Uber & previous Head of Marketing at Gauntlet AI (Lambda School, YC S17)", "is_active": true, "linkedin_url": "https://linkedin.com/in/alexandermhoward", "x_url": "https://x.com/alecmhoward", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/12f741689b5e2b265e87df0c2977958634555a9b.jpg" }, { "user_id": 2714901, "full_name": "Michael Mason", "title": "Founder/CTO", "founder_bio": "Co-Founder & CTO of Ruvo. Previous Co-Founder & head of Product & Engineering at Mercato.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mason-michael/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/73844158feab0958a42472bee8f1e39e497389a8.jpg" } ], "jobs": [], "news": [ { "title": "O americano ex-Uber que se impressionou com o Pix no Brasil e criou uma fintech de R$ 1 bilhão | Exame", "url": "https://exame.com/negocios/o-americano-ex-uber-que-se-impressionou-com-o-pix-no-brasil-e-criou-uma-fintech-de-r-1-bilhao/", "date": "Sep 24, 2026" }, { "title": "Ruvo capta US$ 4,6 milhões para modernizar remessas entre Brasil e EUA ", "url": "https://startupi.com.br/ruvo-capta-us-46-milhoes/", "date": "Feb 02, 2026" }, { "title": "Ruvo, a fintech do ex-Uber que facilita um ‘Pix’ entre Brasil e EUA - Brazil Journal", "url": "https://braziljournal.com/ruvo-a-fintech-do-ex-uber-que-facilita-um-pix-entre-brasil-e-eua/", "date": "Jan 20, 2026" }, { "title": "Ruvo: a solução ideal para brasileiros que recebem em dólar e precisam converter para reais com rapidez, transparência e taxas mínimas. - Bitcoin Block | Notícias & Blockchain", "url": "https://bitcoinblock.com.br/2025/12/15/a-solucao-ideal-para-brasileiros-que-recebem-em-dolar/", "date": "Dec 15, 2025" }, { "title": "Inside YC's Hottest Startups - by Ollie Forsyth", "url": "https://www.neweconomies.co/p/inside-ycs-hottest-startups-of-2025", "date": "Oct 18, 2025" } ], "launches": [ { "id": 92888, "title": "Cacao - Brazilians can now receive USD & crypto instantly", "tagline": "Get paid in USD or stablecoins, spend with a Visa card, and withdraw to Pix", "body": "## **Hey everyone**\n\nWe’re Carlos, Alec, and Mike - co-founders of **Cacao.**\n\n### **TL;DR**\n\n**Cacao helps Brazilians receive USD or crypto and instantly convert to Reais (BRL), straight to Pix - all in one mobile app.**\n\n![uploaded image](/media/?type=post&id=92888&key=user_uploads/1127436/c35585c5-8ede-4cce-8a44-2b0cf1574a51)\n\nPIX is Brazil’s instant, free, 24/7 payment system created by the Central Bank.\n\nWhether you're a remote worker, freelancer, software engineer, content creator, or receiving remittances, Cacao gets your money home faster, cheaper, and with zero bureaucracy.\n\n**Try the app:**[ ](https://www.cacaofi.com/en)[https://www.cacaofi.com/](https://www.cacaofi.com/%5C)\\\n**Contact us**: [founders@cacaofi.com](mailto:founders@cacaofi.com)\\\n\\\nhttps://www.youtube.com/watch?v=gEbsfiKngvU\n\n\\\n**The Problem**\n\nMillions of Brazilians earn money from abroad - whether working for global tech companies, freelancing, creating content, teaching online, or receiving remittances from family. But moving money back to Brazil is still:\n\n* **Slow** - transfers take 1–3 business days\n* **Expensive** - with hidden FX fees and SWIFT charges\n* **Frustrating** - requiring multiple accounts, platforms, and workarounds\n\nCarlos tried to pay Brazilian engineers from the US and saw firsthand how broken it is. Fintechs keep building on top of SWIFT. But **SWIFT is the problem**. Cacao replaces it with faster, cheaper rails: stablecoins + Pix.\\\n\\\n**Our Solution**\n\n---\n\nCacao is the best app for Brazilians who are receiving income from abroad.\n\nBuilt with speed, transparency, and flexibility in mind:\n\n* **Receive USD or USDT** via ACH, Wire, RTP, or crypto\n* **Store securely** in a stablecoin (USDT) wallet\n* **Withdraw instantly** to Reais (BRL) via Pix - 24/7, 365 days\n* **Spend in USD** globally with a Visa Platinum card (Apple & Google Pay)\n* **Send and receive crypto** wallet-to-wallet (crypto ↔ crypto is free)\n* **Load your wallet with Pix** - BRL → USDT directly\n* **Track everything** in one intuitive mobile app, with local support in Portuguese\n\n**Pricing:**\n\n* 0.9% on USD deposits\n* 0.9% on Pix withdrawals\n* 1% on card usage\n* **Free crypto ↔ crypto transfers**\n* **Live FX rates** that beat the mid-market rate by 1-2%\n\n**Who It’s For**\n\nCacao is built for Brazilians who get paid from abroad:\n\n* **Freelancers** - devs, designers, PMs, translators, consultants.\n* **Creators** - YouTubers, Kick & Twitch streamers, influencers.\n* **Remote workers** - employed by global companies\n* **Remittance recipients** - family sending money home\n* **Educators** - Udemy, Coursera instructors\n* **Platform earners** - Upwork, Deel, Fiverr, Remote, Ontop, Workana\n* **Foreigners in Brazil** - US tourists and expats using Pix to pay and get paid\n\nGet paid from anywhere. Avoid high fees. Access your money on your terms.\\\n\\\n**Our Ask**\n\nIf you answer “yes” to any of these, we’d love your help:\n\n1. **Do you pay Brazilian freelancers or employees?** \\\n We make receiving income abroad instant and affordable.\n2. **Run a global platform (payroll, freelance, creator)?**\\\n Let’s partner.\n3. **Know Brazilians who earn from abroad or use crypto?**\\\n Share Cacao with them.\n4. **Want to try it yourself or give feedback?**\\\n Download:[ https://www.cacaofi.com/en](https://www.cacaofi.com/en)\n\n📩 [founders@cacaofi.com](mailto:founders@cacaofi.com)\n\nObrigado - let’s make Pix global 🇧🇷💸\n\n![uploaded image](/media/?type=post&id=92888&key=user_uploads/1127436/fb386a2c-9bf5-46ba-9ca5-39d1ed47cd7c)\n\n", "url": "https://www.ycombinator.com/launches/OAC-cacao-brazilians-can-now-receive-usd-crypto-instantly", "votes": 61, "created_at": "2025-08-15T22:24:23.856Z" } ] }, { "id": 31255, "name": "Grade", "slug": "grade", "former_names": [ "Creator Check" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/97bee8995323297bfa4540365e98ff74a62aa5fd.png", "website": "https://usegrade.com", "all_locations": "San Francisco, CA, USA", "long_description": "Grade is the API for performance-based payroll. Think of us like Deel or Gusto, but our payouts are for work completed, not hours. Companies use Grade to pay AI agents and contractors based on results: tasks completed, targets hit, work delivered. We handle compliance, tax reporting, and global payouts.", "one_liner": "API for performance-based payroll", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1768947933, "tags": [ "Fintech", "Payments", "Payroll", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/grade", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/grade.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://linkedin.com/company/usegrade", "x_url": "https://x.com/usegrade", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/97bee8995323297bfa4540365e98ff74a62aa5fd.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 1159814, "full_name": "Lotanna Ezeike", "title": "Founder/CEO", "founder_bio": "2x VC-backed founder. Previously product lead at Barclays, one of the world's largest banks, where I led product for digital payments. At my last company, I managed $10M+ in contractor payouts. That experience led me to build Grade, the API for paying AI agents and contractors based on performance.", "is_active": true, "linkedin_url": "https://linkedin.com/in/lottsnomad", "x_url": "https://x.com/lottsnomad", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7d5d19671ff99112bbe0922371466c381c92185b.jpg" }, { "user_id": 995638, "full_name": "James Heaney", "title": "Founder/CTO", "founder_bio": "2x exited founder and now the CTO of Grade, the API for performance based payroll. Previously, I built and exited my first cryptography startup for over $5M while still in school, built and exited a consumer mobile app PrayScreen, built a rocket engine in my garage, and moved to San Francisco with my cofounder over a year ago.\n\nExcited by the future of payroll for the new global workforce and AI agents.", "is_active": true, "linkedin_url": "https://linkedin.com/in/jvheaney", "x_url": "https://x.com/jvheaney", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/790f919bb3ba3571e289d1121fb7cf200920a93e.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 97852, "title": "Grade: Performance based Payroll", "tagline": "Helping companies pay their workers based on performance.", "body": "**Lotanna** and **James** here, co-founders at Grade (YC W26).\n\nGrade is performance based payroll. We help companies pay workers based on results.\n\n### \n\n### **Our Launch Video 🎥**\n\n\n\n### **The Problem ❌**\n\nPayroll is huge. About $50T a year goes to worker pay worldwide. But most payroll systems still pay people for hours worked, even when hours do not match real output.\n\nWhen companies try to pay on performance, it gets messy fast:\n\n* The rules live in spreadsheets\n* Approvals are manual\n* Payouts are slow and mistakes happen\n\n### **Our Unique Insight 💡**\n\nBefore Grade, we built, scaled, and exited 4 mobile AI apps. Creators were our main growth channel, and they helped us reach millions of users.\n\nPaying creators was always a gamble. We paid a flat fee up front and hoped a video went viral. When we switched to paying for views instead, scaling got easy, but the tools were still spreadsheets. There was no payroll system for performance pay.\n\n![uploaded image](/media/?type=post&id=97852&key=user_uploads/1159814/0f8e12e4-c2c3-4a41-ad24-ff24b323d164)\n\n### **The Solution ✅**\n\nGrade makes performance pay run like real payroll, starting with creators.\n\n* Pay creators any way you want (flat fees, performance pay, bonused)\n* We track performance and calculate payouts automatically\n* Approve and pay out in bulk, we deal with all the invoices and tax complaince\n\n![uploaded image](/media/?type=post&id=97852&key=user_uploads/1159814/58ba3703-1ad5-40d8-9416-24b28145fa41)\n\n### **Traction 📊**\n\nIn the last 30 days, companies used Grade to **pay out $380k+** to creators, up 120% MoM\n\n![uploaded image](/media/?type=post&id=97852&key=user_uploads/1159814/07111969-8895-4c5e-99f2-d8e6606424d5)\n\n### **Our ask 📣**\n\nIf your company is paying creators at scale and you want pay tied to results without the spreadsheet mess, we would love to talk.\n\n[usegrade.com](http://usegrade.com)", "url": "https://www.ycombinator.com/launches/PSG-grade-performance-based-payroll", "votes": 14, "created_at": "2026-02-17T05:49:20.980Z" } ] }, { "id": 31526, "name": "Uno Wallet", "slug": "uno-wallet", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2393bf402ae2e425fc41cb7f78facb4b67fa9d5.png", "website": "https://myunowallet.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We are changing the way that people pay...\r\nFounded by:\r\nSaket Joshi: www.linkedin.com/in/saket-dattatray-joshi/\r\nMordi Shadpour: www.linkedin.com/in/mordi-shadpour/", "one_liner": "The AI mobile wallet that replaces Apple Pay", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1779834493, "tags": [ "Fintech", "Payments", "Consumer", "Infrastructure", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "The founders met at a Harvard startup mixer in 2023 and immediately bonded over fintech. They stayed in touch as friends and idea sparring partners, and later realized that advances in AI and new platform unlocks made Uno Wallet a massive opportunity to build together in the infrastructure and fintech space." } ], "url": "https://www.ycombinator.com/companies/uno-wallet", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/uno-wallet.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/uno-wallet", "x_url": "https://x.com/MyUnoWallet", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c2393bf402ae2e425fc41cb7f78facb4b67fa9d5.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/1fecca5d8dafd39142796c306a3102c067cff398.png" ], "primary_partner": { "name": "Andrew Miklas", "url": "https://www.ycombinator.com/people/andrew-miklas" }, "founders": [ { "user_id": 1631278, "full_name": "Mordi Shadpour", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO of Uno Wallet | MBA @ Harvard\nBuilding the AI that automates your financial life, starting with the decision everyone gets wrong 50 times a month: which card to tap.\n\nBloomberg Terminal. California native, based in the Bay Area.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mordi-shadpour", "x_url": "https://x.com/MordiShadpour", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/845444df2aded4c1492d125d61ff8d68a63131cd.jpg" } ], "jobs": [ { "id": 103221, "title": "Founding Engineer - Product & Infrastructure", "url": "https://www.ycombinator.com/companies/uno-wallet/jobs/UsckBfY-founding-engineer-product-infrastructure", "location": "San Francisco, CA, US / Palo Alto, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $205K", "equity_range": "0.50% - 2.00%", "experience": "1+ years", "visa": "Will sponsor", "skills": [] }, { "id": 113112, "title": "Founding Head of Product", "url": "https://www.ycombinator.com/companies/uno-wallet/jobs/VzmlenM-founding-head-of-product", "location": "South San Francisco, CA, US / Palo Alto, CA, US", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$125K - $200K", "equity_range": "0.50% - 2.50%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [] } ]