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"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": "Josh, Eddie, and I actually met completely by chance. I moved to the US for the Electrical Engineering PhD program at Stanford and just a couple of months in, I got paired up together with Josh through Stanford’s alumni mentorship program. Josh and Eddie went to Stanford EE together a few years earlier, but got reconnected after randomly when Eddie made a wild decision to run a half-marathon – with zero training – just to win a bet (!). Josh, Eddie and I bonded over our experiences growing up around small businesses, and starting past startups on our own. My dad has owned a small clothing store in Haifa for over 30 years now and I grew up helping in the store after school every day, and experiencing the small business ups and downs around the family dinner table every evening. Eddie had a similar experience with his family’s medical practice in Southern California. Finally, Josh, Eddie and I had started our own startups previously (none as successful as Gusto), and realized that our passion is solving real problems for real people and having a long-term positive impact through technology.We loved the idea of helping small businesses – the underdogs – thrive and succeed, and hated the fact that only “big enterprise” companies use technology internally for their advantage. It wasn’t fair and we wanted to fix it. What sparked the original idea behind Gusto was Eddie growing up and seeing his mom manage payroll for their medical practice. She had been doing every payroll by hand for over two decades. It was time-consuming, tough, and error-prone, with the practice paying as much as $200,000 in tax penalties over the years, up until we launched Gusto. One of the most rewarding parts of our journey was seeing her finally running payroll without having to physically be in the office – freeing her up to go on vacation while still being able to run payroll if she needed to. We realized that if we do a great job with payroll, we’ll have the most accurate system of record for our customers’ employees, which then will enable us to solve many more important problems like onboarding, time tracking, benefits, compliance, HR, and more. We’ve since kept on this vision and have built Gusto’s People Platform which helps over 300,000 businesses across the country start and grow their teams while building a great place to work – from the moment they’re hired, until their last day. We still feel like we’re in the super early stages of the company as our vision is much broader – to create a world where work creates a better life."
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"title": "Gusto’s path to $1 billion in revenue, milestone-by-milestone | Fortune",
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"tagline": "Trayd reinvents traditional construction payroll, creating financial opportunity for subcontractors and their workers.",
"body": "### **TL;DR:**\n\nTrayd is reinventing construction payroll for the betterment of all key players. For commercial real estate subcontractors, Trayd generates back office efficiencies with a platform that manages workforce attendance and payroll. For workers, Trayd offers instant access to their earned wages. Win-Win.\n\nWe are Anna Berger and Cara Kessler, the team behind @Trayd and we are on a mission to digitize construction payroll in order to power a better financial future for subcontractors and their workers.\n\n\n\n### 🚨**Problem**🚨\n\nWithin commercial real estate, demand for work is at an all-time high. In the last year, total construction spend in New York City reached $86BN and it keeps on climbing. That said, construction subcontractors are ill-equipped to handle the influx of work, with only 17% of them using digital tools to manage their back office. This lack of tech adoption is leading to work stoppages and high attrition, resulting in major revenue loss.\n\nTo make matters worse, construction employment still lags behind pre-covid levels. Of those that remain, highly skilled workers are choosing to leave the trades in search of more control over their cash flow, for example, gig economy jobs that allow them to work when they want and get paid instantly.\n\n### **🏗️ Our Solution** 🏗️\n\nTrayd is new type of construction payroll platform, designed to incentivize all key players. Through a closed loop system, Trayd tracks workers’ daily attendance in order to power real-time payroll automation. By merging time and payroll data into one system, subcontractors save tens of hours a week on manual back office work. As an added bonus, because Trayd authenticates attendance in real-time, Trayd can offer instant payment options to the workforce.\n\n\n\n\n\n### 📖 **The Backstory** 📖\n\nBorn into a construction family and close to the problems that plague subcontractors and workers on a daily basis, our team is excited to modernize construction back office operations while simultaneously offering financial tools and opportunities to subcontractors and workers.\n\n### **Asks 🙏**\n\n* Know anyone in the construction industry? We’d love to speak to any general contractors, subcontractors, construction workers, or developers about their day-to-day experiences. Send any leads to [anna@buildtrayd.com](mailto:anna@buildtrayd.com)\n* Follow along on our journey! → \n\nIf you have any questions, reach out! We’d love to hear from you.",
"url": "https://www.ycombinator.com/launches/J4y-trayd-construction-payroll-designed-for-same-day-pay",
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"created_at": "2023-07-24T15:14:09.940Z"
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"long_description": "malibou is a web application helping French SMBs to manage employees, run payroll and track compliance in a single app.\r\n\r\nWhen processing payroll in France, you either have the choice between an accountant with good advice but no way to connect an HRIS with him, or a good HRIS that does not include payroll services. It was time for a change, to finally bring payroll and HR at the same place. \r\n\r\nDue to increasing competition in the space, French payroll engines have just opened their APIs. This allows us to offer a unified payroll and HR solution, which wasn't possible before.",
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"full_name": "Maxence Drummond",
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"full_name": "Alexandre Pernin",
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"title": "🌴 malibou - Simple French payroll",
"tagline": "Meet malibou, the first all-in-one payroll and HR software for French SMBs",
"body": "\\[**tl;dr**\\] French payroll is so complex that no one has been able to build the Justwork or Gusto for France. This is coming to an end— we’re building the first all-in-one payroll and HR software for every French startup and SMB.\n\nHey y’all, we’re Max and Alex, the team behind [malibou](https://www.malibou.co/). We’re here to fix French payroll.\n\n\n\n**❌ The problem**\n\nRunning payroll in France is tough! There are 800 different labor agreements with its own set of rules, and each company belongs to a different one.\n\nSo when processing payroll in France, you either have the choice between\n\n1/ an accountant with good advice but no way to connect a good HRIS with him. Everything is manual (excel file, emails…)\n\n2/ a good HRIS that does not include payroll services— no one wants to deal with French payroll\n\n**✅ The solution**\n\nMalibou is the first all-in-one payroll and HR software for every French startup and SMB.\n\nOur promise is the following: 1/ We provide best-in-class HRIS designed for local compliance and 2/ We provide expert help so that HR managers and CEOs don’t have to deal with bureaucracy.\n\nThanks to malibou, companies can manage employee repositories, onboard newcomers in a few clicks, accept leave requests, validate and distribute payslips, pay their team from the app, and ask any questions related to social laws to our experts. Employees benefit from direct access to malibou.\n\n\n\n**👥 The team**\n\n[**Max**](https://www.linkedin.com/in/maxence-drummond-485057b4/) and [**Alex**](https://www.linkedin.com/in/alexandre-pernin-602308a3/) here, originally from France 🇫🇷.\n\nMax was a VC partner at Breega, where he opened the London office.\n\nAlex is a software engineer and also an ex-YC founder.\n\n**🙏 Ask: How you can help**\n\n* Share this with anyone you know who is employing people in France\n* If you have questions or requests, email us at [maxence.drummond@malibou.co](mailto:maxence.drummond@malibou.co)\n* You can also book a meeting with Max [here](https://calendar.app.google/1raqzyT4ufWPmrxeA)",
"url": "https://www.ycombinator.com/launches/KYg-malibou-simple-french-payroll",
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"long_description": "Central kills back-office work for startups. While HR/payroll platforms give you software to figure it out, Central actually does all the work using AI agents and human experts: payroll, benefits, compliance, accounting, taxes, and more. That's 10+ hours back every month. \r\n\r\nThousands of founders trust Central. Learn more and start for free at centralhq.com",
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"year_founded": 2023,
"city": "San Francisco",
"country": "US",
"linkedin_url": "https://www.linkedin.com/company/centralhq/",
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"full_name": "Josh Wymer",
"title": "Founder/CTO",
"founder_bio": "Josh is the CEO at Central. He was the 12th employee at Mixpanel, ran product engineering, and helped scale it to $1b+ valuation. He's also worked as a software engineer at Meta and played baseball at Virginia Tech.",
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"full_name": "Pranav Kashyap",
"title": "Founder/COO",
"founder_bio": "Pranav is the COO at Central, helping other companies automate back-office work. He previously built payment and tax products for millions of users at Stripe, rebuilt Mixpanel's self-serve and messaging products and spent a number of years working with technology companies at McKinsey and Sequoia Capital. He holds a bachelor's degree in Computer Science from IIT Bombay and an MBA from Wharton. ",
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"full_name": "Nilay Modi",
"title": "Founder",
"founder_bio": "Product & design",
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"title": "Central raises $8.6M from First Round Capital & YC",
"url": "https://centralhq.com/first",
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"title": "Central – Accounting, Taxes & R&D Tax Credits + Payroll, Benefits & State Compliance",
"tagline": "Your entire back-office in one platform. ",
"body": "\\~70% of every company’s expenses are related to people.\n\nBut today’s HR/payroll and accounting systems are separate. This leads to lost context, and founders end up with more work by having to answer the same questions repeatedly.\n\n**Central now solves this by consolidating your entire back-office:** accounting, taxes, R&D tax credits plus payroll, benefits, and state compliance.\n\n200+ YC companies have already made the switch to using Central for everything, including Wordware, Bitesight, Offstream, 1849 Bio and Undermind.\n\n**Learn more and get started for free at [centralhq.com](http://centralhq.com)**\n\n\n\n---\n\n—\n\n# **Why Central for accounting, taxes & R&D credits:**\n\n1. **One platform for your entire back-office**\n * Onboard once and never answer the same question again across vendors\n * Accurate closed books every month\n * Federal, state, and local franchise tax filings\n * Unlimited 1099s for all contractors\n * Complete R&D study & instant redemption to payroll\n * Includes Central payroll, benefits, and state compliance\n2. **Talk to your financials in Slack**\n * Query your burn, runway, revenue, etc.\n * Find docs like P&L, balance sheet, etc\n * Get answers to common financial questions\n3. **Bookkeeping built for fundraising**\n * Better categorization with more company context\n * Proper revenue recognition & asset depreciation\n * Financial summary every month to share with investors\n * Get custom diligence docs & reports fast\n4. **Dedicated startup CPA in Slack**\n * One point of contact who understands your business\n * Message them anytime in Slack\n * Catch mistakes before they happen.\n5. **White-glove migration / set up in 15 mins**\n * Run on QuickBooks or Puzzle (you own your account)\n * Just add us as an admin\n * Historical review and clean up\n\n\n\n—\n\n# **Comes with payroll, health insurance and state compliance:**\n\nMore info here - [centralhq.com](http://centralhq.com)\n\n1. **Payroll**\n * Pay US employees\n * Pay global contractors in 200+ countries\n * Unlimited pay runs, one-off payments, reimbursements, etc.\n2. **Compliance in 50 US states**\n * State foreign qualifications and registered agent (required to do business)\n * State payroll registrations (required to run payroll)\n * Workers' compensation insurance (required when you have 1 employee)\n * Government mail handling and past fine resolution\n3. **Benefits**\n * Access to a licensed health insurance broker\n * Medical, dental, vision, life, disability insurance\n * Guidance to pick the right plans & save money\n * 401(k)\n4. **HR & team management**\n * Offer letters, CIIAA, and other docs\n * I-9 employment verification\n * Onboarding, off-boarding, severance, etc\n5. **Central AI Agent in Slack**\n * Find and edit anything like salaries or addresses\n * Start workflows like hiring or firing\n * Retrieve docs like paystubs or certificate of incorporation\n6. **24/7 human support & experts (Slack & email)**\n7. **White-glove migration & setup (takes 15 mins)**\n\n\n\n—\n\n# **Get started for free - [centralhq.com](http://centralhq.com)**\n\n* **First 50 companies (limited offer)** - Free payroll, benefits, state compliance (free period based on team size, needs and batch). Add-on accounting, taxes & R&D credits ([see pricing](https://centralhq.com/pricing))\n* **YC F25 -** Everything above + free accounting (ends when you raise post-YC or after 6 months)\n* One quick call to see demo & setup everything. Migrating? We do all the work.\n* No annual contracts. Cancel anytime.",
"url": "https://www.ycombinator.com/launches/OR7-central-accounting-taxes-r-d-tax-credits-payroll-benefits-state-compliance",
"votes": 26,
"created_at": "2025-09-18T19:49:49.798Z"
},
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"id": 81853,
"title": "Central: Payroll + benefits for startups. Save weeks of work & fines.",
"tagline": "The first back-office platform that automates all the painful compliance work.",
"body": "# **📝 TL;DR:**\n\n* [Central](https://www.centralhq.com/?utm_source=launchyc) is the first payroll & benefits platform for startups that automates all the painful compliance work – saving you weeks of work and fines.\n* **Start for free -** [**www.centralhq.com**](https://www.centralhq.com/?utm_source=launchyc)\n * _10 mins to setup + we’ll do all the migration work._\n\n# ——\n\nFounders are drowning in back-office work. Even with the current recommended platforms, payroll, benefits, compliance was a never-ending pain in the…\n\nWhy do founders still need to understand all this?\n\nWhy do founders still have to register in multiple states to run payroll, set up worker’s compensation, pay random payroll related taxes, deal with scary government mail, update addresses across state filings, troubleshoot with insurance companies?\n\nA tragedy…\n\n\n\n# ——\n\n# **👋 HELLO CENTRAL: Save weeks of work & avoid fines.**\n\nCentral is the first payroll, benefits & ops platform designed for busy founders, not HR/finance professionals.\n\nUnlike other platforms, Central handles each compliance task from start to finish. You don’t need to learn or do anything. You just keep building because that’s what truly matters.\n\n\n\nSo, here’s everything you get:\n\n**Payroll & compliance**\n\n1. **Hire and pay anyone globally:** Central supports founders & employees in all 50 U.S. states and contractors in 200+ countries. We’ll handle reimbursements, offer letters, NDAs, I-9 verification, and more.\n2. **Automated payroll state registrations:** Existing platforms make founders interface with state agencies, leading to errors & fines. Central automates this entire process resulting in accurate tax IDs and withholding rates.\n3. **Automated payroll tax filings:** Existing platforms cover some taxes, and leave founders to handle the rest, leading to mistakes and fines. Central pays all taxes and verifies payments with federal, state, and local agencies.\n4. **Automated worker’s comp:** When you hire your first employee in a state, you need state-specific worker’s compensation insurance. Existing platforms make you go to other platforms to get a policy, leading to missed coverage and fines. Instead, Central sets it up and ensures payment automatically.\n5. **Government mail monitoring**: Founders often miss important government mail due to address changes. To combat this, Central adds a virtual mailing address to all of your state filings. This virtual address stays the same when you move, so Central can notify you about government mail and take the appropriate action.\n\n**Business compliance & insurance**\n\n1. **Foreign qualifications & city registrations:** Central handles the necessary business filings & the registered agent in your HQ city/state and other states when required.\n2. **Continuous BOI reporting to FinCEN:** The Corporate Transparency Act requires companies to submit beneficial ownership information (BOI) reports to FinCEN. Central files this for you and keeps it updated as officers and their information change.\n3. **Business insurance:** Central can set up insurance for general liability, directors and officers, cyber, errors and omissions, and more.\n\n**Benefits**\n\n1. **Medical, dental & vision insurance:** Central offers plans from top carriers for small groups and individuals. We automate setup and payments, making it easy for you. Pranav (co-founder at Central) is a licensed broker and expert and can guide you to avoid common mistakes.\n2. **Life insurance:** Integrated with payroll for pre-tax deductions.\n3. **401k:** Central partners with Guideline to provide easy payroll integration and pre-tax deductions.\n\nAnd, support via a shared Slack channel, phone & email.\n\n# ——\n\n## **🏎️ GET STUFF DONE INSTANTLY VIA SLACK**\n\nExisting platforms are a maze. You need to dig through 7 layers of UI with a shovel to get anything done.\n\nWith Central, you simply ask our bot, and it handles it for you (with your confirmation).\n\nIt’s like your company’s first head of HR/finance.\n\nOur customers love the ease of:\n\n* **Retrieving company info & docs:** Get company EIN, certificate of incorporation, W-9, etc.\n* **Updating employee info:** Adjust salaries, start dates, titles, etc.\n* **Accessing personal docs:** Find offer letters, paystubs, health insurance cards, W-2s etc.\n* **Tracking offers & payroll:** See when employees sign, onboard, and get paid.\n* **Understanding their paystubs:** Break down taxes, pay dates, and more.\n\n# ——\n\n# **🎁 START FOR FREE -** [www.centralhq.com](https://www.centralhq.com/?utm_source=launchyc)\n\n_10 mins to setup + we’ll do all the migration work_\n\n\n\n",
"url": "https://www.ycombinator.com/launches/LID-central-payroll-benefits-for-startups-save-weeks-of-work-fines",
"votes": 135,
"created_at": "2024-07-01T19:57:33.995Z"
}
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},
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"name": "Grade",
"slug": "grade",
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"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,
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"url": "https://www.ycombinator.com/companies/grade",
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{
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"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.",
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{
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"full_name": "James Heaney",
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{
"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\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\n\n### **Traction 📊**\n\nIn the last 30 days, companies used Grade to **pay out $380k+** to creators, up 120% MoM\n\n\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"
}
]
}
]