Financial Technology and Services Startups funded by Y Combinator (YC) 2024

Founded in June of 2012, Coinbase is a digital currency wallet and platform where merchants and consumers can transact with new digital currencies like bitcoin, ethereum, and litecoin. Our vision is to bring more innovation, efficiency, and equality of opportunity to the world by building an open financial system. Our first step on that journey is making digital currency accessible and approachable for everyone. Two principles guide our efforts. First, be the most trusted company in our domain. Second, create user-focused products that are easier and more intuitive to use.

Brex is the AI-powered spend platform for modern companies, from startups to enterprises. Combining corporate cards, expense management, travel, business accounts, and bill pay, Brex makes it easy to control spend before it happens with unprecedented efficiency and accuracy. Our mission is to empower employees anywhere to make better financial decisions, so we designed our platform to make expenses almost effortless with unrivaled automation of manual expense work and real-time tracking. Brex supports more countries and currencies than any other spend solution. Brex has tens of thousands of customers, including some of the most successful, high-growth companies, such as DoorDash, SeatGeek, Coinbase, ScaleAI, MasterClass, Indeed, Allbirds, and Superhuman. Brex offers: - Corporate cards with 10-20x higher limits - Business accounts with easy wires, same-day liquidity, fast global payments, and $6M in FDIC insurance - Reward options that include billboards, offsites, and coaching - Founder-friendly financial modeling tools - Special events and masterclasses for founders - Advanced spend management software as startups grow that includes global capabilities, travel, bill pay and more.

Groww aims to empower people in India by making financial services simple, transparent and delightful. By leveraging technology, we build reliable and accessible financial services. Groww is India's largest stock broker (in terms of active NSE clients) and the largest distributor of mutual fund SIPs.

Newfront is transforming the delivery of risk management, employee experience, insurance, and retirement solutions by building the modern insurance platform. Transparent data delivered real-time translates into a lower total cost of risk and greater insights. Headquartered in San Francisco, Newfront has offices throughout the country and is home to more than 850 employees who serve clients across the United States and globally.

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. Over 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. Razorpay 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. Be 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. Over 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. Razorpay 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. All 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.

SmartAsset is an online destination for consumer-focused financial information and advice. Reaching approximately 59 million people each month (as of January 2024) through its educational content and personalized calculators and tools, SmartAsset's mission is to help people make smart financial decisions. Additionally, SmartAsset powers SmartAsset AMP, a national marketplace connecting consumers to financial advisors. Building on SmartAsset’s relationship with millions of investors, SmartAsset AMP connects financial advisors directly with prospects who meet their target client profile. Our algorithm matches consumers with up to three fiduciary financial advisors. In 2023, SmartAsset helped advisors close an estimated $34 billion.

Launched out of Y Combinator’s 2009 Summer batch, Stripe is a global technology company that builds economic infrastructure for the internet. Businesses of every size—from new startups to public companies—use our software to accept payments and manage their businesses online Stripe is a proud partner of YC companies—from Airbnb (S09) to Defog (W23)—to help them grow their businesses and increase the GDP of the internet.

Rocket Money (formerly Truebill) is a leading personal finance app that analyzes members' spending habits, identifies inefficiencies, and offers immediate methods to improve their financial health. It enables people to optimize their spending, manage subscriptions, lower their bills, and automatically set aside money to reach their savings goals. Truebill has saved members more than $100 million since 2016 and is headquartered in Silver Spring, Maryland, with offices in San Francisco. Truebill's mission is to empower people to live their best financial lives. Truebill offers members a unique understanding of their finances and a suite of valuable services that save them time and money - ultimately giving them a leg up on their financial journey. Truebill is backed by Accel, Bessemer Venture Partners, Eldridge Industries, and YCombinator.

Building extremely affordable financial infrastructure for Africa.

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.

SmartPath is a financial wellness company based in Atlanta, GA. We offer unique workplace financial wellness programs centered around 1-on-1 financial coaching. SmartPath wellness programs are designed to increase the bottom line for both employers and employees.

Replace your traditional ledgers with new digital Khatabook and Avail financial services like Lending for your business. Business owners can use the app to record credit (Jama) and debit (Udhar) transactions for their trusted customers. It is 100% Free, Safe, and Secure for all types of businesses to maintain their customers'​ accounts.

Infinia is enabling Fintechs, PSPs and Banks to connect to RTP rails both for payins and payouts globally. Ianai, the CEO, is the former Global VP of Partnerships at dLocal and grew the company from $0 to $100M ARR.

Issue employee cards, match properties to charges instantly, sync to your PMS and accounting platform, and close your books faster.

Patika helps small businesses in Africa to collect the 35% of their revenue that is not paid upfront. Typically, small businesses use pen and paper to track customer debts and phone calls to collect, but now they can use our smartphone application to automate this process. Our businesses, who used to lose 9% of their sales to non payment and had 16% paid late, now not only collect these customer debts 3x faster but have also getting paid 25% more. We aim to reach 50M small businesses in Africa - a $5B+ market. Sidney and Phelix, who met 10 years ago at a leadership program by Mastercard and Equity Bank, are technical founders with 5+ years experience working together to build payments platforms that processed $10M monthly GTV across Kenya, Uganda & Nigeria.

Axle is Plaid for insurance - a universal API for insurance data. With Axle, companies can instantly verify insurance and monitor ongoing coverage, helping them reduce operational cost while creating a frictionless experience for users. Axle is backed by leading investors including Y Combinator and Gradient Ventures, Google's AI-focused venture fund, and angels from industry leaders like Plaid and Cox Automotive.

VaultPay is a platform enabling financial institutions to transform local businesses into bank agents. Imagine a grocery store in a remote African mining region. Instead of miners traveling far to a bank to get their salary, with VaultPay, they can access their earnings and shop at the same store, boosting convenience for customers and cutting costs for banks.

Terrace is the best way to trade crypto. We're the degen platform for institutions and the institutional platform for degens. Terrace is a multi-wallet, non-custodial crypto trading terminal and broker. We offer best price routing, advanced order types, synthetic pairs, token screening, and portfolio management on 12 chains. You can use Terrace for DeFi-only (no-KYC) or get access to the world's top CEX, OTC, and MM via our KYC-ed platform. Think DeBank, 1inch/Matcha, DEX Screener, and more rolled into one.

Interacting with insurance across a variety of carriers should be undifferentiated heavy lifting - a piece of infrastructure like Stripe, Twilio, or AWS that "just works"in the background while your business focuses on what makes it different. We provide programmatic building blocks to make this a reality, putting a carrier-neutral API and tooling on top of insurance, starting with policy access (think Plaid, but for your insurance company) and monitoring. Our technology has a variety of use cases that range from insurance verification and tracking, financial advising, compliance & risk management, and marketing/distribution of insurance products.

Ledger Investing provides an exciting opportunity for asset managers, pension funds, hedge funds, family offices and other institutions interested in earning a great return through insurance investing. The company deploys proprietary software and data analytics covering many types of insurance risk portfolios. The technology enables insurers to securitize risk more efficiently while providing investors, asset managers, pension funds, hedge funds, family offices, and other institutions an opportunity to invest in a new and growing asset class. Ledger Investing was founded by Julien Brissonneau, Aymeric Rabot and Samir Shah in 2016.

Parker is a digital bank.

Monet provides Instant cash-advances to employees in Latin America. We are a mobile app available to any employee with a recurring income and a bank account.

Small shop owners earn daily unlike salaried people but when it comes to loan repayment both are asked to pay monthly. For these shop owners it is difficult to calculate how much to save daily so that they will have the required installment amount at the end of the month and also at the time of repayment they have a big hole in their working capital. Therefore, when you earn daily why not pay daily and get away from the stress of huge one-time installments. Every day a small amount of $X is deducted from your digital wallet which is on the auto-debit mandate and you don't need to worry about keeping your balance of $XXXX. You never default and also good credit scores are created.

[CoinTracker](https://www.cointracker.io) is a portfolio assistant for cryptocurrency. Used by over 1 million cryptocurrency holders with over $50 Billion in crypto assets on exchanges, it enables consumers and businesses to seamlessly track their cryptocurrency portfolio, investment performance, taxes, and more. Beyond cryptocurrency, we are building a general automated financial assistant for all financial assets.

Float is Pipe for supply chain finance. We help fast-growing consumer brands unlock capital from their inventory. We pay their supplier invoices up front and enable them to pay for their inventory after they’ve sold it.

marketfeed is an app that teaches people in India how to trade stocks.

Mercoa let’s B2B platforms offer BillPay and Accounts Payable services to their customers. Use our drop-in iframe, React Components, or API to offer your users one place to manage and pay all of their invoices.

Ajaib is an online brokerage that allows Indonesians to buy and sell stocks, ETFs and mutual funds. We are Indonesia's leading financial technology platform driven by a mission to educate the importance of investing for the future. Guided by the three principles; Everyone is an owner, a growth mindset, and a will to win, we aim to increase the number of financial inclusion within Indonesians through investment. Ajaib is committed to opening the door to access safe, trusted and affordable investment instruments. We transformed the way young generations invested when we first established in 2018. Today, Ajaib is the third-largest brokerage by the number of transactions in Indonesia, with over 1 million investors based on our platform and titled as the fastest-growing unicorn in South East Asia.

Flux is building the payment network for alternative payments, with a focus on bringing acceptance of all BNPL options to on-site merchants so they can max their client's buying power. Flux provides an instant-issuing and payment acceptance solution for consumer credit products, and a payment terminal for alternative credit (non-card) for retailers.

Kosh is a digital lending platform in India, empowering blue-collar workers with a unique joint liability model (much like microfinance but for a different segment). The social component of their underwriting helps control credit risk significantly and lower CAC/Opex in one go, making this 150mn-strong segment credit-worthy.

We are building Flux- Flux is a Mobile App for merchants, freelancers, regular users(P2P) to make and accept payments from their customers anywhere in the world using crypto or fiat. We have built a mobile app that uses the merchants’ phone number, creates a wallet enabling them to receive payments in crypto or fiat without having to go to an exchange or pay expensive fees. Merchants can accept payments in crypto or in fiat. Payments made in Crypto can easily convert into fiat due to the built in fast reconciliation and is made available for spending immediately. Currently the vast majority merchants receive payments in crypto because of two issues (1) Paypal, Venmo, CashApp or Square to not exist in Africa and (2) the local currency fluctuates more than bitcoin due to inflation. But in order for merchants to receive money in crypto and exchange it into fiat they resort to crypto exchange apps and crypto addresses to receive payments which is a very complicated and expensive process. Merchants want to be paid quickly with the lowest amount of fees possible. This is why we are building Flux

Koshex is building Wealthfront for India with data-driven insights around day to day finances for an individual to save more and invest well. We are automating wealth creation for 400 million Indian millennials with access to more than US$700bn of individual investable wealth.

At PINA, we are designing and building the future of personal finance with a mission to help everyone achieve financial freedom by providing products and advice that make complicated financial decisions simple and relevant. We seamlessly integrate money management and investing into one app to allow people to manage their finances holistically. Users can see their net worth, monthly cash flow and how their budget has changed over the past several months. All of this is automated and designed to help them achieve the savings goal which they have set . In addition to money management, we focus on making investing easy with pre-built portfolios and automatic rebalancing. When you sign up for an account, it offers the option to pick an expertly built portfolio, or you can choose to build your own.

Coinrule Catches the Next Market Opportunity on Your Behalf by Automating Your Investments. Coinrule's previous Crowdfunding Video: https://www.youtube.com/watch?v=nnYJ4PnSvnU

We are Gusto for Africa. Eazipay is a simple, 5-minute payroll payment solution for Africa. We have grown from 10 businesses in January to over 200 with over $5k MRR. Eazipay processes 8 payroll payment types (Taxes, Pension, Insurances, etc) with just one-click and with our own payment infrastructure. Eazipay Payroll APIs are also available for neobanks and commercial banks - to reach at least 50k businesses.

Hypercore is a loan management software for small lenders. We help lenders automate workflows and provide them with real-time analytics and KPIs on their portfolios. Since June we are running paid pilots ($3.5K MRR), 1 LOI ($1.5K MRR). The founding team met while serving together as officers in technological units in the Israeli Defence Forces. We then established together a software development company specialized in fintech projects such as e-wallets and open-banking projects. That’s where we discovered how archaic are the tools lenders use that are ready for disruption. Hypercore is building the tools for private lenders who currently do everything in Excel, culminating in a 'Nasdaq of private loan books' - utilizing the platform to securitize loan books.

Floatpays is an on-demand wage access platform that helps employees access, spend, save and manage their money. The problem we are solving is that more than 75% of the 12 million employed South African’s run out of money before the end of the month, 52% of those end up borrowing money to survive. Informal lending is the only option for most borrowers, with interest rates anywhere between 30-50%. The story is the same in most African countries where payday/micro-lending has become the norm amongst lower-income earners. Our app features include financial education, a budget planning tool, cash access, and voucher purchases all from wages earned but unpaid. We are currently working on a savings product to promote long-term financial resilience. We launched our product in South Africa in July 2020 and plan to extend our reach into additional African countries in 2022 and beyond.

Finley simplifies debt capital raise and management. Our software helps companies like Ramp, Arc and Parafin automate due diligence, ensure compliance, and streamline ongoing reporting with their capital providers. Our team brings experience from Goldman Sachs, Nova Credit, and Palantir Technologies, and is backed by Y Combinator and Bain Capital Ventures.

Keeper is delightfully smart tax software, especially for people with 1099 contracting & freelance income. Connect your bank to automatically uncover hidden tax breaks!

We're building the one-stop shop for creator finances. Your favorite digital creators—the ones you follow every day on YouTube, Instagram, TikTok or Twitch—aren’t just extraordinarily talented personalities and community builders. They’re also businesses. That means they have business needs—managing revenues, expenses, savings, credit, banking. We’re building products that help creators spend less time worrying about finances so they can focus on creating.

Magna is building a platform to turn DeFi investments into financial primitives. Our first product is Carta for Web3, where companies can manage their cap tables and distribute their token equity to employees, advisors, or investors. We’re also building investor infrastructure for institutions to custody investments with on-chain execution and intelligence. Our ultimate goal is to use locked tokens as composable building blocks to power collateralized lending, liquid secondary markets, and other DeFi applications. Launching a token? Let's chat. Are you receiving tokens from your investments? We can also be helpful. What are our companies saying about the problem? > Having it all bundled together would make life easier. We have a million things to do. If you have an off-the-shelf thing, we’d use it. > This wouldn’t be a nice to have, it’d be a have to have. > Terrible process. We’re manually sending out transactions, going to solscan and manually check that they received our token. Takes hours every week. > Everything we do is potentially very dangerous. We have to check it thoroughly. I’ve spent several hours a day on this since launch. I imagine every month, it’ll take us at least 1-2 days. > Manual process every month for the ops team. They likely burn a week.... every month to pay out 150+ addresses.

Pantore Pay is the solution for restaurants cash flow issues and allows restaurants to shop for supplies and pay any other bills using Pantore's credit line.

Moni finances small businesses in groups across Africa. The collective responsibility of the group serves as a collateral on the loan while the social pressure from the members ensures on-time repayment. There are over 44million SMBs in Africa.  
 We launched 7 months ago and we already have $72k MRR growing at 50% MoM. We achieved 99% repayment on 11,000 units of loans with over $5M disbursed. This is 15 times higher than most financial services in Africa. 
 Femi (CEO) worked previously with the World Bank with a focus on financial services while Dapo (CTO) led the development of the technology for one of the largest digital lending apps We are also backed by Y Combinator(W22), Magic Fund, Ventures Platform, Voltron Capital and more.

Grain is a mobile app that transforms the debit card you already have into a credit card by linking it to a line of credit based on your cash flow. For the millennials, Gen Zs, and immigrants who are afraid of falling into crippling credit card debt, there is now a distinct market opportunity to offer an alternative to how these 100M people access and manage credit.

Thndr is a platform that allows individuals to trade in MENA’s $650bn worth of stocks, bonds and funds commission free

Kanda is building Affirm for general contractors. We allow contractors to offer financing to homeowners who want to remodel but can’t pay the full price upfront.

We help fintech risk and AML compliance teams automate and strengthen routine customer due diligence tasks with LLMs. Our AI assistants slash cost-to-comply, improve risk detection and free up capacity for investigations that require human expertise and decision making. Fintechs and banks use us to automate workflows like running thorough due diligence on a legal entity, reviewing customer documents like registry extracts, proofs of address etc and remediating false positive alerts from their AML systems.

Ruby is a neobank that offers e-commerce businesses a flexible spend management solution and direct integrations with commerce platforms. By combining banking and commerce data, Ruby provides businesses with a real-time, unified view of their financial health and money movement, empowering them to make better financial decisions and scale their operations.

Tint makes it easy for tech platforms to embed insurance into their products. For example, when you go to Outdoorsy to rent an RV, the insurance that is sold with the rental is powered by our technology. Our product provides anything that is needed from underwriting software to access to insurers to compliance, in a simple API.

Dayra makes it easy for Egyptian businesses offer Loans and virtual bank accounts to their unbanked workers and customers through their App. For example, one of our customers an Egyptian trucking marketplace uses our API to give truck drivers an early advance on their earnings.

Trusted by multi-family offices and wealth managers, Mentum simplifies the process of connecting data from any onshore and offshore bank, broker-dealer, or custodian to any system. With our platform, wealth managers can effortlessly centralize all their clients' financial information, regardless of the source or format, and access insights powered by artificial intelligence.

Pigeon is a relationship based technology platform that facilitates the creation and management of loans between friends, family, loved ones, and anyone who trusts one another. By providing smarter ways for people to mix money with their relationships, Pigeon seeks to empower individuals to borrow and lend money with the people they trust.

Samos sells accidental death insurance for individuals undergoing surgery. Just like travel insurance but covering a hospital stay.

Users save money, get over 2x the national average in interest and weekly chances to win additional prizes up to $10 million through weekly random number drawings.

Eden Care is building a digital health insurer for employers in Africa. Today, health insurance operation costs in Africa are 2.2x the global average. Eden Care is cutting this by 43% making health insurance cheaper. The $11Bn African health insurance market is projected to grow to $72Bn in just 12 years. We are targeting 90 million uninsured African employees.

Tremendous is a payouts platform, enabling businesses to send money, prepaid cards, and gift cards to people around the world. Used by researchers at Google and MIT, marketers at Casper and Lyft, and institutions like United Way and the Federal Reserve Bank, Tremendous has orchestrated nearly 10 million payouts. Over 4,000 organizations agree: a Tremendous payout is almost as delightful to send as to receive.

Axoni is a New York-based technology firm that builds multi-party workflows and infrastructure for some of the largest financial institutions in the world. Founded in 2013, the company offers core data infrastructure, application development, and automation tools.

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. We’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.

Rainmaker is an account abstraction-based crypto wallet that makes DeFi investing simple and fast. Set up a wallet with just an email, instantly deposit funds from your bank or credit card, and invest in DeFi without gas fees.

Grey provides US, EU, and UK accounts for remote workers in emerging markets. For the first time, western companies feel comfortable recruiting skilled workers from anywhere and Grey is making it easy for these workers to receive their salary, save in foreign currency, convert to local currency and spend.

Cash management solution that offers debit & credit solutions for SMBs in LATAM. - 24/ Multi-treasury: multiple debit accounts, payroll & services payment, wires - Corporate Expenses: dashboard and prepaid cards to control your employee's budget & expenses - Credit Card: flexible global line where you can decide to use it as a revolving line or as a simple amortizable credit in installments.

Dapi is a developer platform designed for fintech and web3 companies. We build APIs for universal open banking, enabling seamless connections to any bank in the world, and provide seamless stablecoin on/off ramps. Dapi is dedicated to building the next generation of global financial infrastructure, empowering developers to easily connect to banks, move, and store money globally.

Vouch is business insurance for high-growth companies (from garage to IPO). In under 10 minutes, founders and finance teams can apply for coverage customized for their startup and industry vertical. Vouch offers 10+ lines of proprietary coverage, from General Liability, EPL, D&O, to Cyber policies. As the underwriter of these insurance policies, Vouch removes any hidden third party fees, and handles all of the paperwork from start to finish. Vouch is live in the US and works with thousands of start-ups, including hundreds of YC backed companies.

Lenco is a multi-currency digital bank for businesses in Africa. With Lenco, retail outlets, hospitality businesses and startups can easily pay vendors, suppliers and perform cross-border payment while having access to growth capital.

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 platform, one financial system of record, Store, search and encrypt your data, manage accounting and payments in one place.

Ziina is bringing the next generation of financial services to the Middle East.

Enabling merchants and consumers to offer flexibility at the point of sale

Creizer is Clearbanc (Clear.co) for LATAM. We provide revenue-based financing to online sellers. More than 80% of SMEs can’t have access to loans in LATAM, thus limiting their growth. They represent 99% of online sellers in the region. At Creizer we built a unique risk model in which the requirements for these online sellers are 100% accessible since the scoring is based on the store’s metrics and collections on a percentage of their daily sales. We are growing 65% MoM and experiencing overdemand every month. Helping our customers to grow up to 7x in less than a year.

Aspire is the all-in-one finance operating system for businesses. We help companies pay, manage, and earn smarter - by doing more than a bank, bookkeeper, or rewards program could ever do alone. Our mission is to empower the next generation of entrepreneurs with the financial tools they need to realise their company’s full potential. We believe that if we can empower business owners to be successful, they will go on to make a meaningful impact to the communities we are all part of.

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.

HQ in Namibia and Zambia, Jabu is a fintech startup providing digital wallet solutions to streamline transactions in Africa's cash-dominated economy, enhancing business efficiency and financial integration.

Gotrade enables anyone in the world to invest commission free in fractional US stocks.

Palla enables instant P2P payments from the US to other countries, a $65BN a year market. Sending and receiving remittances today is slow, time consuming and inconvenient for all parties, as it's a mostly cash based process. With Palla, senders in the US can do it in a few taps of their phone and receivers get their money in seconds.

Tranqui is a debt collection company that has revolutionized the industry with its digital-first approach. Utilizing cutting-edge analytics and machine learning, Tranqui offers a more efficient and effective debt collection experience for users. Our technology-driven approach enables us to analyze user data and behavior patterns to develop personalized communication and repayment plans. This ensures that our users receive a tailored experience that is optimized for their individual needs, resulting in a higher success rate for debt repayment. With Tranqui, users can manage their debt repayment on their own terms, from the comfort of their own homes, thanks to our convenient and flexible digital channels. Our approach not only improves the debt collection experience for users but also helps to improve their overall financial health. Choose Tranqui for a better debt collection experience, with 2x the effectiveness of traditional debt collection methods.

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. We also provide regulatory coverage and continuous compliance support to our partners.

Centauri AI is a modern ETL and Data Science platform for banks and investment firms, starting with Structured Finance. Financial firms heavily rely on Excel, PDF, and PPT files to exchange complex asset details, leading analysts to spend hours crunching the files and extracting insights. Moreover, these data files and reports cannot be easily reused due to poor data infrastructure. Powered by AI, our product cuts hours of data wrangling work down to minutes and makes it possible to query past data easily. This helps firms evaluate assets faster and win more deals. Since launching last month, we've started a pilot with a brokerage team at a public investment bank that now uses our product daily. Aiming to serve over 100,000 investment teams needing complex data analysis for alternative investments, this opens up a potential $5 billion market.

Fizz is the debit card for college students that helps build credit. There are no fees, no security deposits, no interest rates, and nothing to be afraid of. We want to be the financial ally of young adults, so we’re also building a network of personal finance resources to help students become financially free.

Owny provides businesses with a turn-key portal to issue Funds, SAFEs and Notes. Your portal is fully equipped to manage investors, treasury, multi-currency accounts and ability to send and request ACH/Wire payments globally. Optional features include seamless crypto custody and solutions through Coinbase Institutional.

Gauss allows people with good credit scores to significantly lower interest rates on their credit cards while they keep using them. Users connect their credit cards to the mobile app and get a revolving credit line in under 10 minutes. Gauss tracks and automatically pays off any expensive balance on connected cards, saving users thousands of dollars on interest charges and helping them pay off card balances faster and improve credit scores.

Take your business to the next level

Digiventures SaaS enables banks in Latin America to digitize their loan origination and account opening process. We are live with 30 clients (including 7 banks) in 9 countries.

RedCarpet issues credit cards to those that banks cannot see. Currently we are one of the largest issuers of credit lines to the new-to-credit customer in India. In a population base of 800 million people with bank accounts, there are less than 40 million credit cards. By building a fullstack SDK for card issuance, underwriting as well as holding capital & collection ops, we are looking to build the Capital One of India.

We are Square for Latin America and target 10M neighborhood corner stores. Merchants in México are underbanked and have little financial data, making it difficult to access traditional loans. We digitize Merchants with a Point of sale system. It allows them to run their business more efficiently and apply for loans based on their cash flow and inventory.

UpBanx is Brex for D2C brands and content creators in Indonesia. We help our customers open a high-yield business account, get financing, manage transactions, and launch Web3 projects, all in one place. There are over 700k D2C brands and content creators in Indonesia. If we serve all of them, that is a $14b/year market opportunity. We've raised $5.6m so far from investors like Y Combinator, Alpha JWC, Alto Partners, CreditEase, Oliver Jung and lndonesia's biggest influencer Raffi Ahmad who has over 100m followers on social. We have also raised from 6 other Y Combinator founders. We are open to working with more investors that can bring strategic value to our long-term roadmap.

EthosX is a decentralized finance platform creating end-to-end financial derivatives on blockchains. No centralized exchanges, clearinghouses, depositories, clearing banks, CSD participants etc. required. We are starting with cryptocurrency options first, with the intention to move towards other crypto derivatives and traditional finance derivatives eventually. For example, one can buy a bitcoin hedging token directly from EthosX without involving any exchange or counterparty and earn profits when the bitcoin price is falling (similar to a put option). It is perpetual and is completely on-chain, end-to-end. It is held as a token in wallets and can be sold/transferred to anyone at any time. At institutional level, using EthosX’s options infrastructure two hedge funds can trade high-value on-chain options with each other directly without involving any banks or brokers with zero counterparty risk and zero settlement risk. We are also providing derivatives infrastructure to other crypto companies who want to use these products as a part of a larger package to their customers. Global derivatives ecosystem is broken. Derivatives trading in traditional finance has way too many gatekeepers and intermediaries. Crypto was supposed to be free of these issues and a solution to all of this, but it is itself getting more and more centralized with disastrous consequences. We at EthosX intend to pick the best of both worlds and change the way retail and institutional financial derivatives are traded world over.

Prodigal is a pioneer of Consumer Finance Intelligence, a new category of AI software that derives actionable insights from customer and patient interactions. Lenders and healthcare providers rely on Prodigal to boost profits, customer experience, and compliance by optimizing operations and quality assurance in their loan servicing and collection contact centers.  Prodigal’s global team, whose backgrounds intersect at financial services and data science, is headquartered in Mountain View, California. Backed by technical and industry experts, Prodigal’s mission is to build the intelligence layer that powers Consumer Finance, becoming the next iconic vertical SaaS company. Nearly one in five U.S. borrowers have already engaged with Prodigal over more than 200 million interactions.

Striga is building infrastructure for digital assets and financial services as a single set of APIs doing the heavy lifting of security and regulatory compliance. Striga's customers include early stage FinTech's, Web3 innovators, Banking Institutions and Crypto Exchanges utilizing services spanning the range of Crypto Custody, Trading, Card Issuing and Banking. Building a crypto business today is a highly regulated space unlike a few years ago and maintaining a compliance program and building technology presents a huge barrier to entry for startups and mid-size businesses alike and the Striga platform solves the problem with a single set of APIs and a single contract to deliver services to 30 countries today.

Aer Compliance is Rippling for compliance, combining Code of Ethics, marketing, calendars, filings, workflows, and more in a single place.

Emigre is the fastest and the only end-to-end digital Indian banking solution for Indian expats (Non-Resident Indians) so they can support their families back home, shop on Indian websites, and invest in Indian stocks and real estate.

Yenmo offers a better way to access cash for India’s 65 million investors who either resort to personal loans at over 18% interest or have to liquidate their investments when in need of money. With Yenmo, they can pledge their investments digitally and instantly get a loan at a fixed 10.5% interest rate. Our Insight - In India, over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.

Jerry makes it really easy to save time and money on car expenses. The car ownership super app first launched its AI- and machine-learning-based car insurance compare-and-buy service in 2019. Today, Jerry serves more than 3 million customers as a licensed insurance broker and an authorized auto refinance provider, while also offering free telematics-based driver safety and repair estimator services. The fastest, easiest and only automated way to compare and buy car insurance, Jerry gives you customized quotes from more than 55 insurance carriers in 45 seconds. Customers skip all the long forms and unwanted human interaction while Jerry hunts for better rates and completes the transaction, saving more than $800 per year. In 2022, Jerry launched its auto refinancing marketplace, which can help customers lower their monthly car payments, on average, by $118 dollars. Jerry is scaling its car insurance and auto refinance products and expanding its marketplace into new categories, removing friction from additional car ownership needs. Jerry will be the only app car owners need to manage all their car expenses. Headquartered in Palo Alto, the company has offices in Toronto, and Lockport, NY, and has removed physical location from recruiting restraints to attract talent.

💸Hey YC, we’re baraka (S21), an investment app built for people in the Middle East. 📱 Our product This is how we do it: • 6,000+ stocks and ETFs – the freedom to choose the companies and industries that you want to back • The power of financial literacy – educational content, digestible market news and in-depth stock analysis • Fractional Shares – the ability to start investing with smaller sums of money • Fair pricing – Transparent, low commission pricing model • Easy to use – intuitive user journey and interface 🕒 What's Next? The app is available in countries across MENA. Check out our website: getbaraka.com. Please reach out to give us feedback, discuss product, go-to-market strategy or anything else on founders@getbaraka.com. Feras & Kunal

Airfordable is payment plans for airline tickets. The service allows users to secure tickets with a deposit upfront and pay the remaining balance in recurring payments before the departure date.

Purchase, manage, and sell US Treasury Bills seamlessly. Get direct access to government-backed treasury bills along with the flexibility of selling anytime.

Cashmere is a multisig solana wallet for enterprises to manage their digital assets. Instead of running their business from one person’s wallet, startups can use our wallet to securely manage their funds.

Volopay is a modern spend management platform that saves companies time and money by giving visibility & control to every aspect of business spending. With Volopay, finance and accounting teams can control expense requests and approvals, make bill payments (domestic/cross-border), manage company cards, and reconcile all accounting on one platform. Volopay completely eliminates the need for expense reports and reimbursements while giving everyone in the company a card to use. We worked in an offshore dev centre in the past and it took 2 months to get our reimbursements and 4 weeks to make any purchase as there was just one corporate card for the entire company and clunky bill payments solutions offered by the banks. Among our customers are Reddoorz (OYO of South East Asia), Dathena (biggest data security co in Singapore) and Beam (APAC’s leading micro-mobility player).