XYZ Venture Capital

XYZ Venture Capital is an early-stage venture capital firm based in San Francisco that backs startups in fintech, insurtech, and related technology sectors, including financial services, information technology, big data, the Internet of Things, mobile and software as a service. Founded in 2017, the firm focuses on supporting companies at the intersection of financial services and technology.

Mac Bohannon

Investor

Art Clarke

Partner

JeanClaude Dorsainvil

Analyst

Chauncey Hamilton

Partner

Past deals in Personal Finance

Chapter

Series D in 2025
Chapter operates a Medicare navigation platform that provides advisory services to help seniors select health coverage. The service presents comprehensive plan comparisons, enrollment assistance, and ongoing support, tailoring recommendations to individual needs, cost considerations, and coverage preferences. The platform is designed to align incentives between Medicare advisors and consumers by delivering independent guidance that is not influenced by economic relationships. Through digital tools and personalized guidance, Chapter enables older adults to navigate Medicare options efficiently, supporting informed decision-making and long-term healthcare security.

Chapter

Series C in 2024
Chapter operates a Medicare navigation platform that provides advisory services to help seniors select health coverage. The service presents comprehensive plan comparisons, enrollment assistance, and ongoing support, tailoring recommendations to individual needs, cost considerations, and coverage preferences. The platform is designed to align incentives between Medicare advisors and consumers by delivering independent guidance that is not influenced by economic relationships. Through digital tools and personalized guidance, Chapter enables older adults to navigate Medicare options efficiently, supporting informed decision-making and long-term healthcare security.

Wagestream

Series C in 2022
Wagestream Ltd., founded in 2018 and headquartered in London, United Kingdom, develops a financial services application designed to enhance employee benefits and financial well-being. The platform allows employees to access their earned wages instantly, providing them with greater control over their pay schedules. This innovation aims to alleviate financial stress related to unexpected expenses by eliminating the need for advances, loans, and the burdens of high-interest credit or payday loans. Additionally, Wagestream offers various financial tools that help businesses support their employees in managing expenses, setting savings goals, and developing financial plans. By addressing these financial challenges, Wagestream seeks to reduce the poverty premium and prevent employees from falling into cycles of debt.

Earnipay

Seed Round in 2022
Earnipay is a business payment software company that facilitates instant access to earned salaries for employees, allowing them to receive a portion of their daily earnings without altering existing payroll processes. By partnering with employers, Earnipay integrates with payroll systems to offer employees a seamless way to access their wages as needed. In addition to salary disbursement, the platform provides financial education and personal finance management tools aimed at enhancing employees' financial well-being. Through its services, Earnipay seeks to improve the overall financial health of the workforce, benefiting both employees and employers.

Compound

Series B in 2022
Compound Financial, Inc. specializes in wealth management services for startup employees, assisting them in understanding the implications of their stock options. Founded in 2019 and based in San Francisco, the company offers tools that help clients forecast the potential value of their equity over time while also addressing optimization strategies related to taxes. Despite being a relatively new entrant in the market, Compound has quickly garnered a customer base of 200 startup employees, reflecting its growing relevance in the financial services sector.

Chapter

Series B in 2022
Chapter operates a Medicare navigation platform that provides advisory services to help seniors select health coverage. The service presents comprehensive plan comparisons, enrollment assistance, and ongoing support, tailoring recommendations to individual needs, cost considerations, and coverage preferences. The platform is designed to align incentives between Medicare advisors and consumers by delivering independent guidance that is not influenced by economic relationships. Through digital tools and personalized guidance, Chapter enables older adults to navigate Medicare options efficiently, supporting informed decision-making and long-term healthcare security.

Refyne

Series B in 2022
Refyne is a company that provides an earned wage access platform designed to enhance employee financial well-being by allowing access to real-time earned salaries before payday. By partnering with organizations, Refyne aims to promote financial literacy and resilience among employees, which contributes to a more productive and stress-free work environment. The platform serves both salaried employees and contractors, enabling them to track and withdraw portions of their earned wages as needed. This approach helps eliminate reliance on exploitative payday loans and high-interest credit options, fostering a more favorable work culture and encouraging employee retention through financial empowerment.

Plannery

Seed Round in 2021
Plannery is a financial wellness platform dedicated to supporting healthcare professionals' financial journeys. It offers services such as debt consolidation and automatic payments, along with resources to improve credit scores and plan for future savings.

Chapter

Series A in 2021
Chapter operates a Medicare navigation platform that provides advisory services to help seniors select health coverage. The service presents comprehensive plan comparisons, enrollment assistance, and ongoing support, tailoring recommendations to individual needs, cost considerations, and coverage preferences. The platform is designed to align incentives between Medicare advisors and consumers by delivering independent guidance that is not influenced by economic relationships. Through digital tools and personalized guidance, Chapter enables older adults to navigate Medicare options efficiently, supporting informed decision-making and long-term healthcare security.

Honest

Series A in 2021
Honest develops innovative financial products, notably a credit card application that offers no annual fee, low interest rates on purchases, balance transfers, and rewards points. Its platform aims to help customers build credit history and improve their overall financial health.

Refyne

Series A in 2021
Refyne is a company that provides an earned wage access platform designed to enhance employee financial well-being by allowing access to real-time earned salaries before payday. By partnering with organizations, Refyne aims to promote financial literacy and resilience among employees, which contributes to a more productive and stress-free work environment. The platform serves both salaried employees and contractors, enabling them to track and withdraw portions of their earned wages as needed. This approach helps eliminate reliance on exploitative payday loans and high-interest credit options, fostering a more favorable work culture and encouraging employee retention through financial empowerment.

minu

Series A in 2021
minu is revolutionizing the financial health of Mexican employees, offering them access to their already worked salary when they need it, instead of having to wait for payroll. The company works with HR divisions of companies that offer the provision of minu to improve satisfaction, retention, and attraction of talent. minu is supported by FinTech's leading institutional investors globally, including QED.

Refyne

Seed Round in 2020
Refyne is a company that provides an earned wage access platform designed to enhance employee financial well-being by allowing access to real-time earned salaries before payday. By partnering with organizations, Refyne aims to promote financial literacy and resilience among employees, which contributes to a more productive and stress-free work environment. The platform serves both salaried employees and contractors, enabling them to track and withdraw portions of their earned wages as needed. This approach helps eliminate reliance on exploitative payday loans and high-interest credit options, fostering a more favorable work culture and encouraging employee retention through financial empowerment.

Stir Money

Seed Round in 2020
Founded in 2019 and headquartered in San Francisco, Stir Money is a technology company that provides a platform for digital creators. This platform enables creators to manage their various revenue streams, organize analytics, and collaborate with others by sharing funds.

SimplyWise

Seed Round in 2019
Founded in 2018, SimplyWise is a technology company based in New York. It develops platforms that empower users to manage and make informed decisions about their retirement income.
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