Y Combinator

Swadesh is a digital banking experience built from the ground up, specifically for the Indian diaspora. They make it delightful for its customers to invest, remit and manage their money in India from abroad.

Kapital SmartBank provides Mexican small and medium businesses and their employees with next generation mobile banking and financial services in smart banking. Its line of products include online loans directly through its website and money ready in client's account in seconds, online payroll systems to send paychecks to employees with one click, and accounts receivables accounting displayed in an easy-to-use and 100% secure web and mobile dashboard, so that its clients can see and have control of all their finances in one single place. Its loans, payroll cards for employees, and corporate expenses cards have the support of Visa® and Mastercard® international technology.

Mono is a digital bank designed specifically for startups and small to medium-sized businesses in Latin America, beginning its operations in Colombia. The company aims to empower these businesses by addressing key challenges they face in managing finances. Mono's platform enables users to open a digital checking account quickly, make online payments using a debit card, and integrate seamlessly with various software-as-a-service applications. This approach allows businesses to efficiently manage their expenses and streamline their financial operations, ultimately facilitating growth and enhancing financial control.

HUBUC is a banking as a service that offers businesses a quick, reliable, scalable, and easy way to provide financial services to their customers. Our vision is to enable any business to be to embed financial services in its product offering. Our customers go to market on average in 7-8 weeks with a live product with a bank account, European IBAN, Debit cards, 27 FX currency pairs, SEPA Direct debit, Instant Payments, Account Aggregation, Payment Initiation, and a full suite a branded digital banking products ready for launch.

Mono is a digital bank designed specifically for startups and small to medium-sized businesses in Latin America, beginning its operations in Colombia. The company aims to empower these businesses by addressing key challenges they face in managing finances. Mono's platform enables users to open a digital checking account quickly, make online payments using a debit card, and integrate seamlessly with various software-as-a-service applications. This approach allows businesses to efficiently manage their expenses and streamline their financial operations, ultimately facilitating growth and enhancing financial control.

Lemonade Finance is a digital bank for the African diaspora. We provide our users with accounts in their country of residence and country of origin for personal and business banking needs.

Lemonade Finance is a digital bank for the African diaspora. We provide our users with accounts in their country of residence and country of origin for personal and business banking needs.

Bree is building a challenger bank for the 11 million Canadians living paycheck to paycheck, starting with interest-free cash advances. We make money through tips and an optional, same-day express fee. By solving our customers' most urgent problem—illiquidity between paychecks —our cash advance business is a cheap, but profitable and repeatable hook that builds distribution for a broader challenger bank.

Chipax is a Chilean fintech company that provides a web platform designed to simplify accounting for small and medium-sized businesses (SMBs). The platform leverages an Enterprise Resource Planning (ERP) system to facilitate efficient business management. It offers real-time data collection from banks and tax authorities, enabling automated reporting on key financial aspects such as cash flow, income statements, and outstanding debts. Chipax enhances daily operations by providing essential tools for bank reconciliation, cash flow forecasting, and debt collection, making it easier for SMBs to maintain financial order and make informed decisions.

Levo helps you get better returns for your savings without changing banks.

Trii is a fintech company focused on democratizing access to the stock market in Colombia through its innovative trading application. By partnering with leading financial institutions, Trii has created a platform that allows individual investors to easily buy and sell shares directly from their mobile devices. The application significantly lowers the costs associated with retail transactions, making investing more accessible and efficient. It also enables users to automate their investment processes, which traditionally required considerable time and expense. Through these efforts, Trii aims to empower a broader range of individuals to participate in the financial markets.

Purpose is a financial services provider that focuses on aligning users' financial decisions with their personal values. Through its digital banking platform, it offers a range of financial tools and resources aimed at promoting responsible banking and helping individuals grow their personal wealth. Additionally, Purpose assists businesses in securing the necessary capital and partnerships to connect with audiences that share similar ethical values. By encouraging users to support ethical businesses and brands, Purpose aims to foster a sustainable economy where financial choices reflect individual and collective values.

Broad was founded in 2019 with the mission of providing Brazilians and Latin Americans access to the international financial market in a simple, practical and accessible way. We have built a multi-currency account and card that enables a life without borders. With technology, we eliminate fees and bring functionality and control to everyone's fingertips.

A virtual bank, money transfer and P2P lending beyond the borders on the blockchain. Helping 100 of millions of bank and unbanked people in Latin to get access to the banking and lending system and also make a quick profit while lending to the people in their neighborhood with trust. The first quick approved microloans without any documentation. A network builds by people for people.

Mono is a financial data infrastructure company based in Nigeria, founded in 2020. It develops an application programming interface (API) platform that enables digital businesses in Africa to access customers' financial and identity data. Mono's services include generating bank statements, verifying account details, initiating payments, and conducting credit checks. The company serves a diverse range of clients, including fintech firms such as Carbon, Flutterwave, Indicina, and Renmoney, as well as various developers. Through its innovative platform, Mono aims to enhance financial accessibility and streamline transactions for businesses across the continent.

Kredi is a mortgage loan marketplace focused on serving the Latin American market. The platform simplifies the borrowing process by allowing customers to complete a single loan application, which is then used to identify the most suitable mortgage options from a network of lenders. By leveraging a mathematical algorithm, Kredi connects users with financial institutions that are likely to approve their credit applications. This enables consumers to access financing for purchasing new or used homes and offers various loan modalities tailored to their individual needs.

Modern Treasury Corp. is a technology company that specializes in payment operations software designed to streamline and automate business payments. Founded in 2018 and based in San Francisco, California, the platform allows users to initiate, monitor, and reconcile payments seamlessly through an automated program interface (API). It covers the entire payment life cycle, including initiation, approval, processing, reconciliation, and accounting. By integrating bank statements with business logic, Modern Treasury provides clients with an enriched history of financial transactions, enabling finance teams to focus on critical business challenges rather than manual reconciliation. The platform serves various industries, including real estate, healthcare, financial services, and marketplaces, empowering organizations with real-time data access and customizable workflows.

Mono is a financial data infrastructure company based in Nigeria, founded in 2020. It develops an application programming interface (API) platform that enables digital businesses in Africa to access customers' financial and identity data. Mono's services include generating bank statements, verifying account details, initiating payments, and conducting credit checks. The company serves a diverse range of clients, including fintech firms such as Carbon, Flutterwave, Indicina, and Renmoney, as well as various developers. Through its innovative platform, Mono aims to enhance financial accessibility and streamline transactions for businesses across the continent.

HUBUC is a banking as a service that offers businesses a quick, reliable, scalable, and easy way to provide financial services to their customers. Our vision is to enable any business to be to embed financial services in its product offering. Our customers go to market on average in 7-8 weeks with a live product with a bank account, European IBAN, Debit cards, 27 FX currency pairs, SEPA Direct debit, Instant Payments, Account Aggregation, Payment Initiation, and a full suite a branded digital banking products ready for launch.

Maytana is a financial management platform that consolidates multiple business bank accounts into a single interface, allowing users to gain a comprehensive view of their finances. The platform streamlines the management of bank accounts, payments, transactions, and cash flow, facilitating tasks such as automated cash flow monitoring and international payments. It also supports the management of treasury data and hedging contracts. By providing a command center for financial oversight, Maytana enables users to programmatically make payments, manage administrative tasks, and run queries, ultimately simplifying the financial operations for businesses with diverse banking relationships.

Letter is a beautifully designed banking and financial platform made exclusively for high net-worth individuals. We make it easy to give customized debit cards to family members and staff, automatically donate to charity, and get access to exclusive investment and lending opportunities through our marketplace.

We are a software company that categorises and labels bank transaction data. If you think deciphering a transaction on your bank statement is hard for you, it’s way harder for your lender, personal finance manager, or neobank, so we offer an easy service to solve this problem.

A virtual bank, money transfer and P2P lending beyond the borders on the blockchain. Helping 100 of millions of bank and unbanked people in Latin to get access to the banking and lending system and also make a quick profit while lending to the people in their neighborhood with trust. The first quick approved microloans without any documentation. A network builds by people for people.

Wallets Africa helps Africans and African-owned businesses send money, receive money, make card payments, and access overdrafts.

Oxygen operates as a digital banking platform that uniquely caters to both personal and business banking needs, addressing the requirements of consumers, small businesses, and freelancers in the modern economy. In addition to its banking services, Oxygen Technical Services offers technology solutions that include computer and network designs, connectivity, website design, and e-commerce solutions. The company's commitment to cybersecurity emphasizes secure data storage, ensuring that backup and recovery processes comply with established standards. To maintain data resiliency, Oxygen implements comprehensive backup strategies and scheduled test restores, safeguarding data from servers, workstations, and various cloud platforms, including Microsoft 365.

Treasury Prime Inc. develops an application programming interface (API) banking platform that helps banks and fintechs to open and service online bank accounts. It offers Treasury Prime Treasury Prime for Banks that integrates with online banking, CRM, card issuing, payment gateways, and other legacy systems. The company also provides Treasury Prime for Fintechs to open and manage bank accounts, issue branded debit cards, transfer money by ACH and wires, and more. Treasury Prime Inc. was incorporated in 2017 and is based in San Francisco, California.

Belvo Technologies, Inc. is a financial technology company that has developed an open banking application programming interface (API) platform designed to facilitate access to banking and fiscal information. Founded in 2020 and based in Dover, Delaware, Belvo's platform enables businesses to retrieve various financial data, including bank account statements, historical transactions, account ownership details, and tax information. This developer-first API is aimed at enhancing the creation of more efficient and inclusive financial products in Latin America, streamlining the entire process from client registration to data retrieval.

Stark Bank develops a banking API that automates and simplifies banking operations, facilitate reconciliation, and scale companies. With Stark Bank, companies can scale their operations, allowing them to execute more transfers, payments, and charges. Stark Bank was founded in 2018 and is based in Sao Paulo, Brazil.

Swipe allows small businesses to access finance by providing them with credit using its business credit card to help cover payroll and expenses.

Sable Money, Inc. is a banking services provider based in New York, New York, established in 2019. The company addresses the challenges faced by individuals looking to build credit in the United States, particularly those who may not have a prior credit history. By partnering with a U.S. banking institution, Sable enables customers to send and receive domestic transfers seamlessly, allowing them to engage with major merchants as American customers. This service helps users establish a good credit score, which is crucial for their professional success in the U.S. Sable's innovative approach facilitates access to banking and credit-building opportunities for those who might otherwise struggle to enter the financial system.

Rebank Technologies Limited operates a digital business banking platform that combines all of a company’s bank accounts into a single view. The company provides an automation tool for business banking that works with any bank and/or multiple banks at once. The company was incorporated in 2015 and is based in London, United Kingdom.

Oxygen operates as a digital banking platform that uniquely caters to both personal and business banking needs, addressing the requirements of consumers, small businesses, and freelancers in the modern economy. In addition to its banking services, Oxygen Technical Services offers technology solutions that include computer and network designs, connectivity, website design, and e-commerce solutions. The company's commitment to cybersecurity emphasizes secure data storage, ensuring that backup and recovery processes comply with established standards. To maintain data resiliency, Oxygen implements comprehensive backup strategies and scheduled test restores, safeguarding data from servers, workstations, and various cloud platforms, including Microsoft 365.

Obie is a software platform developed by Creisoft, Inc. that connects commercial real estate brokers and investors, streamlining the transaction process within the industry. The platform offers a range of features, including the ability for brokers to create marketing materials, list properties on a public or private marketplace, and manage financial documents and analytics in real time. Investors benefit from access to property teasers and instant delivery of offering memorandums upon signing an electronic confidentiality agreement. Additionally, Obie includes tools for underwriting properties, supported by integrated financial modeling capabilities. The platform serves various asset classes, including office, industrial, retail, and multifamily properties. Founded in 2012 and based in Charlotte, North Carolina, Creisoft, Inc. utilizes advanced encryption and operates on certified secure servers to ensure data protection.

Obie is a software platform developed by Creisoft, Inc. that connects commercial real estate brokers and investors, streamlining the transaction process within the industry. The platform offers a range of features, including the ability for brokers to create marketing materials, list properties on a public or private marketplace, and manage financial documents and analytics in real time. Investors benefit from access to property teasers and instant delivery of offering memorandums upon signing an electronic confidentiality agreement. Additionally, Obie includes tools for underwriting properties, supported by integrated financial modeling capabilities. The platform serves various asset classes, including office, industrial, retail, and multifamily properties. Founded in 2012 and based in Charlotte, North Carolina, Creisoft, Inc. utilizes advanced encryption and operates on certified secure servers to ensure data protection.

Take control of your documents with Safely Deposit. Access digital storage in an online account. Archive paper documents in a safe deposit box with our bank partners. Manage everything online, on-demand.

Sable Money, Inc. is a banking services provider based in New York, New York, established in 2019. The company addresses the challenges faced by individuals looking to build credit in the United States, particularly those who may not have a prior credit history. By partnering with a U.S. banking institution, Sable enables customers to send and receive domestic transfers seamlessly, allowing them to engage with major merchants as American customers. This service helps users establish a good credit score, which is crucial for their professional success in the U.S. Sable's innovative approach facilitates access to banking and credit-building opportunities for those who might otherwise struggle to enter the financial system.

Wallets Africa helps Africans and African-owned businesses send money, receive money, make card payments, and access overdrafts.

They help you earn the best rate of return on the idle cash currently sitting in your bank account. The securities we buy are always held in your name, and you earn the global U.S Treasury market rate.

Oxygen operates as a digital banking platform that uniquely caters to both personal and business banking needs, addressing the requirements of consumers, small businesses, and freelancers in the modern economy. In addition to its banking services, Oxygen Technical Services offers technology solutions that include computer and network designs, connectivity, website design, and e-commerce solutions. The company's commitment to cybersecurity emphasizes secure data storage, ensuring that backup and recovery processes comply with established standards. To maintain data resiliency, Oxygen implements comprehensive backup strategies and scheduled test restores, safeguarding data from servers, workstations, and various cloud platforms, including Microsoft 365.

Modern Treasury Corp. is a technology company that specializes in payment operations software designed to streamline and automate business payments. Founded in 2018 and based in San Francisco, California, the platform allows users to initiate, monitor, and reconcile payments seamlessly through an automated program interface (API). It covers the entire payment life cycle, including initiation, approval, processing, reconciliation, and accounting. By integrating bank statements with business logic, Modern Treasury provides clients with an enriched history of financial transactions, enabling finance teams to focus on critical business challenges rather than manual reconciliation. The platform serves various industries, including real estate, healthcare, financial services, and marketplaces, empowering organizations with real-time data access and customizable workflows.

Treasury Prime Inc. develops an application programming interface (API) banking platform that helps banks and fintechs to open and service online bank accounts. It offers Treasury Prime Treasury Prime for Banks that integrates with online banking, CRM, card issuing, payment gateways, and other legacy systems. The company also provides Treasury Prime for Fintechs to open and manage bank accounts, issue branded debit cards, transfer money by ACH and wires, and more. Treasury Prime Inc. was incorporated in 2017 and is based in San Francisco, California.

Seed is simply a better way to bank. As a mobile first banking service designed with the small business in mind, Seed empowers small businesses with modern, easy-to-use digital tools and customer-support resources for starting, running, and growing a business. With Seed, business banking has never been easier.

bxblue is a marketplace for personal loans in Brazil explicitly targeting pensioners and Government workers because they can they take loans secured by their guaranteed income. Because of that banks can deduct the payment directly from the paycheck, leading to an apr 10x lower than credit cards. Payroll secured loans are the most affordable personal loan in Brazil, and they represent 60% of the personal loans in the country. It is a 40bn dollar/year marke, completely offline. We are taking this entire market online.

Prelim is a San Francisco-based company that operates an online platform designed for financial institutions, including banks and lenders, to facilitate digital interactions with their customers. The company offers a modern digital origination platform that automates traditionally paper-based processes, significantly enhancing efficiency. Prelim's services streamline the account opening process, allowing both new and existing customers to open accounts in minutes using any device. Additionally, Prelim provides white-labeled software solutions that empower financial institutions to deliver quick and user-friendly experiences across various financial products. This innovative approach aims to simplify the customer journey while ensuring accessibility and speed in financial transactions.

Sandbox Banking strives to provide personalized and cost-effective investment solutions. It is a universal adapter for banks and credit unions. It is designed to be the next generation of robo-advisor and to be used by industry professionals without programming expertise — anyone who is comfortable with Excel formulas can use the platform to build complex integrations. It empowers banks, credit unions, and vendors to quickly/securely integrate new software with legacy banking systems.

PatientBank lets you request medical records online—from any doctor or hospital.

Seed is simply a better way to bank. As a mobile first banking service designed with the small business in mind, Seed empowers small businesses with modern, easy-to-use digital tools and customer-support resources for starting, running, and growing a business. With Seed, business banking has never been easier.

Bankjoy is a fintech company based in Detroit that specializes in providing modern banking technology solutions for banks and credit unions. Founded in 2014, the company's offerings include mobile banking, online banking, e-statements, online account opening, and loan applications, as well as features like AI-powered voice banking. Bankjoy's platform enables users to perform essential banking tasks such as paying bills, depositing checks, and sending money. It also includes functionalities for check deposits, travel notifications, and blocking lost or stolen cards. By focusing on user experience and design, Bankjoy aims to deliver advanced features with simple navigation, allowing credit unions to effectively compete with larger financial institutions. The company is backed by Y Combinator, emphasizing its commitment to innovation in the banking sector.

Seed is simply a better way to bank. As a mobile first banking service designed with the small business in mind, Seed empowers small businesses with modern, easy-to-use digital tools and customer-support resources for starting, running, and growing a business. With Seed, business banking has never been easier.

Standard Treasury, a YC-backed company, is hoping to make it easier for businesses to deal with their banks through standard APIs that ease transfers and other transactions. The company says that integrating banking services for small businesses and startups is overly complicated. They can end up sending large files over FTP with specs that take up hundreds of pages.

Standard Treasury, a YC-backed company, is hoping to make it easier for businesses to deal with their banks through standard APIs that ease transfers and other transactions. The company says that integrating banking services for small businesses and startups is overly complicated. They can end up sending large files over FTP with specs that take up hundreds of pages.