Y Combinator

Y Combinator is a startup accelerator based in Mountain View, California, founded in 2005. It has pioneered a new funding model for early-stage startups by investing a modest amount of capital, typically around $150,000, in a large number of companies twice a year. Over a three-month program, Y Combinator collaborates closely with these startups to prepare them for investor pitches and enhance their business strategies. Each funding cycle concludes with Demo Day, where startups present to an exclusive audience of investors. Y Combinator focuses on various sectors, including business software, education, healthcare, and financial technology, among others. In addition to initial funding, it offers ongoing support through its extensive alumni network. Since its inception, Y Combinator has funded over 630 startups, contributing significantly to the entrepreneurial ecosystem in Silicon Valley and beyond.

Gustaf Alstromer

Group Partner

Matt Bogrand

Associate, YC Continuity Fund

Timothy Brady

Partner

Craig R. Cannon

Director of Marketing

Adora Cheung

Partner

Nic Dardenne

Principal

Aaron Epstein

Group Partner

Brad Flora

Group Partner

Jared Friedman

Managing Director, Software and Group Partner

Aaron Harris

Partner

Carolynn Levy

Partner

Bradford (Brad) Lightcap

Associate, YC Continuity

Kat Manalac

Managing Partner

Eric Migicovsky

Partner

Kirsty Nathoo

Partner

Verena Prescher

Director of Finance

Geoff Ralston

president

Ali Rowghani

Managing Partner

Arnav Sahu

Principal

Michael Seibel

Managing Director

Harj Taggar

Partner

Past deals in Cards

Fuell

Series A in 2022
Fuell Technologies, S.L. is a Madrid-based company that specializes in issuing corporate credit cards and providing expense management software for businesses. Founded in 2019, Fuell's platform integrates a corporate card with expense management tools, allowing companies to manage spending in real-time and set budgets without the need for traditional expense reports. The service includes features such as automatic budget updates, credit increases as businesses grow, and cashbacks on various expenditures, including rideshare, fuel, dining, and recruitment services. This innovative approach aims to streamline financial management, offering businesses greater control over their expenses and enhancing operational efficiency.

Karbon

Seed Round in 2021
Karbon Card is a financial platform based in Bengaluru, India, that caters to the needs of Indian start-ups by providing corporate credit cards. Founded in 2019, it also offers an expense management software tool that allows users to track and analyze company expenditures over time. Additionally, Karbon Card operates a VC Connect platform, which assists businesses in raising funds. Through these services, the company aims to simplify financial management for entrepreneurs and enhance their fundraising capabilities.

Apollo

Pre Seed Round in 2021
Apollo is a debit card that rewards users with stock with every swipe of the card. Users can earn guaranteed fractional shares and a chance to win big with a full share of their favorite stocks.

Fizz

Pre Seed Round in 2021
Fizz is developing a debit card application designed specifically for college students in the U.S. The service aims to help these students build their credit profiles while avoiding the pitfalls of excessive credit use. By offering features that promote responsible financial habits, Fizz empowers students to achieve financial independence and improve their credit scores. The application also includes a cash-back reward system that encourages spending within a budget, making it a practical tool for young adults navigating their financial futures. Through this innovative approach, Fizz seeks to provide students with safer avenues to establish and enhance their creditworthiness.

Union54

Pre Seed Round in 2021
Union54 is a debit card issuing API designed for fintech companies and corporates, enabling them to issue debit cards to their customers without relying on traditional banks or credit card processors. The company provides essential services such as BIN sponsorship, transaction processing, and settlement, streamlining the card issuance process. In addition to its card issuing capabilities, Union54 also offers secure messaging and payment systems aimed at both civilian and government use. Its software includes an integrated wallet and an API for developing secure chat applications, allowing clients to create applications that facilitate secure communication and transactions. This dual focus on payment solutions and secure messaging positions Union54 as a versatile player in the financial technology landscape.

Bits

Seed Round in 2020
Bits, developed by Fea Card Limited, is an application designed to assist users in building their credit scores. The service includes a digital credit card that operates on a fixed-fee model, allowing users to make monthly payments that are reported to credit agencies. This approach aims to enhance users' credit profiles over time. In addition to credit-building services, Bits also offers a range of gift cards and top-up cards available for purchase online. Incorporated in 2018, the company is headquartered in London, United Kingdom.

Letter

Seed Round in 2020
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.

Spenmo

Pre Seed Round in 2020
Spenmo is a platform to help businesses manage spending by tracking company cards, automate invoice payments, and digital ledgers across transactions.

Karat Financial

Seed Round in 2020
Karat Financial Technologies, Inc. is a company based in the United States that specializes in developing financial solutions tailored for online creators and influencers. Its primary product is the Karat credit card, designed specifically to meet the unique financial needs of individuals in the creator economy. By offering a credit card that caters to this demographic, Karat aims to provide accessible financial resources that support the growth and sustainability of creators' careers.

Wallets Africa

Seed Round in 2020
Wallets Africa helps Africans and African-owned businesses send money, receive money, make card payments, and access overdrafts.

Quickcard

Seed Round in 2020
Quickcard improves conversion by sharing sales decks, one-pagers, or demos in a tracked and personalized way.

Karat Financial

Seed Round in 2020
Karat Financial Technologies, Inc. is a company based in the United States that specializes in developing financial solutions tailored for online creators and influencers. Its primary product is the Karat credit card, designed specifically to meet the unique financial needs of individuals in the creator economy. By offering a credit card that caters to this demographic, Karat aims to provide accessible financial resources that support the growth and sustainability of creators' careers.

Float

Seed Round in 2020
Swipe allows small businesses to access finance by providing them with credit using its business credit card to help cover payroll and expenses.

Battlecard

Pre Seed Round in 2020
Battlecard operates as a platform that enables businesses to organize and document their sales playbooks. It simulates customer voices for fast and straightforward training and can also automate the roleplaying process for effective training.

Circles India

Grant in 2020
Circles is a social payments platform that lets users discover and share credit cards, settle debts, and track payments within trusted circles of friends and family.

Windwalk

Seed Round in 2019
Windwalk Games Corp. is a game development studio based in San Francisco, California, focused on creating competitive online games for the discord generation. Established in 2018, the company specializes in developing multiplayer games that blend hidden roles gameplay with real-time combat mechanics. Their flagship title, Enemy On Board, features six crew members aboard the spaceship Andromeda, where two players assume the roles of aliens disguised as humans. This game not only emphasizes strategic social interaction but also requires players to engage in fast-paced action, fostering an immersive and competitive gaming experience.

Wallets Africa

Seed Round in 2019
Wallets Africa helps Africans and African-owned businesses send money, receive money, make card payments, and access overdrafts.

Mage App

Seed Round in 2019
Mage App Inc. operates an online marketplace tailored for the buying and selling of collectible magic cards, specifically for the popular trading card game Magic: The Gathering. Founded in 2019 and based in San Francisco, the company offers a platform that scans, recognizes, authenticates, and prices magic cards, facilitating their listing for sale. Users can bid on cards within the marketplace, with options to either store their cards in the company's warehouse or receive them directly. The average customer spends approximately $120 per month on Magic cards, highlighting the platform's engagement within the trading card community.

Windwalk

Pre Seed Round in 2019
Windwalk Games Corp. is a game development studio based in San Francisco, California, focused on creating competitive online games for the discord generation. Established in 2018, the company specializes in developing multiplayer games that blend hidden roles gameplay with real-time combat mechanics. Their flagship title, Enemy On Board, features six crew members aboard the spaceship Andromeda, where two players assume the roles of aliens disguised as humans. This game not only emphasizes strategic social interaction but also requires players to engage in fast-paced action, fostering an immersive and competitive gaming experience.

Gamelynx

Venture Round in 2018
Gamelynx Inc. develops digital gaming platform that allows users to play board games or cards without using physical items. The company is based in Waterloo, Canada.

Gamelynx

Seed Round in 2017
Gamelynx Inc. develops digital gaming platform that allows users to play board games or cards without using physical items. The company is based in Waterloo, Canada.

Final

Seed Round in 2015
Final, Inc. is a fintech company based in Oakland, California, founded in 2014. It focuses on enhancing consumer protection against fraud and theft through its innovative credit card and mobile application. The service allows users to generate multiple credit card numbers, including disposable ones for single-use purchases, thus providing a secure way to engage with various merchants. Users gain insights into their transactions and spending habits while minimizing the risks associated with account breaches and card cancellations. Final aims to empower consumers by offering greater control over their financial interactions, effectively reducing the potential for financial fraud. The company has received venture backing and participated in the Y Combinator accelerator program in 2015.

Coin

Series A in 2014
Coin is a San Francisco-based company that specializes in providing a smart payment device designed to consolidate multiple payment cards into a single, convenient format. Its flagship product, Coin 2.0, is an electronic device that stores various card information, including debit, credit, gift, loyalty, and membership cards, allowing users to make purchases using magnetic stripe or NFC tap-to-pay technology. Coin also offers a Developer Program in collaboration with major payment networks, enabling manufacturers of wearable devices, such as fitness trackers and smartwatches, to integrate secure payment capabilities. Founded in 2012, Coin focuses on delivering a user-friendly and secure payment solution that enhances the payment experience through innovative technology.

Celery

Seed Round in 2014
Celery is the easiest way to accept credit cards now and charge when you’re ready. Celery's founding team previously built e-commerce and mobile experiences for LinkedIn, Groupon, and Foursquare. Celery believes that every maker has the potential to turn a dream into a business. Pre-orders play a crucial role in funding those innovations and the future depends on the creation of these innovative companies.

Jerpix Games

Seed Round in 2013
Jerpix is a startup game company focused on deep strategy digital games, particularly collectible card games (CCGs). It was founded in 2013 by Jeff Pickhardt, a CCG enthusiast and engineer. Previously, Jeff's worked at Google, Optimizely (a fast growing internet startup), and Stanford University.

Coin

Seed Round in 2013
Coin is a San Francisco-based company that specializes in providing a smart payment device designed to consolidate multiple payment cards into a single, convenient format. Its flagship product, Coin 2.0, is an electronic device that stores various card information, including debit, credit, gift, loyalty, and membership cards, allowing users to make purchases using magnetic stripe or NFC tap-to-pay technology. Coin also offers a Developer Program in collaboration with major payment networks, enabling manufacturers of wearable devices, such as fitness trackers and smartwatches, to integrate secure payment capabilities. Founded in 2012, Coin focuses on delivering a user-friendly and secure payment solution that enhances the payment experience through innovative technology.

HiMom

Seed Round in 2012
HiMom - Stay in touch with your parents. Share precious moments in digital- and physical postcards. Apparently CLOSED.

SlidePay

Seed Round in 2012
SlidePay, previously known as Cube, provides a streamlined API that enables applications to accept in-person credit card payments efficiently. The integration process is designed to be quick, allowing developers to implement it in hours rather than weeks. This service is compatible with various platforms and devices, making it accessible for a wide range of applications. By focusing on simplicity and speed, SlidePay aims to enhance the payment processing experience for developers and businesses alike.

CleverDeck

Seed Round in 2012
CleverDeck is a customizable-spaced repetition flashcard application for learning foreign language vocabulary. It contains more than three thousand useful words along with images, native speaker audio, and example sentences.

Origami Labs

Debt Financing in 2011
Origami Labs operates a mobile platform focused on cashless payments, aiming to innovate the future of money, payment, and commerce. Established in 2012, Origami Pay has expanded its services nationwide, enabling transactions at convenience stores, international fast food chains, taxis, department stores, and various retail outlets. Additionally, Origami offers families a private and customizable website that facilitates the sharing of daily updates and cherished memories through photos, videos, and quotes. This dual approach positions Origami Labs at the intersection of financial technology and personal connection, catering to both commercial and familial needs.

SwipeGood

Venture Round in 2011
SwipeGood allows users to enroll their credit or debit cards and automatically round up every purchase to the nearest dollar for charity. By aggregating your credit and debit card transactions, rounding up each purchase to the nearest dollar, and distributing the difference to your favorite charities, SwipeGood enables you to do a small amount of good every time you swipe your card.

Cardpool

Seed Round in 2009
Cardpool, Inc. operates a gift card exchange marketplace that allows customers to buy, sell, and trade pre-owned gift cards. Founded in 2009 and based in San Francisco, California, the company connects gift card holders globally, enabling them to purchase discounted gift cards or sell their cards for cash. Customers can acquire gift cards at discounts of up to 30% off their face value and sell their cards for up to 90% of their original value. Cardpool also offers the option to trade gift cards for Amazon.com Gift Cards or donate them to charity. The platform is designed to be user-friendly, providing free shipping for transactions, a 100-day return policy, and a commitment to only selling gift cards that do not expire and have no associated monthly fees.