Y Combinator

Dapi Ltd is a fintech company that specializes in developing application programming interfaces (APIs) to facilitate payments between consumer bank accounts and businesses. Founded in 2019 and headquartered in Abu Dhabi, the company provides a suite of open banking APIs designed to connect customer bank accounts, initiate payments, and access financial data in real-time. Dapi acts as an intermediary between financial applications and banks, enabling developers to create solutions such as digital wallets, budget trackers, and investment applications. Its services allow fintech companies to initiate payments through banks and offer financial services based on customer bank statement data. Dapi operates in multiple countries, including the United States, Saudi Arabia, Egypt, Pakistan, South Africa, and Kuwait, and has demonstrated significant demand for its offerings, achieving substantial growth in annual recurring revenue.

Finch develops a software that helps users to access payroll and HR systems. Its software allows admins to connect their company in a compliant and secure manner to applications; integrates across providers enabling developers to access a previously closed system and are at the source of truth for employee data and money flow; and powers use cases across lending, insurance, benefits, FP and A, and HR applications. The company was founded in 2020 and is based in Mountain View, California.

Finary is a digital wealth management platform based in Europe that enables individuals to track and manage their financial assets effectively. The platform caters to the mass affluent, offering tailored services for personal finance, real estate, cryptocurrencies, insurance, and various securities. Finary provides users with a comprehensive overview of their asset allocation, allowing them to monitor and analyze their investments. This functionality is designed to empower users to make informed decisions and optimize their financial strategies, ultimately enhancing their wealth management experience.

Infina is an investment platform that engages in real estate and financial services.

Lendflow provides tools to allow software companies to launch great business credit products. We provide a lending widget and API to best-in-class lending infrastructure that software companies can quickly integrate into their website or app so their business users can apply for, receive and monitor business financing.

Lendflow provides tools to allow software companies to launch great business credit products. We provide a lending widget and API to best-in-class lending infrastructure that software companies can quickly integrate into their website or app so their business users can apply for, receive and monitor business financing.

Level is a fintech financing platform that buys loans from fintech startups helping them gain access to capital to scale faster.

Levro is a new cross-border fintech platform for international companies. Work with customers, pay suppliers and hold any currency of your choice.

Fingo is a fintech startup providing digital banking services for youth. services include current accounts, money transfers, bill payments, etc., it features link-based payments, saving goals, and real-time transactions.

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.

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.

Finantier operates an open finance platform that delivers essential infrastructure and data products for businesses in Southeast Asia. Founded in 2020 and based in Jakarta Selatan, Indonesia, the company enables institutions to access and enrich datasets from various financial sources, including banks and financial companies. Its platform facilitates services such as account integration, income and identity verification, and recurring payment management. By utilizing application programming interfaces (APIs), Finantier allows businesses to build advanced financial services that integrate consumer data from personal bank accounts, card details, loans, and mortgages. The company aims to position itself as a central player in the region's digital economy.

Finary is a digital wealth management platform based in Europe that enables individuals to track and manage their financial assets effectively. The platform caters to the mass affluent, offering tailored services for personal finance, real estate, cryptocurrencies, insurance, and various securities. Finary provides users with a comprehensive overview of their asset allocation, allowing them to monitor and analyze their investments. This functionality is designed to empower users to make informed decisions and optimize their financial strategies, ultimately enhancing their wealth management experience.

Finary is a digital wealth management platform based in Europe that enables individuals to track and manage their financial assets effectively. The platform caters to the mass affluent, offering tailored services for personal finance, real estate, cryptocurrencies, insurance, and various securities. Finary provides users with a comprehensive overview of their asset allocation, allowing them to monitor and analyze their investments. This functionality is designed to empower users to make informed decisions and optimize their financial strategies, ultimately enhancing their wealth management experience.

Weav is a fintech infrastructure company.

Lendflow provides tools to allow software companies to launch great business credit products. We provide a lending widget and API to best-in-class lending infrastructure that software companies can quickly integrate into their website or app so their business users can apply for, receive and monitor business financing.

Octifi provides innovative and collective digital credit services including installment payment services. They use modern technology to reimagine the checkout experience and make it easy for businesses of all sizes to offer responsible credit to their customers.

NowPay, Inc. is a fintech company based in Cairo, Egypt, founded in 2018. It operates an online platform designed to enhance the financial wellness of corporate employees. The platform offers personal finance management services, allowing users to track savings, spending, budgeting, and borrowing. Additionally, NowPay provides a mobile application that offers detailed insights into employees' salaries, balances, and eligible loan amounts. The company partners with employers to facilitate advance salary payments, enabling employees to access their earnings at any time during the month without incurring liabilities, and to repay these advances over multiple months.

Finantier operates an open finance platform that delivers essential infrastructure and data products for businesses in Southeast Asia. Founded in 2020 and based in Jakarta Selatan, Indonesia, the company enables institutions to access and enrich datasets from various financial sources, including banks and financial companies. Its platform facilitates services such as account integration, income and identity verification, and recurring payment management. By utilizing application programming interfaces (APIs), Finantier allows businesses to build advanced financial services that integrate consumer data from personal bank accounts, card details, loans, and mortgages. The company aims to position itself as a central player in the region's digital economy.

Finch develops a software that helps users to access payroll and HR systems. Its software allows admins to connect their company in a compliant and secure manner to applications; integrates across providers enabling developers to access a previously closed system and are at the source of truth for employee data and money flow; and powers use cases across lending, insurance, benefits, FP and A, and HR applications. The company was founded in 2020 and is based in Mountain View, California.

Lendtable Inc. is a financial services company founded in 2020 and headquartered in San Francisco, California. It specializes in providing cash advances and wealth-building loans to income-constrained individuals, specifically aimed at enhancing their retirement savings through employer-matched 401(k) accounts. Lendtable offers clients the necessary funds to secure their employer match, which they repay through service fees. The company's mission is to help individuals supplement their monthly income and improve their financial stability, thereby promoting long-term wealth accumulation.

Finch develops a software that helps users to access payroll and HR systems. Its software allows admins to connect their company in a compliant and secure manner to applications; integrates across providers enabling developers to access a previously closed system and are at the source of truth for employee data and money flow; and powers use cases across lending, insurance, benefits, FP and A, and HR applications. The company was founded in 2020 and is based in Mountain View, California.

ChatPay Tecnologia LTDA, established in 2020 and headquartered in Nova Lima, Brazil, develops a mobile application designed to facilitate financial transactions through social media platforms, particularly WhatsApp. The application features a custom sales page and dashboard, enabling users to perform banking services directly within their chat interfaces. Additionally, ChatPay is creating a platform that allows individuals to establish exclusive WhatsApp chat channels, offering tools for administrators to manage memberships and monetize their channels. This innovative approach aims to integrate e-commerce and social interaction, providing a seamless experience for users seeking to access financial services via familiar social media environments.

Finmark Financial Group specializes in developing financial planning and modeling software tailored for startups. Founded in 2020 and based in Raleigh, North Carolina, the company offers a platform that simplifies the management of financial metrics, enabling businesses to efficiently handle their runway, hiring, and cash flow. By transforming complex financial concepts into an easy-to-use interface, Finmark allows companies to update, inspect, and share their financial data seamlessly. The software serves a wide range of businesses, from pre-revenue to pre-IPO, helping teams align on financial goals, enhance collaboration, and optimize resources.

Vennfi is a financial technology company for tax-exempt payments.

Dapi Ltd is a fintech company that specializes in developing application programming interfaces (APIs) to facilitate payments between consumer bank accounts and businesses. Founded in 2019 and headquartered in Abu Dhabi, the company provides a suite of open banking APIs designed to connect customer bank accounts, initiate payments, and access financial data in real-time. Dapi acts as an intermediary between financial applications and banks, enabling developers to create solutions such as digital wallets, budget trackers, and investment applications. Its services allow fintech companies to initiate payments through banks and offer financial services based on customer bank statement data. Dapi operates in multiple countries, including the United States, Saudi Arabia, Egypt, Pakistan, South Africa, and Kuwait, and has demonstrated significant demand for its offerings, achieving substantial growth in annual recurring revenue.

Decentro Tech Private Limited operates an API banking platform that allows users to select specific modules, experiment in a sandbox environment, and launch products with minimal coding effort. Founded in 2020 and headquartered in Singapore, with an office in Bangalore, India, Decentro streamlines the product development cycle by integrating various banking APIs, facilitating seamless financial integrations. The platform is designed to handle ongoing maintenance, including fixes and updates, ensuring uninterrupted service for its clients.

Fazz Financial is a digital financial services group.

Lendtable Inc. is a financial services company founded in 2020 and headquartered in San Francisco, California. It specializes in providing cash advances and wealth-building loans to income-constrained individuals, specifically aimed at enhancing their retirement savings through employer-matched 401(k) accounts. Lendtable offers clients the necessary funds to secure their employer match, which they repay through service fees. The company's mission is to help individuals supplement their monthly income and improve their financial stability, thereby promoting long-term wealth accumulation.

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.

Grain Technology, Inc. is a financial technology company based in Oakland, California, established in 2017. The company has developed a mobile application that offers a revolving line of credit linked to users' existing debit cards, utilizing their income and cash flow data. This innovative platform serves as an alternative to traditional credit cards, allowing individuals and businesses to access credit without the need for a separate card. By focusing on responsible lending practices, Grain aims to provide a solution that helps users manage their finances effectively while minimizing the risk of accumulating unnecessary debt.

Weav is a fintech infrastructure company.

ZeFi develops a neobanking platform that provides a permission less financial ecosystem without a central authority. The platform provides high yield US dollars denominated savings account to convert deposits to fiat cryptocurrency, which is linked to the US dollar, and thereafter lends it out to low-risk borrowers at a higher interest rate, allowing users to interact and earn more with their crypto assets.

Jenfi Pte Ltd is a financial technology company based in Singapore that specializes in providing revenue-based financing to small and medium-sized enterprises in Asia. Founded in 2019, Jenfi focuses on assisting digitally-enabled businesses, including e-commerce ventures and high-growth startups, by offering funds to enhance their sales velocity. The company enables these businesses to finance their marketing efforts, inventory needs, and growth initiatives, thereby supporting their development and expansion in a competitive market.

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.

FlowFacto is a fintech company that offers digital services and transformation for small and medium-sized enterprises. Through their online platform, exporters can access revolving pre-shipment financing. This financing is used to cover the cost of export order fulfillment including the purchase of goods and raw materials, payment for warehousing, and transportation of goods. FlowFacto built an automated cloud-based workflow platform to manage our financing process and a proprietary machine-learning risk algorithm that uses alternative data to create predictive models and risk performance and financial scores for lending, significantly reducing the time and requirements needed to access capital.

Fazz Financial is a digital financial services group.

Fintual is a digital investment platform that caters to young professionals looking to make informed investment decisions. The company offers financial advisory services that leverage artificial intelligence to assess clients' risk profiles. Based on this analysis, Fintual provides personalized investment recommendations, helping users to navigate the complexities of investing. The platform aims to empower clients with fundamental financial knowledge, enabling them to manage and grow their investments online effectively.

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.

Betterfin, Inc. develops financial management tool for business owners to access financial products, capital markets data, and manage financial information. It offers spending patterns tracking, business monitoring, data security, loan and automated cashflow information, and automated reports. The company was incorporated in 2016 and is based in Brooklyn, New York.

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.

Fazz Financial is a digital financial services group.

Fellow is creating a new way to finance working capital.They're making it possible for the best technology companies to focus on growth,recover CAC and not worry about operating expenses.

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.

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.