Y Combinator Fintech companies
Payments, lending, banking infrastructure and financial tooling. Consistently one of YC's largest categories, and one where the wedge is usually a specific regulated workflow rather than a broad product.
747 companies matched in the directory.
Showing the first 200 of 747. Search the full directory to filter further.
- KitaYC Winter 2026· San Francisco, CA, USA· 3 people
Underwrite borrowers around the world in minutes
- Q2QYC Winter 2026· San Francisco, CA, USA· 2 people
We help private equity teams find acquisition targets faster
- RapidfolioYC Summer 2026· San Francisco, CA, USA
AI-native back-office for banks and fintechs
- ProximittyYC Winter 2026· San Francisco, CA, USA· 2 people
AI operating system for commercial loans
- End CloseYC Winter 2026· Remote· 2 people
AI powered reconciliation for high-volume payments companies
- Fenrock AIYC Winter 2026· San Francisco, CA, USA· 2 people
AI agents for banks
- CorelayerYC Winter 2026· San Francisco, CA, USA· 3 people
AI production engineer for regulated industries
- GradeYC Winter 2026· San Francisco, CA, USA· 2 people
API for performance-based payroll
- HedgeYC Spring 2026· San Francisco, CA, USA· 2 people
AI-Native insurance company
- MultiplierYC Spring 2026· New York City, NY, USA· 3 people
Agent harnesses for asset managers
- KinroYC Spring 2026· San Francisco, CA, USA· 6 people
Autonomous insurance brokerage for small businesses
- RuntimeYC Spring 2026· San Francisco, CA, USA· 7 people
The AI agent harness for payment teams
- Uno WalletYC Spring 2026· San Francisco, CA, USA· 2 people
The AI mobile wallet that replaces Apple Pay
- Hickory & CompanyYC Fall 2026· Salt Lake City, UT, USA· 3 people
Hickory offers agentic compliance and BSA for banks and fintechs
- ShieldedYC Summer 2026· San Francisco, CA, USA· 0 people
We help Fortune 500 companies hedge their supply chain risk
- LyonYC Fall 2026· San Francisco, CA, USA· 2 people
Foundation models on enterprise transaction data.
- AudunYC Summer 2026· Oslo, Oslo, Norway· 5 people
AI-native debt collection company
- StoaYC Summer 2026· San Francisco, CA, USA· 3 people
The market behind AI hardware.
- DefiniteYC Fall 2026· San Francisco, CA, USA· 3 people
Build everyday back-office agents on one live model of your books
- VelthaYC Fall 2026· San Francisco, CA, USA· 2 people
AI native TPA starting with workers comp
- ArbitalYC Summer 2026· San Francisco, CA, USA· 3 people
The social trading app for stocks, memes, and perps
- DentaYC Summer 2026· San Francisco, CA, USA· 1 people
Fortune 500 Dental Benefits for Startups
- Financial DatasetsYC Summer 2026· New York City, NY, USA· 1 people
Connect your agents to the stock market
- Luca IQYC Summer 2026· San Francisco, CA, USA· 5 people
API-first tax engine for CPA firms and developers
- PacificYC Summer 2026· San Francisco, CA, USA· 6 people
Mass-producing and financing micro data center incredibly quickly.
- Last Accounting CompanyYC Summer 2026· Helsinki, Finland· 4 people
AI-native accounting firm.
- AgentcardYC Summer 2026· San Francisco, CA, USA· 0 people
cards for AI agents
- PennantYC Summer 2026· New York City, NY, USA· 2 people
The World Model for Corporate Governance
- TovenAIYC Summer 2026· San Francisco, CA, USA· 2 people
AI agents for compliance at institutional trading firms
- PRINCEPSYC Summer 2026· London, England, United Kingdom· 2 people
AI-native insurance company for the compute economy
- FlorinYC Summer 2026· San Francisco, CA, USA· 3 people
Florin is an AI-native insurance company that runs autonomously
- SpaceFlow Technologies, Inc.YC Summer 2026· San Francisco, CA, USA· 4 people
AI-native procurement services for the physical economy
- Grep AIYC Fall 2026· San Francisco, CA, USA· 6 people
Self-improving agents that automate tedious operational work
- CautionYC Summer 2026· George Town, George Town, Cayman Islands· 5 people
Hosting platform for software you can't afford to have hacked
- ForwardYC Fall 2026· San Francisco, CA, USA· 4 people
Unifying Global Private Credit
- OasiveYC Fall 2026· San Francisco, CA, USA· 1 people
Helping bond investors find what's rich or cheap, and why
- Volaren Inc.YC Fall 2026· New York City, NY, USA· 4 people
Turning Ideas into Trades. Volaren puts the hedge fund in the hands…
- DecentYC Fall 2026· San Francisco, CA, USA· 2 people
Your health plan should get better year-round. Not just once a year.
- SintropixYC Fall 2026· Santiago, Santiago Metropolitan Region, Chile· 2 people
Autonomous accounting platform for global companies
- AxiomYC Winter 2025· Austin, TX, USA· 2 people
Trade memecoins, perpetuals, and earn yield.
- KarooYC Winter 2025· Toronto, ON, Canada· 3 people
AI native consumer lending platform for underserved Americans
- RallyYC Winter 2025· Berlin, Berlin, Germany· 5 people
Financial OS for Modern Fleets
- CardamonYC Winter 2025· London, England, United Kingdom· 11 people
AI compliance co-pilot for regulated financial businesses
- FinbarYC Winter 2025· London, England, United Kingdom· 4 people
Financial intelligence for every investor
- Liquid ComputeYC Winter 2025· New York City, NY, USA· 5 people
Pending CFTC regulation to be the first cash and physically settled…
- KarsaYC Winter 2025· New York City, NY, USA· 2 people
Stablecoin neobank for emerging markets
- HarperYC Winter 2025· San Francisco, CA, USA· 25 people
AI-native commercial insurance brokerage
- MeshYC Winter 2025· San Francisco, CA, USA· 3 people
Eliminating accrual spreadsheets for faster month-end
- BluebookYC Winter 2025· Stockholm, Stockholm County, Sweden· 4 people
AI for accounting
- BlindPayYC Winter 2025· San Francisco, CA, USA· 9 people
Stablecoin API for global payments
- QFEXYC Spring 2025· London, England, United Kingdom· 14 people
24/7 Global Stock Exchange
- ChestnutYC Spring 2025· San Francisco, CA, USA· 2 people
The first AI mortgage lender
- RaloYC Spring 2025· New York City, NY, USA· 2 people
AI-Native Mortgage Broker
- throxyYC Spring 2025· London, England, United Kingdom· 55 people
Vertical AI agents running B2B outbound on autopilot, with human SDRs
- IRBCYC Spring 2025· New York City, NY, USA· 3 people
AI-native financial institution for global businesses + agents.
- Eloquent AIYC Spring 2025· San Francisco, CA, USA· 5 people
The AI Operator for Financial Services
- AstorYC Summer 2025· San Francisco, CA, USA· 5 people
AI advisor for retail investors
- ConvictionYC Summer 2025· San Francisco, CA, USA· 3 people
Anyone Can Trade
- FintoYC Summer 2025· Munich, BY, Germany· 10 people
AI accounting for enterprise finance teams
- ProcIndexYC Summer 2025· San Francisco, CA, USA· 4 people
AI-powered accounting automation for construction and manufacturing
- Socratix AIYC Summer 2025· San Francisco, CA, USA· 5 people
AI coworkers for fraud and compliance teams.
- Avelis HealthYC Summer 2025· New York City, NY, USA· 3 people
We audit medical claims for self-insured employers and health plans.
- CLODOYC Summer 2025· San Francisco, CA, USA· 2 people
Planet-scale people discovery.
- MunifyYC Summer 2025· Orlando, FL, USA· 4 people
The Cross-Border Neobank for the Middle East
- VeritusYC Summer 2025· San Francisco, CA, USA· 10 people
AI agents for the consumer lending industry
- RuvoYC Summer 2025· São Paulo, SP, Brazil· 11 people
The Global Dollar App for Brazil
- Veria LabsYC Fall 2025· San Francisco, CA, USA· 3 people
Continuous AI pentesting that finds and fixes vulnerabilities
- ClerkedYC Fall 2025· San Francisco, CA, USA· 3 people
AI clerks that automate your payables
- SelfinYC Fall 2025· San Francisco, CA, USA· 2 people
Institutional liquidity across prediction markets
- ZalosYC Fall 2025· London, England, United Kingdom· 10 people
Hire Zalos AI workers to run your finance department
- SavaYC Fall 2025· New York City, NY, USA· 7 people
Building the future of trusts
- Freeport MarketsYC Fall 2025· New York City, NY, USA· 3 people
Trade Anything
- YenmoYC Winter 2024· Bengaluru, KA, India· 5 people
Secured consumer lending in India
- QuaryYC Winter 2024· London, England, United Kingdom· 2 people
The first in-browser analytics engineering platform
- ROEYC Winter 2024· San Francisco, CA, USA· 9 people
AI for risk and compliance
- SuretyNowYC Winter 2024· Austin, TX, USA· 4 people
The Modern Surety Bond Platform
- GreenboardYC Winter 2024· New York City, NY, USA· 35 people
Modern OS for the financial back office.
- MonumintYC Winter 2024· San Francisco, CA, USA· 5 people
Conversational AI purpose-built for financial services
- CentralYC Summer 2024· San Francisco, CA, USA· 15 people
Payroll, benefits, state compliance & other bullsh*t for startups
- ConsulYC Winter 2024· New York City, NY, USA· 2 people
The Stablecoin Payouts Platform
- InfinityYC Winter 2024· Bengaluru, KA, India· 15 people
Business banking for cross-border SMBs & Startups
- FuseYC Summer 2024· London, England, United Kingdom· 3 people
AI-powered workflow automation for US healthcare providers.
- SalvyYC Winter 2024· Curitiba, PR, Brazil· 27 people
Mobile carrier for businesses in Brazil
- ShibolethYC Winter 2024· San Francisco, CA, USA· 5 people
Shiboleth automates lending compliance for financial institutions…
- OffDealYC Winter 2024· New York City, NY, USA· 15 people
AI-native investment bank for small businesses
- ClarumYC Winter 2024· San Francisco, CA, USA· 2 people
AI agents for private market diligence, monitoring, and reporting
- ProSightsYC Winter 2024· New York City, NY, USA· 14 people
ProSights is a data / AI transformation partner to PE-backed portcos.
- ClevaYC Winter 2024· San Francisco, CA, USA· 30 people
Global neobank for emerging markets
- TriplyYC Winter 2024· Nairobi, Nairobi County, Kenya· 18 people
Operating system for travel businesses in Africa with embedded finance
- RoveYC Winter 2024· New York City, NY, USA· 4 people
Travel the world for free.
- MidenYC Winter 2024· Rotherham, England, United Kingdom· 19 people
Card issuer processor and banking stack for businesses in Sub-…
- RyseYC Winter 2024· New York City, NY, USA· 13 people
The secondary market for real estate leases
- PolarYC Winter 2024· San Francisco, CA, USA· 2 people
The smarter way to manage USD earnings globally
- The New Money CompanyYC Winter 2024· San Francisco, CA, USA· 4 people
Invoicing that pays you even if your buyer doesn’t
- BayeslineYC Summer 2024· New York City, NY, USA· 3 people
Highly customizable and blazingly fast analytics for asset managers.
- Corgi InsuranceYC Summer 2024· San Francisco, CA, USA· 250 people
Corgi is building an AI financial infrastructure company
- LucibleYC Summer 2024· New York City, NY, USA· 2 people
Combined checking and investment account
- TaxGPTYC Summer 2024· San Francisco, CA, USA· 45 people
AI tax assistant for professionals and businesses
- FazeshiftYC Summer 2024· San Francisco, CA, USA· 8 people
AI agent for Accounts Receivable
- SaturnYC Summer 2024· London, England, United Kingdom· 18 people
Compliance and back office workflows for Wealth Managers.
- FINNY AIYC Summer 2024· New York City, NY, USA· 35 people
The organic growth engine for financial advisors
- PaasaYC Summer 2024· Gurugram, HR, India· 9 people
Invest in Global Equities from India
- FinosuYC Summer 2024· New York City, NY, USA· 7 people
AI Native Consumer Loan Servicer
- RescriptYC Summer 2024· Washington, DC, USA· 2 people
AI for Legal & Public Policy Teams
- ThymeYC Summer 2024· San Francisco, CA, USA· 2 people
The OS for financial advisors
- KontigoYC Summer 2024· San Francisco, CA, USA· 10 people
USDC-Smart Neobank for Latinos.
- Assembly HOAYC Summer 2024· San Francisco, CA, USA· 12 people
AI-native HOA Management Company
- MoretaYC Summer 2024· San Francisco, CA, USA· 4 people
Payments made easy for international travelers.
- TradeFlowYC Summer 2024· New York City, NY, USA· 2 people
AI-powered settlement for financial securities
- RentFlowYC Summer 2024· Miami, FL, USA· 3 people
The AI infrastructure for cash-flow-aligned business rent
- BlazeYC Summer 2024· Remote· 5 people
Agentic Finance for your Life and Business
- ElayneYC Summer 2024· New York City, NY, USA· 8 people
Estate settlement, from verified discovery to distribution
- Formula InsightYC Summer 2024· New York City, NY, USA· 2 people
Help Institutional Investors manage, track & query their Excel models
- Village LabsYC Summer 2024· New York City, NY, USA· 2 people
Helping America's businesses become employee owned
- Arva AIYC Summer 2024· New York City, NY, USA· 20 people
AI for critical banking operations
- SyntraYC Summer 2024· San Francisco, CA, USA· 10 people
Faster healthcare payments
- RiskCubeYC Fall 2024· San Francisco, CA, USA· 3 people
The new American reinsurance company.
- SphinxYC Fall 2024· San Francisco, CA, USA· 14 people
AI Compliance Analysts for Banks & Fintechs
- SunsetYC Fall 2024· Salt Lake City, UT, USA· 5 people
Find and move money after a death
- LaminateYC Winter 2023· New York City, NY, USA
- OneTextYC Winter 2023· San Francisco, CA, USA· 6 people
Frictionless payments via SMS
- StructYC Winter 2023· Remote· 3 people
Multi-lingual AI Voice Agents
- PaperplaneYC Winter 2023· New York City, NY, USA· 5 people
Credit risk management platform for builders' merchants
- ConcourseYC Winter 2023· New York City, NY, USA· 15 people
The AI Agent platform for finance
- BackdropYC Winter 2023· Seattle, WA, USA· 2 people
Building your AI coworkers for any team, workflow, or industry.
- NumeralYC Winter 2023· San Francisco, CA, USA· 130 people
The AI-native sales tax solution.
- MercoaYC Winter 2023· San Francisco, CA, USA· 1 people
AI Agent for Billpay platforms to pay invoices with virtual cards
- SalientYC Winter 2023· San Francisco, CA, USA· 40 people
AI Servicing for Auto Lenders
- DatagladeYC Winter 2023· New York City, NY, USA· 2 people
The smart way to research stocks.
- TrigoYC Winter 2023· New York City, NY, USA· 4 people
Rent verification API for landlords and lenders
- BujetiYC Winter 2023· Paris, Île-de-France, France· 35 people
The Finance Control Centre for African Businesses
- ChartYC Winter 2023· San Francisco, CA, USA· 3 people
Realtime Access to Verified Tax Records
- CobblestoneYC Winter 2023· New York City, NY, USA· 3 people
Delinquency reduction and automation software for institutional…
- BluedotYC Winter 2023· San Francisco, CA, USA· 15 people
Bluedot is a single payment platform for EV drivers and fleets.
- TruewindYC Winter 2023· San Francisco, CA, USA· 30 people
AI-Powered Accounting
- ClickPeYC Winter 2023· Surat, GJ, India· 2 people
Finance on a Click
- KoyweYC Winter 2023· Miami, FL, USA· 7 people
Crypto On and Off Ramp for Latam
- InfiniaYC Winter 2023· Montevideo, Montevideo Department, Uruguay· 28 people
Move money programmatically - built for developers
- AlaanYC Winter 2023· Dubai, Dubai, United Arab Emirates· 250 people
Ai-native finance platform for the Middle East
- Rally TaxYC Winter 2023· San Francisco, CA, USA· 5 people
AI-native tax platform to save $1T+ for Americans
- Shekel MobilityYC Winter 2023· Lagos, LA, Nigeria· 18 people
B2B marketplace for Auto Dealers in Africa
- MilioYC Winter 2023· Bogotá, Bogota, Colombia· 16 people
B2B-2C real-time account to account payments
- inBuildYC Winter 2023· Wilmington, DE, USA· 12 people
Workflow Automation for Construction Finance
- PeebaYC Winter 2023· Jakarta, Jakarta, Indonesia· 30 people
Risk-free wholesale for retailers across Southeast Asia
- InvopopYC Winter 2023· Madrid, Community of Madrid, Spain· 7 people
We help global software companies comply with local tax reporting
- WazaYC Winter 2023· Lagos, LA, Nigeria· 28 people
B2B payments platform for emerging markets.
- MaxiYC Winter 2023· New York City, NY, USA· 2 people
AI Agent for your personal finances
- LittioYC Winter 2023· Bogotá, Bogota, Colombia· 37 people
Dollar banking for people in Latin America
- WallbitYC Winter 2023· Buenos Aires, CABA, Argentina· 17 people
Neobank for global remote workers
- BenchmarkYC Winter 2023· New York City, NY, USA· 7 people
Decision infrastructure for investment firms
- VerataYC Winter 2023· San Francisco, CA, USA· 2 people
Network Intelligence for Investors
- PierYC Winter 2023· San Francisco, CA, USA· 4 people
Stripe for Credit - Trusted Credit Compliance Partner
- MetalYC Winter 2023· New York City, NY, USA· 17 people
The AI context platform for private capital. Everything your firm…
- TheyaYC Winter 2023· San Francisco, CA, USA· 3 people
The world's simplest Bitcoin self-custody solution
- AccendYC Summer 2023· Remote· 18 people
AI agents for commercial underwriting at banks and fintechs
- DiligentYC Summer 2023· London, England, United Kingdom· 10 people
AI agents for fintech risk and compliance operations
- PointhoundYC Summer 2023· Remote· 5 people
Earn and redeem credit card points for free flights
- CascaYC Summer 2023· San Francisco, CA, USA· 40 people
Make Banking Magical
- Capi MoneyYC Summer 2023· London, England, United Kingdom· 40 people
Helping businesses in emerging markets make pay their international…
- AlgunaYC Summer 2023· London, England, United Kingdom· 10 people
AI-Native CPQ & Billing for Modern Pricing Models
- CampfireYC Summer 2023· San Francisco, CA, USA· 105 people
The AI Native ERP for the fastest growing companies.
- Bretton AIYC Summer 2023· San Francisco, CA, USA· 34 people
AI-native operations for the banks
- AgentCollectYC Summer 2023· San Francisco, CA, USA· 42 people
B2B debt collection powered by AI agents
- AglideYC Summer 2023· London, England, United Kingdom· 6 people
Connect every disconnected app to your SSO.
- Kobalt LabsYC Summer 2023· New York City, NY, USA· 12 people
AI-powered risk and compliance for financial institutions
- VaultPayYC Summer 2023· Kinshasa, Kinshasa, Democratic Republic of the Congo· 2 people
Digital banking platform for the 30 million smartphone users in DRC.
- SafetyKitYC Summer 2023· San Francisco, CA, USA· 10 people
AI agents for risk, compliance, and safety
- EnvelopeYC Summer 2023· San Francisco, CA, USA· 3 people
Budgeting app with built-in banking
- FragmentYC Summer 2023· Remote· 2 people
Turn manual operations into scalable processes
- SantéYC Summer 2023· New York City, NY, USA· 20 people
All-in-one POS for liquor stores
- CedalioYC Summer 2023· San Francisco, CA, USA· 6 people
AI agents that automate AP, procurement, and finance
- Eden CareYC Summer 2023· Nairobi, Nairobi County, Kenya· 28 people
Claims infrastructure for African health insurance
- TraydYC Summer 2023· New York City, NY, USA· 34 people
A construction payroll and compliance platform built for specialty…
- diliYC Summer 2023· New York City, NY, USA· 15 people
Automating Compliance for Construction
- RoameYC Summer 2023· San Francisco, CA, USA· 3 people
Flight search engine using credit card points and miles
- CheqUPIYC Summer 2023· Bengaluru, KA, India· 15 people
India's first UPI wallet for foreign nationals and NRIs
- AffinityYC Summer 2023· New York City, NY, USA· 2 people
A compliance training platform built for regulated industries.
- CobaYC Summer 2023· Monterrey, N.L., Mexico· 9 people
Dual Currency Accounts For LatAm
- FlexYC Summer 2023· Remote· 8 people
Stripe for HSA/FSA payments
- ApolloYC Winter 2022· Bengaluru, KA, India· 11 people
Payments & Loyalty Infrastructure
- ArcYC Winter 2022· San Francisco, CA, USA· 30 people
Banking & Funding for Startups
- Elevate (formerly Bloom)YC Winter 2022· Dubai, Dubai, United Arab Emirates· 7 people
US based USD accounts for non-US residents
- Compra RápidaYC Winter 2022· São Paulo, SP, Brazil· 21 people
One-click checkout and AI sales assistant for LatAm.
- Remedial HealthYC Winter 2022· Lagos, LA, Nigeria· 300 people
B2B E-commerce & Fintech platform for Pharmacies & Hospitals in Africa
- Kapital BankYC Winter 2022· Mexico City, CDMX, Mexico· 3600 people
Empowering businesses to grow.
- RailbirdYC Winter 2022· New York City, NY, USA· 8 people
A futures market for events.
- RebillYC Winter 2022· Buenos Aires, CABA, Argentina· 11 people
Financial infrastructure for the Americas
- TrébolYC Winter 2022· Bogotá, Bogota, Colombia· 14 people
Your back-office, on autopilot
- PeakfloYC Winter 2022· Singapore, Singapore· 45 people
Agentic workflows that automate your back‑office operations
- Samos InsuranceYC Winter 2022· Kitchener, ON, Canada· 6 people
Accidental Death Insurance for Surgery
- WingbackYC Winter 2022· San Francisco, CA, USA· 12 people
Wingback provides tools and APIs for SaaS pricing and packaging.
- VantedgeAIYC Winter 2022· Norwalk, CT, USA· 11 people
FundOS — AI operations for fund managers
- MomentoYC Winter 2022· Mexico City, CDMX, Mexico· 18 people
Building a full-stack auto insurer for the underserved in LatAm
- WagetapYC Winter 2022· Sydney, NSW, Australia· 10 people
Advance next payday, and BNPL for bills
- ProperYC Winter 2022· San Francisco, CA, USA· 10 people
Reconciliation and financial operations platform
- TransfezYC Winter 2022· Jakarta, Jakarta, Indonesia· 50 people
Brex for small businesses in Indonesia
- InferEdgeYC Winter 2022· MH, India· 20 people
Agentic AI for buy-side firms
- Onyx PrivateYC Winter 2022· Miami, FL, USA· 10 people
A modern and more accessible private bank for the new generation
- AsporaYC Winter 2022· London, England, United Kingdom· 85 people
Single account to manage money across the world
- CastiaYC Winter 2022· Bogotá, Bogota, Colombia· 50 people
Built Rewards for Latam. Pay Rent and get benefits.