Financial Technology and Services Startups funded by Y Combinator (YC) 2026

Building extremely affordable financial infrastructure for Africa.

Groww aims to empower people in India by making financial services simple, transparent and delightful. By leveraging technology, we build reliable and accessible financial services. Groww is India's largest stock broker (in terms of active NSE clients) and the largest distributor of mutual fund SIPs.

Newfront is building the modern insurance brokerage. Transparent data delivered real-time translates into a lower total cost of risk and greater insights. We work with 20% of US unicorns, 100s of YC startups, and 150+ public companies on their Business Insurance and Total Rewards. Headquartered in San Francisco, Newfront has more than 800 colleagues and offices throughout the US.

Brex is the AI-powered spend platform for modern companies, from startups to enterprises. Combining corporate cards, expense management, travel, business accounts, and bill pay, Brex makes it easy to control spend before it happens with unprecedented efficiency and accuracy. Our mission is to empower employees anywhere to make better financial decisions, so we designed our platform to make expenses almost effortless with unrivaled automation of manual expense work and real-time tracking. Brex supports more countries and currencies than any other spend solution. Brex has tens of thousands of customers, including some of the most successful, high-growth companies, such as DoorDash, SeatGeek, Coinbase, ScaleAI, MasterClass, Indeed, Allbirds, and Superhuman. Brex offers: - Corporate cards with 10-20x higher limits - Business accounts with easy wires, same-day liquidity, fast global payments, and $6M in FDIC insurance - Reward options that include billboards, offsites, and coaching - Founder-friendly financial modeling tools - Special events and masterclasses for founders - Advanced spend management software as startups grow that includes global capabilities, travel, bill pay and more.

The journey of building Razorpay started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) witnessed the dismal state of the online payments industry in India then and understood that they have a larger and more important issue to solve. And That was democratizing online payments for Indian businesses, particularly the underserved market, Startups and SMEs. Over the last 9 years, Razorpay has evolved from a single-product company to a multi-product company, from an online payment gateway to India’s only full-stack financial solutions company, offering payments and banking solutions to businesses. Razorpay today is transforming age-old complexities and changing every known paradigm of money movement for disruptive businesses. Over the last couple of years, Razorpay’s growth has evolved to be an index of India’s digital economy. From a kirana shop in Kashmir collecting payments on our POS device to a textile exporter in Kanyakumari accepting dollars through our International Payments product, Razorpay has revolutionised how businesses have traditionally transacted and interacted with money. Razorpay became the first and only Indian fintech to build a full-stack international Payment Gateway ‘Curlec by Razorpay’ and evolved into a comprehensive provider of payment solutions, leveraging the synergy between cutting-edge technological capabilities and a profound understanding of the local payment ecosystem. The introduction of the new Curlec Payment Gateway aims to cater to a wide spectrum of businesses, expanding its reach to over 5,000 establishments. Be it for international expansion or solving for Indian businesses, for Razorpay, the customer has always been at the core of all disruption, from addressing evolving needs to delivering new solutions. This hyperfocus helped bring Razorpay’s several industry-first innovations into the market since 2014. Razorpay became the first to launch a completely digital on-boarding process for startups, first to launch support for UPI, first to launch support for Bharath QR, first to introduce recurring payments for businesses through Razorpay Route, automating payment receipts and later automate payouts and making the entire process seamless and optimized and many more were introduced aling the way. Other firsts include: - First to launch India’s Multi-Network Tokenisation solution, TokenHQ - Razorpay became India’s first payment gateway to support credit cards on UPI - Razorpay also became India’s largest omnichannel payment gateway for businesses post acquiring Ezetap which is India’s leading offline POS company that was founded with the aim to simplify the in-person offline payments experience. Over the years, Razorpay’s valuation has jumped from $1 billion to $7.5 billion and has added a host of marquee investors to its captable. Razorpay is also the second Indian company to be a part of Silicon Valley’s largest tech accelerator, Y Combinator. Marquee investors such as Lone Pine Capital, Alkeon Capital, TCV, GIC, Tiger Global, Sequoia Capital India, Ribbit Capital, Matrix Partners, Salesforce Ventures, Y Combinator, and MasterCard have invested a total of $741.5 Mn through Series A, B, C, D, E and F funding. The last financing round of Series F led the company’s valuation to $7.5 Billion signaling one of the fastest increases in valuation for an Indian Unicorn. Razorpay has also made acquisitions with like-minded companies over the last 9 years. In total, till date, Razorpay has made eight acquisitions, Billme in 2023 - A Digital invoice and customer Engagement, Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading loyalty and reward management platform, IZealiant in 2022 - A mobile-first, API-enabled, and cloud-ready payment solution and made its first international foray in South-East Asia by announcing its acquisition of Curlec in 2022 - A recurring payments platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions, Opfin (Now RazorpayX Payroll) in 2019 - The payroll management solution and Thirdwatch in 2019, the first acquisition - The AI-powered fraud detection platform. All these efforts are being done in collaboration with banks, regulators, and stakeholders so that India can build a better place for small and big businesses. Today, Razorpay powers online payments for 76 Of 100 startup unicorns and millions of businesses in India. The core premise of what Razorpay was founded in 2014 and what it is today hasn’t changed. It is to make money movement simpler and easier, whether it is for businesses to receive money, send money, or manage money.

Founded in June of 2012, Coinbase is a digital currency wallet and platform where merchants and consumers can transact with new digital currencies like bitcoin, ethereum, and litecoin. Our vision is to bring more innovation, efficiency, and equality of opportunity to the world by building an open financial system. Our first step on that journey is making digital currency accessible and approachable for everyone. Two principles guide our efforts. First, be the most trusted company in our domain. Second, create user-focused products that are easier and more intuitive to use.

SmartAsset is an online destination for consumer-focused financial information and advice. Reaching approximately 59 million people each month (as of January 2024) through its educational content and personalized calculators and tools, SmartAsset's mission is to help people make smart financial decisions. Additionally, SmartAsset powers SmartAsset AMP, a national marketplace connecting consumers to financial advisors. Building on SmartAsset’s relationship with millions of investors, SmartAsset AMP connects financial advisors directly with prospects who meet their target client profile. Our algorithm matches consumers with up to three fiduciary financial advisors. In 2023, SmartAsset helped advisors close an estimated $34 billion.

Launched out of Y Combinator’s 2009 Summer batch, Stripe is a global technology company that builds economic infrastructure for the internet. Businesses of every size—from new startups to public companies—use our software to accept payments and manage their businesses online Stripe is a proud partner of YC companies—from Airbnb (S09) to Defog (W23)—to help them grow their businesses and increase the GDP of the internet.

Rocket Money (formerly Truebill) is a leading personal finance app that analyzes members' spending habits, identifies inefficiencies, and offers immediate methods to improve their financial health. It enables people to optimize their spending, manage subscriptions, lower their bills, and automatically set aside money to reach their savings goals. Truebill has saved members more than $100 million since 2016 and is headquartered in Silver Spring, Maryland, with offices in San Francisco. Truebill's mission is to empower people to live their best financial lives. Truebill offers members a unique understanding of their finances and a suite of valuable services that save them time and money - ultimately giving them a leg up on their financial journey. Truebill is backed by Accel, Bessemer Venture Partners, Eldridge Industries, and YCombinator.

Maywood automates deal execution for investment banks, from decks to diligence The Maywood platform automatically generates finished, on-brand CIMs / presentations, models, and diligence responses that prioritizes editability and auditability, with best-in-class security ensuring information stays protected. Maywood reinvents the deal process with a single, living workspace for every deal.

We help highly regulated financial institutions and fintechs prevent financial crimes. With our AI agents, you can process 10X compliance workload per analyst, with bullet-proof audit logs for regulators!

Axis is building an AI research platform for the commodities trading industry, allowing a trader or analyst to deploy models for monitoring information relevant to their strategy. Commodities make up a third of global goods exports, and physical commodities traders decide the movement and storage of metals, agricultural products, and energy (Crude, Refined Products, Natural Gas, Petroleum) across the globe. Due to the size of these markets, commodities traders monitor data sources spanning prices and derivatives, refinery data, storage inventory, import/exports, geopolitical events and more. Axis is building an analytical layer for these markets.

Forum is building the first regulated exchange to trade on cultural attention. We create indices from search, social, and streaming data to measure what the world cares about, enabling users to go long or short on changes in relevance. Attention is the primary driver of business success in the digital age, but it has never been directly tradable. Forum introduces attention as a new asset class for managing cultural and demand risk.

SpotPay is a global borderless neobank. We give users one account that works for everything payments related: receiving money from abroad, paying locally, spending anywhere with the SpotPay card and saving and earning on their balance.

Sequence Markets builds execution technology for digital-asset markets. Our platform improves trade routing across venues and helps institutions and active investors access better pricing, lower slippage and more reliable execution. We operate as a fully non-custodial technology provider and integrate with existing brokers, exchanges and custodial platforms.

In emerging markets like the Philippines, open finance is still nascent. Most of the population is traditionally unbanked, banking APIs don’t exist, and a borrower’s financial history lives in documents: e-wallet records, bank statements, utility bills, and more. Because this data is unstructured, credit and risk teams are forced into manual review. This slows decisioning, increases costs, and caps lending volume. Legacy OCR solutions break on noisy, real-world files and still require human verification. Kita is the first document intelligence platform built specifically for lending. We are hyperlocalized around the signals that actually drive lending outcomes in emerging and undertapped domestic markets like the Philippines, Indonesia, Mexico, and beyond. Using a layered system led by vision-language models and computer vision, we outperform traditional OCR by transforming messy borrower documents into fraud-checked, decision-ready signals lenders can use directly in underwriting. Under the hood, Kita is a learning system. We link document-level signals to repayment outcomes, allowing our models to continuously improve fraud detection and risk assessment over time. This creates a compounding advantage for lenders as their distinct underwriting decisions feed back into the system. We’re Carmel and Rhea. We met before Stanford and have been building together ever since. Carmel is from Manila, is a repeat founder, and spent three years in product at Apple. Rhea has a research background in computer vision and received the highest honor in Stanford Computer Science. Together, we combine deep local context with strong technical execution to build the infrastructure that expands access to credit in emerging markets.

Panta is the autonomous commercial insurance brokerage run by AI agents. Today, businesses wait weeks for coverage because the $1 trillion industry runs on a "human API"—armies of brokers manually bridging the gap with carriers. Instead of chasing email threads and re-keying data, Panta’s clients get results 10x faster because our AI agents automate the entire back-office. Vincent was a Machine Learning Engineer at Google, where he led research on foundation models for recommendation at Vertex AI. Frank was a Senior Full Stack Engineer at Apple and is a top open-source contributor to the Rust and Gleam ecosystems. We realized that while carrier response times are slow, the real bottleneck is the broker. Traditional firms spend 80% of their time on manual data entry, forcing them to scale linearly with headcount. By replacing this work with autonomous agents, we operate with zero data entry and significantly higher margins. We are building a service business with software economics. We formed the company in December and have already bound multiple commercial policies for clients in San Francisco. We aren't just building a better brokerage; we are building the autonomous infrastructure that American business runs on.

Autonomous is a superintelligent financial advisor at 0% advisory fees. Today, managing your money means one of two bad options: DIY your money: You end up with accounts everywhere (401k, IRAs, brokerage, crypto, savings, equity, secondaries). Your spreadsheet is always wrong. You make expensive mistakes because this isn't your full-time job. Hire a financial advisor: They'll manage your money and charge 1-2% of assets annually. Run that math over multiple decades and you're handing over half your net worth to fees. Neither path can economically deliver the sophisticated, personalized strategies the ultra-wealthy use to compound wealth: strategic tax-loss harvesting across individual securities, systematic risk management, portfolio-backed borrowing to defer capital gains, access to alternatives, etc. These aren't secret – they're just economically impossible to deliver at scale through traditional human advisors. Robos were supposed to fix this, but they were designed in a pre-AI world. In practice they just manage cookie-cutter portfolios. They don’t coordinate across your 401(k), taxable accounts, mortgage, equity, and cash flow, they don’t help with real decisions like job offers, windfalls, or concentrated stock, and they don’t deliver institutional strategies. That’s why, even after a decade plus, the biggest robos are still <$100B AUM while old-school advisors like Raymond James / Edward Jones sit on trillions. We’re doing for financial advising what Robinhood did for brokerages. Think of it as a full-stack, AI-native wealth strategist that brings billionaire-style playbooks to ordinary investors. Autonomous is built around a frontier-scale reasoning engine—an AI that perceives global events as they unfold, understanding their deeper implications for markets and and most importantly, how these events will impact your investments.

Amera automates claims processing for health insurance payers. We turn messy claim inputs (PDFs, bills, receipts, EDI and non-standard submissions) into structured data that plugs into existing systems. This cuts manual entry and exception handling, speeding up operations and reducing cost. We are already working with payers / plan administrators representing ~100k members, giving them access to more affordable care options.

If you are a trusts & estates attorney, RIA, fintech, or family office interested in Sava, reach us at founders@savahq.com

Private-market investing still runs on Excel. Every year, trillions of dollars in venture, real estate, and private-equity capital are underwritten through manual spreadsheet work — copying data from PDFs, CIMs, and data rooms into brittle models that haven’t fundamentally changed in decades. Alt-X is building the AI infrastructure layer inside Excel for alternative assets. We ingest unstructured deal materials and automatically turn them into clean, auditable Excel models. Analysts can go from raw documents to a working underwriting model in minutes instead of rebuilding spreadsheets cell by cell. Alt-X extracts and maps key KPIs like ARR, growth, NOI, IRR, leverage, and cap rate directly into Excel, then generates institutional-grade models, sensitivities, and IC-ready outputs that remain fully editable and transparent. Teams using Alt-X reduce deal evaluation timelines by up to 70%, save 30–50 analyst hours per deal, and screen 4× more opportunities with the same headcount. By automating extraction, modeling, and error detection inside Excel, Alt-X turns underwriting from a manual bottleneck into a scalable workflow. Our first wedge is real estate and private equity, where Excel underwriting is slowest and most painful. We’re already piloting with family offices and private funds managing over $200M in assets. Alt-X is priced as a SaaS product starting at $30/month, with higher tiers for teams and advanced workflows. The opportunity is massive: over $1.4T in private-market deals are underwritten globally each year, with $25–30B spent on diligence and analytics — nearly all of it manual and Excel-based. Alt-X’s mission is to become the operating system for private-market investing inside Excel — the Bloomberg Terminal of the AI era.

Casey is the fastest way for commercial insurance brokers to submit complex risks. We automate client data collection, build risk profiles, and prepare carrier-ready submissions for wholesalers and underwriters in minutes.

Fernstone is a a full-stack insurance brokerage for complex risk. We are competing directly with the 40,000 commercial insurance brokers in the US that earn $80B in revenue each year. Today, construction and security companies use Fernstone to obtain coverage to close contracts and obtain licenses.

Selfin is developing AI-powered banking. Users can enjoy personalised recommendations and optimisations of their finances by connecting all their financial products on a single platform.

Freeport allows you to turn tweets into meaningful alpha. Get news as soon as it brakes with the associated trade. Scroll, Trade, and use Perps all in one app!

Zavo is the first AI-point of sale platform for restaurants. We unify payments, point of sale, and AI agents into one seamless platform, allowing business to accept payments, manage operations and automate manual processes with Ai. From reservations, to payments to point of sale, we have built the full restaurant tech stack in-house with AI automation across all products. We started Zavo in May 2025, currently over 400 businesses of different sizes use Zavo to accept payments and manage operations

Munify is the cross-border Neobank for the Middle East and its diaspora. Instantly open a USD account, get a virtual card, and send money home at the best rates, all from one app.

Ruvo is a global account for receiving, holding, and moving money between USD and BRL. We connect Pix, crypto, and Visa so you can receive USD from abroad, convert between USD and BRL in minutes, send money to the U.S., spend worldwide, and save in digital dollars with yield — all in one place. Ruvo supports both personal (CPF) and business (CNPJ) accounts, with low fees, strong security, and direct Pix settlement. Formerly known as Cacao.

Astor is an AI investment advisor for retail investors. Founded by Bruno Koba (Nubank, monashees) and Daniel Tulha (Stripe, Robinhood), Astor gives every active investor an AI investment advisor working around the clock to surface their next great investment. We’re backed by YC (S25). Retail investors now account for 25% of all U.S. trading volume, nearly double from 2012. But over 56% still say they don’t feel confident in their investment decisions. Astor fixes that. Our AI agents uncover opportunities, decode emerging trends, and deliver analysis tailored to you. Instead of drowning in noise, investors gain a clear edge, shifting from guesswork to confident decision-making.

The domain specific AI for claims that gives leading insurers clarity and speed on the most complex claims

Shor is a new Employer-of-Record built from the ground up with AI agents and stablecoins. We enable remote teams to hire and pay global employees at a fraction of the cost. The process is fast, simple, and fully compliant. Today, global payroll is broken. Payments take days, cost 5–10% in fees, and force companies to navigate complex banking, tax, and labor regulations. Platforms like Deel and Rippling solved this for large enterprises but remain too expensive and cumbersome for the millions of startups and growing remote teams scaling globally. Shor fixes this by combining autonomous AI agents with stablecoin-based settlement. Our agents handle contracts, worker classification, compliance, and payroll automatically in a simple, messaging-first experience. Payments can settle in seconds rather than weeks at a fraction of the cost of legacy providers. We are making global payroll fast, affordable, and accessible for the millions of companies left out by legacy platforms.

Veritus is a omni-channel platform for deploying AI agents for loan servicing and collections, including inbound and outbound voice agents. Our agents negotiate repayment plans, follow up across channels, and drive recoveries with zero human involvement. By combining cutting edge voice AI with deep regulatory compliance and vertical specialization we're able to drastically reduce the cost-to-collect while increasing recovery rates.

Chestnut is the first AI mortgage lender. We automate 99% of human work with AI agents, saving customers 0.5%+ in interest. This is Spencer's second mortgage startup; the first processes 2% of US mortgages annually. So far, Chestnut is licensed in Texas and Colorado where we power purchases, refinances, cash-outs, and more.

Acolite builds AI teammates that handle submissions, issuing COIs, and SOV mapping across any AMS. Like an extra teammate, you simply forward an email and Acolite handles the rest.

QFEX is the 24/7 exchange for traditional financial markets. We let you trade US equities, commodities and FX pairs with (or without) leverages of up to 100x. On QFEX, UX comes first: brokerless market access, seamless integration with traditional payment rails, and ultra-efficient Perpetual Futures offered over all asset classes. Trading has never been simpler, cheaper or fairer than with QFEX. Founded by Quants and Engineers from Citadel & Tower Research who saw an opportunity to make markets how they always should have been, QFEX will eventually replace the entire $100 billion exchange and clearing industry.

We’re building an AI-powered Bloomberg Terminal using Financial Agents. I used to be a trader at Tower Research and Goldman Sachs, and I’m building Scalar Field with my co-founder Ramakant, who led engineering teams at Microsoft. We’ve both spent our careers at the intersection of finance and technology — and we’re using that experience to reimagine how markets are analyzed and traded. Scalar Field is built around a simple idea: most people log into a terminal because, consciously or subconsciously, they’re trying to validate a hypothesis. But today’s terminals don’t help with that. They’re dashboards — not thinking tools. So we built Scalar Field to change that: a platform where users can test any market hypothesis instantly using intelligent agents. You can spin up agents that react to market events, run backtests across data from multiple asset classes, and even trigger trades when specific conditions are met — all in one place.

Ralo is a mortgage platform built to deliver lower rates and lower fees by cutting out unnecessary intermediaries. We automate the complex work behind the scenes, from paperwork to pricing and negotiation.

Avallon automates insurance claims operations with AI agents that handle routine calls and documents processing.

Infinite is a stablecoin payment processor. We offer businesses turnkey APIs and SDKs to instantly move money anywhere in the world at a fraction of the cost of traditional solutions.

Rally is a financial platform for businesses that operate vehicle fleets. We're starting in Europe, where over €1 trillion is spent annually on fuel, charging, maintenance, and other fleet expenses - most of it still running on legacy networks built in the 1960s. We set a new standard for fleet finance by streamlining payments and automating workflows across bookkeeping, credit, and driver payroll, helping real-world businesses like delivery services, construction crews, and service technicians stay in control and operate efficiently.

PAX is a new crypto CEX that delivers more 𝛼 with its in-silicon exchange and HFT technology. The PAX exchange integrated on-chip λ API provides deterministic nanosecond tick-to-trade latency. HFT λ traders experience non-adverse counterparty selection by pairing with free-tier traders who access PAX using our zero-cost & always rebated legacy API. Using our patented technology, PAX is building a new generation of exchange co-lo facilities that unite HFT with exchange and monetizing by vertically integrating exchange and platform technology as one.

Axiom is the trading platform for decentralized finance and currently offers memecoins, perpetuals, and yield. Since launch we've hit 10M MRR and 5M monthly net profit.

AI-native OS for the commercial insurance brokerages.

BlindPay is a stablecoin API that enables companies to send and receive money worldwide using fiat money, stablecoins and multiple blockchains. We handle all the complex compliance and regulatory requirements, so companies can focus on their core business.

Karsa is a stablecoin neobank for over 100M people in emerging markets. We enable people to buy dollar-denominated stablecoins, save money in US bank accounts, and spend anywhere with a Visa card.

Canadians have not benefitted from fintech innovations in the last 10 years. They are stuck with a banking oligopoly and limited access to tech-first financial offerings (a lot of products still require you going to a branch in person!). We're fixing this.