Industry

YC Consumer Finance Companies

55 Y Combinator consumer finance startups with verified founder contacts, batch info, and company data.

Companies

Active

Acquired

Public

YC Company Directory

50 companies

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Company	Batch	Description	Status	Location	Team	Founders	Reveal
SpotPay	W26	Cross-border Personal Finance on Stablecoins	Active	San Francisco, CA, USA	2	Thomas Cesare-Herriau, Zsika Phillip	Reveal
Axiom	W25	Trade memecoins, perpetuals, and earn yield.	Active	—	2	Henry Zhang, Preston Ellis	Reveal
Karoo	W25	Canadian neobank focused on lending	Active	Toronto, ON, Canada	3	Hugo Markland, Jeanot Dawson, Oliver Lambson	Reveal
Polar	W24	The smarter way to manage USD earnings globally	Active	San Francisco, CA, USA	2	Grant Ackerman, Andrew Wang	Reveal
Finvest	W23	Easy way to buy US Treasury Bills	Active	San Francisco, CA, USA	5	Shivam Bharuka	Reveal
Littio	W23	Dollar banking for people in Latin America	Active	Bogotá, Bogota, Colombia	37	Christian Knudsen, Luis Huertas, Ivan Torroledo	Reveal
Rainmaker	W23	DeFi for Everyone	Active	—	2	Carlos Reyes Stoneham, Brent Traut	Reveal
Theya	W23	The world's simplest Bitcoin self-custody solution	Active	San Francisco, CA, USA	3	Vikas Choudhary, Smeet Bhatt, Sriram Bhargav Karnati	Reveal
Aspora	W22	Single account to manage money across the world	Active	London, UK	85	Parth Garg	Reveal
Gauss	W22	Lower interest rates on existing credit cards	Active	New York, NY, USA	16	Alex Matsenov, Abdullo Akhadov	Reveal
Joe	W22	We let customers "Buy Now Pay Later" on any store in Europe.	Acquired	Paris, France	12	Kevin Ohana, Yohan Elbase	Reveal
Seis	W22	Banking 100% in Spanish for the 44 million US Spanish speakers	Active	San Francisco, CA, USA	70	Trevor McKendrick, Josh Howland	Reveal
Alinea	W21	Automated investing for the next generation 💸	Active	New York, NY, USA	12	Eve Halimi, Anam Lakhani	Reveal
Hapi	W21	Stocks and cryptos trading app with zero commissions and no minimums…	Active	—	45	Dusko Kelez, Billy Caballero, Piero Sifuentes	Reveal
Solo	W21	We help people resolve debt.	Active	Provo, UT, USA	25	George Simons	Reveal
Z1	W21	Digital bank for teenagers in LatAm connected to prepaid card	Active	São Paulo, State of São Paulo, Brazil	80	Joao Pedro Thompson, Thiago Achatz, Mateus Craveiro, Sophie Secaf	Reveal
Ziina	W21	A digital wallet for the Middle East & North Africa	Active	Dubai - United Arab Emirates	25	Sarah Toukan, Andrew Gold, Faisal Toukan	Reveal
Bamboo	W20	Bamboo ― the first online brokerage service for Africans and their…	Active	Lagos, Nigeria	14	Richmond Bassey, Yanmo Omorogbe	Reveal
Revenir	W20	First API solution for tax returns.	Active	London, UK	11	Shawn Du	Reveal
Spenny	W20	Acorns for India. Every time you swipe you make a digital…	Active	Bengaluru, Karnataka, India	2	Gaurav Arora	Reveal
Atlas	W19	Modern spend management & concierge.	Active	San Francisco, CA, USA	25	Patrick Mrozowski, Sid Parihar, Kenan Pulak	Reveal
Catch	W19	Benefits for independent workers.	Acquired	New York, NY, USA	18	Andrew Ambrosino, Kristen Anderson	Reveal
Keeper	W19	AI tax filing for complex returns	Active	San Francisco, CA, USA	21	David Kang	Reveal
Upsolve	W19	Helping low-income Americans overcome debt and rebuild credit at…	Active	New York, NY, USA	12	Jonathan Petts	Reveal
Tilt (f.k.a. Delphia)	W18	Tilt lets anyone build an index out of any content on the web.	Active	Toronto, ON, Canada	25	Andrew Peek, Cliff van der Linden	Reveal
Truebill	W16	Live your best financial life	Acquired	Silver Spring, MD, USA	225	Yahya Mokhtarzada, Haroon Mokhtarzada, Idris Mokhtarzada	Reveal
Glassjar	W15	Clean app for check writing	Inactive	Mountain View, CA, USA	2	George Smith, Matt Galloway	Reveal
SparkGift	W15	SparkGift makes it easy to send stocks and index funds as gifts to…	Inactive	San Francisco, CA, USA	2	Peggy Mangot, Bob Haigler	Reveal
Coin	W13	A mobile wallet that allows you to pay everywhere credit cards are…	Acquired	San Francisco, CA, USA	11	Kanishk Parashar, Karthik Balakrishnan	Reveal
Tilt	W12	Mobile crowdfunding: The easiest way to collect, fundraise, and sell…	Acquired	San Francisco, CA, USA	51	James Beshara, Khaled Hussein	Reveal
Astor	S25	AI advisor for retail investors	Active	San Francisco, CA, USA	5	Bruno Koba, Daniel Tulha Hochstetler	Reveal
Envelope	S23	Banking with built-in budgeting	Active	San Francisco, CA, USA	2	Katelyn Strobel, Josh Strobel	Reveal
Bree	S21	Chime for Canada, starting with cash advances	Active	Vancouver, BC, Canada	2	Alexander Li, Adam Kang	Reveal
Flowbo	S21	Pipe for online businesses	Inactive	Los Angeles, CA, USA	2	Daniel Kang, Norman Yu	Reveal
InstaKin	S21	Financial Platform for Migrant Families in America	Active	Boston, MA, USA	15	Zain Khan	Reveal
Ivella	S21	Banking and savings products designed for couples	Inactive	Santa Monica, CA, USA	8	Kahlil Lalji, Vishal Dubey, Eric Wang	Reveal
marketfeed	S21	Helps affluent Indians invest in automated options trading strategies	Active	Bengaluru, Karnataka, India	55	Sharique Samsudheen, Sooraj Elamana	Reveal
Mine	S21	The AI personal finance company.	Active	New York, NY, USA	18	Carlo Kobe, Moritz Pail, Scott Smith, Moritz Stephan	Reveal
Nexus	S21	Nexus offers a unified checking and investment account.	Inactive	Mountain View, CA, USA	2	Stefan Heule, Chen-Chen Huo, Konstantin Weitz	Reveal
Sleek	S21	1-click checkout from every store on the internet + cashback rewards.	Acquired	Toronto, ON, Canada	5	Adam MacEachern, Daniel Baum, Palmer McCutcheon	Reveal
Altro	S20	Build Credit With Your Subscriptions	Acquired	Los Angeles, CA, USA	29	Michael Broughton, Ayush Jain	Reveal
Bits	S20	Bits is a credit card designed to help people build credit	Active	London, UK	15	Faisal Khalid	Reveal
Compound	S19	Compound is a wealth manager for people who work at tech companies.	Acquired	San Francisco, CA, USA	51	Jordan Gonen, Jacob Schein	Reveal
Gotrade	S19	Robinhood for Southeast Asia (SEA)	Active	Singapore	105	Norman Wanto	Reveal
Rainbow	S19	Open-source, design centric software for interacting with blockchains	Active	New York, NY, USA	28	Christian Baroni, Jin Chung, Michael Demarais	Reveal
Sable	S19	Mobile bank for credit-worthy, new-to-America internationals offering…	Acquired	New York, NY, USA	12	Naveen Qureshi, Joseph Finlayson, Towers Wilen	Reveal
Fintual	S18	Wealth manager	Active	Santiago, Santiago Metropolitan Region, Chile	100	Pedro Pineda, Agustín Feuerhake, Omar Larré, Andres Marinkovic	Reveal
Honeydue	S17	The simplest way for couples to manage money, together	Acquired	San Francisco, CA, USA	2	Eugene Park	Reveal
Clear	S14	Fintech SaaS platform for invoices, taxes, wealth management & credit.	Active	Bengaluru, Karnataka, India	900	Archit Gupta, Srivatsan Chari, Ankit Solanki	Reveal
Monzo Bank	—	A bank as smart as your phone.	Active	London, UK	2450	Tom Blomfield	Reveal

Batch Distribution

WW261 WW252 WW241 WW234 WW224 WW215

Status Breakdown

Active39 Acquired11 Inactive5

Top Locations

San Francisco15 New York8 London5 Toronto3 Bengaluru3 Mountain View2

About YC Consumer Finance Companies

Y Combinator has funded 55 consumer finance companies since its founding in 2005. These startups span from early-stage pre-launch to publicly traded companies, making YC one of the most prolific backers of consumer finance innovation globally.

39 of these companies are currently active. 11 have been acquired. VCBacked tracks verified founder contact information, team sizes, and company status for every YC consumer finance startup.

Related Industries

B2B641 Engineering, Product and Design139 Industrials89 Consumer80 Healthcare78 Fintech65 Infrastructure64 Productivity38

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