Industry

YC Consumer Finance Companies

84 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
Gravy	X26	Agents that move money, trade stocks, and file taxes.	Active	San Francisco, CA, USA	2	Ali Tabba, Max Church	Reveal
SpotPay	W26	Cross-border Personal Finance on Stablecoins	Active	San Francisco, CA, USA	2	Thomas Cesare-Herriau, Zsika Phillip	Reveal
SpotPay	W26	Stablecoin Global Bank Account	Active	San Francisco, CA, USA	2	Zsika Phillip, Thomas Cesare-Herriau	Reveal
Valence	W26	Unified prediction markets trading platform	Active	San Francisco, CA, USA	3	Neo Wang, Daniel Kasabov-Nouvion, Arthur Zhou	Reveal
Axiom	W25	Trade memecoins, perpetuals, and earn yield.	Active	San Francisco, CA, USA	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
Karoo	W25	AI native consumer lending platform for underserved Americans	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	AI Wealth Manager	Active	San Francisco, CA, USA	5	Shivam Bharuka, Arnav Sahu	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
Littio	W23	Dollar banking for people in Latin America	Active	Bogotá, Bogota, Colombia	37	Christian Knudsen, Luis Huertas, Ivan Torroledo, Camilo Jimenez	Reveal
Maxi	W23	AI Agent for your personal finances	Active	New York City, NY, USA	2	Akeem Williams	Reveal
Rainmaker	W23	DeFi for Everyone	Active	—	2	Carlos Reyes Stoneham, Brent Traut	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
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, England, United Kingdom	85	Parth Garg	Reveal
Gauss	W22	AI agent that helps consumers lower the cost of debt automatically	Active	New York City, 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
Joe	W22	We let customers "Buy Now Pay Later" on any store in Europe.	Acquired	Paris, Île-de-France, 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
Seis	W22	Banking 100% in Spanish for the 44 million US Spanish speakers	Inactive	Salt Lake City, UT, USA; San Francisco, CA, USA	70	Trevor McKendrick	Reveal
Soon	W22	Automated sweep account, invest without the stress of speculating	Active	Salt Lake City, UT, USA; Remote	4	Michael Shattuck, Aaron Bylund	Reveal
Alinea	W21	Automated investing for the next generation 💸	Active	New York City, NY, USA	12	Eve Halimi, Anam Lakhani	Reveal
Bloom	W21	Investing app that teaches you how to invest	Active	San Francisco, CA, USA	8	Sam Yang, Chris Nolte	Reveal
Hapi	W21	Stocks and cryptos trading app with zero commissions and no minimums…	Active	San Francisco, CA, USA; Remote	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, SP, Brazil; Remote	80	Joao Pedro Thompson, Thiago Achatz, Mateus Craveiro, Sophie Secaf, João Pedro Thompson	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, LA, Nigeria; LA, Nigeria	14	Richmond Bassey, Yanmo Omorogbe	Reveal
Revenir	W20	First API solution for tax returns.	Active	London, England, United Kingdom	11	Shawn Du	Reveal
Astor	S25	AI advisor for retail investors	Active	San Francisco, CA, USA	5	Bruno Koba, Daniel Tulha Hochstetler	Reveal
Astor	S25	AI advisor for retail investors	Active	San Francisco, CA, USA	5	Bruno Koba, Daniel Tulha Hochstetler	Reveal
Conviction	S25	Anyone Can Trade	Active	San Francisco, CA, USA	2	Aria Vikram, Tony Yamin	Reveal
Envelope	S23	Banking with built-in budgeting	Active	San Francisco, CA, USA	2	Katelyn Strobel, Josh Strobel	Reveal
Alma	S22	Gamified mobile banking app where people can win $1M every Wednesday	Inactive	Seattle, WA, USA; Palo Alto, CA, USA; Remote	—	Agni Bhattacharya, Allison Bellows	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; Seoul, Seoul, South Korea	2	Daniel Kang, Norman Yu	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
Ivella	S21	Banking and savings products designed for couples	Inactive	Los Angeles, CA, USA; Santa Monica, CA, USA	8	Kahlil Lalji, Vishal Dubey, Eric Wang	Reveal
marketfeed	S21	Helping Indians make better financial decisions.	Active	Bengaluru, KA, India	18	Sharique Samsudheen, Sooraj Elamana	Reveal
Mine	S21	The AI personal finance company.	Inactive	New York City, NY, USA	18	Moritz Pail, Moritz Stephan, Carlo Köbe	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
Freeport Markets	F25	Tradable Twitter Feed	Active	New York, NY, USA	3	Lihong Wang, Bryan Reed	Reveal
Freeport Markets	F25	Trade Anything	Active	New York City, NY, USA	3	Lihong Wang, Bryan Reed	Reveal
Selfin	F25	Building the first AI Bank	Active	San Francisco, CA, USA	2	Paula Gutierrez, Joel Tomas Pimentel, Joel Tomas Pimentel	Reveal
Sunset	F24	Find and move money after a death	Active	—	5	Stephen Walter, Kaela Worthen	Reveal

Batch Distribution

XX261 WW263 WW253 WW241 WW239 WW227

Status Breakdown

Active58 Acquired16 Inactive10

Top Locations

San Francisco28 New York City10 London6 Toronto4 New York4 Los Angeles4

About YC Consumer Finance Companies

Y Combinator has funded 84 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.

58 of these companies are currently active. 16 have been acquired. VCBacked tracks verified founder contact information, team sizes, and company status for every YC consumer finance startup.

Related Industries

B2B3278 Healthcare805 Fintech709 Consumer654 Engineering, Product and Design610 Industrials489 Infrastructure303 Productivity208

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