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.

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.

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.

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.

Every great investment starts as an idea about the world. Institutions have teams of analysts turning those ideas into positions. Volaren is that team, processing data through fundamentals and quantitative models that can be personalized with AI. Turn your views into trades, portfolios, and strategies, or co-invest alongside top traders and hedge funds. Volaren stays with you from there, showing you what's actually driving each position and what it means for your next move.

Oasive helps bond investors decide what to buy and sell, and why. It unifies research, screening, analysis, valuation, and reporting in one platform, automating work that today takes teams of analysts. Live today across MBS and macro research, with municipal bonds, rates, ABS, and corporates next.

Ignition is an AI-native employee benefits brokerage for companies with under 200 employees. Health insurance is one of the largest line items these companies carry, and employers absorb 15 to 40% rate increases year after year without ever seeing their own numbers. We have rebuilt the sales and back office to be AI-first. This market represents about $500B of market cap, and those businesses have not fundamentally changed in over 50 years. While scaling Plated, I wore every HR hat from doing payroll myself, to managing a PEO, to eventually hiring an employee benefits broker on our way to 1,500 employees. We wasted over $4M on benefits over 5 years, and I'm building Ignition to help companies under 200 employees avoid making my mistakes.

Hesper AI builds AI agents that investigate P&C insurance claims end to end. Hesper’s agents read the claim file, detect tampered documents, verify facts, check coverage, flag inconsistencies, and produce an audit-ready case file in minutes, so insurers can check every claim. We work with Claims and SIU orgs at Carriers, MGAs and TPAs,

Redoubt is a commercial insurance agency for small businesses. We believe our customers are our most important business partners, and they deserve our full attention. Machines can already handle the boring parts, the next step is to continually learn from experience.

Spectre Intelligence is a neotrading firm. We create AI traders instead of hiring human ones. Currently trading semis + bio.

Covera builds AI agents for insurance brokers. Our ready-to-use agents take over the day-to-day servicing work: submission intake, carrier quoting, quote comparison, claims handling, past-due collections, and account rounding. That means brokers can spend their time advising and selling clients instead of doing data entry. We work with agencies of every size and connect natively to the tools they already use.

Veltha is the AI native TPA starting with workers comp. We handle claim for insurance providers end to end. Learn more at https://veltha.ai

PRINCEPS is the first purpose-built insurance company for the trillion-dollar compute buildout. We underwrite SLA, GPU residual value, and outage risk, and price the coverage that unlocks cheaper financing for data centers and neoclouds.

Led by former institutional proxy voters and technologists with a collective 20+ years of experience, Pennant gives institutional investors, public companies, and corporate advisors voting and governance intelligence to act on their own principles at scale.

TovenAI builds a platform of AI agents that handle manual, data-intensive work for compliance teams at institutional trading firms, with six agents currently live. Our customers range from specialist firms to large global institutions, with our agents supporting multiple compliance workflows at a top-10 institutional brokerage. With prebuilt connectors to more than 30 systems—including Bloomberg, Cloud9, and NICE Actimize—firms can onboard to our platform and evaluate results using their own data in less than a week.

Prodigy is the frontier AI trading research lab. We've trained the world's best foundation model for quantitative finance. We've already achieved more than 100% returns in live trading over the course of our YC batch, doubling our capital while major indices were flat. Our founders previously worked on a trading desk at Jane Street, trained frontier AI models at Google DeepMind and shipped cutting-edge AI at Apple to billions of customers. Join us as we use AI to solve the market.

Audun automates debt collection.

Qlo builds AI agents to run commercial insurance underwriting. We start by fully automating the operational work around risk decisions, become the system of record, and earn autonomy workflow by workflow toward the autonomous AI underwriter. We’re rebuilding underwriting infrastructure from the ground up so human underwriters and AI agents can share the same accounts, rules, documents, permissions, and workflow state.  We believe every commercial insurance program will eventually be built and operated end to end by AI agents on Qlo.

Arbital lets you trade perps, memes, stocks, and run market-making strategies from one place. In our first 7 months, 2,700 traders have traded $1.35B in volume through Arbital, and we're now doing $435M/month. We're building towards a social, mobile-first trading app that brings tokenized equities, crypto, and perps to everyone.

Stoa provides pricing and trading infrastructure for AI hardware, live with an RFQ marketplace where companies buy and sell GPUs through vetted dealers real-time.

Risklytics is the insurance company for frontier tech such as physical AI, robotics, and data centers. Companies answer 6 questions and we bind a tailored policy that other insurance companies won’t.

Denta is a full-stack insurance carrier rewriting healthcare. Starting with dental insurance, we are relentlessly simplifying the process for patients to receive better coverage at a lower cost.

Florin is a full-stack insurance carrier where a model does the underwriting. When a submission comes in, Florin reads the ACORD forms, then investigates the risk on its own: satellite imagery, permits, public records, even the insured's Instagram, and catches exposures that never make it onto the application. It then simulates tens of thousands of ways the policy year could go, prices the risk, and returns a bindable quote in under a minute instead of weeks. The team is ex-Google, Tesla, Amazon, and Terrafirma, and the bet is that a carrier built this way wins on loss ratio, speed, and cost at the same time.

Levocred AI is the Bloomberg of loans: AI agents that run and price a lender's book. One fund cut the time to mark its book from a week to two hours and now names us as data agent, the system of record, in its loan purchase agreements. $22T of US loans never trade because nobody can price them efficiently and defensibly. We fix pricing first by deploying inside lenders. Trading follows, the way it did for bonds.

Agentcard.sh is a debit card for AI agents. Agents can use Agentcard’s API to issue cards and pay for things online autonomously.

Capital allocation is becoming a more important part of individual economic life. Finance is moving toward a global, onchain, 24/7 future with thousands of markets trading at once. The asset management industry is built around the scarcity of financial expertise and the cost of organizing people around capital. Institutions cover global markets by employing analysts, researchers, and quants around the clock. AI turns this organizational capacity into software. Instinct is building the harness for this transition. Instinct is a proactive team of agents that searches thousands of markets, investigates opportunities, and operates 24/7. The individual becomes the portfolio manager, Instinct becomes the investment firm operating around them. As institutional advantages become widely accessible, the edge concentrates in each trader’s worldview, judgment, and bets. The first one-person investment firm managing $1 billion will emerge within two years. It will run on Instinct.

ValCtrl is building the intelligent prediction market: users type any public, resolvable belief about the future, ValCtrl structures it, prices it, and lets them trade it. Today’s prediction markets only support pre-listed questions, leaving user beliefs fragmented across venues, contract wording, rules, and proxy markets. ValCtrl’s world model maps typed beliefs to relevant market signals, evaluates basis risk, prices the claim, and moves toward model-priced liquidity where ValCtrl can take the other side with risk and compliance controls. We are starting from hard belief-to-market queries and building toward a market where anything that can be resolved can be priced.

Soria is an AI-native Financial Terminal for investors who specialize in a particular sector, starting with healthcare. Our agents convert hundreds of the most important public and private sources into an always-on financial model, reviewed by domain experts and delivered to hedge funds, banks, and asset managers through a terminal UI, MCP, API, warehouse sync, and research feed. Unlike our competitors, we own the data layer and expand bottom-up, one sector at a time - additionally our agents proactively do research on behalf of our clients without them lifting a finger or sharing any data.

We are changing the way that people pay... Founded by: Saket Joshi: www.linkedin.com/in/saket-dattatray-joshi/ Mordi Shadpour: www.linkedin.com/in/mordi-shadpour/

River Markets is the prime brokerage for prediction markets. We aggregate every major event-contract venue into one account, giving professional traders best execution, portfolio and order management systems, and a unified API.

Allowance lets AI agents make purchases on a user’s behalf without ever exposing your real card number. Users approve purchases directly from their iPhone with customizable controls like spending limits, merchant restrictions, and expiration windows. Once approved, Allowance generates scoped, one-time payment credentials designed specifically for that transaction. This enables AI agents to safely complete tasks like shopping, ordering food, booking reservations, or purchasing tickets while keeping humans in control of every payment.

Founded by former WorldQuant portfolio manager & head of event driven systematic strategies Jeremie Cohen, KelAI is building the autonomous alpha engine for hedge funds, traders and institutional investors. Investment teams now have more data, tools and compute than ever, but research still runs across siloed systems and inefficient workflows. KelAI turns that fragmented process into a compounding AI-native engine that continuously finds, tests and validates trading signals at a pace no human team can match.

Hedge is an AI-Native specialty insurance company. We help insurance brokers find faster, cheaper, and better coverage for their customers.

HEVN is a B2B financial platform built for global commerce. We solve the last-mile problem in cross-border payments by working with licensed local payment service providers and settling transactions through domestic payment rails instead of relying on international bank transfers. HEVN helps importers and exporters move money between jurisdictions with fewer intermediaries and faster, more predictable settlement.

Archer is the financial infrastructure for the AI data economy. We’re building global payouts, stablecoin banking, and yield infrastructure for the companies supplying data to frontier AI labs. As demand for high-quality data grows, millions of contributors around the world are generating, labeling, validating, and improving the datasets that power modern AI systems. Yet the financial infrastructure behind these platforms remains slow, fragmented, and expensive. Archer enables data marketplaces, AI labor platforms, and reinforcement learning environment providers to onboard workers globally, pay contributors instantly, and earn yield on idle balances. Today, companies use Archer to manage contributor earnings, global payouts, and treasury operations across hundreds of countries and payment corridors. We believe the next generation of AI companies will need purpose-built financial infrastructure. Just as cloud providers became the backbone of software, Archer is building the financial layer for the global workforce powering artificial intelligence.

Huscarl is building an autonomous AI actuary to enable self-insurance for corporations. Large companies use insurance subsidiaries ("captives") to self-insure their risks. Some of these captives are larger than regional insurers. We provide them the actuarial and modeling layer to operate and grow. We're building a future where self-insurance is the default, and commercial insurance the exception. This is the best way to solve the inefficiencies of the $1T corporate insurance market.

TLDR: Mount is building the AI insurance carrier, starting with liability coverage for deployed AI agents. As everyone moves AI Agents into production and gives them more responsibility, we help businesses insure and secure them. Whenever responsibility shifts from human operators to autonomous systems, so too does the liability that accompanies it. The systems also introduce new risks: agentic software failures, prompt injection attacks, autonomous workflow errors, data leaks, and more. Legacy insurance was not built for this. Existing policies are often silent, ambiguous, or exclude autonomous software, and traditional insurers lack the data and technical capability to assess deployed AI Systems. Our first product, the Mount AI Liability Policy, is built for mid-market and enterprise companies deploying autonomous AI agents in real business processes. We scan and red-team AI deployments, quantify operational risk, help fix vulnerabilities, and insure the residual risk with purpose-built AI liability coverage. Mount is best thought of as a highly automated version of today's commercial insurance carriers, which run on manual workflows, layers of intermediaries, and tens of thousands of employees. AI enables automation of underwriting, pricing, policy issuance, claims, fraud detection, customer support, and distribution. We believe that the best way to use this opportunity is to rebuild those processes from the ground up.

Klaimee is the first insurance for your AI agents. It covers what traditional E&O and cyber explicitly carve out, so you can deploy agentic AI at scale with real peace of mind. Built for companies deploying agentic AI, self-serve from day one. The problem: AI agents are taking actions autonomously buying, emailing, modifying sensitive data. AB 316 already holds deployers liable. EU AI Act enforces in August. Cyber and E&O insurance are excluding AI claims. Companies shipping agents have zero coverage and no third-party proof their agent is safe. Enterprise legal asks "who pays if your agent breaks something?" and there's no good answer. We built the answer. Critical-category risk evaluation, certification, financial guarantee, liability insurance and the documentation enterprise procurement needs to sign off. Team: Ines (ex-General Manager at SafetyWing, grew insurance product from $5M to $60M revenue, 5 years launching insurance products from scratch and structuring a TokioMarine MGA into its own carrier) + Julien (AI software engineer + corporate strategy, enterprise compliance). We understand how insurance works, what enterprises require, and why startups can't wait 6 months for either.

Mochatrade lets global traders trade top US stocks using perpetual futures. Access all US stocks including TSLA, NVDA, and AAPL, plus pre-IPO companies and commodities, no US brokerage account needed. Money in and out in local currency (UPI in India), with professional-grade execution on the world's most liquid equities. Starting with India (140M+ demat account holders), expanding across other markets. Backed by Coinfund, Coinbase, and Y Combinator.

Standard Signal is the first hedge fund that researches and executes trades purely with AI. Our custom models discover and trade on new fundamental truths about the world before humans can.