Neobank Startups funded by Y Combinator (YC) 2026

HEVN is the automated USD account for global internet companies, built for humans and AI agents. Every international company today runs a fragmented finance stack: Mercury for US banking, Wise for FX, Deel for payroll, and Stripe for revenue. Legacy banks can't be automated, can't move at internet speed, and can't be operated by software. We believe every modern company will need a second account - one built on stablecoin rails, accessible via API, secure by design for autonomous code, and covering all operational primitives of a global business. HEVN is that account: receive USD globally, hold treasury in USD/USDC, and run every payment operation a global business needs - invoices, contracts, contractor payouts, vendor payments, payroll - in local currencies through local banks worldwide, with a single click or API call. Team previously built HOT Labs - 15M users, $100M TVL, #1 crypto app on DappRadar for 8 months. Operated companies across SF, UAE, BVI, and HK, and felt all the pain of global payments automation ourselves.

Goldbridge is building the financial operating system for the largest asset class in the world – real estate. More than $1T in rent flows through landlord bank accounts annually, with roughly a quarter locked in idle reserves and security deposits – and billions more leaking from unnecessary property expenses. And with $2.5T in real estate loans about to mature in 2027/28, property owners are desperate to boost their income ASAP. Goldbridge solves this problem by creating the first AI-powered banking platform for real estate owners. We are backed by Y Combinator and other world-class investors, and our founding team includes a 2x YC founder, former White House advisor, and 100-unit real estate owner/operator with deep industry expertise. Come help us redefine the future of real estate.

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.

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.

US consumers within the risk appetite of prime lenders are served by the most competitive and efficient consumer lending marketplace globally. However, once you fall outside of this as a borrower, market efficiency breaks down and incumbents take advantage of low levels of competition to price gouge. We're fixing this.

Lucible is a combined checking and investment account that allows you to invest 100% of your money while still being able to spend it. Whenever you spend, we issue a loan in real time, using your investments as collateral, to cover the cost. This is the most capital and tax efficient way to manage your money. It's what the ultra wealthy already do to finance large purchases, and now you can do it for every day spending.

Polar helps remote workers, freelancers, and ship crew manage their USD earnings globally. Using Polar, you can: 1. Get a U.S. bank account in minutes with just your phone and local ID 2. Send money to 120+ countries faster and cheaper than alternatives 3. Earn 2-6% interest on USD savings 4. Invest in gold, Bitcoin, and Ethereum 24/7, starting with $1

Cleva enables African freelancers and businesses to receive international payment for their service, while protecting themselves from local currency volatility. With a Cleva USD account, one can easily receive USD payment from anywhere in the world, spend via a card, pay bills, convert to local currency, and save in USD to hedge against local currency volatility.

Envelope is a banking app with built-in budgeting. It's similar to Mint, Copilot, or Rocket Money, but our app issues you a checking account during onboarding so there's no syncing or flaky bank connections. We are structured to be the primary checking and savings account for our users. We (Josh and Katelyn) are married cofounders who previously worked on Apple Card and the Robinhood iOS app. We started Envelope because we were using clunky tools like the Chase app, spreadsheets, and Mint to run our family finances and realized we could build something better. In the future, you could go set up a Chase account for checking, E-Trade for investing, SoFi for savings, Ally for money market, Greenlight for kid cards, PLUS the Mint/YNAB/Rocket Money to glue it all together + budgeting, or you could just use Envelope. _Envelope is a financial technology company and is not a bank. Banking services provided by Pacific West Bank, Member FDIC. Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC. The Envelope Visa® Debit Card is issued by Pacific West Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted._

Coba makes it easy for Mexican knowledge workers employed by US companies to earn in US Dollars and seamlessly spend locally in Pesos. On average, a knowledge worker will lose $1,000 per year in hidden ForEx and transfer fees. In that process, their money will touch at least 3 different accounts adding time and steps along the way. These workers’ require more than simple money movement, they demand a financial solution that addresses their specific needs: banking, saving, spending - all in two currencies. Coba allows its users to not only deposit and save their earnings in a US account, but also access critical financial services at home in Mexico - from a local credit card to integrated bill pay. With Coba, remote workers can live across two currencies... efficiently and effortlessly.

Vaultpay is building a digital banking platform for 30 million smartphone users in DRC and the country's largest agent network. For example, a young Congolese entrepreneur who just won a subcontract with a major mining company can now easily open a personal and business account, receive payments, all from their smartphone, instead of spending hours at bank branches.

Theya is the world’s simplest Bitcoin self-custody app for users who find crypto exchanges risky and hardware wallets overwhelming. We are making the self-custody UX seamless with our multi-sig wallet that users can set up using smartphones, giving them the functionality and convenience of centralized exchanges without sacrificing control and security of hardware wallets. We aim to be the default consumer app for Bitcoin - offering products like accumulation, lending, investments and payments - all built on top of our intuitive self-custody platform.

Wallbit is a neobank for global remote workers, it offers them bank accounts in the US, a debit card, and an investment account to invest in bonds or stocks on the US stock market.

Our platform helps car dealers find, finance and sell more cars in the $30B African used Car market. We are building the largest auto dealership ecosystem ; powering $10Bn transactions annually

nsave is a fintech that provides trusted $€£ accounts abroad for people from countries where inflation is high and banking is broken.

The first secure, end-to-end global USD account, seamlessly integrating fiat and stablecoins across 125 countries for direct-to-bank settlement—no liquidity providers, no SWIFT, no intermediaries. Both sender and receiver use the Pana app and wallet for a frictionless, real-time cross-border payment experience.

Ping enables international contractors and freelancers to have access to a personal Dollar account in the US, a crypto account, and generate invoices to get paid. With Ping, workers make on average 4% more money and get paid the same day.

Bitstack is building a new neobank powered by crypto. Bitstack has gone from a simple product that turns your spare change into bitcoin to a bitcoin-native neobank that is bringing a better way to manage all things money, with better money. We believe getting started with Bitcoin should be simple, fun and accessible to everyone. Bitcoin is an unparalleled financial alternative: a radically new way to transact and store value all around the world. It is a new kind of currency that isn't centrally controlled by any business, government or bank and that cannot be debased. Bitcoin will redefine the future of finance, from payments to savings, and wealth preservation. It is the first open and borderless monetary network with a fixed supply of 21 million, making bitcoin the most scarce financial asset ever.

Moneco is a neobank targeting the migrant communities in Europe, starting with the African diaspora. We are making banking easier and more affordable for underserved communities, starting with a current account, a payment card and free remittances. The long term vision is to turn Moneco into a one-stop-shop where all of their financial needs will be addressed.

Treasury management platform built for multibank finance teams. Seamlessly consolidate company finances, manage payments and financial operations from a single dashboard.

Orca is banking built for Gen Z from the ground up. Send money instantly, split bills with groups, access local discounts and perks, spend and save, and do everything else you could ever ask on Orca — the only financial hub you'll ever need.

We provide US based USD deposit accounts that sit with a licensed banking partner. Elevate's FDIC-insured USD accounts offer ACH, wire inbound and outbound payments, and a free Mastercard debit card. Our regional payout partners enable our users to send their money back home at very low cost. We're targetting non-US residents in emerging markets who struggle to get paid in USD.

Boya Makes it easy for businesses in Africa to issue corporate expense cards instantly and great software to control and track spending. For example, if you run a pharmaceutical company, you can use Boya to instantly issue Visa cards to sales and marketing teams and get real-time visibility and control over their spending. 50M+ businesses in Africa have no easy way to streamline and track their employee spending in real-time. So we are building a corporate card and a spend management platform that enables businesses to streamline spend workflows and provide real-time reporting. We are building the first corporate card that supports mobile money, banks and card schemes payment workflows

All-in-one spend management for businesses in Latam. We give customers tools for bill payments, automated local transfers and corporate cards.

Grey provides US, EU, and UK accounts for remote workers in emerging markets. For the first time, western companies feel comfortable recruiting skilled workers from anywhere and Grey is making it easy for these workers to receive their salary, save in foreign currency, convert to local currency and spend.

Today we're the easiest way for our customers to get a bank account. Tomorrow we'll be the easiest way to get a credit card, auto loan, mortgage, etc. Our mission is to treat our customers as 1st class citizens and *end dial #2 for español*

Moni finances small businesses in groups across Africa. The collective responsibility of the group serves as a collateral on the loan while the social pressure from the members ensures on-time repayment. There are over 44million SMBs in Africa.  
 We launched 7 months ago and we already have $72k MRR growing at 50% MoM. We achieved 99% repayment on 11,000 units of loans with over $5M disbursed. This is 15 times higher than most financial services in Africa. 
 Femi (CEO) worked previously with the World Bank with a focus on financial services while Dapo (CTO) led the development of the technology for one of the largest digital lending apps We are also backed by Y Combinator(W22), Magic Fund, Ventures Platform, Voltron Capital and more.

Mono provides an API-first platform that lets any company in LatAm offer financial capabilities, wallets, real-time payouts (Bre-B), Visa cards, and multi-rail bank transfer without becoming a fintech.

Cash management solution that offers debit & credit solutions for SMBs in LATAM. - 24/ Multi-treasury: multiple debit accounts, payroll & services payment, wires - Corporate Expenses: dashboard and prepaid cards to control your employee's budget & expenses - Credit Card: flexible global line where you can decide to use it as a revolving line or as a simple amortizable credit in installments.

Fingo is building a pan-African digital bank. Today, most Africans pay 5-15% fees to transfer money to friends, family, or businesses - with Fingo these fees will be 90% cheaper. In 240 seconds, any young person will be able to access a full suite of financial services including personal, business, investment and savings accounts.

Finary is empowers retail investors to grow their empire by tracking, managing & investing their money on one App.

Ziina is bringing the next generation of financial services to the Middle East.

Z1 is a digital banking app made for teenagers and young adults. By using the Z1 app and a prepaid card linked to their account, teenagers can begin their road to financial independence by learning to manage and spend their money, as well as having a place to receive money they earn through jobs and small businesses.

Users save money, get over 2x the national average in interest and weekly chances to win additional prizes up to $10 million through weekly random number drawings.

Take your business to the next level

Backing innovation, building financial technology. Focused on emerging markets and leveraging people finesse with capital.

Aspire is the all-in-one finance operating system for businesses. We help companies pay, manage, and earn smarter - by doing more than a bank, bookkeeper, or rewards program could ever do alone. Our mission is to empower the next generation of entrepreneurs with the financial tools they need to realise their company’s full potential. We believe that if we can empower business owners to be successful, they will go on to make a meaningful impact to the communities we are all part of.

FAZZ is the leading all-in-one finance platform for businesses in Indonesia and Singapore. We are a b2b neobank with payment acceptance capabilities. The company is the market leader among underbanked segments such as warungs / startups and is building a super-app to serve mid-market and enterprise clients. Core features are: * Accept payments (e-wallet, bank transfer, credit card) * Business Cash Account (earn 4% interest) * Transfer / Pay (payment API's, corporate card, invoice processing via software) * Lending (instant settlement, invoice financing) * Value-add SaaS (inventory management, expense management) FAZZ processes more than $6 bn of annualized GTV for companies of all sizes (from warungs to fortune 500s) and has achieved $25 mm of annualized Revenue. The company has raised over $74 mm USD from top tier global investors such as Tiger Global, DST, Y Combinator, B Capital Group, and Insignia Ventures. The founders are ex Amazon, Grab, Quora, and Traveloka.

Credit building platform for next billion users. We offer digital credit card over UPI