Consumer Finance Startups funded by Y Combinator (YC) 2025

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.

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.

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 is the DeFi brokerage for wealth-oriented investors who want safe yields, no fees, and differentiated investment options. Get exposure to curated onchain enterprises, pre-IPO companies, structured credit, and other alternative digital assets.

Gaus is an AI investment advisor for retail investors. Founded by Bruno Koba (Nubank, monashees) and Daniel Tulha (Stripe, Robinhood), Gaus 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. Gaus 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.

Approval AI is an AI-powered mortgage co-pilot that automates the most complex parts of getting a mortgage: rate shopping, negotiation, and paperwork, all in one place. We automate what brokers and loan officers do, and hand those tools directly to the buyer.

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.

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.

Sunset can track down bank accounts, retirement accounts, investment accounts, property and more for families after losing a loved one. Sunset will close those accounts and move the money into a Sunset estate account to manage.

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

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._

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.

Rainmaker is an account abstraction-based crypto wallet that makes DeFi investing simple and fast. Set up a wallet with just an email, instantly deposit funds from your bank or credit card, and invest in DeFi without gas fees.

Purchase, manage, and sell US Treasury Bills seamlessly. Get direct access to government-backed treasury bills along with the flexibility of selling anytime.

Littio is a neobank focused on solving the currency devaluation problem for Latin Americans. The product offers a Savings Account, a Mastercard debit, and investing options in U.S. dollars to help people avoid the currency risk.

Aspora is a Global Neobank that lets you make international payments at live google rates, avail credit in new countries, and invest around the world. We are building a bank that is not bound by borders.

Stairs helps young Americans buy their first home. Our home search identifies homes based on their finances, and connects them to government grants, loans and tax breaks.

Gauss allows people with good credit scores to significantly lower interest rates on their credit cards while they keep using them. Users connect their credit cards to the mobile app and get a revolving credit line in under 10 minutes. Gauss tracks and automatically pays off any expensive balance on connected cards, saving users thousands of dollars on interest charges and helping them pay off card balances faster and improve credit scores.

With Soon you can invest without the stress of speculating. Our fully automated sweep account attaches to your bank and uses routine spending activity to signal market trades. By investing on a schedule and selling available gains when you spend, Soon automates investing from beginning to end. No investing experience required, no need to time the market, just connect Soon to your spending account and build wealth.

Benson helps everyday people invest like the rich by helping them identify the best stocks to invest in. We help users know when to buy, how much to invest, and even when to sell.

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*

Bloom's mission is to improve the financial outcomes of all Americans by giving them the knowledge and tools they need to achieve prosperity. Our first product is an investing app that teaches users how to build wealth through interactive financial lessons, a gamified rewards economy as well as an investing account designed for building long-term wealth. Since launching in April 2022, over 1 million users have joined Bloom and we have crossed $3MM in annual recurring revenue.

Fizz is the #1 money app for young adults. Whether you want to build credit, manage your money or have no idea where to start, Fizz is there to help you every step of the way. Download the app for free to check your credit score, get personalized spending insights and take fun bite-sized courses. Become a Fizz Member to take your finances to the next level with a debit card that builds credit. With no interest and daily autopay that prevents you from overspending, the Fizz Card is the ultimate financial hack. Fizz is backed by Kleiner Perkins, SV Angel, Y Combinator, and the founders of eight Unicorns.

marketfeed offers an automated trading platform that helps users earn returns through sophisticated options trading strategies. By connecting their broker's account, users can automate expert-developed strategies. The platform automatically executes trades, providing the potential for periodic earnings without the need for constant monitoring.

Bree is building a challenger bank for the 11 million Canadians living paycheck to paycheck, starting with interest-free cash advances. We make money through tips and an optional, same-day express fee. By solving our customers' most urgent problem—illiquidity between paychecks —our cash advance business is a cheap, but profitable and repeatable hook that builds distribution for a broader challenger bank. This represents a $9 billion revenue opportunity in Canada.

Gotrade empowers Southeast Asians to invest and trade in US Stocks, Options and ETFs.

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

Solo, formerly SoloSuit, helps Americans resolve debt. People use our first product, SoloSuit to respond to debt lawsuits and create other legal documents. Then they use SoloSettle to connect with the collector and settle the debt. We're targeting the $35B debt resolution market.

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.

Alinea is an app for new investors where we do the hard work for you. With Alinea you have a team of investment experts in your pocket.

Hapi democratizes investing for consumers in Latin America. We let anyone from Latam easily invest in stocks, ETFs and cryptos in under 5 minutes, with no minimums and no commissions.

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.

Your free money back to you with the trust of your own bank. Individuals and corporations to claim back their value-added tax globally.

Spenny is the Acorns for India. Every time a user make any digital transaction, we round off the amount to the nearest 10 INR and invest it for them into a diversified portfolio, automatically. 400M millennials in India don't invest because they don't have enough time, knowledge or access to large capital. With Spenny, they just connect the card and invest every time they spend. We're growing 67% WoW since launch, with 3,000+ users and $15,000 in AUM. Indians put $500Bn into their bank accounts annually. We charge 1.75% of the AUM for investments. That's a direct ~$9Bn market in India alone. Potentially every time a user makes a transaction, we make money. And in that sense, the timing for Spenny couldn't have been better: 1 Trillion+ transactions are expected in 2021 because of factors like Whatsapp launching its P2P payments in India for its 400M users. And the emergence of UPI means every Indian has a virtual bank account now. More interesting revenue models develop from the transaction data insights of our users. We analyse the rich data to A) up-sell more financial products like insurance etc., and B) create brand loyalty programs & partnerships. We acquire customers at minimal CAC by bank partnerships. We leverage the banks' existing users, by integrating with their mobile app. In turn, we invest into their mutual funds. Our long-term vision is to become a one-stop asset management solution for millennials.

Bamboo is the first online brokerage service that gives wealthy Africans and their wealth managers direct access to the US and global securities. We’re building Fidelity for the African continent. For wealthy Africans and their asset managers, investing in the global capital markets is cumbersome, expensive and practically inaccessible. In Nigeria, Africa's largest economy and home to 30% of all the wealth in Sub Saharan Africa (excluding South Africa), 99.99% of the investing population do not have access to invest globally. Even for the 0.01%, if you wanted to buy a US stock, you’d have to call your asset manager who would then call an international broker to execute a trade. This is inefficient & expensive! We have a mobile app that allows individuals trade the US stock markets by themselves and a brokerage tool for asset managers to execute trades directly & manage multilple portfolios seamlessly.

YearEnd helps startup employees optimize their equity and taxes, and can also file their tax returns. They simply connect their financial accounts and YearEnd will tell them how much tax they’ll owe and will make recommendations on how to make better decisions. At the end of the year, YearEnd can also file their tax return for them or they can collaborate with their existing tax accountant.

Upsolve is a tech-driven nonprofit that helps low-income Americans overcome debt and rebuild credit at scale. Upsolve was founded in Harvard Law School’s Access to Justice Lab in 2016. Since then, Upsolve has become the nation’s most visited nonprofit financial education site. Upsolve.org educates approximately 2.9 million people a year with 2,000 articles on an array of debt and credit topics. To date, Upsolve’s free DIY bankruptcy filing tool has been used by over 14,000 families to relieve over $600,000,000 in debt. Upsolve users are disproportionately Black and Brown with an average household income of $25,000. Upsolve is now launching a suite of AI tools to help low-income Americans resolve their financial distress earlier.

We offer a free US FDIC Insured Checking account, Free Credit Card (no interest rate, collateral, fees), Free AT&T SIM Card shipped to home with 40%+ cheaper plans than retail, and save thousands of dollars in remittances to our customers - all by opening a free Swadesh Account. We enable new to America expats become "American" in the eyes of the US Financial system. We're starting by serving the 150,000+ Indian expats migrating to the US each year. We have a comprehensive solution that covers banking, credit building, communication, remittance, as well as value-add services such as insurance, housing etc. along with all the standard bells and whistles of neobanks.

Keeper is AI-powered tax filing software that mimics the experience of going to an accountant. Just drop off your forms, answer a few questions, and let Keeper do the rest!

YC has written a good overview of our business on their blog: https://blog.ycombinator.com/monzo-makes-money-work-for-everyone/ Our mission is to make money work for everyone. We are the UK's leading digital bank for individuals and businesses, reinventing the traditional banking industry one customer at a time. We're relentlessly mission driven and always put our customers first - from what products we chose to launch next to our transparency and use of simple language. With a Net Promoter Score of 70+, it shows. From our founding in 2015, we now have over 7 million customers in the UK (13% of UK adults) and are building out our team in the US. We've seen incredible organic growth, acquiring 150,000 customers / month in 2022, with 80% of this coming from word of mouth. Our weekly active user rate is ~60% and ~40% of our active users use us as their Main Bank account, showing that we are a product that is embedded in our users' daily lives. We've grown to ~2,450 staff (~400 of which make up the product/tech team), and are backed by YC, Stripe, Tencent, Mike Moritz, and others. Internally, we encourage an open, collaborative, and inclusive working environment - we were voted the #1 startup where people in the UK want to work for the second year running in 2022. We contribute to open source software, and we continually engage with our wonderful community. We're hiring talented, creative problem-solvers to help us build the bank of the future. Join us!

We allow people to invest. We manage USD 1.6Bi from +180,000 customers. We are regulated in Mexico and Chile.

Delphia believes data is the key to capital formation and economic empowerment. We build products that incentivize the contribution of proprietary data in order to generate an edge in financial markets. We believe that actively managing people’s data can unlock new forms of wealth creation for individual and institutional investors alike.

SmartPath is a financial wellness company based in Atlanta, GA. We offer unique workplace financial wellness programs centered around 1-on-1 financial coaching. SmartPath wellness programs are designed to increase the bottom line for both employers and employees.

RedCarpet issues credit cards to those that banks cannot see. Currently we are one of the largest issuers of credit lines to the new-to-credit customer in India. In a population base of 800 million people with bank accounts, there are less than 40 million credit cards. By building a fullstack SDK for card issuance, underwriting as well as holding capital & collection ops, we are looking to build the Capital One of India.

Our mission is to simplify finances, save money and time for millions of Indian businesses and people. We are a technology company that builds trusted, useful and insightful platforms for our clients to run their finances and improve their relationship with money.