Financial Technology and Services Startups funded by Y Combinator (YC) in New York 2026

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.

Autonomous is a superintelligent financial advisor at 0% advisory fees. Today, managing your money means one of two bad options: DIY your money: You end up with accounts everywhere (401k, IRAs, brokerage, crypto, savings, equity, secondaries). Your spreadsheet is always wrong. You make expensive mistakes because this isn't your full-time job. Hire a financial advisor: They'll manage your money and charge 1-2% of assets annually. Run that math over multiple decades and you're handing over half your net worth to fees. Neither path can economically deliver the sophisticated, personalized strategies the ultra-wealthy use to compound wealth: strategic tax-loss harvesting across individual securities, systematic risk management, portfolio-backed borrowing to defer capital gains, access to alternatives, etc. These aren't secret – they're just economically impossible to deliver at scale through traditional human advisors. Robos were supposed to fix this, but they were designed in a pre-AI world. In practice they just manage cookie-cutter portfolios. They don’t coordinate across your 401(k), taxable accounts, mortgage, equity, and cash flow, they don’t help with real decisions like job offers, windfalls, or concentrated stock, and they don’t deliver institutional strategies. That’s why, even after a decade plus, the biggest robos are still <$100B AUM while old-school advisors like Raymond James / Edward Jones sit on trillions. We’re doing for financial advising what Robinhood did for brokerages. Think of it as a full-stack, AI-native wealth strategist that brings billionaire-style playbooks to ordinary investors. Autonomous is built around a frontier-scale reasoning engine—an AI that perceives global events as they unfold, understanding their deeper implications for markets and and most importantly, how these events will impact your investments.

Fernstone is a full stack insurance brokerage: we combine AI with licensed brokers to obtain complex insurance faster, and at better terms. Today, we manage risk for 100+ businesses in construction, security, and logistics.

Freeport turns the sources you already trust (starting with Twitter) into a tradable feed. Our AI analysts track breaking news across social and financial media, distill what matters, and translate it into actionable trade ideas so you’re never late when markets move.

Acolite builds AI teammates that handle submissions, issuing COIs, and SOV mapping across any AMS. Like an extra teammate, you simply forward an email and Acolite handles the rest.

First regulated exchange for compute

Karsa is a stablecoin neobank for over 100M people in emerging markets. We enable people to buy dollar-denominated stablecoins, save money in US bank accounts, and spend anywhere with a Visa card.

Keye is an AI software that lets private equity firms do due diligence for acquisitions faster and more accurately. Our customers can evaluate 10x more deals and fund better companies which leads directly to better returns/more alpha. -- Our system is the first of its kind to instantly generate complex, comprehensive data packs from raw data in any format, directly from the data room. This enables investors to gain an 80% understanding of a potential deal within moments, empowering them to say No to a deal earlier in the process and focus on high-potential opportunities. Traditionally, creating these detailed data packs—like cohort or retention analyses and customer roll-forwards—takes weeks, during which critical details may be overlooked, potentially costing funds millions in missed insights and poor decisions. -- Keye combines cutting-edge AI with deep private equity expertise to deliver powerful, multi-layered insights that go far beyond the simple summarizers and search functions offered by other tools. Our platform dives deep into both quantitative and qualitative due diligence data, offering high-impact analytics crafted specifically for private equity workflows. This isn’t just automation—it’s a purpose-built solution that uncovers actionable insights, fueling smarter decisions and driving true alpha.

Bayesline is building a GPU-powered financial analytics suite for institutional investors, like hedge funds. Clients use our cloud deployed solution to build custom analytics in seconds, having previously been frustrated with off the shelf solutions that don't generate any alpha. What used to take weeks or months now happens near instantly. Sebastian, CFA (ex Bloomberg Quant & AI Research) and Misha, PhD (ex BlackRock Managing Director) met while working at BlackRock in 2016. With a combined 20 years of experience in the space they set out to change the way the industry uses analytics - from one size doesn't fit all to truly tailored to clients' needs.

TradeFlow is AI-powered settlement for financial securities. During her time in financial services, Taryn saw firsthand how inefficient and costly it is to settle trades. Historically, it’s been difficult to improve this process because it’s heavily reliant on manual emails, disparate systems, and inconsistently structured data. However, the advent of powerful AI technology allows us to unlock greater automation than ever before. TradeFlow empowers back offices to do more with less by offloading these time-intensive tasks to AI.

Elayne an AI-powered estate settlement platform that helps families settle an estate with clarity and speed using AI plus expert review. We turn scattered accounts, paperwork, and deadlines into a structured workflow: asset discovery, document intake, next steps, and status tracking. Elayne generates a verified step-by-step action plan based on institution and jurisdiction requirements. Families track progress in one place, share a single source of truth with executors and advisors, and move cases forward with fewer calls, forms, and surprises.

FINNY is the AI-native organic growth engine for financial advisors, focused on helping them grow their practices Our goal is to empower financial advisors to reach the right potential clients at the right time, with the right message. We are building a world where anyone who wants financial advice can connect with the right advisor, while helping advisors ensure organic growth, the most existential problem advisors face. The organic growth process has historically been highly inefficient and full of noise. Advisors often waste 60+ hours of business development to convert 1 new client. At FINNY, we are certain we can do better with AI. With our tool, advisors can: - Identify prospects within their target niche, aggregating thousands of data points per lead - Prioritize prospects based on their predicted likelihood of converting using F-Score, a score unique to each advisor and prospect pair - Automate the outreach and meeting scheduling with their high priority prospects In essence, FINNY does all the rote work for the advisors, letting them focus on what actually matters: the client relationship.

TokenOwl aggregates financial accounts in one place with trustless AI. It lets highly active traders calculate taxes with greater accuracy and generate AI powered insights about their portfolio. Users can execute trades with prompts, build custom dashboards, and query their logs in natural language.

Consul is building the future of payouts for the online economy. We make it easy for marketplaces, agencies, and startups to make payouts using stablecoins.

Greenboard is building a singular, AI-powered platform to handle management of the entirety of financial firms’ compliance programs, and eventually all back office processes. Today, financial institutions use Greenboard to detect risk using AI and to rip out and replace the bad legacy back office tooling they have wanted to get rid of for years. Greenboard's mission is to enable financial institutions to operate their back office teams at a higher standard, with half of the headcount. We’re starting with compliance

When a lender gives out a car loan, they need to file a lien with their borrower’s DMV. This is difficult because the process varies by state and county. We’ve leveraged LLMs to help lenders automate lien filings for over $1B of loans.

We are rebuilding the core infrastructure behind corporate health insurance, everything from care navigation, analytics, claims, and more. Fully cloud-native and AI-first. We are eager to directly impact the health and savings of 60% of the American population.

Dataglade is the smart way to research stocks. Our AI generates clear analyses and financial models for any public company, and our fundamental data fulfills almost every research need. We save investors hours every day by eliminating the need to manually dig through financial filings. Customers trust our reports because every number is backed by citations to our proprietary financial data warehouse. We inform $1+ billion of trades every day, and we’re just getting started. Check us out at dataglade.com.

Alphawatch AI offers a secure document agent that allows you to manipulate and convert PDF and Word files, along with your internal knowledge in your knowledge base.

Hadrius allows regulated financial firms of all sizes to consolidate and automate their compliance processes using AI in one platform. Today, we're securing compliance for $3T+ AUM across our clients. We're building the AI that will regulate the US financial system and the trillions that flows through it.

Blee easily integrates across the content creation workflow, combining instant feedback and faster approvals with scalable review and recordkeeping. Helping companies maximize revenue by moving faster to market while minimizing risk

[The AI-native insurance broker](https://www.coveragecat.com?utm_source=bookface) fixes your coverage and finds cheaper premiums. We provide both AI and human support so you can get fast answers on your policy and quickly get a response from a human agent so you can protect you assets or close on a new home. The AI-first approach drives core search, support and shopping experiences to ensure you get the best prices with the correct coverage.

Capix makes finding private equity firms fast and accurate by aggregating and enriching data from multiple sources into one customizable platform.

[Axle](https://axle.insure/) is the AI-native clearinghouse for property and casualty insurance. Our infrastructure and AI agents automate complex insurance workflows for third parties including verification, monitoring, and policy updates. We've helped Fortune 500 businesses like Rocket Mortgage, Avis, and Experrian speed up workflows by 95% while recovering over $220M in potential losses. Axle is backed by Gradient, Y Combinator, and the founding team of Plaid.

EthosX is a decentralized finance platform creating end-to-end financial derivatives on blockchains. No centralized exchanges, clearinghouses, depositories, clearing banks, CSD participants etc. required. We are starting with cryptocurrency options first, with the intention to move towards other crypto derivatives and traditional finance derivatives eventually. For example, one can buy a bitcoin hedging token directly from EthosX without involving any exchange or counterparty and earn profits when the bitcoin price is falling (similar to a put option). It is perpetual and is completely on-chain, end-to-end. It is held as a token in wallets and can be sold/transferred to anyone at any time. At institutional level, using EthosX’s options infrastructure two hedge funds can trade high-value on-chain options with each other directly without involving any banks or brokers with zero counterparty risk and zero settlement risk. We are also providing derivatives infrastructure to other crypto companies who want to use these products as a part of a larger package to their customers. Global derivatives ecosystem is broken. Derivatives trading in traditional finance has way too many gatekeepers and intermediaries. Crypto was supposed to be free of these issues and a solution to all of this, but it is itself getting more and more centralized with disastrous consequences. We at EthosX intend to pick the best of both worlds and change the way retail and institutional financial derivatives are traded world over.

Pasito builds AI agents for insurance and benefits—transforming how benefits are built, delivered, and experienced. Our Core AI ingests and understands plan documents and employee census data to build structured benefit intelligence. Our Engagement AI Agents orchestrate complex workflows—powering decision support, plan comparisons, guides, highlight sheets, microsites, communications, claims reminders, RFP management, document audits, translations, and more—all from a single intelligent database. With Pasito, carriers, brokers, and benefits vendors eliminate manual work, accelerate growth, and deliver the personalized benefits experiences employees deserve—all powered by compliant, scalable AI systems. Backed by Y Combinator, Core Innovation Capital, and other leading investors.

Chariot is building the financial infrastructure for the $326 billion donor-advised fund (DAF) market, the fastest-growing segment of philanthropy. Our gift processing platform is an end-to-end solution for managing DAF payments, making it easier for grantmakers to send grant payments and nonprofits to receive, reconcile, and enrich their donation data. Chariot also powers DAFpay, the industry’s first integrated DAF payment option and a TIME’s Best Invention of 2025. It is embedded on over 100,000 nonprofits’ donation forms—including American Cancer Society, Memorial Sloan Kettering Cancer Center, and University of Pennsylvania—and is a primary payment option on leading fundraising platforms like GoFundMe and GiveButter. Hundreds of millions are already moving through Chariot’s platform, and we’re just getting started.

Sunlight is an API to change the card-on-file with apps and subscription services. Fintechs use Sunlight to automatically make their cards top-of-wallet as soon as they're issued. Merchants, service providers and subscriptions-based businesses everywhere now offer their customers the ability to save a debit/credit card on file, so they can pay their bills on time, buy in one click, or earn rewards. In 2021, 79% of consumers worldwide reported already having at least one payment card saved with a service or being open to doing so. In recent years, card-issuing as-a-service has become mainstream: any company can now start their own card business in a matter of weeks. Last year, the number of new payment cards issued was at an all-time high. For users, however, switching banks or opening a new card now comes with an additional hurdle: they need to update their payment info across the internet. On the other side of that equation, card issuers have no visibility or control over the card-on-file updating process, and as a result struggle to get their new users to switch their spend from their old card to the new one, leading to low conversion rates and missed revenue opportunities. Until Sunlight. With our universal get-your-card-on-file API, FIs can now offer their users, at any point in their journey, a quick and easy way to update their debit/credit card info everywhere they shop or pay online, without ever leaving their Apps. The Sunlight API works on every platform that has a card-on-file option (think Uber, Amazon, Netflix, DoorDash, Starbucks and so many more…), is as seamless as a Plaid connection, and always gets the card number and CVV code right on the first try!

PolicyFly empowers insurers to sell and manage specialty insurance in minutes instead of in weeks. Every year, $200B of specialty insurance like Cyber, Flood or Trucking is processed over email between agents and insurers – PolicyFly connects both parties to automate these workflows and to consolidate all data. We bring growth, efficiency and transparency to otherwise hard to insure markets.

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

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.

Postal offers a modern virtual mailbox for businesses. Postal provides an official address for government, IRS, and vendor communications so companies don't have to use an apartment / shared office address. Postal's AI summarizes mail and recommends compliance actions, and its marketplace of service providers are ready to perform the mundane compliance work that otherwise falls through the cracks. Companies get 6 months free (a $300 value), plus three free hours of compliance services (a $600 value).

Gauss is building an AI credit agent that automatically lowers the cost of consumers’ debt. The product connects to a user’s credit profile, continuously monitors balances and available offers, and executes refinances or restructurings when it can materially improve terms. For credit card debt, Gauss can track and automatically pay off any expensive balance on connected cards from an instantly originated line of credit, saving users thousands of dollars on interest charges and helping them pay off faster.

Stock Unlock is an investment education and analysis platform, built by retail investors, for retail investors. We make it easy for noobies to start their investment journey, and save time for the pros. We are building THE place for investors to learn, grow, and invest confidently.

The goal of Vantedge AI, formerly known as 8vdx, is to provide an Agent Marketplace of curated agents to enable investors to get an investing edge to generate alpha by leveraging AI. Our insight to build this marketplace comes from our experience from running a credit hedge fund for 15 years and as a Y Combinator backed startup, we understand the complexities of AI and are here to offer a complete infrastructure to funds and startups alike. Our platform is built to serve the investment community with the highest security, compliance, and infrastructure tailored for institutional investors.

Spade is the next generation of fintech infrastructure. We’re building a financial data enrichment API purpose built to empower our customers to uncover the truth hidden within their transaction data. We use our vast, ground-truth merchant data set to decipher cryptic transactions, helping customers underwrite, detect fraud, build better banking infrastructure and get a unique understanding of their users’ spending habits.

One platform to put your alternative assets on autopilot.

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.

Mine is the personal finance app designed to help you get ahead. Founded on the idea that financial independence begins with ownership — of your money, your momentum, and your decisions. We make the credit-builder thousands know and love, with budgeting and spend tracking features meant to help your money be the best version of itself. We’re also the makers of MoneyGPT, the money assistant that’s got your back. Young people today are stepping into a financial world built for someone else’s life. We give young adults the confidence and control to take charge of their financial journey with simple tools, smart guidance, and a system that works for the path you choose. Let’s build your future together. Get started at usemine.com Backed by Kleiner Perkins, SV Angel, Liquid 2 Ventures, and the founders of Handshake, Postmates, Public.com, Motive and many more.

Repool makes it easy to launch and operate private funds, like Carta or Juniper for hedge funds. We build modern back office software and services to modernize and simplify launch, fund administration, and LP onboarding.

Haven is re-imagining the $11 trillion U.S. mortgage industry, with a focus on engaging the 53 million homeowners with a mortgage. The incumbent technologies used by mortgage lenders and servicers are decades old, and the borrowers who are served by them increasingly demand modern digital experiences and frictionless financial products throughout the home journey. Haven’s mission is to deliver them at a transformational scale, and to improve lives in one of the world’s largest asset classes. The company is well capitalized and backed by top fintech and mortgage venture funds and led by seasoned veterans of tech startups and financial marketplaces.

Gerald is a Buy Now, Pay Later (BNPL) and cash advance app that provides users with financial flexibility without any fees—no service fees, no transfer fees, no interest, and no late fees. Unlike competitors that charge hidden fees or penalties, Gerald ensures users can shop now, pay later, and access cash advances without extra costs. Gerald is on a mission to eliminate stress about paying bills, and provides: Zero Fees—Ever – No interest, no late fees, no transfer fees, and no subscriptions. Buy Now, Pay Later (BNPL) with No Hidden Costs – Users can shop now and pay later with no interest or late fees, making purchases more manageable. Free Cash Advance Transfers – Users who shop using BNPL unlock free cash advance transfers with zero costs—no hidden fees, no percentage cuts, and no instant transfer fees. Instant Transfers for Eligible Users – Unlike other apps that delay transfers or charge extra for speed, Gerald provides instant transfers for eligible users at no cost. iOS: https://apps.apple.com/us/app/gerald-cash-advance-app/id1569801600 Android: https://play.google.com/store/apps/dev?id=8069558551988887008&hl=en_US

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.

Dripos is the only piece of software a coffee shop needs to run their business. We offer point of sale, employee scheduling, mobile ordering, and more to the 100,000 cafes in the United States.

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.

Upflow is building cutting-edge technology to transform how B2B businesses get paid by their customers, and grow profitably. B2B payment remains super painful for both suppliers and customers in 2025. Through a one-click integration with major financial software (Netsuite, Sage Intacct, Quickbooks) it provides finance and business teams with: 1. A better understanding of their cash collection performance through powerful analytics 2. An intuitive platform for all teams (finance, sales, success) to collaborate around cash collection, turning archaic spreadsheet processes into systematic, personalized cash collection processes. 3. A platform to bring modern payment methods to customers and recreate a consumer-like checkout experience with one-click payment. Overall, Upflow drastically improves cash collection rates and turns revenues into cash in the bank faster and simpler. The best B2B tech companies, such as Front, Lattice, ProductBoard, rely on Upflow to manage their cash collection. If you're a CFO, Controller, or Finance Ops, check out our free Discover product to run an audit of your cash collection in 5 min: https://insights.upflow.io/en/discover-upflow

Coco Wallet is a global money app that lets users send, spend, save, and earn in digital dollars. It combines the simplicity of a neobank like "Revolut" or "Nubank" with the freedom of Web3. Giving anyone instant access to stable, borderless money without relying on banks.

Fynn helps people afford trade school in the US. We bring fair and affordable private loans to the trade space, to help students pursue in-demand careers like electricians, nurses, welders, or pharmacists.