YC Winter 2022 Fintech Startups

Investing app for Muslims

A multi-asset trading platform dedicated to retail investors

Payments & Loyalty Infrastructure

Banking & Funding for Startups

Liability insurance for generative AI and AI Agents

Multibank treasury management

Single account to manage money across the world

AI-native crypto hedge fund

Financial health focused micro-lender in Mexico

Easily invest like the rich

Enable Buy-Now-Pay-Later in a White-Labelled Manner

Wills and Estate Management for Crypto

Investment super app for Latin America

Corporate Expense cards and Spend management for businesses in Africa

All-in-one spend management for businesses in Latam

Crypto wallet for web3 startups

Innovative insurance solutions for underserved markets.

Clear.co for LATAM. Revenue based financing for online sellers.

AI-Powered Infrastructure for Insurance & Healthcare

Crypto Neo-Bank (WhatsApp moment for bank accounts)

Enabling banks have a fintech-style loan origination process

Venmo for B2B in Africa

Eazipay powers effortless payroll and financial access in Africa.

US based USD accounts for non-US residents

Robo-advisory platform for Pakistan

Banking in India for Indian expats (NRIs)

Grow money and win $1000 every week by saving and playing games

Flexible Workplace Savings plans for SMEs in MENA.

AI powered personal finance app for Indonesia

Financial technology solutions for Indonesian creative businesses

Intelligent Process Automation for Lending.

AI agent that helps consumers lower the cost of debt automatically

We help underbanked workers get paid before payday

AI-Native Spend platform built for Real Estate businesses

Building the next generation of wealth

GoSats helps you earn free bitcoin when you shop in India.

Banking services for remote workers and digital nomads

Agentic AI for buy-side firms

We let customers "Buy Now Pay Later" on any store in Europe.

Empowering businesses to grow.

The next-gen lending platform for the banking system in LATAM.

Carta for Web3: token vesting and DeFi investment management.

Mahaana is first & only licensed digital wealth manager in Pakistan

Building a full-stack auto insurer for the underserved in LatAm

Embedded finance infrastructure for LatAm enterprises.

All in one finance platform for borderless businesses in Africa

AI Deal Screening Analyst for Commercial Real Estate Acquisitions

Working capital for African micro businesses

A modern and more accessible private bank for the new generation

Banking for Gen Z, on steroids.

Working capital for Brazilian restaurants

Unlock African payments

Simplified Banking as a Service for Latam

Credit Card for college students based on UPI.

Agentic workflows that automate your back‑office operations

Financing the next-generation of infrastructure projects

Simplifying loans with your friends & family.

WealthFront of Indonesia

Financial tools for cross-border trade

Modern Investment Product for 100m underserved Europeans

Seamless Fiat Payments for Web3

Modernizing Specialty Insurance

An AI native virtual address & mailroom for businesses.

A futures market for events.

Group Financing for small businesses across Africa.

Financial infrastructure for the Americas

B2B Cross-Border Payment & Compliance Platform

Accidental Death Insurance for Surgery

AI Operations Partner for Mortgage & Banking

Banking 100% in Spanish for the 44 million US Spanish speakers

A global finance automation platform for complex multi-entity…

Plaid for trading

Automated sweep account, invest without the stress of speculating

Spade is the data and AI platform for modern finance.

Find a home you can actually afford

Web-app | investment education and analysis tools for retail investors

Control All of Your Investments from a Single App

The simple, fast and free tool for businesses to pay and get paid

Payments & analytics for apps in the OpenAI GPT Store

Digitizing and processing Microtransactions in Africa

Brex for small businesses in Indonesia

Brex for D2C Brands and Content Creators in Indonesia

Embedded finance platform for LatAm.

FundOS — AI operations for fund managers

Vendy is a marketplace on WhatsApp

Software for tattoo artists and studios

Advance next payday, and BNPL for bills

Transforming Finances, Maximizing Your Money Potential.

Affirm for LATAM