YC Winter 2022 Fintech Startups

Y Combinator's Winter 2022 batch included 89 Fintech startups. Of these, 73 remain active, 7 have been acquired, and 9 have shut down.

• SnapTrade (17 people) — Plaid for trading
• Stairs Financial — Find a home you can actually afford
• digi (30 people) — Enabling banks have a fintech-style loan origination process
• Mono (30 people) — Embedded finance infrastructure for LatAm enterprises.
• Apollo (11 people) — Payments & Loyalty Infrastructure
• Kapital Bank (500 people) — Data driven neobank for SMBs in LATAM
• Momento (18 people) — Building a full-stack auto insurer for the underserved in LatAm
• Wagetap (10 people) — Advance next payday, and BNPL for bills
• Arc (40 people) — Banking & Funding for Startups
• Elevate (formerly Bloom) (7 people) — US based USD accounts for non-US residents
• Harmoney (30 people) — Agentic AI solution for fixed income, credit and portfolio analysis
• Onyx Private (10 people) — A modern and more accessible private bank for the new generation
• Orca (4 people) — Banking for Gen Z, on steroids.
• Emigre (2 people) — Banking in India for Indian expats (NRIs)
• Fintelite (20 people) — Intelligent Process Automation for Lending.
• Railbird (8 people) — A futures market for events.
• Peakflo (45 people) — Agentic workflows that automate your back‑office operations
• Rebill (10 people) — Global payments infrastructure in LATAM and US
• VantedgeAI (11 people) — Scaling investing workflows with AI
• Creizer (12 people) — Clear.co for LATAM. Revenue based financing for online sellers.
• Stock Unlock (8 people) — Web-app | investment education and analysis tools for retail investors
• Transfez (50 people) — Brex for small businesses in Indonesia
• Perl Street (4 people) — Financing the next-generation of infrastructure projects
• PayCrunch (5 people) — Credit Card for college students based on UPI.
• BharatX (14 people) — Enable Buy-Now-Pay-Later in a White-Labelled Manner
• Aspora (85 people) — Single account to manage money across the world
• Touch and Pay Technologies Limited (55 people) — Digitizing and processing Microtransactions in Africa
• Whiz (9 people) — Transforming Finances, Maximizing Your Money Potential.
• PayCaddy (20 people) — Simplified Banking as a Service for Latam
• Botin (3 people) — Investment super app for Latin America
• PolicyFly (30 people) — Modernizing Specialty Insurance
• Soon (4 people) — Automated sweep account, invest without the stress of speculating
• Streak (12 people) — A neo-banking platform for children in India
• Curacel (30 people) — AI-Powered Infrastructure for Insurance & Healthcare
• Boya (9 people) — Corporate Expense cards and Spend management for businesses in Africa
• Gauss (16 people) — AI agent that helps consumers lower the cost of debt automatically
• Magna (18 people) — Carta for Web3: token vesting and DeFi investment management.
• Sei AI — AI Operations Partner for Mortgage & Banking
• Tola (12 people) — The simple, fast and free tool for businesses to pay and get paid
• Pluto.markets (4 people) — Modern Investment Product for 100m underserved Europeans
• Grey (15 people) — Banking services for remote workers and digital nomads
• SALT (14 people) — B2B Cross-Border Payment & Compliance Platform
• Lenco (13 people) — Pan-African digital bank for Africa's 50m businesses
• Anfin (40 people) — A multi-asset trading platform dedicated to retail investors
• Plumter (12 people) — Financial tools for cross-border trade
• Elphinstone, Inc. (15 people) — Robo-advisory platform for Pakistan
• UpBanx (13 people) — Brex for D2C Brands and Content Creators in Indonesia
• Wibond (30 people) — Affirm for LATAM
• FinFlx (8 people) — Flexible Workplace Savings plans for SMEs in MENA.
• Nash (11 people) — All in one finance platform for borderless businesses in Africa
• Benson (3 people) — Easily invest like the rich
• Venue.ink (9 people) — Software for tattoo artists and studios
• Spade (25 people) — Enriched transaction data you can build on
• Partna (8 people) — Unlock African payments
• Rank (formerly Moni) (20 people) — Group Financing for small businesses across Africa.
• Pigeon (5 people) — Simplifying loans with your friends & family.
• Fello (24 people) — Grow money and win $1000 every week by saving and playing games
• Joe (12 people) — We let customers "Buy Now Pay Later" on any store in Europe.
• Top Road (2 people) — Payments & analytics for apps in the OpenAI GPT Store
• Numida (115 people) — Working capital for African micro businesses