YC Winter 2026 Fintech Startups

Y Combinator's Winter 2026 batch included 18 Fintech startups. Of these, 18 remain active, 0 have been acquired, and 0 have shut down.

• Instinct (5 people) — Trade your instinct
• Proximitty (2 people) — AI operating system for commercial loans
• Valence (3 people) — Unified prediction markets trading platform
• Copperlane (2 people) — Agentic Mortgage Origination
• Unifold (3 people) — Multi-chain deposit and payment infrastructure
• Verdex (2 people) — AI Verification for Insurance
• Palus Finance (2 people) — Your startup's financial advisor
• Maywood (5 people) — The first finance-compliant proactive AI that runs 24/7
• Grade (2 people) — API for performance-based payroll
• ZeroSettle (2 people) — Drop-in Direct Billing SDK for In-App Purchases
• Panta (3 people) — AI Native Commercial Insurance Brokerage
• Axis (2 people) — An AI Copilot for Trading Desks
• Forum (2 people) — The first exchange to trade on attention.
• Sequence Markets (5 people) — Low-latency execution across crypto, prediction, and tokenized assets
• Alt-X (2 people) — Building the best venue for private markets exposure.
• Kita (2 people) — Automate credit review for lenders in emerging markets
• Fenrock AI (2 people) — AI agents for banking back office
• SpotPay (2 people) — Stablecoin Global Bank Account