Who competes with Sivo?

Sivo competes in the Fintech category against Pesto, Tally, Laminate, Satchel, TaoFi and other Y Combinator-backed companies.

Sivo alternatives: 12 options compared

Q: What are the best alternatives to Sivo?

The closest alternatives to Sivo are Pesto, Tally, Laminate. This page compares 12 alternatives on what each one does, funding stage, team size and operating status.

Q: Which Sivo alternative should I choose?

Pesto is the closest match to what Sivo does. Larger teams in the comparison table generally offer more support and a longer track record, while earlier-stage companies tend to compete on price.

Q: Is Sivo still active?

Sivo is currently listed as Active in the Y Combinator directory.

TL;DR: If you are replacing Sivo, the closest options are Pesto, Tally, Laminate. The table below compares 12 alternatives on what they do, stage, size and status.

Every alternative below is compared on what it actually does, not just its category — so you can see which one genuinely replaces Sivo (YC Winter 2021).

Last verified: 2026-04-21

What are the best alternatives to Sivo?

The three closest alternatives to Sivo are:

Pesto — works in the same Fintech category (YC Winter 2021).
Tally — works in the same Fintech category (YC Winter 2025).
Laminate — works in the same Fintech category (YC Winter 2023).

Sivo alternatives compared

Alternative	What it does	Stage	Team	Status
Pesto	—	YC Winter 2021	8	Active
Tally	—	YC Winter 2025	2	Active
Laminate	—	YC Winter 2023	—	Active
Satchel	—	YC Summer 2018	8	Inactive
TaoFi	The financial layer for decentralized AI	YC Winter 2021	11	Acquired
Audun	AI-native debt collection	YC Summer 2026	5	Active
Facio	Salary advance to employees in Brazil.	YC Winter 2020	36	Active
R2	Embedded lending infrastructure	YC Winter 2021	100	Acquired
Carbon-12 Labs	A Global Payouts API for Startups	YC Winter 2020	—	Inactive
Nexu	Financing platform for LatAm car dealerships.	YC Winter 2020	63	Active
CredPal	CredPal is a buy now pay later company in Africa that allows…	YC Winter 2019	35	Active
Kredi	Rocket Mortgage for LatAm.	YC Winter 2021	66	Active

Which Sivo alternative should I choose?

It depends on your size. Pesto is the closest match on what Sivo actually does. If you need something more established, sort the table by team size — larger teams generally mean more support and a longer track record. If budget is the constraint, the earlier-batch companies are usually the ones still competing on price.

Is Sivo still active?

Sivo is still operating, so switching is a choice rather than a forced migration. Compare on fit and price rather than urgency.

How was this list put together?

Every company here is Y Combinator-backed and was matched to Sivo on what it actually does — its own description of its product — rather than on a broad category label. Batch, team size and operating status come from the YC directory and are shown as-is. We do not rank by payment.

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