YC Banking as a Service

26 companies · 20 active · 27% AI · most in W22 (6)

Kobalt LabsAI-powered risk and compliance for financial institutionsYC S23New York CityStartup →Developer tools

AnchorEmbedded finance platform for African businessesYC S22LagosStartup →Developer toolsInactive

BridgecardCard issuer for AfricaYC S22LagosStartup →AIAcquired

ArcBanking & Funding for StartupsYC W22San FranciscoStartup →Other

NashAll in one finance platform for borderless businesses in AfricaYC W22San FranciscoStartup →Other

PayCaddySimplified Banking as a Service for LatamYC W22Panama CityStartup →Other

Rank (formerly Moni)Group Financing for small businesses across Africa.YC W22LagosStartup →Developer toolsInactive

ValariEmbedded finance platform for LatAm.YC W22Mexico CityStartup →Other

WibondAffirm for LATAMYC W22CórdobaStartup →OtherInactive

IvellaBanking and savings products designed for couplesYC S21Los AngelesStartup →Other

DayraData-driven embedded Financial Services for Gig WorkersYC W21CairoStartup →Other

NextPayThe digital bank for small businesses in the Philippines.YC W21MakatiStartup →Developer tools

DecentroAPI Platform for Banking Integrations (Plaid for India and APAC)YC S20BengaluruStartup →AI

BeGoBeGo Connects cargo shippers with truck suppliers in Mexico and USYC W20San FranciscoStartup →Other

JenfiJenfi provides revenue-based financing for digital businesses in AsiaYC W20SingaporeStartup →OtherInactive

ParkerParker is a digital bank.YC W19New York CityStartup →Developer tools

VertoCross-Border Payments and FX SimplifiedYC W19LondonStartup →AI

OWNYAI driven payment rails for emerging market banks.YC S18San FranciscoStartup →Developer tools

Treasury PrimeEmbedded banking software platform and marketplaceYC W18San FranciscoStartup →Other

PrelimBuild better bankingYC S17San FranciscoStartup →Other

tpagaFirst financial Superapp of Latin AmericaYC S17BogotáStartup →AI

AellaDiversified credit infrastructure powering payments across Africa.YC W17LagosStartup →OtherAcquired

Sandbox BankingLow-code integration platform for bankingYC W17BostonStartup →AI

BankjoyAn end-to-end digital banking solution for banks and credit unionsYC W15TroyStartup →AI

RazorpayIndia's only full-stack financial solutions company for businesses.YC W15BengaluruStartup →Other

StripeEconomic infrastructure for the internet.YC S09San FranciscoStartup →

Company	Category	Status	Program
Kobalt LabsAI-powered risk and compliance for financial institutionsteam of 15hiringYC S23ActiveAI	AI	Active	YCS23
AnchorEmbedded finance platform for African businessesteam of 8YC S22ActiveDevtools	Devtools	Active	YCS22
BridgecardCard issuer for Africateam of 5YC S22InactiveDevtools	Devtools	Inactive	YCS22
ArcBanking & Funding for Startupsteam of 30acquiredYC W22AcquiredAI	AI	Acquired	YCW22
NashAll in one finance platform for borderless businesses in Africateam of 11YC W22ActiveOther	Other	Active	YCW22
PayCaddySimplified Banking as a Service for Latamteam of 20YC W22ActiveOther	Other	Active	YCW22
Rank (formerly Moni)Group Financing for small businesses across Africa.team of 20YC W22ActiveOther	Other	Active	YCW22
ValariEmbedded finance platform for LatAm.team of 3YC W22InactiveDevtools	Devtools	Inactive	YCW22
WibondAffirm for LATAMteam of 30YC W22ActiveOther	Other	Active	YCW22
IvellaBanking and savings products designed for couplesteam of 8YC S21InactiveOther	Other	Inactive	YCS21
DayraData-driven embedded Financial Services for Gig Workersteam of 10YC W21ActiveOther	Other	Active	YCW21
NextPayThe digital bank for small businesses in the Philippines.team of 25YC W21ActiveOther	Other	Active	YCW21
DecentroAPI Platform for Banking Integrations (Plaid for India and APAC)team of 60YC S20ActiveDevtools	Devtools	Active	YCS20
BeGoBeGo Connects cargo shippers with truck suppliers in Mexico and USteam of 65hiringYC W20ActiveAI	AI	Active	YCW20
JenfiJenfi provides revenue-based financing for digital businesses in Asiateam of 18YC W20ActiveOther	Other	Active	YCW20
ParkerParker is a digital bank.team of 10YC W19InactiveOther	Other	Inactive	YCW19
VertoCross-Border Payments and FX Simplifiedteam of 170YC W19ActiveDevtools	Devtools	Active	YCW19
OWNYAI driven payment rails for emerging market banks.team of 15hiringYC S18ActiveAI	AI	Active	YCS18
Treasury PrimeEmbedded banking software platform and marketplaceteam of 100YC W18ActiveDevtools	Devtools	Active	YCW18
PrelimBuild better bankingteam of 49hiringYC S17ActiveOther	Other	Active	YCS17
tpagaFirst financial Superapp of Latin Americateam of 25YC S17ActiveOther	Other	Active	YCS17
AellaDiversified credit infrastructure powering payments across Africa.team of 602 programsYC W17 +1ActiveAI	AI	Active	YC +1W17
Sandbox BankingLow-code integration platform for bankingteam of 33acquiredYC W17AcquiredOther	Other	Acquired	YCW17
BankjoyAn end-to-end digital banking solution for banks and credit unionsteam of 60YC W15ActiveAI	AI	Active	YCW15
RazorpayIndia's only full-stack financial solutions company for businesses.team of 2.7kYC top companyYC W15ActiveAI	AI	Active	YCW15
StripeEconomic infrastructure for the internet.team of 7k163 open rolesYC S09 +1ActiveOther	Other	Active	YC +1S09

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