Investing Startups funded by Y Combinator (YC) 2025

Groww aims to empower people in India by making financial services simple, transparent and delightful. By leveraging technology, we build reliable and accessible financial services. Groww is India's largest stock broker (in terms of active NSE clients) and the largest distributor of mutual fund SIPs.

OpenInvest is the first technology-backed, socially responsible investment asset management platform that aligns your investments with your values. OpenInvest’s proprietary technology seamlessly creates low-cost investment portfolios tailored to your values, while tracking market indices. A mission-driven company, OpenInvest was one of the first VC-backed Public Benefit Corporations.

Human Interest is on a mission to ensure that people in all lines of work have access to retirement benefits. Nearly half of all working Americans are not saving enough for their future. Too often it’s because they are employed by a company that doesn’t offer a retirement plan. Human Interest is changing that by making it affordable and accessible for small and medium-sized businesses to offer employees a path to financial independence through retirement savings. We’re a high-growth tech company changing the retirement industry. We’ve raised $500M and are backed by leading investors. Most recently, by funding from BlackRock as well as many other top investors: TPG (The Rise Fund) with SoftBank led our Series D, Glynn Capital, NewView Capital, USVP, Wing, Uncork, and others.

Ledger Investing provides an exciting opportunity for asset managers, pension funds, hedge funds, family offices and other institutions interested in earning a great return through insurance investing. The company deploys proprietary software and data analytics covering many types of insurance risk portfolios. The technology enables insurers to securitize risk more efficiently while providing investors, asset managers, pension funds, hedge funds, family offices, and other institutions an opportunity to invest in a new and growing asset class. Ledger Investing was founded by Julien Brissonneau, Aymeric Rabot and Samir Shah in 2016.

Alpaca is an API infrastructure and licensed financial services company that allows developers and businesses to offer stock and crypto investing to their end-customers. We work with more than 100 companies across the globe to enable their investing products, and our mission is to provide financial services to everyone on the planet. Alpaca’s globally distributed team consists of developers, traders, and brokerage business specialists and backed by a group of well-capitalized investors including Portage Ventures, Spark Capital, Tribe Capital, Unbound, Social Leverage, Horizons Ventures, Y Combinator as well as highly experienced industry angel investors and founders. We are also very tech-enthusiastic with notable track records in open-source and startup communities.

We help everyone invest in startups that they care about. We believe that when all Americans can invest in innovation, the world will be a better place. And soon, our dream will become a reality. Thanks to the JOBS Act, everyone — not just the wealthy — can invest as little as $100 in the startups they care about. Not only does this open up the pool of investors, and increase the amount of great ideas that get funded, but it allows startups to grow an army of passionate investors who truly want to see them succeed. Second tier VC’s will become obsolete as startups tap their lead users and customers for quick early investments.

Female Invest is on a mission to close the financial gender gap. By creating a safe space and a trusted source for knowledge, we’re democratising investing for everyone globally. We’ve supported more than half a million women across 100 countries with our services. This makes us the world's largest univers combining financial learning and community. Currently, we make $5.2 million in ARR from approx. 43.000 paying users. 92% of our users are on a yearly plan, and average churn is 2.4% in the last 3 months. Our unit economics are best in class and consistently improving . We’ve raised approximately $12 million in seed funding from prominent investors across the EU and US and are soon ready to raise our Series A, where we are aiming to close an additional $10-15 million. The company operates within FinTech, EdTech and Investing. In 2022, Female Invest did its first acquisition by acquiring the Danish investing platform, GAIA Technologies A/S. The company’s headquarter is located in Copenhagen and has a smaller office in London. Download our app to get the full experience.

Trata is an AI-powered research desk for hedge funds. We use agents to interview hedge fund analysts, write investment research, and distribute this through a subscription.

Lucible is a combined checking and investment account that allows you to invest 100% of your money while still being able to spend it. Whenever you spend, we issue a loan in real time, using your investments as collateral, to cover the cost. This is the most capital and tax efficient way to manage your money. It's what the ultra wealthy already do to finance large purchases, and now you can do it for every day spending.

We’ll build the 401(k) you need to help attract and retain talent. OctaveWealth is operated by Quillu Inc, an SEC registered Investment Advisor.

Quantierra sources real estate investments for developers. It uses their database and algorithms to determine what can be built, its value, and the probability of it selling. Taking a 1.5% cut of any property they help sell, They’ve made $141,000 in revenue in 3 months, and say they have $310,000 in signed term sheets.

Pre is an AI-powered execution system for startup founders who are serious about building real companies. Set a 10-week goal, connect your tools, and get pushed to do your highest-impact work every week. Pre doesn’t track effort… it tracks outcomes, and it holds you to a higher standard.

Paasa helps wealthy Indians invest in global equities - without middlemen, hidden fees, or paperwork. While high-net-worths in India often have international expenses from children's education to healthcare, most still save in INR, a currency that depreciates ~2–5% per year against the USD. Why? - Broken outward remittance process - Fear of making mistakes in tax or compliance - Paper-heavy onboarding processes of international brokers - Lack of trustworthy guidance Paasa offers a mobile app that enables Indians to trade worldwide, invest passively, and automate every cross-border tax filing.

Double lets anyone design and invest in their own stock index that’s advised, managed and tax optimized by Double.

Keye is an AI software that lets private equity firms do due diligence for acquisitions faster and more accurately. Our customers can evaluate 10x more deals and fund better companies which leads directly to better returns/more alpha. -- Our system is the first of its kind to instantly generate complex, comprehensive data packs from raw data in any format, directly from the data room. This enables investors to gain an 80% understanding of a potential deal within moments, empowering them to say No to a deal earlier in the process and focus on high-potential opportunities. Traditionally, creating these detailed data packs—like cohort or retention analyses and customer roll-forwards—takes weeks, during which critical details may be overlooked, potentially costing funds millions in missed insights and poor decisions. -- Keye combines cutting-edge AI with deep private equity expertise to deliver powerful, multi-layered insights that go far beyond the simple summarizers and search functions offered by other tools. Our platform dives deep into both quantitative and qualitative due diligence data, offering high-impact analytics crafted specifically for private equity workflows. This isn’t just automation—it’s a purpose-built solution that uncovers actionable insights, fueling smarter decisions and driving true alpha.

Backing innovation, building financial technology. Focused on emerging markets and leveraging people finesse with capital.

Lofty is a marketplace that let's anyone sell a house to investors online. Instead of the typical real estate transaction where one seller sells to one buyer, Lofty is much more flexible. Sellers fractionalize their equity ownership in the property into smaller units, so that anyone can buy a portion for as little as $50, allowing access to one of the best asset classes for people who have previously been locked out. Sellers can also sell a portion of their equity (starting at just 10%) instead of the entire property or create customized HELOC structures. Investors can browse a variety of individual real estate properties ranging from commercial strip malls, a HELOC in someone's house, Airbnbs, to a single-family rental properties, and directly purchase ownership in these properties in under 5 minutes. There is no lockup period. Users can constantly trade these ownerships with others on the marketplace. Investors truly legally own the properties they invested in and co-manage it with other investors through an online governance program. Owners have so far voted on how to handle various repairs, delinquent tenants, the sale of the underlying property, and much more. Lofty never custodies or handles user funds or assets. Through smart-contracts on the blockchain, all transactions are directly peer-to-peer. If we succeed, we'll have built the NASDAQ for real estate and transformed how real estate is bought and sold in the USA.

Spenny is the Acorns for India. Every time a user make any digital transaction, we round off the amount to the nearest 10 INR and invest it for them into a diversified portfolio, automatically. 400M millennials in India don't invest because they don't have enough time, knowledge or access to large capital. With Spenny, they just connect the card and invest every time they spend. We're growing 67% WoW since launch, with 3,000+ users and $15,000 in AUM. Indians put $500Bn into their bank accounts annually. We charge 1.75% of the AUM for investments. That's a direct ~$9Bn market in India alone. Potentially every time a user makes a transaction, we make money. And in that sense, the timing for Spenny couldn't have been better: 1 Trillion+ transactions are expected in 2021 because of factors like Whatsapp launching its P2P payments in India for its 400M users. And the emergence of UPI means every Indian has a virtual bank account now. More interesting revenue models develop from the transaction data insights of our users. We analyse the rich data to A) up-sell more financial products like insurance etc., and B) create brand loyalty programs & partnerships. We acquire customers at minimal CAC by bank partnerships. We leverage the banks' existing users, by integrating with their mobile app. In turn, we invest into their mutual funds. Our long-term vision is to become a one-stop asset management solution for millennials.

Berilium is a digital wealth management platform for investors to access actively managed portfolios of alternative strategies (i.e. private equity, private credit etc.).

Gaus is an AI investment advisor for retail investors. Founded by Bruno Koba (Nubank, monashees) and Daniel Tulha (Stripe, Robinhood), Gaus gives every active investor an AI investment advisor working around the clock to surface their next great investment. We’re backed by YC (S25). Retail investors now account for 25% of all U.S. trading volume, nearly double from 2012. But over 56% still say they don’t feel confident in their investment decisions. Gaus fixes that. Our AI agents uncover opportunities, decode emerging trends, and deliver analysis tailored to you. Instead of drowning in noise, investors gain a clear edge, shifting from guesswork to confident decision-making.

Catamaran uses AI to help people make clearer, faster decisions about risk. Our platform brings all internal and external risk data into one easy-to-understand workspace. By automating data gathering, checking, and scenario testing, we help insurers, reinsurers, brokers, and investors quickly understand and manage their risks. Catamaran also provides a regulated marketplace to easily buy, sell, and manage insurance coverage.

Finary is empowers retail investors to grow their empire by tracking, managing & investing their money on one App.

Wallbit is a neobank for global remote workers, it offers them bank accounts in the US, a debit card, and an investment account to invest in bonds or stocks on the US stock market.

Metal is an AI application built for fund deal teams and managers. We accelerate a funds deal flow by reducing the effort needed to collect and parse data, perform diligence, and capture key findings.

sieve solves data cleaning for hedge funds and investment firms by letting them get clean data in four lines of code. Currently, their data pipelines have conditions that raise for human review, which literally send an email to engineers with data that needs to be reviewed. We provide an API that integrates directly into their existing pipeline - instead of raising for human review, they can send all the same information to our API and get clean, high-quality data back. By using our AI agents built specifically for financial data collection, along with expert-in-the-loop review, we provide our clients with clean, validated data at a scale and level of quality that wasn't achievable before.

Backed by a16z and YC, Metal offers super intelligence for fundraising. Our platform brings deep intelligence for core fundraising workflows (from identifying investors and researching / qualifying the "most likely" firms to relationship intelligence and managing the process).

Unlock your trading superpowers wtih HyperTrader. As traders, we reimagined the ultimate trading experience for you. HyperTrader is fast, efficient, accurate, and secure. ✔️ Streamline your workflow with fewer clicks. ✔️ Speed up your trading with fast execution. ✔️ Stay informed with real-time position updates. ✔️ Trade safe with secure encryption.

One stop shop to find, invest, and service an alternative investment for RIAs, IBDs, and institutions.

Freeport is the intelligence layer for DeFi, built for onchain investors seeking smart & interpretable exposure. It seamlessly earns optimized yield on idle assets and constructs diversified portfolios through a combination of human insight and AI-driven intelligence. With access to tokenized private assets, structured yields, and institutional-grade investment strategies, Freeport puts the full spectrum of sophisticated onchain opportunities at your fingertips.

Infina is Vietnam's leading wealth management and investing platform (like Groww of Inida and Ajaib of Indonesia). Its mission is to empower retail investors by make investing accessible, frictionless, and safe. The platform is multi-asset, offering stock trading, mutual funds, and fixed-income products, with more asset classes to be added. Infina was founded by James L. Vuong, a Silicon Valley engineer turned VC investor (IDG Ventures) and serial entrepreneur with a prior successful exit in Vietnam (Reddit of Vietnam, which was acquired by LINE corporation in 2017). Investing apps are seeing explosive growth in many markets around the world, including in Vietnam. There is a growing middle class who are hungry to invest in assets like stocks and crypto. We are building Infina to capture this huge opportunity to democratize investing in South East Asia.

Meticulate is an AI-native prospecting engine for sales teams. We make it simple to send stellar outbound messaging at scale. Instead of using boilerplate campaigns, Meticulate codifies your rules and messaging strategy (e.g. “CFOs want to hear an ROI calc upfront”) and combines it with deep prospect research to draft sequences for every prospect from scratch. We’re serving leading GTM teams today (incl OpenAI, Noda, ThreeKit), and are backed by leading AI investors: Y Combinator, Link, Cervin Ventures.

Infinity is a banking and payments platform for cross-border businesses in India. We help our customers make cross-border payments that are 70% cheaper than traditional methods and earn income on idle cash by investing in government securities.

Stock Unlock is an investment education and analysis platform, built by retail investors, for retail investors. We make it easy for noobies to start their investment journey, and save time for the pros. We are building THE place for investors to learn, grow, and invest confidently.

With Soon you can invest without the stress of speculating. Our fully automated sweep account attaches to your bank and uses routine spending activity to signal market trades. By investing on a schedule and selling available gains when you spend, Soon automates investing from beginning to end. No investing experience required, no need to time the market, just connect Soon to your spending account and build wealth.

Anfin is a modern trading platform that aims to democratize access to financial services and wealth management for Vietnam’s retail investors. Our mission is to help the underserved retail investor navigate the complexities of investments in Vietnam, from stock market to the underutilized commodity trading. We are backed by international renowned investors such as YC, Goodwater Capital, Global Founders Capital, and many more.

Benson helps everyday people invest like the rich by helping them identify the best stocks to invest in. We help users know when to buy, how much to invest, and even when to sell.

Amal's an investing app for Muslims. Muslims only invest in Shariah-compliant business, but it's hard to know which businesses are compliant. That's because it's based on complex financial metrics that change over time. We take that burden away entirely. Amal can filter stocks but also, remarkably, funds. Set your filters up once, and you'll have access to a universe of investments that cater to your specific requirements. Sign up today at https://amalinvest.com

"Drahim" is a slang for money in Arabic (from the ancient Greek Drachma). The app integrates with banks and provides individuals meaningful spending insights and generates auto savings and investment advice. For the meaningful insights, the app integrates with banks and automatically categorizes all of your transactions (All of your accounts in one place) and spots spending patterns and behaviors. Drahim then suggests a saving and investing plan that allows the user to continue living comfortably and to keep spending guilt-free. Our focus is not necessarily to save you money, rather we grow your money discreetly. Drahim allows you to continue spending but feeling way better doing it.

Arthena is a financial product that gives you access to the alternative asset class with the highest barrier to entry and strongest historical returns. We invest in the most liquid segment of the art market, with the lowest volatility, yielding tremendous growth uncorrelated to traditional investments. Arthena’s automated and data driven investment strategy regulates art investment by building traditional fund structures. HNWI’s can now securely and confidently diversify their portfolios into alternative assets focusing on the luxury market. Arthena has designed and built a statistically rigorous model that estimates the value of artwork over time. Since the data we obtain derives from auction records and repeat sales, our model relies on a set of features about each result. These features include include the artist’s name, medium, date of creation, origin of location and size of work. After identifying groups of work that are similar to each other, we calculate the expected ROI and estimated volatility based on the distribution of gains. Using historical auction results to simulate the performance of our funds, we leverage Monte Carlo analysis to determine annualized returns and sharpe ratios. Based on this analysis, Arthena can validate the financial viability of our product and establish statistically rigorous bounds for these estimates.

Sliced Investing is online platform that provides access to top private investments for financial advisors and accredited investors. Sliced automates all of the previously manual processes associated with making an alternative investment, facilitating electronic signing of subscription documents and streamlined reporting. Sliced's Advisor workstation allows financial advisors a one stop shop for their alternative investments and integrates seamlessly with leading custodians, reporting platforms and file storage systems.

At Mattermark, we’re accelerating sales and deal making through data and automation. Mattermark collects and organizes comprehensive information on the world’s fastest growing companies. In minutes, get actionable data that lets you pinpoint the companies and people you need to know or do business with. Today, over 500 companies use Mattermark to discover high quality leads, prioritize prospects and increase conversion rates.

Vest, on a mission to bring wider access to financial derivatives, manages investment products worth $40+ billion (as of 9/30/24). Backed by private equity, the firm has a strategic partnership with Cboe Global Markets, Inc. (NASDAQ: CBOE), and First Trust, a global asset manager. Vest created Target Outcome Investments in 2013, which target a defined return profile, with an allowance for a specific level of risk, at a particular point in time. Today, Target Outcome Investments are available as mutual funds, exchange-traded funds (ETFs), unit investment trusts (UITs), collective investment trusts (CITs), and customizable managed accounts / sub-advisory services. The firm was launched and backed by preeminent venture firms such as Y-Combinator (Airbnb, Reddit, Dropbox), Payment Ventures (MicroVentures, CardFlight) and First Round Capital (Uber, Mint, Square). See more at https://www.vestfin.com.

TAI is an investing app that helps millennial investors trade and manage all their existing accounts from a single app. TAI uses algorithms and market themes to help users discover actionable insights on how to improve their portfolios using ETFs.