FinTech startups in San Francisco Bay Area

Corgi

San Francisco

Corgi is an AI financial infrastructure company focused on building AI-enabled financial infrastructure, placing it at the intersection of artificial intelligence and finance.

Campfire

San Francisco

Campfire is an AI-native ERP for mid-size and enterprise companies to close fast and scale faster. Based in San Francisco, it is backed by Accel, Foundation Capital, Y Combinator and Capital49(Airwallex), serving 50 to 5,000-employee firms

Bretton AI

San Francisco

Bretton AI (formerly Greenlite AI) builds AI agents for financial crime compliance, helping banks and fintechs automate AML and KYC work.

Salient

San Francisco

Salient is an AI-driven workflow automation platform for lenders, starting with auto loan servicing. Since launching in 2023, it has surpassed $10M ARR, achieved cash-flow positivity, partnered with major U.S. lenders, and identified 35k+ C

Zip

San Francisco

Zip, founded in 2020, pioneered procurement orchestration and leads $50B+ TAM, serving enterprises such as Instacart, Sephora, Reddit, Lyft, and brands like Airbnb, Facebook, Google. Valued at $2.2B with $370M in funding from Y Combinator,

Federato

Palo Alto

Federato is the only AI-native platform that spans the full policy lifecycle, covering the entire policy process from start to finish. It claims to change how insurance work is done.

Casca

San Francisco

Casca is building AGI for banking, replacing legacy systems with AI-native tech that automates 90% of manual work. It emphasizes responsible AI with human-in-the-loop monitoring and is backed by Y Combinator, Peterson Ventures, The Sarah Sm

Slash

San Francisco

Slash is a fintech company building industry-specific business banking, backed by YC, NEA, Stanford University, and others; it powers over three billion dollars a year in business purchasing and is among the fastest growing fintechs.

FurtherAI

San Francisco

FurtherAI is a domain-specific AI company for the insurance industry, helping insurers, reinsurers, MGAs, and brokers drive better decisions at scale. Backed by a16z, Y Combinator, Nexus, and Converge, it supports customers writing over $15

Gigs

San Francisco

Gigs is building the operating system for mobile services, enabling tech companies to embed connectivity and automate phone-plan provisioning for fintechs and HRIS platforms. Backed by nearly $100 million from Ribbit Capital, Google, and Y

Automat

San Francisco

Automat is a generative AI platform that creates and scales end-to-end automations, redefining Enterprise AI Agents, RPA, and Intelligent Document Processing; it serves some of the world's largest companies and claims 10x speed and lower co

Quanta

San Francisco

Quanta is the accounting service for software businesses who want to get their finances right, without delay. We’re the only service that can provide critical business metrics up to date daily, and will close your books as fast as the data

Layer

San Francisco

Layer provides embedded, API-first accounting software and bookkeeping services for vertical SaaS platforms and neobanks that serve small and medium-sized businesses, enabling seamless integration into the platforms SMB owners already use.

Central

San Francisco

**Central Payroll, benefits, state compliance & other bullsh*t for startups** Central kills back-office work for startups. While HR/payroll platforms give you software to figure it out, Central actually does all the work using AI agents an

Fifteenth

San Francisco

Fifteenth provides tax planning and filing for individuals in the tech industry, delivering a seamless tax experience. The firm uses cutting-edge software and a team of five engineers formerly at Flexport and Rippling, positioning it as a t

Eloquent AI

San Francisco

Eloquent AI designs autonomous AI agents for regulated industries, enabling real-time compliance and reducing hallucinations in high-stakes interactions, serving financial institutions and insurers worldwide from its San Francisco headquart

Sphinx

San Francisco

Sphinx builds AI analysts that operate inside browsers and internal systems. Its agents, used by banks and fintechs across the United States, Canada, Europe, and Latin America, handle 90% of manual work and cut costs by 4x.

Abacus

San Francisco

Abacus builds AI agents to automate tedious accounting workflows, redefining how accounting firms operate. It serves large enterprise clients, generates meaningful revenue, and is led by a two-person founding team backed by top-tier investo

Lumena

San Francisco

Lumena empowers domain experts to build AI-powered enterprise applications, enabling humans and AI to collaborate across systems such as Salesforce, NetSuite, and HubSpot. Its design partners include mid-market and enterprise companies in f

Infinite

San Francisco

Infinite is a stablecoin payment processor whose founding team previously built and scaled products at Coinbase and Sardine, bringing category-leading fintech experience to deliver stablecoin payments backed by recognized fintech leadership

Crescent

San Francisco

Crescent is a US fintech building the future of business financial services, serving startups to $1B+ enterprises. It has raised over $10M from JP Morgan Chase, BNY Mellon executives and unicorn leaders, with an Elon Musk company as a custo

CoreWorks

Palo Alto

Coreworks aims to make financial operations faster, smarter, and radically simpler. By focusing on efficiency and clarity, it helps customers manage financial processes more easily.

CaroHQ

Palo Alto

Caro is an enterprise headcount platform and the single source of truth for headcount, aligning finance, talent, HR, and hiring leaders with current data across the organization. It connects with HCM, ATS, and financial planning systems to

Pax

San Francisco

Pax is the first AI-powered duty drawback broker that automates and optimizes duty refunds, delivering 15% more refunds and a 99% reduction in processing time, founded by experts from Charter Brokerage, MIT, Google, Amazon, and Flexport.

Slope

San Francisco

Slope partners with large companies to offer AI-enabled credit to businesses via strategic financing partnerships; it has raised $252M from notable investors including Sam Altman, JP Morgan Chase, Union Square Ventures, and Y Combinator to

Fazeshift

San Francisco

Fazeshift offers an AI-driven accounts receivable platform that automates AR processes, reduces manual work, and accelerates revenue cycles for large enterprises. Backed by Y Combinator, Gradient (Google’s AI venture arm), and founded by Ha

Zero Labs

San Francisco

At Zero develops a tax-forecasting engine with the goal of eliminating tax liabilities, positioning itself in the tax technology space.

Miter

San Francisco

Miter positions itself as the modern construction operating system, a leading HCM platform for the $2 trillion construction industry that uses AI and embedded payments to overhaul HR, finance, and operations, delivering cost savings and pro

Rippling

San Francisco

Rippling is a San Francisco-based workforce management platform that unifies applicant tracking, payroll, IT, and expenses, delivering a shared source of truth, automation, and insights by syncing data across apps to enable faster, better d

Harmonic

San Francisco

Harmonic is a startup discovery engine that converts fragmented sources into structured knowledge about startups, investors, and people, mapping the ecosystem and helping the most promising founders get found and funded by the world's large

Column Tax

San Francisco

Column Tax democratizes access to financial help by delivering game-changing tax solutions for everyday people, highlighting gaps in financial guidance and the need for affordable tax support (over 100 million Americans can’t cover a $1,000

Finley

San Francisco

Finley is a San Francisco-based company that simplifies debt capital raise and management. A 2021 YC Winter alum, it is backed by Y Combinator and Bain Capital Ventures, with founders from Goldman Sachs, Nova Credit, and Palantir Technologi

Two Dots

San Francisco

Two Dots uses AI to reinvent consumer underwriting, starting with residential real estate. It harnesses data in consumer documents to improve lending decisions, pairing its underwriting agent with advanced document and identity anti-fraud c

Loop AI

San Francisco

Loop is building an enterprise co-pilot for restaurants, starting with delivery to serve the sector with an enterprise-level assistant.

Keeper

Redwood City

Double has everything firms need to communicate with clients, catch coding errors, manage receipts, and streamline their workflows -- all in one place. Powered by a 2-way sync with QuickBooks Online and Xero, Double connects to clients' led

Stream

San Francisco

Stream Platforms, Ltd is a B Corporation delivering fair financial services and modernizing insurance, whose Stream platform serves three million people through 2,000 brands across UK, Europe and the US, backed by YC and investors as a fina

Complete

San Francisco

Complete provides compensation for fast-growth startups, serving elite tech teams such as Render, Linear, Vercel, and DataStax. Revenue has grown threefold this year, momentum as the company is at an inflection point and plans significant t

Aspire

San Francisco

Aspire is a leading fintech delivering an all-in-one financial operating system for growing APAC businesses; it has raised over USD 300 million, partnered with Visa and Wise, serves 50,000+ clients (15,000+ in APAC), and has won multiple fi

AtoB

San Francisco

AtoB modernizes payments infrastructure for trucking and logistics, enabling instant, reliable, and fair capital movement in supply chains. Backed by over $125M from General Catalyst, Y Combinator, Mastercard, it's a Forbes Next Billion-Dol

CaptivateIQ

San Francisco

CaptivateIQ Agile commission software to design, deploy & adapt commission plans. CaptivateIQ is on a journey to modernize the world of incentive compensation. Our hope is that people will feel more connected at work if there is greater tr

Rulebase

San Francisco

Rulebase delivers visibility and confidence to modern support teams, helping them understand and improve the customer experience in real time. Its technology stack includes Python, React, and Electron JS.

Hadrius

San Francisco

Hadrius automates and consolidates securities compliance for investment firms, serving over 500 institutions and more than $5 trillion AUM. A YC W23 alum with over $10M ARR, it’s described as fastest-growing company in its space and an emer

LedgerUp

San Francisco

LedgerUp is an AI-driven operations teammate for billing and accounts receivable that automates contract-to-cash workflows, reducing busywork for teams and driving growth.

CommodityAI

San Francisco

CommodityAI is a San Francisco-based AI company serving the commodities industry, founded by former commodity traders and operators with deep industry expertise. Backed by Y Combinator and Rebel Fund, it aims to build intelligence at the fo

Halfmore

Palo Alto

The company offers a platform that enables parents to hire their children as IRS-compliant household employees, streamlining legal, payroll, and tax administration, and enabling custodial Roth IRA contributions, thereby democratizing access

Mesh

San Francisco

Mesh operates the first global crypto payment network connecting exchanges, wallets, and PSPs for digital asset payments, and is building AI-native accounting infrastructure to automate journal entries, reconciliation, and accruals for high

CoinTracker

San Francisco

CoinTracker enables global users to track assets across 300+ exchanges and 8,000+ cryptocurrencies, managing over $50B and representing 3% of the market; profitable, rapidly growing, and recently raised a $100M Series A, with partnerships i

Cardless

San Francisco

Cardless enables brands to launch a fully integrated credit card experience in weeks. As a nimble startup in a highly regulated space, it delivers integrated credit card capabilities within a regulated framework.

SentiLink

San Francisco

SentiLink provides identity and risk solutions to prevent synthetic fraud, identity theft, and first-party fraud at account opening, serving major banks, credit unions, and fintechs. Founded in 2017 in San Francisco, it has raised $85 milli

Stripe

South San Francisco

Stripe is a global technology company that builds economic infrastructure for the internet, serving startups and public companies from San Francisco. Notable for raising $6.5 billion at a $50 billion valuation in March 2023.

Middesk

San Francisco

Middesk enables B2B companies to transact by connecting them to essential products and services, backed by Sequoia, Accel, and Y Combinator and serving customers such as Affirm, Brex, Plaid, Mercury, Divvy, Rippling, and Gusto.

Zeal

San Francisco

Zeal is a Series B fintech backed by Y Combinator, Spark Capital, and Portage, born in Cairo and operating from London. It builds an ecosystem for staffing, payments, loyalty, and AI insights, onboarding thousands of workers weekly and proc

Routable

San Francisco

**Simplifying payouts at scale** Routable’s secure B2B payments platform helps finance teams automate and simplify the payables process from invoice receipt to settlement. With support for your existing workflows and the flexibility to sca

Promise

Oakland

Promise modernizes government payments by delivering better payment systems for governments and communities, helping agencies recover revenue while offering residents flexible, humane ways to pay. Replacing broken systems with scalable tech

Socure

San Francisco

Socure builds identity trust infrastructure to verify all good identities in real time and stop fraud before it starts. It serves financial services, government, gaming, healthcare, telecom, and e-commerce, with customers including Chime, S

Human Interest

San Francisco

**The 401(k) for small and medium-sized businesses.** 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

Veryfi

San Mateo

Veryfi is an AI-based platform that converts unstructured business documents into structured data, trusted by enterprises. It has raised $12 million from investors including NewView Capital, Act One Ventures, TI Platform, Y Combinator and Z

Prodigal

Mountain View

Prodigal builds AI agents for loan servicing and collections to automate critical roles, enhance operations, and drive revenue as a vertical SaaS company in consumer finance; based in Mountain View and backed by Accel, Menlo Ventures, and Y

Duckbill

San Francisco

Provides financial planning and analysis for enterprise infrastructure to understand, negotiate, and optimize cloud spend. Operates in the cloud cost management space, targeting enterprise customers for cloud spend management and optimizati

Dyneti Technologies

San Mateo

Dyneti is building authentication tech to make digital payments seamless and secure. It has raised $2.2M from Shasta Ventures, Y Combinator, and angels; processes hundreds of millions of card scans for Fortune 100s and unicorns, via mobile

LendUp

San Francisco

**LendUp** LendUp is a socially responsible company on a mission to redefine… Could a fintech company be built that helps people today, and prepares them for tomorrow? One that offers consumers high quality, mobile-first credit and savings

Wefunder

San Francisco

An investment platform branded as Robinhood for pre-IPO startups, it aims to democratize early-stage investing and let everyone invest in the startups they care about, leveraging the JOBS Act to broaden the investor pool and support pre-IPO

Powder

Redwood City

Powder builds AI agents that help financial advisors work faster, smarter, and with greater precision. Serving wealth managers handling billions in assets, Powder operates at the intersection of wealth management and AI, backed by top-tier

Hammr

San Francisco

Hammr modernizes payroll and HR for the U.S. construction industry, offering a construction-specific alternative to platforms like ADP and Paychex in a $2.2 trillion market. Backed by $5M from YC and industry leaders, it's billed as a Rippl

Accend

San Francisco

Accend builds AI-powered risk, compliance, and underwriting automation tools for fintechs and banks. A YC S23 graduate, it has raised $6.2M in seed funding from Adverb Ventures, YC, General Catalyst, and 645 Ventures; clients include Pleo,

Pier

San Francisco

Pier is a fintech compliance platform for license management and regulatory reporting, enabling the next generation of financial services providers and expanding financial access for Americans. It has an oversubscribed round from top-tier v

Finta

San Francisco

Finta is a platform that consolidates taxes, bookkeeping, and financial metrics for startups in one place, replacing traditional bookkeepers and QuickBooks, by integrating with Brex, Ramp, Stripe, and other tools to act as the source of tru

Egress Health

San Francisco

Egress Health automates dental insurance revenue cycle management, making accepting insurance as easy as cash by sending claims, tracking payments, and collecting reimbursements. It’s live at dozens of private clinics and groups and has a Y

Meridian

San Francisco

The company catalyzes the next generation of consumer experiences by redefining how people interact with products and services, driving innovation in everyday engagement and shaping how brands are experienced in modern markets.

Domu Technology Inc. (YC S24)

San Francisco

Domu Technology Inc. automates debt-collection calls for banks and insurers, serving six Fortune 500s and major firms including MetLife, BBVA, and BNP Paribas Cardif. A YC alum with a female-led team, it reduces costs and improves recovery

Prelude AI

San Francisco

The company is building an AI-native platform that makes financial advisors more effective, transforming wealth management by advancing advisory capabilities with advanced technology. Backed by a world-class founding team from top fintech a

Additive AI

San Francisco

Additive AI, founded in San Francisco, builds AI-powered tools to automate document-heavy tax and accounting workflows; acquired by Thomson Reuters in 2025, it operates as part of a global leader to help professionals make faster, more info

Chestnut

San Francisco

Chestnut is the first AI mortgage lender licensed in Texas and Colorado, completed YC X25 and backed by Y Combinator and Olive Tree Capital, founded by Spencer Brown to disrupt the $128B mortgage market with AI.

Kato

San Francisco

Kato builds an AI-powered servicing platform that automates critical workflows across channels with full compliance and best-in-class recoveries, in production with major fintech lenders including Bilt Rewards and Parafin, emphasizing a com

Veritus Agent

San Francisco

Veritus is a YC-backed AI-native platform for loan servicing and debt collection that operates its own collections agency on the platform, acquires charged-off debt to service it with in-house AI agents, and owns the full stack from acquisi

Pump.co

San Francisco

Pump is a cloud cost-savings company using group buying and AI to reduce AWS compute spend for startups; Forbes calls it the 'Costco of Cloud compute,' with 250+ customers and India expansion to save up to 60% on AWS costs.

Lendtable

San Francisco

Lendtable is a venture-backed fintech that helps Americans save and invest while maximizing their paycheck and benefits, with a focus on improving retirement-related benefits for workers; backed by Y Combinator, Valor Equity Partners, and S

Atlas

San Francisco

Atlas Card is a San Francisco-based fintech delivering modern spend management and concierge services. Founded in 2022 with 25 employees, its founders are Patrick Mrozowski, Sid Parihar, and Kenan Pulak; the company lists Tom Blomfield as a

Forage

San Francisco

Forage builds payment technology to expand access to government benefits, helping SNAP EBT shoppers stretch grocery budgets and feed 42 million Americans. Backed by Nyca and PayPal Ventures, it aims to become a $1B+ business in a $100B+ mar

Sphere

San Francisco

Sphere is an AI-powered cross-border tax compliance platform that automates sales tax, VAT, and GST, building local rails into tax authorities worldwide and the world’s first AI-native tax engine; backed by Felicis Ventures and Y Combinator

Nova Credit

San Francisco

Nova Credit is a credit infrastructure and analytics company operating as a Consumer Reporting Agency that helps lenders grow responsibly with alternative data, turning fragmented data into compliant, actionable risk insights via a platform

Coinbase

San Francisco

Coinbase aims to increase economic freedom by building an on-chain platform to help shape the future global financial system through crypto and blockchain technology.

Givefront

San Francisco

Givefront provides financial infrastructure for nonprofits, enabling automatic compliance and precise tracking of every dollar, backed by Y Combinator in Winter 2024. Harvard CS and statistics graduate Matt Tengtrakool founded the company,

SyntheticFi

San Francisco

SyntheticFi, a YCombinator-funded startup based in San Francisco, offers a platform that manages regulatory assets under management, disrupting legacy banks. It has surpassed $150 million in regulatory assets under management, with hundreds

Mercoa

San Francisco

Mercoa is an embedded B2B payments platform that enables B2B fintechs to add BillPay and Accounts Payable to their products, serving accounting firms, neobanks, and vertical SaaS across construction, e-commerce, and home services.

Modern Treasury

San Francisco

Modern Treasury builds payments operations solutions, focusing on payment operations as core to business. Described as a lean team, this positions the company as a focused provider in the payments operations space for businesses.

Oxygen

San Francisco

Oxygen is a San Francisco-based modern financial platform offering banking services for digital natives, creators and entrepreneurs. Backed by Runa Capital, Y Combinator and other fintech investors, its banking services are provided by The

Constant

San Francisco

Constant is a private credit investment platform focused on private credit investments.

Patterns

San Francisco

Patterns aims to make data analysis accessible by using natural language processing and AI to analyze data, aiming to simplify analytics and transform business intelligence, with next-gen financial analysis and AI agents for reporting; tech

Luthor

San Francisco

Luthor is the first AI-native compliance firm for RIAs and broker-dealers, delivering a full-stack program that automates SEC, FINRA, and FinCEN compliance by blending purpose-built LLMs with human expertise (including former SEC attorneys)

PAX Markets

Redwood City

PAX Markets is a Redwood City-based exchange and co-located trading facility that co-designs hardware and software to run the matching engine on-chip, enabling ultra-fast crypto-to-Wall Street trading; it currently uses AWS FPGA F2 and aims

JustPaid

Mountain View

JustPaid offers B2B billing automation from Mountain View, CA, with about 20 employees. Led by CEO/cofounder Daniel Kivatinos and cofounders Anelya Grant and Vinay Datta Pinnaka; Daniel co-founded DrChrono (acquired 2021) and Vinay ran DrCh

Fizz

San Francisco

Fizz is a fintech and #1 money app for young adults, helping users build credit and manage money. Backed by Kleiner Perkins, SV Angel, Y Combinator, and the founders of eight Unicorns, it serves students at 300+ universities from NYC.

OneText

San Francisco

OneText, founded by former PayPal Checkout leaders, is a payments, AI, and marketing platform enabling payment via a phone number. Backed by Y Combinator, Coatue, Citi Ventures, Khosla Ventures, and founders of Warby Parker, Allbirds, Harry

Kontigo

San Francisco

Kontigo is a USDC-based neobank for Latinos building a globally accessible, stable currency platform. By combining neobank services with USDC technology, it aims to provide stable, accessible financial infrastructure for its Latino communit

Event Horizon Labs

San Francisco

Event Horizon Labs is building the Post-Human Trader, an autonomous system that turns raw compute and data into alpha, designed to trade without the friction or bias of human emotion.

Apero Health

San Francisco

Apero is a San Francisco-based Y Combinator-backed startup simplifying medical billing with greater transparency; it has raised about $240 million from notable investors and serves 30+ practices, some with 50+ providers, while actively hiri

GoodFin

San Francisco

GoodFin is a seed-stage startup unlocking private wealth and markets with AI-native, human-driven platforms for hyperpersonalized, automated investments in alternative assets, targeting the next generation amid the largest intergenerational