YC DATA · 6,287 COMPANIES · OCTOBER 2, 2026
FORMATION · FIRST SURFACED WINTER 2023

Fintech Payments

Return to Signal
ACCELERATED · WINTER 202384% confidenceObserved October 2, 2026Source: Description cluster · corroborated
The count
5.82×

2/937 → 16/1288; +1.03 percentage points of formation share.

W14S17S20W22W25
The companies behind the signal — 16
Summer 2022
Payfura

Global payment gateway to buy/sell crypto. Payfura is a fiat<>crypto on/off ramp payment gateway for web3 applications. We are a bridge between fiat and crypto so web3 applications can seamlessly onboard users across different geographies with local payment methods. Key Features: - Currencies supported: 150+ fiat currencies, 100+ crypto currencies. - Regions supported: US, Europe, LATAM, SEA, Africa. - Payment methods: Credit/Debit cards, E-wallets, Bank transfers and many more. - Partner Dashboard: A powerful dashboard for partners to get detailed insights and analytics for their orders - Handle KYC and AML compliances of local regions. - API and SDK integration.

Summer 2022
nsave

Trusted $€£ accounts abroad for people from unstable economies.. nsave is a fintech that provides trusted $€£ accounts abroad for people from countries where inflation is high and banking is broken.

Summer 2022
Pana

A Global Bank on Chain. The first secure, end-to-end global USD account, seamlessly integrating fiat and stablecoins across 125 countries for direct-to-bank settlement—no liquidity providers, no SWIFT, no intermediaries. Both sender and receiver use the Pana app and wallet for a frictionless, real-time cross-border payment experience.

Summer 2022
Moneco

Neobank for African migrants in Europe. Moneco is a neobank targeting the migrant communities in Europe, starting with the African diaspora. We are making banking easier and more affordable for underserved communities, starting with a current account, a payment card and free remittances. The long term vision is to turn Moneco into a one-stop-shop where all of their financial needs will be addressed.

Winter 2022
BharatX

Enable Buy-Now-Pay-Later in a White-Labelled Manner. BharatX was recently acquired by Flipkart, the largest startup in India, to enable Buy Now Pay Later in their own ecosystem as well as bolster their own FinTech play via Super.money. It powers Checkout Financing in their ecosystem currently on Millions of Users. BharatX enabled "Pay in 3" and "Pay in X" parts as a feature on over 1000+ brands, 300+ directly and the rest via Payment Gateway partners. Our product enabled Buy Now Pay Later, in a white-labelled way. For e.g. Flipkart PayLater on Flipkart. We grew 47X to $2.5M ARR in under 6 quarters straight after fumbling for 2 years around PMF and Credit Risk & Fraud. We started out as a platform to provide access to Credit in Developing countries without relying on traditional documentation processes by Banks, which did not give access to hundreds of millions.Over the course of BharatX,

Winter 2022
Partna

Unlock African payments. Stablecoin-powered payment infrastructure, to collect, convert, and settle between Africa and global markets.

Winter 2022
AYC Fund

AI-native crypto hedge fund. AI-native crypto hedge fund

Winter 2022
Poko

Seamless Fiat Payments for Web3. Poko enables seamless transfers from local payment rails to web3 infrastructure enabling web3 wallets, marketplaces, games and DApps to acquire more users. With Poko’s SDK, web3 builders can easily enable fiat-to-crypto onramping with 100+ common local payment methods or easily pay for NFTs with local payment methods. Poko's fiat-to-cryptoonramp aggregator reduces onramping costs by up to 70% and increases transaction success rates by up to 5x through a smart routing logic and a single integration to multiple onramps. It's Direct Checkout solution enables one step purchasing from fiat payment rails from any smart contract for 79% higher user conversion. The co-founders’ experience includes being chief strategy officer of a $2.4B coincap protocol, leading technical implementation of Singapore’s central bank’s experiment in cross-border payments on blockcha

Winter 2022
SALT

B2B Cross-Border Payment & Compliance Platform. Salt is a neo banking solution stitched together to ease payments and documentation which comes with business banking by moving it to a digital-first and automated end to end platform.

Winter 2022
Nash

All in one finance platform for borderless businesses in Africa. Nash enables finance teams to manage all their finance flows in one place and craft their money flow experiences globally. Our ledger-based operating system allows your borderless business to connect all your money accounts, accounting systems, payment service providers, treasury operations, spend management in one place. Our mission is to enable borderless commerce in Africa. We achieve this initially by providing your team with all the finance tools needed to build, scale, and grow your borderless business without the need for a costly and complex in-house infrastructure.

Inside Fintech Payments

Payments

A primary internal company segment within Fintech Payments, derived deterministically from the shared yc tag “Payments”. This is a classification of current window members, not a causal layer or a separate time trend.

Other / unclassified

Measured-window members of Fintech Payments that could not be assigned to a narrower shared YC tag or industry without forcing a classification.

Neobank

A primary internal company segment within Fintech Payments, derived deterministically from the shared yc tag “Neobank”. This is a classification of current window members, not a causal layer or a separate time trend.

Credit and Lending

A primary internal company segment within Fintech Payments, derived deterministically from the shared yc industry “Credit and Lending”. This is a classification of current window members, not a causal layer or a separate time trend.

Crypto / Web3

A primary internal company segment within Fintech Payments, derived deterministically from the shared yc tag “Crypto / Web3”. This is a classification of current window members, not a causal layer or a separate time trend.

Outside corroboration — does anyone else see this?

No comparable outside activity is connected yet.

Similarly named categories — not necessarily the same thing

These share a word with “Fintech Payments” but are tracked as separate categories. The real overlap below is the actual share of Fintech Payments’s companies also found in that category — not a guess.

Citation

Cambrian Signal, “Fintech Payments,” publication yc-2026-10-02-semantic-v8, snapshot October 2, 2026.
cambrian.jafar.com/formation/fintech-payments

Fintech Payments · Cambrian Signal