# Cardda

> Cardda is a Chilean fintech (YC W22) building all-in-one spend management for Latin American businesses. It combines virtual and physical corporate cards, automated local and international transfers, reimbursements, and accounts payable in one dashboard, plus a payments API for mass payouts. It plugs into Chile's SII tax service and ERPs like SAP, Oracle, Defontana and Nubox, giving finance teams real-time control over company spending.

- **Founded:** 2020
- **Headquarters:** Providencia, Santiago, Chile
- **Founders:** Cristóbal Grinbergs Vidal (Co-founder & CEO), Sebastián Hernández (Co-founder & CTO)
- **Team size:** ~12 employees
- **Products:** Corporate Cards, Payments / Transfers, Payments API, Accounts Payable, Reimbursements
- **Notable:** Selected for Y Combinator's Winter 2022 batch., Grew to 300+ companies using the platform., Signed notable clients including AFP Uno, Universidad de Chile and Punto Ticket.

## Products & services

- **Corporate Cards** — Unlimited virtual and physical cards issued instantly, with spending limits by person, team or project and real-time cancellation.
- **Payments / Transfers** — National and international transfers with role- and amount-based approval rules, executed on local rails.
- **Payments API** — REST API and Python client to programmatically automate mass local payouts and bank transfers, integrating with existing ERPs.
- **Accounts Payable** — Centralized vendor management with automatic SII invoice synchronization to an inbox and one-click bill payment.
- **Reimbursements** — Automated expense reporting with photo/WhatsApp receipt capture and automatic categorization.

## Achievements

- Selected for Y Combinator's Winter 2022 batch.
- Grew to 300+ companies using the platform.
- Signed notable clients including AFP Uno, Universidad de Chile and Punto Ticket.
- Built native integration with Chile's SII tax service and major ERPs.
- Shipped a developer API and Python client for mass payouts.

## Latest updates

- **2022-03** — Presented at Y Combinator's Winter 2022 Demo Day as one of 35 international fintech startups.
- **2022-07** — Reported seed funding round.
- **2023-01** — Expanded platform beyond cards into reimbursements, transfers and accounts payable.

## Links

- Website: https://cardda.com
- LinkedIn: https://www.linkedin.com/company/cardda
- Twitter/X: https://twitter.com/_Cardda
- Facebook: https://facebook.com/CarddaHQ

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Profile page: https://yespress.io/cardda-yc-w22
Published by YesPress — https://yespress.io
Last updated: 2026-07-31