ai-native-bank
(2)
Palomma
Palomma is a Medellin-based fintech building an AI-native banking platform for real estate in Latin America, starting with rent. It deploys AI agents that handle leasing, sales, and collections for property managers across WhatsApp, SMS, and phone calls 24/7, then layers on payment collection and disbursement to own the flow of rent and monetize it through credit and insurance products. Founded in the Y Combinator Winter 2023 batch, the company originally launched as a frictionless Pay-by-Bank API for LatAm merchants before pivoting to real estate.
Catena Labs
Catena Labs is a Boston-based fintech building what it calls the first AI-native financial institution - a regulated bank and governance platform designed for AI agents that autonomously send and receive money. Founded in 2025 by Circle co-founder and USDC co-creator Sean Neville, Catena pairs agent identity, deterministic spending policies, and audit trails with account management and stablecoin, card, ACH and wire payment rails. It also open-sourced the Agent Commerce Kit (ACK), a set of protocols for agent identity and payments built on W3C web standards.