Cardless is a San Francisco fintech that gives consumer and product-led brands the infrastructure to launch and run their own co-branded credit cards. Its API-first platform handles the parts most companies never want to touch - underwriting, compliance, issuing-bank relationships, rewards and servicing - so a brand can ship a branded card inside its own app in weeks instead of the year-plus a legacy bank program takes. Founded in 2019, Cardless powers cards for partners including Coinbase, Bilt, Qatar Airways, Alibaba.com and Simon, and raised a $60M Series C led by Spark Capital in September 2025.
CertifyOS is a New York-based healthcare technology company building the provider data infrastructure layer for health plans, health systems, and digital health companies. Its API-first platform automates credentialing, licensing, enrollment, and continuous network monitoring, unifying data from thousands of primary sources into a single, continuously updated source of truth. Founded by former Oscar Health operators, the NCQA-accredited CVO tracks 1,600+ data points per provider and manages 15+ million licenses, turning a notoriously slow, manual back-office process into real-time infrastructure.
Joshu is an AI-native insurance platform that lets carriers, MGAs, and wholesale brokers build, sell, and run insurance products in one place - configuring forms, rating rules, underwriting workflows, document generation, and branded broker storefronts without writing code. Founded in 2020 by At-Bay alumni Roy Mill and Shimi Bornstein, the company aims to collapse the months-long, engineer-heavy process of launching a commercial insurance product into days, giving insurance teams direct control over their own products.
KarmaCheck is an AI-driven background check and credentialing platform that makes employment screening faster, cheaper, and more accurate. Founded in 2019 by LinkedIn co-founder and founding CTO Eric Ly, the company combines real-time identity verification, criminal and credential checks, drug screening, and occupational health into an API-first platform that plugs into the ATS, HRIS, and HCM systems staffing and healthcare teams already use. In 2025 it launched the industry's first MCP server, letting AI agents run verifications through plain-language prompts.
Anshul Rathi is the founder and CEO of CertifyOS (Certify), a New York-based healthcare provider data platform that credentials clinicians in under two minutes using six data elements instead of 40-page forms. An engineer by training, he spent roughly six years as one of Oscar Health's earliest employees building its provider network and data infrastructure before leaving to attack the same problem industry-wide. CertifyOS takes an API-first, data-first, automation-first approach to making provider data a single source of truth across U.S. healthcare. The company raised a $40M Series B in June 2025, bringing total funding to about $69M.
Sanity is a content platform that treats content as structured data rather than pages, giving developers an API-first backend (the real-time Content Lake), a query language (GROQ), a rich-text spec (Portable Text), and a fully customizable React editor (Sanity Studio). Founded in Norway in 2016, it now positions itself as the 'Content Operating System for the AI era,' powering web, mobile, and agentic applications for teams like Nike, Puma, Figma, Cloudflare and National Geographic.
Wingspan is a New York-based payroll and management platform built specifically for the 1099 contractor workforce. It automates the full contractor lifecycle - onboarding, W-9 verification, background checks, same-day payments, tax withholding, and automated 1099 filing - and now ships that stack as an embeddable, white-label API (Wingspan Embed) for HR, HCM, and PEO platforms. The company has processed more than $3 billion in contractor payments and counts Teladoc Health and CRU Group among its customers.
Noyo is a San Francisco-based benefits data platform that uses APIs and AI to connect insurance carriers, benefits administration software, and HR teams. It turns the slow, error-prone exchange of employee benefits data into real-time, automated connections, eliminating manual data entry and coverage-impacting errors across the benefits ecosystem.
Roy Mill is the Co-Founder and CEO of Joshu, a no-code insurance product platform that lets carriers and MGAs launch digital distribution channels in weeks rather than years. A Stanford PhD economist who pivoted into product, he spent years at Ancestry and At-Bay before founding Joshu in 2020. The company has raised $11.7M in total funding and was named to the InsurTech100 list in 2024.
Contentful is an API-first, cloud-native content platform - the company that popularized the 'headless CMS.' Founded in Berlin in 2013, it separates content from presentation so teams can store structured content once and deliver it anywhere: websites, mobile apps, kiosks, smart watches, or AI agents. It serves more than 4,800 brands, including roughly 30% of the Fortune 500, and in June 2026 entered an agreement to be acquired by Salesforce to power the content layer behind Agentforce.
EIS Ltd (EIS Group) is a San Francisco-based insurance software company that builds cloud-native core systems for ambitious insurers. Its flagship EIS OneSuite platform - now infused with agentic AI through CoreGentic - handles policy, billing, claims and customer management across property & casualty, life, annuity and benefits lines, replacing the rigid legacy mainframes that have slowed the industry for decades.
Middesk is a San Francisco-based business identity platform that helps banks, fintechs, lenders, and marketplaces verify the businesses they transact with. Its KYB APIs turn the slow, paper-heavy process of vetting a company into a real-time decision, powering onboarding at firms like Brex, Plaid, Mercury, Gusto, Affirm, and Shopify.
Dan Woods is the Founder and CEO of Socotra, the AI-native cloud-native insurance core platform he built from scratch starting in 2014. A Stanford AI researcher and former Palantir engineer (employee #20), he left the data-intelligence world to fix insurance technology - an industry he describes as 'a decade behind banking.' Under his leadership, Socotra has raised $87M+ in total funding including a $50M Series C led by Insight Partners, and powers carriers and insurtech MGAs who can now launch insurance products in weeks instead of years.
Dustin Yoder is the CEO and Co-Founder of Sureify, a San Jose-based insurtech SaaS company that builds a low-code, cloud-native platform helping life insurance and annuity carriers digitize their sales, service, and engagement operations. With roots in the insurance industry through his family's Silicon Valley brokerage, Yoder entered insurtech in 2012, making him one of the earliest pioneers in the space. Under his leadership, Sureify has grown to serve marquee carriers including State Farm, Allstate, Nationwide, and Principal, reaching $38.9M in annual revenue by 2024 after raising $25M+ in total funding including a $15M Series C from Aspen Capital Group in 2021.
Kurt Ruppel is the Co-Founder and CTO of Middesk, the business identity platform that helps financial institutions, fintechs, and marketplaces verify and onboard businesses in seconds rather than weeks. A UC Berkeley cognitive science alumnus turned engineer, he built his technical chops at Zendesk and Checkr before co-founding Middesk with Kyle Mack in 2018. The company went through Y Combinator's Winter 2019 batch, secured a $4M seed led by Accel and Sequoia before Demo Day ended, and raised a $57M Series B in 2022—bringing total funding to over $77M. Ruppel leads Middesk's technical vision, focusing on primitives and forward concepts that transform raw business data into actionable intelligence for the financial ecosystem.
Socotra is a cloud-native insurance core platform that gives carriers, MGAs, and InsurTechs a fully configurable system for policy administration, billing, claims, and analytics - so they can launch new products in weeks instead of years, and run them on infrastructure that updates 48 times a year without breaking.
Amy Saper is a General Partner at Uncork Capital, the San Francisco seed firm where she backs AI-enabled B2B, developer tools, API-first infrastructure, and fintech founders. Before investing, she shipped product at Twitter, Uber, and Stripe; before Uncork, she spent four years as an early-stage partner at Accel, leading checks into Gamma, Sprinter Health, Beam, and Complete.
Modern Treasury is a San Francisco software company that builds payment operations infrastructure for businesses moving money at scale. Its API-first platform connects directly to banks and unifies ACH, wire, RTP, FedNow, and stablecoin rails behind one developer-friendly interface, with a real-time ledger and automated reconciliation built in. Founded in 2018 by three engineers who lived through the pain firsthand at a mortgage marketplace, the company has powered hundreds of billions of dollars in payments for customers like Gusto, Marqeta, Navan, ClassPass, and Procore.
Grace Chang is the Taiwanese-American founder and CEO of Kintsugi, the Berkeley-based startup that built AI capable of detecting clinical depression and anxiety from just 20 seconds of free-form speech. A five-time entrepreneur with roots in signal processing and consumer tech, she raised $28 million, launched Japan's default mental health screener, and built the world's largest annotated voice dataset for mental health machine learning - before making all of Kintsugi's research and technology open source in early 2026 after FDA regulatory hurdles made the venture-backed model unsustainable.