Change is a San Francisco fintech that lets businesses plug charitable giving directly into their products. Its Donations API and compliance dashboard connect companies to more than a million U.S. nonprofits, automating the tedious parts of giving - nonprofit verification, fund disbursement, and the tangle of state fundraising regulations like California's AB 488. Companies such as Lyft, Brex, and Bonfire use Change to run round-ups, sweepstakes, loyalty-point donations, and percentage-of-purchase campaigns without building giving infrastructure themselves.
Astra is a San Francisco-based fintech that gives developers a single API to move money instantly between bank accounts and debit cards. Built on rails like Visa Direct, RTP, FedNow and ACH, its platform lets fintechs, banks and enterprises embed instant disbursements, account funding and accelerated transfers without building their own payments stack - going live in about 30 days instead of six months. Founded in 2016 by Gil Akos, Sam Morgan and Zach Nolan, Astra has processed more than $1 billion in lifetime payments and is backed by FPV Ventures, Nyca Partners and others.
Chariot is a New York fintech building the payment infrastructure for charitable giving. Its flagship product, DAFpay, is the first donation option that lets people give directly from a donor-advised fund in a few clicks, and it now appears on the donation forms of more than 100,000 nonprofits. Chariot also helps charities receive, code, and reconcile grant payments through a single portal, tapping into the roughly $326 billion sitting in donor-advised fund accounts.
Xendit is a Southeast Asian payments infrastructure company that lets businesses accept, process, and disburse money across Indonesia, the Philippines, Malaysia, and the wider region through a single API. Founded in 2015 and the first Indonesian company backed by Y Combinator, it handles virtual accounts, e-wallets, cards, QR codes, payouts, and fraud prevention for startups, marketplaces, and global enterprises expanding into the region.