financial-operating-system
(5)
Florin
Florin is a financial operating system for startups that brings banking, payments, cards, and treasury into a single account. Rather than reselling another bank's rails, the company is building the underlying infrastructure end to end, so money moves in real time on a single ledger it owns. Florin launched out of Y Combinator's Summer 2026 batch with an invite-only membership for venture-backed companies.
NextPay
NextPay is a Philippine fintech that gives small and medium businesses the money-movement tools banks make hard to reach: batch payouts to any local bank or e-wallet, payroll, digital invoicing, QR Ph collections, and an API for embedded finance - with no corporate bank account, setup fee, or maintaining balance required. Founded by Don Pansacola and Aldrich Tan and backed by Y Combinator (W21), it has processed billions of pesos for thousands of growing Filipino businesses.
Exponent
Exponent is a New York-based fintech building a financial operating system for America's franchise operators. It combines expansion and acquisition lending, a franchise-focused corporate charge card, and an AI-powered accounting suite so multi-unit operators - the people running dozens of Burger Kings, Dunkins, or Wendy's - can get capital faster and see real-time financials without waiting for month-end reports. Founded in 2023 and led by former Visa and Stripe executive Sohel Roopani, Exponent serves 100+ operators representing over 10,000 locations and raised $40M in equity and credit in 2026.
Translucent AI
Translucent AI is an AI-native financial operating system built specifically for healthcare providers. Its agentic platform unifies clinical, operational, and financial data, then deploys AI agents that continuously monitor P&L, labor, service line profitability, revenue cycle, and payer contracts - answering complex finance questions in plain language and surfacing root causes in real time. Founded in 2024 in New York by former health-system CIO Jack O'Hara, the company aims to give every hospital its own 24/7 financial analyst, replacing the spreadsheet-driven, consultant-dependent FP&A work that has long defined healthcare finance.
Rho
Rho is a New York-based financial technology company that bundles business banking, corporate cards, treasury, accounts payable automation, and expense management into a single fee-free platform. Built for startups, mid-market companies, and accounting firms, Rho positions itself as a 'financial operating system' that replaces the patchwork of legacy banks and disconnected finance tools that growing companies usually stitch together.