gen-z-finance
(3)
Frich
Frich is a New York-based social finance app for Gen Z that turns money - historically the most awkward topic on earth - into a shared, anonymous conversation. Users answer a daily 'Question of the Day' and benchmark their spending, saving, debt, and parental support against real peers in similar cities and tax brackets. Founded in 2021 by former NYU Abu Dhabi classmates Katrin Kaurov and Aleksandra Medina, Frich has grown past one million users and monetizes through a B2B model, partnering with credit unions and regional banks that want to reach younger members.
Carlo Kobe
Carlo Kobe is the co-founder and CEO of Mine (formerly Fizz), a New York fintech building credit-building debit cards and AI-powered money tools for Gen Z. A German immigrant who dropped out of Harvard at 19 to join Y Combinator's Summer 2021 batch, he built the company after being denied a credit card in Harvard Square because his parents couldn't co-sign. Mine has grown to roughly a million users, about $10M in annual recurring revenue, and raised around $28.5M from Kleiner Perkins, 359 Capital, SV Angel, and Y Combinator.
Mine
Mine (formerly Fizz) is a New York-based fintech building an AI-powered personal finance platform for young adults. Its flagship product is a credit-building card that works like a debit card - spending is capped by your bank balance, repaid daily via autopay, and reported to the credit bureaus so users build credit history without interest, fees, or the risk of falling into debt. In January 2026 the company rebranded from Fizz to Mine and launched MoneyGPT, an AI money agent that learns a user's habits and goals to deliver spending, saving, and planning advice.