Jose Bethancourt

Jose Bethancourt is the co-founder and CEO of Method Financial, an API platform that lets fintechs and lenders connect to and manage consumers' liability accounts - credit cards, student loans, auto loans and mortgages - using only a phone number. Raised near the Texas-Mexico border in one of the poorest counties in the U.S., he studied computer science and business at UT Austin, co-founded the student-loan startup GradJoy through Y Combinator's Summer 2019 batch, then pivoted the team's account-connectivity frustrations into Method in 2021. Method now serves more than 80 fintech clients including SoFi, Robinhood and Credit Karma, has processed over $500 million in payments, and raised a $41.5M Series B in January 2025 led by Emergence Capital. Bethancourt was named to the Forbes 30 Under 30 Finance list in 2026.