Multifactor

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y combinator53 y-combinator22 b2b saas15 ai agents15 fintech12 san francisco10 ai10 san-francisco8 yc w268 san francisco startup8 yc s257 developer-tools6 yc w256 yc f256 yc p266 latam6 yc w235 saas5 mcp5 ai-agents5 compliance5 robotics5 yc w225 voice ai5 generative ai5 yc s264 ai agent4 yc-f254 payments4 yc s214 digital health4 cybersecurity4 b2b-saas4 proptech4 yc-w224 hardware4 aerospace4 workflow automation4 ehr integration4 api3 yc w243 b2b payments3 b2b3 ai security3 yc-p263 iot3 mobile app3 yc s243 open source3 yc s223 hard tech3 llm3 developer tools3 enterprise ai3 yc-w263 supply chain3 go23 revenue cycle management2 arr2 bengaluru startup2 reinforcement learning2 industrial ai2 energy2 erp integration2 sales automation2 startup finance2 model-context-protocol2 open-source2 banking as a service2 africa2 cross-border payments2 payment infrastructure2 colombia2 disbursements2 remittances2 yc-s252 mental health2 startup2 penetration testing2 yc x252 rpa2 workflow-automation2 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Tagged: multifactor

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Ai · Saas · Enterprise

Multifactor is a San Francisco cybersecurity startup, part of Y Combinator's Fall 2025 batch, that lets people and AI agents access online accounts without ever exposing the underlying passwords. Using patented post-quantum cryptography, it turns any account - a bank, an inbox, an internal tool - into a shareable, revocable 'read-only' link, the way Google Docs shares a document. Founded by former CIA cyber officer Vivek Nair and ex-NASA cryptographer Colin Roberts, the company raised a $15M seed round in December 2025 led by Nexus Venture Partners.

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