qr-payments
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Moreta
Moreta (Moreta Pay) is a Y Combinator S24 fintech building a mobile wallet that lets international travelers, expats and digital nomads pay local merchants by scanning QR codes across Southeast Asia and Latin America - using their own currency, at real exchange rates, without needing a local bank account. It connects to national QR networks like Indonesia's QRIS, Thailand's PromptPay and the Philippines' QR Ph so a Western visitor can pay at street stalls and cafes the same way a local does.
QUIK
QUIK is a Maracaibo-born super app that lets Venezuelans pay, save, shop and get food or groceries delivered in about 30 minutes, all from one phone. Its stablecoin-backed wallet lets users hold and spend in a currency that holds its value in a country long battered by inflation, while its QUIK Pro side gives merchants the software to run their storefront, inventory and logistics. Backed by Y Combinator in the Winter 2022 batch, it was the first startup from Maracaibo to be accepted into the accelerator.
Zbooni
Zbooni is a Dubai-based conversational commerce platform that lets businesses capture orders, send invoices, and accept payments directly inside messaging and social apps like WhatsApp, Instagram, and Facebook Messenger. Founded in 2016 by Ramy Assaf and Ashraf Atia, the company champions what it calls cCommerce - selling through the chat window customers already use - and provides merchants a mobile business dashboard, payment links, and its own payment gateway across the UAE, Saudi Arabia, Jordan, and Egypt.
TERA
TERA is an AI-native spend management and finance automation platform that gives businesses a single command center for corporate cards, accounts payable, procurement, and payments. Built around a team of autonomous AI agents that capture receipts, code bills, enforce policy, route approvals, and post to the ERP, TERA aims to replace spreadsheets and manual finance ops with real-time, self-driving workflows. Founded by Madhu Tera in Acton, Massachusetts, the company markets itself to finance teams across healthcare, manufacturing, e-commerce, logistics, and agritech.