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Fabio Torelli Found a $500 Blind Spot in American Credit
A Brazilian credit veteran arrived in Miami, landed in the algorithm’s blind spot, and built OneBlinc around a stubborn question: what if a score is only the beginning of the story?
Abhi
Abhi is a MENAP embedded-finance company that started by letting salaried workers draw wages they have already earned before payday, and has grown into a full stack of employer-facing tools - earned wage access, payroll processing, payroll financing and invoice factoring - plus its own microfinance bank in Pakistan. Founded in 2021 by Omair Ansari and Ali Ladhubhai and backed by Y Combinator (S21), it now serves over a million people across thousands of companies in Pakistan, the UAE, Saudi Arabia and Oman, and was the first MENAP fintech named a World Economic Forum Technology Pioneer.
GIMO
GIMO is a Vietnamese fintech that lets blue-collar workers draw a portion of their already-earned wages before payday through a mobile app connected to their employer's payroll. Founded in 2019 and part of Y Combinator's Winter 2022 batch, GIMO works with manufacturers and other large employers to give underbanked staff an alternative to predatory informal lenders, and has grown to serve hundreds of thousands of workers across the country.