yc-w22
(36)
Anfin
Anfin is a Ho Chi Minh City-based fintech building a mobile multi-asset trading platform for Vietnam's retail investors. By offering fractional shares - letting people buy slices of blue-chip stocks for as little as 10,000 VND (about $0.40) - plus ETFs, commodities, social features and bite-sized education, it lowers the barrier for a young, first-time investing generation. Backed by Y Combinator (W22), Goodwater Capital and Global Founders Capital, Anfin has crossed a million app downloads and roughly 100,000 funded accounts.
Axross
Axross is a Singapore-based, Y Combinator W22 climate-tech company that builds AI-driven HVAC control systems for industrial facilities. By layering machine-learning optimization, IoT sensing, and building-management-system integration on top of existing cooling infrastructure, Axross helps manufacturers in energy-intensive sectors like pharmaceuticals, semiconductors, and precision manufacturing cut HVAC energy use by up to 30%, lower Scope 2 emissions, and hold production environments precisely stable - without ripping out the equipment they already own.
AYC Fund
AYC Fund is an AI-native crypto hedge fund out of Y Combinator's W22 batch, founded in 2021 by MJ Kim in Seoul. It builds systematic, rules-based trading engines for digital-asset markets and now runs a private, invite-only program for qualified clients - high-net-worth individuals, family offices, and advisors - where capital stays in the client's own exchange account and the fund trades through read-and-trade API access rather than taking custody.
Cardda
Cardda is a Chilean fintech (YC W22) building all-in-one spend management for Latin American businesses. It combines virtual and physical corporate cards, automated local and international transfers, reimbursements, and accounts payable in one dashboard, plus a payments API for mass payouts. It plugs into Chile's SII tax service and ERPs like SAP, Oracle, Defontana and Nubox, giving finance teams real-time control over company spending.
Clupp
Clupp is a Mexico City insurtech offering pay-per-kilometer insurance for cars, motorcycles, bicycles, scooters, and gadgets. Its app prices policies on how much and how well you drive, rewarding low-mileage and low-risk customers with lower premiums. Founded in 2021 and backed by Y Combinator (W22), Clupp partners with established carriers and reinsurers to cover claims, and has expanded into B2B SaaS tools for brokers and insurance products tied to startup financing.
Cozmo AI
Cozmo AI (formerly CozmoX AI) builds multimodal 'AI employees' that answer calls, read documents, and complete regulated business processes end to end for financial services, insurance, and enterprise operations. Founded by Alok Kumar and Nuha Hashem - the team behind the Gen Z neobank Zywa - the Y Combinator W22 company runs from San Francisco and Dubai, and says its agents handle voice conversations in 70+ languages including multiple Arabic dialects.
Creizer
Creizer is a Mexico City fintech providing revenue-based financing to online sellers across Latin America. Often described as the Clear.co (formerly Clearbanc) for LATAM, it underwrites credit using a seller's daily sales and store metrics rather than traditional collateral, then collects repayment as a percentage of ongoing sales with no fixed installments or interest rates. Founded in 2021 by Emiliano Musalem and part of Y Combinator's Winter 2022 batch, Creizer offers credit lines from roughly 30,000 pesos up to several million, targeting the more than 80% of Latin American SMEs that lack access to conventional bank loans.
Eazipay
Eazipay is a Lagos-based payroll and payment automation platform that lets African businesses run payroll, remit taxes and statutory contributions, and pay their teams in about five minutes. Founded in 2021 and backed by Y Combinator (W22), it also offers payroll APIs for banks and neobanks and financial-wellness tools such as early wage access for workers.
Fresh Factory
Fresh Factory is an Indonesian smart cold chain fulfillment platform that operates a network of hyperlocal micro cold-storage hubs, transportation, and fulfillment software so food, beverage, and other temperature-sensitive brands can store, pick, pack, and deliver perishable goods to consumers and retailers faster and cheaper. Founded in Jakarta in 2020 and part of Y Combinator's Winter 2022 batch, it functions as an outsourced cold-chain backbone for e-commerce sellers and MSMEs across Indonesia.
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.
Hyperbeam
Hyperbeam is a developer API for embedding cloud-hosted virtual computers and multiplayer web browsers directly inside any web, mobile, VR, or desktop app. Built on streamed Chromium instances delivered over WebRTC, it lets many people view and control the same live browser session at once - powering watch parties, co-browsing, remote learning, virtual offices, and increasingly the browser layer for AI agents. Founded by three University of Waterloo engineers, it went through Y Combinator's Winter 2022 batch.
Impossible Metals
Impossible Metals is a San Jose-based ocean robotics company building autonomous underwater vehicles that harvest polymetallic nodules from the deep seabed one at a time. Its Eureka Collection System uses AI computer vision and a buoyancy engine to hover above the seafloor, pick up individual nodules containing nickel, cobalt, copper and manganese, and leave nodules with visible marine life untouched - an approach the company positions as a lower-impact alternative to both land mining and the seabed-dredging methods used by rivals.
Industrial Next
Industrial Next builds AI-defined factories: robotic work cells powered by proprietary foundation models that connect vision, task context, and motion so a production line can be retooled in minutes instead of weeks - no programming required. Founded in 2021 by former Tesla autonomous-manufacturing leads Allen Pan and Lukas Pankau, the San Francisco company aims to bring Tesla-grade autonomous factory capabilities to automakers and electronics manufacturers.
Lenk
Lenk is a Latin American loan-origination platform that lets banks, financial entities, and fintechs digitize the entire credit lifecycle - from lead capture and onboarding to underwriting and disbursement. Its white-label, modular software automates commercial, consumer, mortgage, automotive, and leasing credit with configurable workflows and dozens of pre-built integrations to regional registries and bureaus. Founded in 2021 and backed by Y Combinator (W22), Lenk says it serves 20+ institutions across three countries, processing roughly 500,000 applications and $2B in transactions a year.
LumiBot
LumiBot (YC W22) builds AI copilots for factories. Its current product uses a camera and computer vision to watch operators' hands during manual assembly, catching mistakes in real time before a defective unit moves down the line. Founded by Aswin Andrison and backed by Y Combinator, Monk's Hill Ventures, Alpha JWC and Goodwater Capital, the company grew out of earlier work automating repetitive back-office and procurement workflows for industrial and e-commerce operators.
Mahaana
Mahaana is Pakistan's first licensed digital wealth manager, a Y Combinator (W22) backed fintech that lets anyone start investing from PKR 1,000 in about ten minutes with no paperwork. Regulated by the SECP as a Non-Banking Financial Company, it offers Shariah-compliant savings, money-market funds, an index ETF and retirement plans through a mobile-first, robo-advisory platform aimed at onboarding Pakistan's largely unbanked, non-investing population.
Munily App
Munily is a Panama-based proptech company building an access-control and community-management platform for gated communities across Latin America. It replaces broken intercoms and paper visitor logs with an app-and-tablet system that connects security guards, residents, and property administrators - guards photograph a visitor's ID and pick the apartment, and residents approve or deny entry from their phones. A Y Combinator W22 company, Munily has expanded into billing automation, live amenity reservations, and AI-assisted access (license-plate and facial recognition).
MySivi
MySivi is a Bengaluru-based, AI-powered English-speaking practice app (Y Combinator W22) that helps Indian and global learners build spoken fluency through conversation with an AI teacher named Arya, real-time feedback on grammar and pronunciation, gamified lessons, and a peer-learning community. Originally launched as Speakify AI, it operates on a freemium model and has grown to millions of Android downloads.
Netmaker
Netmaker is an open-source virtual networking platform built on WireGuard that automates fast, secure, distributed mesh networks across clouds, data centers, edge sites, and devices. Founded by former IBM cloud engineers Alex Feiszli and Dillon Carns, it lets teams stitch together servers, containers, IoT devices, and remote users into a single flat, encrypted network - a kind of VPC for distributed systems. A YC W22 company, Netmaker pairs a widely adopted open-source project with paid Professional and Enterprise editions aimed at businesses and managed service providers.
Offbeast
Offbeast is a Baltimore food-tech company making plant-based whole-cut steaks - filet mignon, ribeye and steak bites - that mimic the muscle-fiber texture of real beef. Its proprietary Cross-Fiber Assembly platform bundles plant fibers into steak-like cuts through continuous manufacturing, avoiding the expensive equipment and biological processes rivals rely on. Founded in 2022 (as Mooji Meats) and backed by Y Combinator, the company sells to East Coast restaurants and direct to consumers.
PayCaddy
PayCaddy is a Panama-based Banking-as-a-Service platform that lets Latin American companies launch financial products through an API. Businesses use its stack to open KYC-verified digital wallets, automate online payments, and issue branded Mastercard debit and prepaid cards - without building core banking infrastructure or negotiating directly with legacy banks. A Y Combinator Winter 2022 company, PayCaddy positions itself as embedded-finance infrastructure for emerging markets.
Peakflo
Peakflo is a Singapore-founded, Y Combinator-backed (W22) finance automation platform that puts B2B accounts receivable and accounts payable on autopilot. It connects to accounting systems and ERPs to automate invoice collections, bill payments, expense reimbursements and reconciliation, helping finance teams get paid faster, cut vendor payment time and reclaim thousands of hours a month. Positioned as the AI-native alternative to legacy AP/AR tools for the mid-market and Southeast Asia.
Powerhouse AI
Powerhouse AI is a Y Combinator (W22) startup building an AI vision copilot for warehouse operators. Using an ordinary phone or tablet camera, its software counts boxes on pallets, reads shipping labels and logistics documents, and verifies inventory without manual data entry - aiming to make receiving, cycle counting, and shipping up to 20-40% faster while cutting human error. Founded in 2021 by Ivo Verhaegh and Kushal Pillay, the company operates between Singapore and New York.
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.
RecordBook
RecordBook (also branded Rekord) is a Bengaluru-based, mobile-first no-code workspace that lets small and medium businesses replace paper registers and rigid spreadsheets with flexible tables, custom workflows, roles and team collaboration - all from a phone and in local languages. Founded in 2021 by IIT Kanpur alumnus Abhishek Choudhary and Robbin Singh, it went through Y Combinator's Winter 2022 batch and pitches itself as 'Airtable for the 400 million SMBs' in emerging markets.
Sekilo
Sekilo is a Jakarta-based B2B company building an AI-powered halal protein supply chain for Indonesia's foodservice industry, starting with poultry. Formerly the quick-commerce grocery startup Dropezy (YC W22), it pivoted in 2023 to process and distribute chicken to caterers, restaurant chains, industrial buyers, and processed-meat factories. Sekilo unifies procurement, processing, cold chain, and delivery into a single asset-light operating layer, handling custom orders from 25kg for small caterers up to 10-20 tons for large buyers.
Shuttle Central
Shuttle Central is a Cancun-based travel-tech company (YC W22) that helps travel companies sell ground transportation online. Its API and booking platform let agencies, OTAs, and mobility businesses offer airport shuttles, private transfers, hourly drivers, and car rental across 100+ destinations in Mexico, the Caribbean, the USA, and Latin America - without building their own supplier network or dispatch infrastructure.
Starling Medical
Starling Medical is a Houston-based digital health company (Y Combinator W22) building an at-home urine monitoring platform that clips onto a toilet and analyzes urine at every bathroom visit. Using spectroscopy sensors and AI, its UrinDx / StarStream device sends readings to a clinical care team that follows up when something looks off, aiming to catch recurrent UTIs, BPH flare-ups, kidney disease and diabetes complications before they become hospitalizations. The company bills through remote patient monitoring reimbursements, turning routine bathroom trips into a continuous diagnostic stream.
Top Road
Top Road is a Sydney-based, Y Combinator-backed startup that gives creators no-code payment and analytics tools to turn custom GPTs into revenue-generating apps inside the OpenAI GPT Store. Its GPT Tools action lets builders add subscription paywalls, collect emails, whitelist users, and track usage - without writing code. The company says it has enabled more than USD 300K in subscription revenue for GPT builders.
Topship
Topship is a Lagos-based digital freight forwarder that lets African businesses and individuals ship parcels, cargo and freight to and from more than 150 countries. Founded in 2020 and part of Y Combinator's Winter 2022 batch, it functions as an asset-light shipping layer - booking, tracking, insurance and, increasingly, an AI shipping assistant - aimed at the merchants who move goods across borders but were previously stuck with informal agents and opaque pricing.