Spenny

Y Combinator Winter 2020 · Other fintech · Other regions

What it sells

Acorns for India. Every time you swipe you make a digital…

Business model breakdown

Workflow: what inputs become what output?

Link bank/UPI; each card, UPI or netbanking spend is rounded up to the nearest Rs 10 and the difference is invested automatically in digital gold or mutual funds.

Economics: what it saves and how it charges

UnverifiedRevenue from fees/commissions on mutual fund distribution (AMFI ARN-registered) and gold purchases (inferred); starts from Rs 10.

Distribution: how it reaches customers

Consumer app download (self-serve).

Funding history and coverage

Round dateStageAmountInvestorsSource
—Y Combinator Winter 2020—Y Combinatorycombinator.com

Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.

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