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Y Combinator Winter 2023 · Banking & neobanks · Other regions

What it sells

Neobank for global remote workers

Business model breakdown

Workflow: what inputs become what output?

Receive USD/EUR/stablecoin payments to a US account, spend with Visa card in 180+ countries, invest in US stocks/ETFs, withdraw to local currency.

Economics: what it saves and how it charges

Monthly plans plus fees on withdrawals, trades and FX; interest-bearing balance with tiered APR.

Distribution: how it reaches customers

Self-serve app, referral program, tip to get Pro free via salary through Deel, Ontop or Rippling.

Funding history and coverage

Round dateStageAmountInvestorsSource
—Y Combinator Winter 2023—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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