GoldenBasis Alternatives

Central kills back-office work for startups. While HR/payroll platforms give you software to figure it out, Central actually does all the work using AI agents and human experts: payroll, benefits, compliance, accounting, taxes, and more. That's 10+ hours back every month. Thousands of founders trust Central, including high-growth companies like Magic Patterns, Wordware, and Bitesight. Learn more and start for free at centralhq.com

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Cleva

Payment Processing

Cleva enables African freelancers and businesses to receive international payment for their service, while protecting themselves from local currency volatility. With a Cleva USD account, one can easily receive USD payment from anywhere in the world, spend via a card, pay bills, convert to local currency, and save in USD to hedge against local currency volatility.

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Blaze

Payment Processing

Blaze (YC S24) is global Venmo for cross border payments. It's a peer to peer payments app that uses USDC to make payments fast and cheap between any two people anywhere in the world. The founders scaled their last startup to $1M in ARR, studied mathematics and engineering at Duke, NYU, and Cornell, and have led teams at Spotify, Artsy, and Bitpanda. They're live in the US and Mexico, available for download on iOS and Android: https://blaze.money

Formula Insight offers Institutional Investors previously inaccessible data. We provide a central repository of financial models so investors can track changes to forecasts, quantify projection accuracy and expedite analysis. This further systematizes the investment process and enables better investment decisions.

NowHouse helps stock brokerages settle trades instantly.

The New Money Company protects invoices with insurance. We help businesses expand to buyers in new markets or industries by offloading the risk of buyers not paying their bill. Support number: +18889975745.

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Forge Rewards

Payment Processing

Forge Rewards is a SaaS solution focused on Artificial Intelligence, Fintech, Food Tech. Founded by Y Combinator alumni, this platform provides innovative tools and services to help companies streamline their operations and achieve their goals. Built with modern technology and user experience in mind, Forge Rewards offers scalable solutions for teams of all sizes.

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Double

Payment Processing

Double lets anyone design and invest in their own stock index that’s advised, managed and tax optimized by Double.

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Finosu

Payment Processing

Hi - Mark and Gab here! We met while working at Alt, a marketplace for collectibles, where we built a $200 million specialty finance business line. At Alt, we faced the complex challenges that come with servicing consumer loans. We spent countless hours and resources developing internal tools to manage loan payments, communicate with borrowers, and keep track of loan performance—all while ensuring a positive experience for our customers. However, after dealing with the headaches of manual data entry, fragmented systems, delayed payments, lack of personalized borrower engagement, and the stress of maintaining accurate records, we knew there had to be a better way to service consumer loans. So, we started Finosu to build the servicer we wish we had—an AI-powered consumer loan servicer designed to streamline and enhance every aspect of the loan servicing process. Our mission is to transform loan servicing into a seamless, efficient, and customer-centric experience. The operational cost of servicing loans reaches into the tens of billions a year and that is money out of the pocket of lenders, borrowers, investors, and ultimately the consumers as a cost of doing business – we are changing that.

Ryse is the only marketplace where investors who want to buy leases can trade with real estate operators who want to sell leases.

Banks and fintechs have large teams of human analysts who conduct manual checks and reviews. We replace those human compliance analysts with AI agents that automate 80% of the manual work for faster and more compliant financial crime (AML) reviews. Our first three products are: Screening AI (discount 91% of screening alerts), KYB/C AI (speed up onboarding), Transaction Monitoring AI (handle AML transaction monitoring alerts) Our end goal is to have a whole suite of AI workers that can handle manual compliance work for banks and fintechs. A $24B opportunity in the US alone.

Clarum is an investment due diligence and research platform designed for private equity investors. It connects directly to a firm’s data sources, structures key financial metrics and deal terms, and performs analysis with AI across Excel, Word, and PowerPoint—mirroring the approach of an associate conducting due diligence. Clarum is trusted by private equity firms, family offices, venture capital groups, and consulting teams. We automate major parts of the diligence workflow, enabling faster insights and better risk coverage.

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Miden

Payment Processing

Miden is building a modern infrastructure that facilitates the launch of card programs and various financial products for businesses in Sub-Sahran Africa. Just by reducing integration time, card fraud, improving stability, and being customer focused we quickly rose to top 5 in TPV among card issuing Fintechs in Sub-Saharan Africa within 8 months of launch. We’re going to build the first comprehensive fintech and banking software stack for Africa, based on modern technology. We’re starting with a card issuer-processor.

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Square

Payment Processing

Square made payment processing accessible to small businesses by offering transparent pricing and hardware that works seamlessly with smartphones and tablets. The platform eliminates traditional barriers to accepting card payments, allowing anyone with a mobile device to start accepting payments immediately. Square's point-of-sale system provides inventory management, employee management, and analytics that help small businesses operate more efficiently. The platform's ecosystem extends beyond payments to include payroll services, appointment scheduling, customer engagement tools, and business financing. Square excels in retail and service businesses where transactions happen in-person and online, providing unified commerce solutions that track sales across all channels. The platform's simplicity and transparent pricing have made it particularly popular among small businesses, restaurants, and service providers who want professional payment capabilities without complex contracts or hidden fees.

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Infinity

Payment Processing

Infinity is a banking and payments platform for cross-border businesses in India. We help our customers make cross-border payments that are 70% cheaper than traditional methods and earn income on idle cash by investing in government securities.

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Swift

Payment Processing

Swift is building instant international payments to replace the archaic correspondent banking infrastructure. Our first product is an all-in-one embedded finance platform for online merchants.

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Paasa

Payment Processing

Paasa helps wealthy Indians invest in global equities - without middlemen, hidden fees, or paperwork. While high-net-worths in India often have international expenses from children's education to healthcare, most still save in INR, a currency that depreciates ~2–5% per year against the USD. Why? - Broken outward remittance process - Fear of making mistakes in tax or compliance - Paper-heavy onboarding processes of international brokers - Lack of trustworthy guidance Paasa offers a mobile app that enables Indians to trade worldwide, invest passively, and automate every cross-border tax filing.

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SureBright

Payment Processing

SureBright lets e-commerce merchants embed "Apple Care” like product warranties into their checkout flows in less than 10 minutes. Our AI-powered warranty platform generates incremental revenue and boosts customer loyalty at zero cost to the merchant. Sanket led engineering at PolicyBazar, an insurance tech company that IPOed and is valued at over $8B. Manish worked at Amazon and has built $100M ARR products, handling over 180B requests per day. Until now, finding the right policy for any product and pricing it at the right price wasn’t possible at scale. We automated this process using LLM and have unlocked a $50B+ opportunity. Each month, over 5 million consumers view SureBright warranty offers.

ROE AI solve risks and compliance problems for financial industry.

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Yenmo

Payment Processing

Yenmo offers a better way to access cash for India’s 65 million investors who either resort to personal loans at over 18% interest or have to liquidate their investments when in need of money. With Yenmo, they can pledge their investments digitally and instantly get a loan at a fixed 10.5% interest rate. Our Insight - In India, over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.

Consumers miss out on $70B+ every year because they're busy and unaware, and that money is sitting in their email inbox. So, we automated reading email receipts and claiming the money they're entitled to, offering a service to which you can sign up once, do (literally) nothing, and earn $. Where is this money coming from? - Retailers: When the price of clothes or furniture you've already bought drops, you're entitled to a refund for the difference - Airlines: When a flight you've booked gets delayed or canceled, you're entitled to a cash compensation. - Enterprises: When a class-action lawsuit is filed against a company you engage with, you're entitled to money. - And many more, that even the government holds some of your unclaimed funds. Today, the dream of one service that automatically claims the money you deserve when you shop, fly,... and live is (finally) possible. We started with automating refunds in the shopping industry and have secured $8,000 in refunds to our users, growing 233% MoM. With AI, we've been able to repurpose that same automation to tackle refunds in the flight industry and the class-action lawsuit landscape. Why us? (1) We're obsessed with reclaiming what's rightfully yours: Kamal and Anthony grew up in Lebanon, where people's money was unfairly taken away. (2) Weijie was the lead infra engineer for Wish's recommendation system, the feature that fueled their IPO. Our combined experience includes Apple, Addepar, Bolt, Wish, and StackAdapt. And we're all working towards one goal: move those billions of dollars where they belong.

At Village Labs, we help America's businesses become employee owned by helping them set up and manage an employee stock ownership plan (ESOP). ESOPs are a federal retirement plan that enable businesses to give their employees a stake in the company in exchange for significant tax benefits. With 2.9M Baby Boomer business owners set to retire in the coming years, there's a growing "Silver Tsunami" of businesses across the country in search of new ownership. For many of these owners, selling to their employees is a socially-minded yet financially pragmatic solution. By selling ownership of their business to an ESOP, owners get a fair price, tax benefits, and the satisfaction of knowing their employees and legacy will be taken care of — things not guaranteed with traditional buyers like private equity. In turn, employees retain their jobs and get shares in the business that can help them create life changing wealth by the time they retire — imagine an office secretary retiring as a millionaire. Thousands of businesses across America like Bob's Red Mill, Harpoon Brewery, and Recology already have an ESOP, benefiting over 14 million workers and creating 2.1 trillion in employee wealth. We're excited about the opportunity to massively grow these numbers by making it simple for every business to become employee owned.

Our platform makes it simple for small businesses to compare top-rated business insurance providers, buy the right coverage online, and manage policies all in one place. If you're a carrier interested in partnering, send us a DM.

RentFlow is the first ‘Buy Now Pay Later’ rent collection platform. In the US alone, ~ 50% of small & medium businesses, and ~ 15% of residents are behind on their rent. RentFlow’s mission is to decrease the financial and administrative burden of late rent for everyone. Thanks to our partner bank, we automatically pay property managers upfront for their rent & fees on the 1st of the month. Meanwhile, business owners and residents have the possibility to pay their rent in flexible installments that adapt to their cash flow needs. We also report timely installments to all major credit bureaus to help renters build their credit score fast while paying on their own schedule. RentFlow leverages Generative AI to provide a built-in rent collection agent and to unlock installment plans on an ongoing basis based on each tenant’s risk profile. With RentFlow, say goodbye to late rent once and for all.