You asked about Banking as a Service
3,803 people built something like it. 711 are gone.
That is 21% of the ones whose fate we could settle, against 23% across the whole register. Half of the gone ones were last seen within 19 months of launching. 371 were acquired.
| Launched | What it was | Today |
|---|---|---|
| 2009-06-01 | YCStripe Economic infrastructure for the internet. · stripe.com | still up |
| 2012-06-01 | YCCoinbase Buy, sell, and manage cryptocurrencies. · coinbase.com | acquired |
| 2015-01-01 | YCRazorpay India's only full-stack financial solutions company for businesses. · razorpay.com | still up |
| 2022-04-28 | onjuno.com | gone |
| 2020-06-01 | YCSpenmo A spend management software that provides businesses visibility,… · summitglobal.com | still up |
| 2019-01-01 | YCVerto Cross-Border Payments and FX Simplified · vertofx.com | still up |
| 2014-01-01 | YCAxoni Axoni is building the next generation of capital markets technology · axoni.com | acquired |
| 2019-01-01 | YCAlpaca API-first stock and crypto brokerage platform · alpaca.markets | still up |
| 2020-06-01 | YCJeeves International banking infrastructure for global startups. · tryjeeves.com | still up |
| 2018-01-01 | Embedded banking software platform and marketplace · treasuryprime.com | still up |
| 2013-06-01 | YCArcus Payment-as-a-service that helps any business launch payment solutions · arcusfi.com | acquired |
| 2020-01-01 | YCBelvo Open Finance API platform for Latam. · belvo.com | still up |
| 2021-06-01 | YCSlash Banking, corporate cards, stablecoin payments – available globally. · slash.com | still up |
| 2020-01-01 | YCBeGo BeGo Connects cargo shippers with truck suppliers in Mexico and US · bego.ai | still up |
| 2017-01-01 | YCAella Diversified credit infrastructure powering payments across Africa. · aellaapp.com | still up |
| 2015-01-01 | YCBankjoy An end-to-end digital banking solution for banks and credit unions · bankjoy.com | still up |
| 2020-06-01 | YCDecentro API Platform for Banking Integrations (Plaid for India and APAC) · decentro.tech | still up |
| 2017-06-01 | YCPrelim Build better banking · prelim.com | still up |
| 2021-01-01 | Plaid for Southeast Asia · finantier.co | gone |
| 2023-06-01 | YCCasca Make Banking Magical · cascading.ai | still up |
| 2017-01-01 | Low-code integration platform for banking · sandboxbanking.com | acquired |
| 2022-01-01 | YCArc Banking & Funding for Startups · joinarc.com | acquired |
| 2018-06-01 | Cryptocurrency infrastructure for Africa. · helicarrier.studio | still up |
| 2022-01-01 | YCWibond Affirm for LATAM · wibond.co | still up |
| 2021-01-01 | YCNextPay The digital bank for small businesses in the Philippines. · nextpay.world | still up |
| 2017-06-01 | YCtpaga First financial Superapp of Latin America · tpaga.co | still up |
| 2022-01-01 | YCPayCaddy Simplified Banking as a Service for Latam · paycaddy.com | still up |
| 2022-01-01 | Group Financing for small businesses across Africa. · userank.com | still up |
| 2019-01-01 | YCGlobe coinbase for derivatives · globe.exchange | still up |
| 2020-01-01 | YCJenfi Jenfi provides revenue-based financing for digital businesses in Asia · jenfi.com | still up |
| 2020-06-01 | YCNovel Novel is your international business bank account · trynovel.com | still up |
| 2020-06-01 | YCIncrease API-first banking for ambitious technology companies. · increase.com | still up |
| 2019-06-01 | YCMultis Accounting & Treasury Management Software for Web3 Teams · multis.com | gone |
| 2021-01-01 | YCStriga Compliant Crypto and Banking Infrastructure · striga.com | acquired |
| 2023-06-01 | AI-powered risk and compliance for financial institutions · kobaltlabs.com | still up |
| 2022-01-01 | YCNash All in one finance platform for borderless businesses in Africa · getnashglobal.com | still up |
| 2022-01-01 | FundOS — AI operations for fund managers · vantedgeai.com | still up |
| 2018-06-01 | YCOWNY AI driven payment rails for emerging market banks. · owny.com | still up |
| 2021-01-01 | YCDayra Data-driven embedded Financial Services for Gig Workers · dayra.co | still up |
| 2019-01-01 | YCParker Parker is a digital bank. · getparker.com | gone |
| 2022-06-01 | YCAnchor Embedded finance platform for African businesses · getanchor.co | still up |
| 2021-06-01 | YCIvella Banking and savings products designed for couples · ivella.com | gone |
| 2018-06-01 | Developer-friendly and enterprise-grade APIs for financial market… · alphavantage.co | still up |
| 2022-06-01 | Card issuer for Africa · bridgecard.cards | gone |
| 2025-01-01 | Pending CFTC regulation to be the first cash and physically settled… · liquidcompute.com | still up |
| 2022-01-01 | YCValari Embedded finance platform for LatAm. · valari.co | gone |
| 2018-01-01 | YCBen The easiest way to learn about, buy, and store cryptocurrency. · ben.co | gone |
| 2022-01-01 | YCSei AI AI Operations Partner for Mortgage & Banking · seiright.com | still up |
| 2013-06-01 | Banking APIs; acquired by Silicon Valley Bank in August 2015 · standardtreasury.com | acquired |
| 2019-06-01 | Household needs, from bread to everything. · breadfast.com | still up |
| 2013-06-01 | YCDoorDash Restaurant delivery. · doordash.com | acquired |
| 2019-01-01 | YCDeel The all-in-one HR and payroll platform for global teams · deel.com | still up |
| 2020-01-01 | The fastest shipping for online shopping · 99minutos.com | still up |
| 2014-01-01 | YCFlexport Platform for global logistics. · flexport.com | still up |
| 2015-01-01 | YCGitLab A complete DevOps platform delivered as a single application. · gitlab.com | acquired |
| 2023-06-12 | non.io | still up |
| 2011-01-01 | Platform for the greatest products from the past, present and future. · goatgroup.com | still up |
| 2022-12-20 | obsidian.md | still up |
| 2017-06-01 | YCTruepill API-connected healthcare infrastructure. · truepill.com | acquired |
| 2022-02-17 | bardeen.ai | still up |
How this compares
Y Combinator reports its own outcomes, including acquisitions. The other two are judged by asking the domain, so they are not measured the same way and are never averaged together.
Older launches have had longer to die, so this slope is expected. A year that broke it would mean something is wrong with the checking.
Matched on whole words in the title and description, so a launch can fall into two categories and plenty fall into none.
The register re-probes every domain it holds. Some that answered last month stop answering. We send that list — what went quiet, and what it was — once a month. Nothing else.
How this was made. Show HN entries are every post from 2021 to 2023 with at least five points that linked to its own domain; code hosts and free hosting are excluded, because a repository outlives the effort behind it. Product Hunt entries needed 100 votes — a far higher bar, so they are the promoted top slice rather than a like-for-like sample. Both are judged by asking the domain whether it still answers: gone means it no longer resolves, refuses the connection, serves a parking page, or says plainly that it shut down. An HTTP error is not counted as gone — a server answering 404 is one somebody still pays for, and an audit of 25 gone-calls found two such sites alive with only a moved homepage. Y Combinator entries use the status YC publishes itself, which is why only those can say acquired. Squatted domains — a lapsed name now serving somebody else's site — are not detected, so these figures run slightly low.