YCW20· OtherGrain
Grain transforms the debit card you already have into a credit card…
Founders
Not read from YC yet; the weekly run fills these in.
Same space
Competitors
Closest in what they build, same category.
BitsS20Bits is a credit card designed to help people build creditShared: fintechActive
Kapital BankW22Empowering businesses to grow.Shared: fintechActive
Apto PaymentsS14API platform for partners to issue branded debit and credit cards to…Shared: fintechAcquired
PayCrunchW22Credit Card for college students based on UPI.Shared: fintechActive
PaystackW16Modern payments infrastructure for AfricaShared: fintechAcquired
Adjacent
Overlapping tags, a different niche.
AgentcardS26cards for AI agentsShared: fintechActive
PathS19Financial advisors for Gen-ZShared: fintechInactive
Bueno FinanceW21Building Chime for IndiaShared: fintechAcquired
RedCarpetUpS15Credit cards for Indians that banks cannot seeShared: fintechActive
Karbon CardS21Corporate Card solution for Indian businessesShared: fintechActive
Also from W20
Batchmates in Winter 2020.
delt.aiW20Digital banking for businesses in Latam.Acquired
EasyplanW20An AI-driven investment app for beginner investors in IndiaInactive
GuruHotelW20AI-native direct booking infrastructure for global hospitalityActive
HandlW20Handl converts documents (invoices, income stabs, custom forms, etc.)…Active
Medicare Vox (fka Fair Square)W20Building an AI Health Insurance Agent.Active
ModernbancW20Accounting software that works for youActive
About Grain
Grain is a mobile app that transforms the debit card you already have into a credit card by linking it to a line of credit based on your cash flow. For the millennials, Gen Zs, and immigrants who are afraid of falling into crippling credit card debt, there is now a distinct market opportunity to offer an alternative to how these 100M people access and manage credit.
San Francisco, CA, USA; Oakland, CA, USA; Remote
Grain: questions
Which YC batch was Grain in?
Grain was in Y Combinator's Winter 2020 batch (W20).
Is Grain still active?
Y Combinator lists Grain as active.
Where is Grain based?
Grain lists San Francisco, CA, USA; Oakland, CA, USA; Remote as its location on YC's directory.
Not affiliated with Y Combinator. From YC's public directory. Logos via logo.dev; trademarks belong to their owners.