Pioneer Fund

Capi Money is a digital payment platform designed to assist businesses in making and receiving international payments. The company offers a suite of financial tools, including budgeting solutions, expense tracking, investment analysis, and goal setting features. By providing these services, Capi Money enables users, particularly importers, to manage their finances effectively and make informed financial decisions. The platform aims to enhance financial literacy and facilitate smoother transactions across borders.

Landeed is a proptech startup based in Bengaluru, India, that digitizes land records and offers a property title search engine for Indian real estate. The platform enables users to obtain the Encumbrance Certificate and Records of Rights to verify that a property has a clear and marketable title, and it provides instant access to land extent, ownership, and classification. It also helps users examine transaction history, market data, and guideline values, and allows sharing of certificates with property stakeholders to assess title status and value.

Fazeshift offers an AI-driven platform that automates invoicing, cash application, and collections for enterprises. This streamlines accounts receivable processes, reduces errors, and enhances cash flow management by adapting to unique business challenges with customizable workflows.

Fazeshift offers an AI-driven platform that automates invoicing, cash application, and collections for enterprises. This streamlines accounts receivable processes, reduces errors, and enhances cash flow management by adapting to unique business challenges with customizable workflows.

AI and Data automation for Wealth Management and operational heavy Financial Services. Saturn automates compliance and operational activities for financial services with purpose-built AI and tech. Founded by ex-banking tech, assetmanagement, regtech & AI leaders and researchers.

We help founders and investors to grow their network and fundraise faster with AI. Founded by a team of repeat founders and VCs (2 times YC, $180M raised, with an exit).

Pump is a cloud cost optimization company offering a platform that pools commitments across organizations to secure discounted rates from cloud providers such as AWS, GCP, and Azure. The platform uses artificial intelligence to identify savings opportunities and automate the purchase of reserved instances and savings plans, helping startups reduce cloud bills while preserving performance and scalability. It reallocates unused resources and applies savings automatically, with restricted billing permissions that limit access to code or data.

Kontigo is a financial technology company focused on integrating over 1.5 billion people into the financial system, particularly targeting small and medium-sized businesses in Latin America. The company provides a non-custodial and fully decentralized banking solution based on USDC, a stablecoin. Each user is equipped with a USDC wallet designed to safeguard against local inflation while also earning yield through saving circles, known as ROSCAs. Kontigo facilitates a "Save now, buy later" marketplace where users can spend or invest their savings. Additionally, the company has developed an AI-driven credit-building feature accessible via WhatsApp, which tracks and reports users' saving circle activities to local credit bureaus, enhancing their credit profiles.

Dili is an artificial intelligence-powered platform designed to enhance the efficiency of deal teams in private equity and growth-stage venture capital firms during the due diligence process. By automating significant aspects of due diligence, Dili allows firms to complete more transactions in a shorter timeframe. The platform also provides features such as automated data visualization, financial analysis, and the generation of presentation outputs, which help users identify asset-liability mismatches and legal clauses. This combination of tools enables businesses to increase productivity while minimizing the risk of misconduct.

Capi Money is a digital payment platform designed to assist businesses in making and receiving international payments. The company offers a suite of financial tools, including budgeting solutions, expense tracking, investment analysis, and goal setting features. By providing these services, Capi Money enables users, particularly importers, to manage their finances effectively and make informed financial decisions. The platform aims to enhance financial literacy and facilitate smoother transactions across borders.

Dimension AI specializes in developing a generative AI platform tailored for investment bankers. This platform employs confidential, large language models trained specifically for investment banking tasks, generating complex financial documents and securities workflows securely and efficiently. This allows investment bankers and finance professionals to concentrate on strategic decision-making, rather than time-consuming document creation.

Every provides a financial technology platform to manage back-office operations for startups. The platform supports incorporation services for Delaware C-Corps, banking and debit card services through a partner bank, treasury functions including investments in U.S. Treasury bills and money market funds, payroll processing across all states, and employee benefits administration. It also includes bookkeeping tools, financial statement preparation, and tax support. Every integrates these services to streamline administrative, financial, and compliance tasks for early-stage companies.

Shekel Mobility is a technology company that provides a comprehensive platform for auto dealerships. It offers integrated solutions for inventory management, credit financing, and business operations, empowering dealers to streamline processes, enhance cash flow, and drive sustainable growth.

Pivo is a financial platform designed to democratize access to financial services for small and medium-sized businesses across Africa. By providing a comprehensive suite of tools tailored for the supply chain sector, Pivo enables clients to efficiently access various financial services from a single hub. This approach fosters a more streamlined and effective means for businesses to engage with borderless financial solutions, ultimately enhancing their operational capabilities and growth potential.

Integration Labs, formerly RootFi, provides a unified data integration platform and API that lets companies read and write customers' accounting, e-commerce, and payments data across platforms. The solution supports automating accounting, underwriting credit risk, and deriving business insights by syncing data across systems with standardized data models, enabling clients to streamline AP/AR, payroll accounting, and to build new tools and applications.

Derisk is a crypto custody infra and leverages Multi-Party Computation (MPC) cryptography.

FlyCode is a developer of an artificial intelligence-powered application focused on optimizing dunning and payment management for subscription-based businesses. The company aims to maximize revenue for its clients by intelligently managing payment failures, thereby reducing passive churn. Its application enables subscription merchants to recover lost revenue and improve customer retention by addressing issues related to payment processing effectively.

Roforco is an accelerator for Roblox game developers that provides funding, resources, and hands-on support to help games succeed. Founded in 2021 and based in San Francisco, the company was created by co-founders Artem and Brain, who have extensive game-making experience and have worked on top grossing titles. Before launching the accelerator, Roforco operated as a game studio with a portfolio reaching tens of millions of plays and thousands of concurrent users, and it collaborated with major brands such as Unilever on a branded game with over 50 million plays. In 2022, Roforco joined a well-known startup accelerator and secured seed funding from prominent investors, which complemented its developer-focused program. The organization focuses on supporting Roblox creators through funding, mentorship, and operational assistance to scale their titles.

Rio is a cryptocurrency-based platform established in 2022 that enables users to buy and sell cryptocurrencies quickly, completing transactions in five minutes or less. The platform offers wallets for direct cryptocurrency purchases, as well as tokens for acquiring NFTs. Rio's user-friendly approach allows customers to make transactions using cash, credit cards, or bank transfers. Additionally, the platform's APIs can be seamlessly integrated into existing applications, facilitating efficient transaction processes for users.

Lumo is an automated residential building manager that helps buildings improve response times and transparency by fully automating back office accounting, taxes, and issue management. Lumo offers building owners with quick replies as well as real-time information on their building, allowing them to grasp their true costs and the progress of their requests. Lumo is headquartered in Barcelona, Spain and was founded in 2022.

Pump is a cloud cost optimization company offering a platform that pools commitments across organizations to secure discounted rates from cloud providers such as AWS, GCP, and Azure. The platform uses artificial intelligence to identify savings opportunities and automate the purchase of reserved instances and savings plans, helping startups reduce cloud bills while preserving performance and scalability. It reallocates unused resources and applies savings automatically, with restricted billing permissions that limit access to code or data.

TradeX is a financial exchange platform that allows individuals to engage in trading based on their opinions regarding various events. Users can predict outcomes on different topics, answering with a Yes or No, and receive rewards depending on the actual results of those events. This innovative approach not only facilitates personal expression but also enables users to hedge everyday risks associated with their predictions. By providing a structured environment for opinion-based trading, TradeX aims to create a dynamic marketplace that reflects public sentiment on significant issues.

Touch and Pay Technologies specializes in providing digital payment and transaction services through innovative use of Near Field Communication (NFC) technology. The company’s platform facilitates financial inclusion by digitizing and processing mobile payments, enabling both online and offline transactions. It addresses the challenges faced by businesses of varying sizes by streamlining processes such as payment settlement, registration, collection, and tracking of payments made in the field. Touch and Pay Technologies offers a comprehensive dashboard and reporting system that ensures full visibility into all transactions, thereby enhancing reliability in cashless payments. By integrating these digital services, the company aims to create a more efficient and appealing market for its users.

Harmoney is an India-based bond trading platform established in 2021, headquartered in Mumbai, Maharashtra. The company focuses on digitizing bond markets to enhance transparency and efficiency for financial institutions and asset managers. It facilitates market and odd lot deals in corporate bonds, government securities, and structured instruments. Harmoney offers a comprehensive trading platform that integrates pre-trade data, analytics, trade execution with straight-through processing, and order and risk management, all accessible from a single interface. This streamlined approach enables users to efficiently access transaction services and detailed bond data.

Mora.com, operated by Mora Financial, is dedicated to helping parents set up and manage ROTH IRA accounts for their children, providing a foundation for early financial growth and long-term security. We simplify the complexities of hiring children for household tasks to meet IRS requirements for earned income, enabling parents to legally fund a child’s ROTH IRA. Our services include payroll, tax compliance, and audit documentation support, ensuring that families adhere to tax code regulations while maximizing the financial benefits. With Mora, parents can establish a secure financial future for their kids, combining professional-grade support with peace of mind.

Numida Technologies is a digital financial institution based in Kampala, Uganda, founded in 2015. The company specializes in serving micro- and small businesses in East Africa by offering application software that helps these enterprises maintain up-to-date digital financial records. Numida's proprietary credit scoring system enables it to provide unsecured growth and working capital loans to businesses, which not only results in high portfolio yields but also significantly impacts the livelihoods of borrowers. The platform aims to lower risks and costs for lending institutions, leading to improved lending terms for borrowers and fostering a thriving small business sector that creates employment, increases tax revenues, and enhances living standards for entrepreneurs and their staff.

Seis is an online banking platform that caters primarily to Spanish-speaking users in the United States. It offers a range of services including prepaid cards for offline and online purchases, bill payments, money transfers, customizable cards, and video or chat-based customer support.

Fingo Africa is a fintech startup that offers a digital banking platform aimed at young customers. The service includes current accounts, real‑time money transfers, bill and utility payments, link‑based payments, and savings goal tools. The platform enables users to send money to friends, family, or businesses through a mobile interface, providing a convenient and comprehensive digital banking experience.

Founded in 2017, Convictional operates a multi-channel B2B e-commerce platform for high-growth suppliers. It offers services such as electronic data interchange, wholesale integrations, quick order, dropship automation, and order financing.

Fingo Africa is a fintech startup that offers a digital banking platform aimed at young customers. The service includes current accounts, real‑time money transfers, bill and utility payments, link‑based payments, and savings goal tools. The platform enables users to send money to friends, family, or businesses through a mobile interface, providing a convenient and comprehensive digital banking experience.

Pry Financials is a financial planning platform that offers small businesses an alternative to traditional spreadsheet methods. The company specializes in financial planning and analysis software that facilitates effective budgeting by connecting various financial components for real-time comparisons of budget versus actuals. Its platform allows users to efficiently manage hiring plans, project cash flows, and model different financial scenarios within a visual environment. By providing tools that streamline budgeting processes and enhance financial oversight, Pry Financials enables businesses to effectively manage their financial models and cash runway.

InstaKin is a financial platform designed to support immigrants in managing projects and tasks in their home countries. The company connects users with vendors while facilitating secure payments, allowing migrants to send money back home efficiently. By providing a cashless and fully digitized service, InstaKin empowers individuals to assist their families with financial needs in a safe and instant manner. Through its innovative approach, the platform addresses the unique challenges faced by migrants in accessing essential financial services.

Kodo is a fintech startup focused on serving the corporate card and B2B payments needs of small businesses. The company offers credit cards for startups. It can be used for services such as business expenses, money transfers, online/offline purchases, and more. Kodo was founded in 2019 and is headquartered in Mumbai, Maharashtra.

Founded in 2011, Wefunder is a crowd-investing platform headquartered in San Francisco. It connects startups with investors online, enabling unaccredited investors to purchase equity in early-stage private companies.

Kodo is a fintech startup focused on serving the corporate card and B2B payments needs of small businesses. The company offers credit cards for startups. It can be used for services such as business expenses, money transfers, online/offline purchases, and more. Kodo was founded in 2019 and is headquartered in Mumbai, Maharashtra.

ScholarMe Co. is an online financing platform based in New York that simplifies the process of securing college funding for students. Established in 2018, the platform allows high school and college students to apply for various financial aid options, including scholarships, student loans, and income share agreements, through a single application. By connecting students with lenders and providing comprehensive resources, ScholarMe aims to help users effectively manage their education financing needs, ensuring they can cover tuition and related costs in a cost-effective manner.

Aspire is a finance operating system for growing businesses in Southeast Asia. The platform combines business accounts, cross-border payments, corporate cards, automated invoice processing, and expense management with integrated financial management software. It enables users to manage bank accounts, invoicing, and cash flow in a single interface and provides access to funding and financial tools to support smart decisions. The company also offers Aspire Kickstart, an incorporation service for Singaporean companies. Founded in 2018 and based in Singapore, Aspire focuses on helping startups and SMBs streamline finance operations, improve transparency, and reduce administrative overhead.

WaystoCap Sarl is a B2B online marketplace based in Casablanca, Morocco, that facilitates trade among businesses in Africa. Founded in 2014, the platform enables merchants to buy and sell a wide range of products across various sectors, including food and beverage, household appliances, hygiene and cosmetics, textiles, and industrial tools. WaystoCap goes beyond product discovery by connecting businesses with essential services such as trade financing, insurance, and logistics, thereby enhancing the overall trading experience. By ensuring payment security and managing shipments, WaystoCap helps buyers find competitive products while allowing suppliers to access new markets in a secure environment. The company aims to bridge infrastructure gaps and foster trust in African trade, contributing to the growth of the continent's commerce.

InterPrime Technologies Inc., established in 2018 and headquartered in Menlo Park, California, specializes in cash management services for startups. The company helps businesses earn competitive returns on their idle cash by investing it in U.S. Treasury securities held in the client's name, ensuring principal safety and providing a global market rate. Additionally, InterPrime assists businesses in crafting investment policies tailored to their cash flow and liquidity needs, streamlining their cash management processes.

Lambda Inc., operating as Lambda School, specializes in online education focused on coding and computer science in the United States. Founded in 2016 and based in San Francisco, the institution offers training in various fields, including software engineering, artificial intelligence, machine learning, and web development. Students engage in both online and live training sessions that feature hands-on projects, pair programming, and code reviews conducted by instructors. Lambda School aims to identify and cultivate untapped talent for in-demand jobs, pioneering a unique educational model where the institution invests in students' futures rather than requiring upfront tuition payments.

Founded in 2017, Convictional operates a multi-channel B2B e-commerce platform for high-growth suppliers. It offers services such as electronic data interchange, wholesale integrations, quick order, dropship automation, and order financing.

Pioneer Fund is a San Francisco-based venture capital firm founded in 2017 that makes early-stage investments across a wide range of sectors, including consumer products and services, financial services, information technology, advanced manufacturing, blockchain, life sciences, gaming, artificial intelligence and machine learning, construction technology, education technology, fintech, agriculture technology, advertising technology, augmented reality, autonomous vehicles, legal technology, oncology, pet technology, real estate technology, ride-hailing, SaaS and supply chain technology. The firm benefits from a network of more than 420 Y Combinator alumni, enabling it to identify and support YC-backed startups.

Aspire is a finance operating system for growing businesses in Southeast Asia. The platform combines business accounts, cross-border payments, corporate cards, automated invoice processing, and expense management with integrated financial management software. It enables users to manage bank accounts, invoicing, and cash flow in a single interface and provides access to funding and financial tools to support smart decisions. The company also offers Aspire Kickstart, an incorporation service for Singaporean companies. Founded in 2018 and based in Singapore, Aspire focuses on helping startups and SMBs streamline finance operations, improve transparency, and reduce administrative overhead.

Gale operates an online visa application platform that simplifies the process by reducing complexity and automating compliance.