Selfin (YC F25)

AI x Finance. Backed by @YCombinator. Founding team from @MIT, @Stanford & @ImperialCollege.

[Fondo.com @Fondocom]

Why does your banking app have 47 buttons when all you want to say is "pay my credit card"

That's what Selfin is building. "the first AI bank", powered by agents that take actions for you

"Send $10 to David" and it goes through

But it goes way beyond payments

Pay your credit card. Manage your pensions. Your 401k. Your investments.

"Everything"

2,500 people on the waitlist (and that was in December). Zero dollars spent on marketing

No pivots since getting into YC. Same idea, just sharper sequencing on what to build first

Their YC partner built the largest neobank in the UK and two fintech unicorns. He's the one who told them to apply

🎙️ Paula Gutierrez Cascales (@paulaguti_12), Cofounder @Selfin_app_ on @fondocom @thestartpod

01:32 “We’re trying to build the first AI bank.”
01:24 Agents that take actions on behalf of users (credit cards → pensions/401k → investments)
02:08 “Send $10 to David, and it goes through”
02:15 Started building in YC F25
03:19 2,500+ waitlist (December 2025); $0 marketing spend, mostly social media
03:48 Fintech scaffolding + banking service providers
04:02 Gaps in the US B2C neobank market
04:31 Building in SF

[Paula Gutierrez Cascales @paulaguti_12]

Are you a trader or a broker in London?

I’m looking to meet as many people as possible this week, happy to invite you for an afterwork beer🍺

I am building @Selfin_app_ inside @ycombinator after spending some time at mit, Imperial and NASA

[Selfin (YC F25) @Selfin_app_]

Nobody gets rich overnight.
But most people never get rich because they skip the basics.

Getting rich isn’t about being smart.
It’s about doing the boring things every month.

Consistency > hype.

#PersonalFinance #investing
#wealth #moneytips

[Paula Gutierrez Cascales @paulaguti_12]

The best of YC is not YC but the friends you do

I am super proud of F25 batch

[Selfin (YC F25) @Selfin_app_]

@badriollaaa1 @ycombinator @paulaguti_12 @joeltp_ That's so cool!!

[Selfin (YC F25) @Selfin_app_]

200 new ppl in in 2 days 🧐🧐

[Selfin (YC F25) @Selfin_app_]

We are gonna get a waitlist bigger than what Robinhood did.

I have neither doubts nor proof

[Selfin (YC F25) @Selfin_app_]

@prabhjot76611 add your email here https://t.co/uhE8HnY1um

[Selfin (YC F25) @Selfin_app_]

how are you supposed to choose the right one...

...perhaps with @Selfin_app_ ?

[Selfin (YC F25) @Selfin_app_]

@prabhjot76611 you have to register to the waitlist and we will give you access when is your turn!

[Selfin (YC F25) @Selfin_app_]

Check it out here: https://t.co/uhE8HnY1um

[Selfin (YC F25) @Selfin_app_]

Let's beat @RobinhoodApp here https://t.co/uhE8HnY1um

[Selfin (YC F25) @Selfin_app_]

We are gonna get a waitlist bigger than what Robinhood did.

I have neither doubts nor proof

[Paula Gutierrez Cascales @paulaguti_12]

4 days until Demo Day
Feels like YC started yesterday and also 9 years ago at the same time

[Selfin (YC F25) @Selfin_app_]

@Abhinavstwt https://t.co/uhE8HnY1um

[Selfin (YC F25) @Selfin_app_]

@lingodotdev being a programmer makes you feel like the dumbest and smartest human within minutes

[Selfin (YC F25) @Selfin_app_]

@lingodotdev real pain

[Selfin (YC F25) @Selfin_app_]

@pmitu impact

[Selfin (YC F25) @Selfin_app_]

@iyoushetwt my mac makes me restart when force quitting spotify

[Selfin (YC F25) @Selfin_app_]

@oprydai so true

[Selfin (YC F25) @Selfin_app_]

@itsjoaki selfin dark mode goes hard