Final YC Application
Final went through Y Combinator in the Winter 2015 batch as a Fintech company. Below: what the company does, who founded it, and its application to YC, reconstructed question by question in the real YC form.
- YC batch
- Winter 2015
- Industry
- FintechPayments
- Team size
- 11
- Status
- Acquired
- Launched
- 2014
Founders
Matt RothsteinFounder/CTO
What Final does
At Final, we are re-building the credit card from the ground up. Final is issuing a credit card that gives consumers total control over their merchant relationships, transparency in their spending, and piece of mind across all payment experiences. Rather than a single, 16-digit card number, Final generates multiple card numbers and manages them automatically. It works everywhere you buy; online, and offline, and integrates with digital wallets like Google Wallet and ApplePay with zero updates to the payment infrastructure. Bottom line - with Final, you’ll never lose access to your spending ability from a breach, fraud, cancelled or stolen card ever again.
Final's YC application, reconstructed
Y Combinator application
Final, Winter 2015 batch. The real form questions, answered from public data.
- Founders2
- Company7
- Progress7
- Idea4
- Equity3
- Curious2
- Batch Preference1
Company
Final
A credit card that cuts payment fraud
We are building a credit card that replaces the traditional single card number with multiple automatically managed card numbers per user. This gives consumers control over merchant relationships, visibility into their spending, and protection against fraud, breaches, or lost cards. It works everywhere cards do and integrates with digital wallets like Apple Pay and Google Wallet without updating payment infrastructure.
We live in Oakland, CA and plan to keep the company based here after YC.
Oakland is where we already live and have built the product as a small team. Staying local keeps us focused and close to our engineering and user base.
21 more answers in the full application
Founders, Progress, Idea, Equity, Curious, Batch Preference are in the full version. Create a free account to open it in YC Insights, next to every other YC batch.
Frequently Asked Questions
Is this the real Final YC application?
No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from Final's public data (launch notes, founder backgrounds, product description). It shows how a company like Final would present itself to YC, not the text they submitted.
What YC batch was Final in?
Final was part of the Y Combinator Winter 2015 batch.
Who founded Final?
Final was founded by Matt Rothstein.
What does Final do?
A credit card that drastically reduces payment fraud and gives…
How do I read the full reconstructed application?
Create a free Round Funded account. The full 26-answer version of Final's application, and every other YC batch, is in YC Insights.
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