Fintoc YC Application

Winter 2021Active

Fintoc went through Y Combinator in the Winter 2021 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 2021
Industry: FintechPayments
Team size: 60
Status: Active
Launched: 2021

Founders

Cristóbal GrifferoFounder
Lukas ZorichFounder

What Fintoc does

Account-to-Account payments in Mexico and Chile.

Fintoc's YC application, reconstructed

Y Combinator application

Fintoc, Winter 2021 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Fintoc

Describe what your company does in 50 characters or less.

Account-to-Account payments in Mexico and Chile

What is your company going to make? Please describe your product and what it does or will do.

We provide an API that enables developers to move money account-to-account in Mexico and Chile. This means businesses can initiate payments directly between bank accounts without needing cards or cash intermediaries. Our product handles the integration complexity and compliance requirements for fintechs and businesses operating in these markets.

Where do you live now, and where would the company be based after YC?

We live in Santiago, Chile, and the company is based here. After YC, we plan to continue running Fintoc from Santiago.

Explain your decision regarding location.

Santiago is where we built our initial product, grew the team, and understand local banking infrastructure the best. It lets us maintain close ties to our buyers and regulatory environment across Latin America, which is central to what we do.

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.

See full application

Frequently Asked Questions

Is this the real Fintoc YC application?

No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from Fintoc's public data (launch notes, founder backgrounds, product description). It shows how a company like Fintoc would present itself to YC, not the text they submitted.