Joe YC Application

Winter 2022Acquired

Joe went through Y Combinator in the Winter 2022 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 2022
Industry: FintechConsumer Finance
Team size: 12
Status: Acquired
Launched: 2022

Founders

Kevin OhanaFounder
Yohan ElbaseFounder

What Joe does

Joe is building a innovative and flexible DtoC Buy Now Pay Later App in Europe powered by Tech📲. In Europe, only 15% of e-commerce have integrated BNPL solutions and consumers don’t have access to installments very easily. Within Joe app and our virtual card you can buy now pay later on any store without any technical integration. And if you already made your purchase, you can be refunded and get 3 installments

Joe's YC application, reconstructed

Y Combinator application

Joe, Winter 2022 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Joe

Describe what your company does in 50 characters or less.

Buy Now Pay Later on any store in Europe

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

We built Joe, an app and virtual card that lets European consumers buy now and pay later on any online store without technical integration for merchants. Users can also get refunds and split past purchases into installments.

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

We live and work in Paris, Île-de-France, France, and the company is based here.

Explain your decision regarding location.

Paris is where we're based because it's our home and the European fintech environment here fits our focus on European Buy Now Pay Later.

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 Joe YC application?

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