Mono YC Application

Winter 2022Active

Mono 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: FintechPayments
Team size: 30
Status: Active
Launched: 2022

Founders

Sebastian Ortiz
Juan Camilo Poveda
Salomon Zarruk Valencia
Jose Tomas Lobo

What Mono does

Mono provides an API-first platform that lets any company in LatAm offer financial capabilities, wallets, real-time payouts (Bre-B), Visa cards, and multi-rail bank transfer without becoming a fintech.

Mono's YC application, reconstructed

Y Combinator application

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

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Mono

Describe what your company does in 50 characters or less.

Embedded finance infrastructure for LatAm

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

We built an API-first platform that lets any company in Latin America embed financial features like wallets, real-time payouts, Visa cards, and multi-rail bank transfers without becoming a fintech themselves. It solves the complexity of integrating fragmented LatAm financial systems into one seamless developer experience.

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

We live and operate primarily out of Bogotá, Colombia. After YC, we plan to stay based there but continue growing our remote team across LatAm.

Explain your decision regarding location.

We chose Bogotá because it's where we understand the local financial landscape deeply and where the demand from LatAm enterprises for embedded finance is highest. It's also home for the founding team and core early hires.

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 Mono YC application?

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