Ruby Card YC Application

Winter 2023Active

Ruby Card went through Y Combinator in the Winter 2023 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 2023
Industry: Fintech
Team size: 3
Status: Active
Launched: 2023

Founders

Shariar KabirFounder
Miguel AceroFounder
Jordan YaqoobFounder

What Ruby Card does

Ruby is a neobank that offers e-commerce businesses a flexible spend management solution and direct integrations with commerce platforms. By combining banking and commerce data, Ruby provides businesses with a real-time, unified view of their financial health and money movement, empowering them to make better financial decisions and scale their operations.

Ruby Card's YC application, reconstructed

Y Combinator application

Ruby Card, Winter 2023 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Ruby Card

Describe what your company does in 50 characters or less.

Neobank for e-commerce businesses

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

We built Ruby to give e-commerce businesses a bank account designed around their needs. It links directly to commerce platforms so customers can see their cash flow and spending in real time. This helps them manage expenses and make decisions without juggling multiple tools or waiting for bank statements.

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

We live in New York City and work remotely. After YC, we'll keep the company based in New York City, where we have our core team and customer connections.

Explain your decision regarding location.

New York is where we built the product and where we have access to e-commerce businesses here. It helps us stay close to our early users and financial partners.

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 Ruby Card YC application?

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