Uno Wallet YC Application

Spring 2026Active

Uno Wallet went through Y Combinator in the Spring 2026 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: Spring 2026
Industry: FintechPayments
Team size: 2
Status: Active
Launched: 2026

Founders

Saket JoshiFounder
Mordi ShadpourFounder

What Uno Wallet does

Uno is building the AI wallet that replaces Apple Pay. At checkout, Uno automatically picks the best credit card for every purchase based on merchant category, rewards structure, and spending patterns. Users earn more points, miles, and cashback without thinking about it. That's the wedge. The vision is a financial agent that automates every money decision in your pocket. Founded by Saket Joshi ( and Mordi Shadpour (

Uno Wallet's YC application, reconstructed

Y Combinator application

Uno Wallet, Spring 2026 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Uno Wallet

Describe what your company does in 50 characters or less.

The AI wallet that picks the best card at checkout

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

We are building an AI wallet that replaces Apple Pay by automatically selecting the best credit card for every purchase. It looks at merchant category, rewards, and our users' spending patterns so they earn more points, miles, and cashback without thinking about it.

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

We live in San Francisco, CA and plan to keep the company based here after YC.

Explain your decision regarding location.

San Francisco is where we both live and where the fintech and AI startup ecosystem is strongest. Staying here helps us recruit and access investors and 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 Uno Wallet YC application?

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