ZeroSettle YC Application

Winter 2026Active

ZeroSettle went through Y Combinator in the Winter 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: Winter 2026
Industry: FintechPayments
Team size: 2
Status: Active
Launched: 2026

Founders

Gabe RoeloffsFounder
Ryan ElliottFounder

What ZeroSettle does

ZeroSettle is a mobile SDK that switches customers from App Store billing to direct billing. It takes 15 minutes to set up and immediately unlocks zero App Store fees, higher retention/conversion, and instant payouts.

ZeroSettle's YC application, reconstructed

Y Combinator application

ZeroSettle, Winter 2026 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

ZeroSettle

Describe what your company does in 50 characters or less.

Drop-in Direct Billing SDK for In-App Purchases

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

We built a mobile SDK that lets apps switch from charging users through the App Store to direct billing. It hooks into existing payment flows, takes 15 minutes to integrate, and instantly eliminates Apple's fees. Beyond cutting costs, it improves retention and conversion, and it pays out instantly to developers.

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

n/a

Explain your decision regarding location.

n/a

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 ZeroSettle YC application?

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