πŸš€ Y Combinator×❄️ Winter 2016

YC W16: The Blueprint for Vertical SaaS and Fintech

122 startups in this batch

What Was YC WINTER 2016?

In early 2016, the startup world shifted from consumer "Uber-for-X" clones toward solving deep operational inefficiencies in legacy industries. This cohort launched during a period of maturing cloud infrastructure, where YC prioritized founders tackling highly regulated sectors like healthcare, finance, and real estate. It was the era when software began to eat the back-office of the old economy.

What These 122 Startups Built and Proved

This batch proved that institutional marketsβ€”from Medicare billing to real estate investmentβ€”were finally ready for cloud-native workflows. They validated a massive willingness to pay for automated compliance and algorithmic decision-making in sectors previously trapped in spreadsheets. Startups like Able Health and AlphaFlow demonstrated that the real value lay in unifying fragmented data to unlock new financial and clinical outcomes.

What Failed and What to Learn From It

Many companies in this cohort struggled with the integration tax: the massive human effort required to clean and map unstructured data from legacy systems. The "human-in-the-loop" costs of managing complex workflows in home health or insurance often outpaced revenue growth. Today's builders should learn that manual data entry is a scaling killer that can now be bypassed entirely.

The Relaunch Opportunity in 2026

The massive wedge for 2026 is building AI-native vertical agents that replace the manual middleware of W16. Where these founders needed 50 engineers to build data connectors, a solo builder can now use LLMs to automate HEDIS measure extraction or algorithmic strategy synthesis in plain English. The opportunity lies in rebuilding these proven business models with a zero-headcount operations philosophy.

Able Health gets doctors paid more for higher quality care

πŸ“ San FranciscoπŸ“… 2015

AlgorizYC

shutdown

Algoriz is an AI based algorithmic trading platform that enables you…

πŸ“ New YorkπŸ“… 2015

AlphaFlowYC

shutdown

AlphaFlow is a technology-driven investment manager.

πŸ“ San FranciscoπŸ“… 2015

Detect Gunshots | Inform Law Enforcement | Empower First Responders

πŸ“ San FranciscoπŸ“… 2020

Modernizing home health care agencies with software, hardware, and…

πŸ“ San FranciscoπŸ“… 2015

Apollo is the foundation of your entire go-to-market strategy.

πŸ“ San FranciscoπŸ“… 2015

Advanced satellites for high orbits.

πŸ“ San FranciscoπŸ“… 2015

BonsaiYC

active

All-in-one business management platform for freelancers, agencies, and small service businesses, integrating client management, project tracking, and financial tools.

BoomYC

active

Economically and environmentally sustainable supersonic travel

πŸ“ CentennialπŸ“… 2015

Bus.comYC

shutdown

The easiest way to charter a bus in North America.

πŸ“ MontrealπŸ“… 2015

CaperYC

acquired

Plug-and-play cashier-less retail powered by computer vision and AI

πŸ“ UnknownπŸ“… 2015

CarbicYC

active

using ultrasonics + ml to analyze fluid behavior at infrastructure…

πŸ“ San FranciscoπŸ“… 2015

CastleYC

shutdown

Castle manages rental homes using automation and on-demand labor.

πŸ“ DetroitπŸ“… 2015

CastleYC

active

Block bots & bad behavior

πŸ“ San FranciscoπŸ“… 2015

No-code platform for building AI-powered chatbots on Messenger, Instagram, WhatsApp, and websites to automate customer interactions.

πŸ“ San FranciscoπŸ“… 2015

ChillabitYC

shutdown

Chillabit is the best way to procrastinate! It’s a live feed of funny…

πŸ“ Palo AltoπŸ“… 2015

CompgunYC

shutdown

Sales commission software that grows revenue.

πŸ“ San FranciscoπŸ“… 2015

The simplest way to test, manage, and deploy VR/AR apps at scale.

πŸ“ San FranciscoπŸ“… 2015

CopiaYC

active

Copia's a for-profit technology company that solves food waste &…

πŸ“ San FranciscoπŸ“… 2015

CoverYC

shutdown

The mobile-first insurance platform that makes insurance easy.

πŸ“ San FranciscoπŸ“… 2015

DailyYC

active

Conversational Voice and Multimodal AI built with Open Source

πŸ“ San FranciscoπŸ“… 2015

DeakoYC

active

We make beautiful connected light switches that allow you to control…

πŸ“ SeattleπŸ“… 2015

Building foundational AI for speech transcription and understanding.

πŸ“ San FranciscoπŸ“… 2015

We give Black software engineers support they need to advance in tech.

πŸ“ San FranciscoπŸ“… 2016

DoseDrYC

shutdown

Helping diabetes patients use the correct amount of insulin,…

πŸ“ Menlo ParkπŸ“… 2015

ElucifyYC

shutdown

Elucify is an API that plugs into your CRM which automatically cleans…

πŸ“ San FranciscoπŸ“… 2015

Self-driving semi trucks.

πŸ“ San FranciscoπŸ“… 2015

EmburseYC

acquired

Expense management and AP automation.

πŸ“ San FranciscoπŸ“… 2015

EnfluxYC

shutdown

Motion capture clothing for injury prevention

πŸ“ San FranciscoπŸ“… 2015

EnvylYC

shutdown

Envyl enables a fast, reliable and cost effective peer to peer…

πŸ“ NYπŸ“… 2015

Home boxing gym with motion trackers that compute punches and reps.

πŸ“ Newport BeachπŸ“… 2015

flexEngageYC

acquired

Dynamic transactional communications for physical stores to help…

πŸ“ OrlandoπŸ“… 2015

Building the Operating System for B&M Retail using Deep Learning

πŸ“ New YorkπŸ“… 2015

Customizable beauty for hair, skin, and body care products.

πŸ“ New YorkπŸ“… 2015

AI + Robotics for the Built World

πŸ“ PittsburghπŸ“… 2015

Carbon neutral packaging for ambitious businesses.

πŸ“ KitchenerπŸ“… 2015

Close deals faster. Digitally.

πŸ“ San FranciscoπŸ“… 2015

GigwellYC

active

Building the Future of Live Event Bookings.

πŸ“ Los AngelesπŸ“… 2015

GitPrimeYC

acquired

Visibility and analytics for software development leaders.

πŸ“ DurangoπŸ“… 2015

GoLorryYC

active

Mobile marketplace for inter-city trucking in India

πŸ“ HyderabadπŸ“… 2015

GoodybagYC

acquired

An online tool for companies to order food from restaurants and…

πŸ“ AustinπŸ“… 2015

HingetoYC

acquired

A B2B marketplace that connects inventory to online stores

πŸ“ OaklandπŸ“… 2015

Accelerating Histopathology for Cancer Research

πŸ“ NYπŸ“… 2015

IndexYC

shutdown

Mapping the world's professional relationships.

πŸ“ San FranciscoπŸ“… 2015

To make food a renewable resource, for everyone

πŸ“ San CarlosπŸ“… 2015

InnoVeinYC

shutdown

We cure intractable leg wounds with a replacement valve for veins.

πŸ“ San CarlosπŸ“… 2015

Multi-Touch Marketing Analytics

πŸ“ San FranciscoπŸ“… 2015

AI-powered platform for Accessible and Personalized Breast Health…

πŸ“ San FranciscoπŸ“… 2015

Kip HealthYC

acquired

Therapy the way it should be: high quality in-person therapy sessions…

πŸ“ San FranciscoπŸ“… 2016

Tech enabled and fully integrated PAN India agri produce supply chain

πŸ“ GurugramπŸ“… 2015

LandedYC

acquired

White-labeled shared appreciation down payment programs for employers

πŸ“ San FranciscoπŸ“… 2015

LatticeYC

active

Modern people management platform.

πŸ“ San FranciscoπŸ“… 2015

LendEDUYC

acquired

LendEDU is a marketplace for consumer financial products.

πŸ“ HobokenπŸ“… 2015

Novel long-read DNA sequencing technology

πŸ“ San JoseπŸ“… 2015

Agentic Observability Platform for Mobile

πŸ“ San FranciscoπŸ“… 2015

Diagnostic platform for early detection of liver disease

πŸ“ NewarkπŸ“… 2015

LygosYC

active

Lygos engineers yeast to convert sugar into high-value industrial…

πŸ“ San FranciscoπŸ“… 2016

LynksYC

active

Lynks is an e-commerce company that makes high demand products…

πŸ“ Alexandria GovernorateπŸ“… 2015

Magic Instruments makes a high-tech guitar that is easier and more…

πŸ“ Los AngelesπŸ“… 2015

We make vanpool simple.

πŸ“ Los AngelesπŸ“… 2015

Emails as quick and easy as text messaging.

πŸ“ Hong KongπŸ“… 2015

MasonYC

active

Mason is the fastest way to take smart devices from idea to end user

πŸ“ SeattleπŸ“… 2015

Helping fleets find and pay parking tickets

πŸ“ PittsburghπŸ“… 2015

Data management platform for oil & gas assets

πŸ“ AustinπŸ“… 2015

MioYC

active

Mio powers seamless communication between workplace chat apps.

πŸ“ AustinπŸ“… 2015

ModalYC

shutdown

digital commerce for the world’s largest auto retailers and brands.

πŸ“ San FranciscoπŸ“… 2015

MonthliYC

shutdown

Monthli is the first marketplace for homeowner associations. We…

πŸ“ San FranciscoπŸ“… 2015

mReliefYC

active

mRelief has built an easy-to-use platform and web and text messaging…

πŸ“ ChicagoπŸ“… 2015

MuxYC

active

Video infrastructure for developers

πŸ“ San FranciscoπŸ“… 2015

NetBeezYC

active

Network monitoring from the end-user perspective

πŸ“ PittsburghπŸ“… 2015

NetomiYC

active

Self-Driving Customer Care

πŸ“ San MateoπŸ“… 2015

NovaYC

acquired

Nova puts the power of AI to work for you, enabling a more continuous…

πŸ“ San FranciscoπŸ“… 2015

NURXYC

acquired

Medicine or testing kit, prescribed online and delivered to your door.

πŸ“ New YorkπŸ“… 2015

Open Motors (formerly OSVehicle) is a B2B company that is developing…

πŸ“ Palo AltoπŸ“… 2015

We make robots for biologists.

πŸ“ New YorkπŸ“… 2015

A live online learning platform that empowers kids ages 3–18.

πŸ“ San FranciscoπŸ“… 2015

Security patch notifications for servers. Build it, deploy it, and…

πŸ“ OaklandπŸ“… 2015

PathmindYC

shutdown

Pathmind helps industrial engineers and simulation modelers achieve…

πŸ“ San FranciscoπŸ“… 2015

PaveYC

active

Pave analyzes Google Analytics + marketing data and sends you reports…

πŸ“ TorontoπŸ“… 2015

PaystackYC

acquired

Modern payments infrastructure for Africa

πŸ“ LagosπŸ“… 2015

PerlaraYC

active

Perlara: building the YC for rare disease parents

πŸ“ OaklandπŸ“… 2016

PetcubeYC

active

Petcube is on the mission to improve lives of pets and pet owners…

πŸ“ San FranciscoπŸ“… 2015

An enterprise health benefits platform that rewards employees for…

πŸ“ UnknownπŸ“… 2015

PlatoYC

acquired

Plato is the mentorship platform for engineering leaders

πŸ“ San FranciscoπŸ“… 2015

PocketSuite is a mobile-first business management app that enables service professionals to handle bookings, payments, messaging, and client management.

πŸ“ San FranciscoπŸ“… 2016

PodiumYC

active

Get more leads. Make more money.

πŸ“ LehiπŸ“… 2015

PoppyYC

shutdown

Poppy makes it easy for parents to find high quality childcare with…

πŸ“ SeattleπŸ“… 2015

Protonet provides the easiest way for a small business to run its own…

πŸ“ UnknownπŸ“… 2015

PulpixYC

acquired

Binge-watching technology for video platforms.

πŸ“ New YorkπŸ“… 2015

Quilt manages data like code so that companies can experiment faster

πŸ“ San FranciscoπŸ“… 2015

QvinYC

active

Empowering women. Period.

πŸ“ Menlo ParkπŸ“… 2016

RappiYC

active

On-demand delivery and financial services for Latin America.

πŸ“ BogotΓ‘πŸ“… 2016

We make a fast and native issue tracker for software projects.

πŸ“ UnknownπŸ“… 2015

RedspreadYC

acquired

Version control for software environments

πŸ“ Mountain ViewπŸ“… 2015

Building humanity’s multiplanetary future.

πŸ“ Los AngelesπŸ“… 2015

RestocksYC

shutdown

Buy sneakers and streetwear here

πŸ“ San FranciscoπŸ“… 2015

RevlYC

active

AI edited video souvenirs as a service

πŸ“ San FranciscoπŸ“… 2015

Protects organizations from getting breached through their APIs.

πŸ“ Palo AltoπŸ“… 2015

No description available

πŸ“ BRπŸ“… 2015

The AI agent that doesn’t just support, it delights.

πŸ“ San MateoπŸ“… 2015

SilverYC

shutdown

Low cost consumer device for toxin detection.

πŸ“ CupertinoπŸ“… 2015

We're creating the loudest battery-driven speaker on the market

πŸ“ CopenhagenπŸ“… 2015

Start Closing is changing the way homeowners and contractors interact…

πŸ“ CoffeyvilleπŸ“… 2015

Information Security (Cyber Security), Compliance and Privacy (GDPR &…

πŸ“ Menlo ParkπŸ“… 2015

StiltYC

acquired

Financial products for immigrants (acquired by JG Wentworth)

πŸ“ San FranciscoπŸ“… 2015

StreamupYC

shutdown

Streamup is a live streaming community for music. We make it fun and…

πŸ“ Santa MonicaπŸ“… 2015

Originally a recruiting tool to boost employee referrals; website now offers resume services and career coaching for job seekers.

πŸ“ San FranciscoπŸ“… 2015

Creative-as-a-service

πŸ“ OsloπŸ“… 2015

Thunkable is the most powerful no-code platform for building native mobile apps for iOS and Android.

πŸ“… 2015

TovalaYC

active

A smart-oven-paired subscription meal service.

πŸ“ ChicagoπŸ“… 2015

ToymailYC

shutdown

Connected toys that enable two-way voice messaging between children…

πŸ“ New YorkπŸ“… 2015

TRACYC

shutdown

An end to end timing solution for any scale athletic event.

πŸ“ ChicagoπŸ“… 2015

TruebillYC

acquired

Live your best financial life

πŸ“ Silver SpringπŸ“… 2015

UnimaYC

shutdown

Fast and low-cost diagnostics for real time disease surveillance

πŸ“ ZapopanπŸ“… 2015

UnnyhogYC

shutdown

Video game development company.We are creating unique and…

πŸ“ Los AngelesπŸ“… 2015

UpLabsYC

shutdown

UpLabs is the #1 marketplace for designers & developers to find…

πŸ“ San FranciscoπŸ“… 2015

Devices to improve the quality of life for people with Spinal Cord…

πŸ“ San ClementeπŸ“… 2015

Wine by the glass, delivered

πŸ“ San FranciscoπŸ“… 2015

WakieYC

active

A social app for phone calls. Express yourself and make real friends.

πŸ“ Menlo ParkπŸ“… 2015

WorldCoverYC

shutdown

Funding platform for global insurance, starting with crop insurance…

πŸ“ New YorkπŸ“… 2015

Marketplace & Software Revolutionizing Yard Care

πŸ“ San MateoπŸ“… 2015

ZenysisYC

active

Building powerful data analysis software for developing countries.

πŸ“ San FranciscoπŸ“… 2016