Participated · Seed · Feb 2024

Cambio builds AI phone bots that negotiate debt collections on behalf of consumers and, via an API called AviaryAI, places outreach and sales calls for banks, credit unions and insurers. The company began as a neobank in 2021 but pivoted after Y Combinator to focus on tools that help users improve credit and resolve collections. Cambio says its debt-negotiation offering helped around 70% of customers resolve collections and that seven out of 10 customers improved their credit scores within 60 days. The consumer app has reached nearly 90,000 users and the business model shifted from freemium to paid. Cambio is trialing its B2B API with early adopters including Envisant, Encurage Financial Network, Agenium and Skyla Credit Union, and plans to focus monetization efforts on the API while keeping the consumer app. The company also emphasizes legal compliance and quality-control measures for its bots, and reports AI-call pickup and success rates comparable to human callers. Cambio is a mobile app serving consumers with credit scores below 650, helping them resolve bad credit items, build credit through a 0% interest loan, and access affordable refinancing opportunities. Members receive daily guidance and updates to navigate the complex U.S. credit system. The company positions itself as addressing roughly 100 million consumers with debt in collections and aims to help non-banking Americans save money and rebuild finances. Cambio says it grew from an idea to a movement where people can invest in themselves and escape the pain of damaged credit. The company plans to use Y Combinator's resources to accelerate growth and impact following its acceptance into YC's Summer 2022 cohort. Cambio is based in Chicago and is led by CEO and founder Blesson Abraham.

Participated · Seed · Dec 2022

Metriport builds open-source APIs to give digital health companies access to consumer and medical health data. It has launched its first product, the Health Device API, which aggregates consumer data from wearables, RPM devices, and mHealth apps. The company plans to launch a Medical API to allow companies to access patients' medical records and interface with EHRs, targeting a 2023 release. Both products are open source and positioned as a Plaid-like layer for medtech focused on developer friendliness, transparency, and accessibility. Metriport raised a $2.4 million seed round at a $20 million valuation, all on post-money SAFEs, which the company says is being used to grow the team, accelerate engineering, and cover compliance and legal fees. The founders, who went through Y Combinator, describe the company as mission-driven and aim to democratize access to healthcare data to improve patient outcomes.

Participated · Seed · Apr 2022

ImaliPay is a one-stop embedded financial services platform for gig economy workers across Africa. It began with a BNPL fuel product for two-wheeler drivers and expanded into services including spare parts, smartphones, power banks, savings, investments, and health and income-protection insurance. The company connects to partners via APIs and also offers services through an app, chatbot and USSD, building a partner ecosystem of gig platforms and vendors. In 15 months its user base grew 60x to the tens of thousands, with services available through about 4,500 vendor points and over 200,000 transactions; revenues come from transaction and referral fees. ImaliPay was launched in late 2020 by Tatenda Furusa and Oluwasanmi Akinmusire, who previously worked at Cellulant. After prior pre-seed support and a $800,000 pre-seed in 2020, it closed a $3M seed in debt and equity to scale the team, boost technology and expand into new markets such as Ghana and Egypt. ImaliPay is an embedded finance platform founded in 2020 by Tatenda Furusa and Sanmi Akinmusire that targets financial inclusion for African gig workers. The company uses AI and Big Data to design tailored products—loans, cash advances, savings accounts and credit‑building tools—integrated with gig platforms. It offers in‑kind loans and a buy‑now‑pay‑later model tied to a worker’s trade; for example, Bolt drivers in Kenya can request fuel loans repaid after three to four days. ImaliPay aims to build an ecosystem that creates a safety net for gig workers through easy savings and transparent in‑kind financing to drive productivity and economic empowerment. The startup plans to expand its product offering and grow its presence in Kenya, Nigeria and South Africa. Recently it secured an undisclosed pre‑seed funding round to support that expansion.

Participated · Seed · Mar 2021

LoginID is a FIDO-certified authentication provider based in San Mateo, Calif., and Toronto, Canada. Led by CEO Simon Law, the company offers a wide range of APIs and SDKs that let companies integrate FIDO-certified authentication into websites, applications, e-commerce, or banking brands in as little as 15 minutes. Its product enables brands to add customer authentication rules, meet new compliance regulations, and reduce fraud using biometrics. Financially, LoginID received an additional investment from Visa; the amount and terms were not disclosed. The investment follows a prior $6M seed round. LoginID, led by CEO and co-founder Simon Law, is based in San Mateo, Calif., and Toronto, Canada. The company offers a FIDO2 and UAF certified customer authentication, privacy and tokenization platform. Its approach adds secure, FIDO-certified biometrics to websites, applications, e-commerce and banking brands via APIs and SDKs. LoginID says enterprises can integrate FIDO-certified authentication in as little as 15 minutes. It recently became FIDO UAF 1.1 server certified and achieved iOS and Android certification. The company intends to use the funds to accelerate adoption of its passwordless solutions.

Participated · Equity · Nov 2019

Foodvisor’s mobile app uses deep learning to identify the type of food in a photo and estimate the weight of each item. The app calculates the distance between the plate and the phone using autofocus data and then computes the area of each item; users can manually correct information before logging. The company has generated 2 million app downloads and recently launched in the U.S., which it views as a market opportunity. With the new funding, Foodvisor plans to improve the app and hire 15 more people. The latest reported financing is a $4.5 million round led by Agrinnovation with participation from Leonis Investissement and various business angels. Foodvisor built a mobile app that automatically logs meals from a photo using deep learning to detect food types and estimate weight/volume. The app calculates nutrition facts (calories, proteins, carbs, fats, fibers), lets users set goals, log activities and monitor progress. It estimates plate-to-phone distance using camera autofocus, computes item areas and extrapolates volumes by food type, and allows manual corrections when recognition is wrong. Foodvisor launched its app in 2018 in France after more than two years of R&D and is available on iOS and Android in French, English, German and Spanish. The startup has attracted 1.8 million app downloads and offers a premium subscription at $5–$10 per month that includes additional analysis, diet plans and in-app chats with registered dietitians. The company says it has adjusted its product and enriched its database to better target the American market and has raised $1.5M (€1.4M) to date.