Blinka
Blinka is a YC Fall 2026 (F26) company. Based in San Francisco, CA, USA.
About Blinka
Summary
Blinka builds a USD banking platform for US-incorporated companies whose operations, teams, and vendors are based outside the United States. It replaces a patchwork of traditional bank accounts and wire services by offering USD accounts, global corporate cards with no foreign-transaction fees, cross-border payments without standard FX markups, and treasury yield on idle balances, all in one platform. The AI-powered back-office tools handle the financial operations work that would otherwise fall to manual processes or separate software.
Business model
A fee on payments and FX conversions, with cash back on card spend and yield earned on treasury balances.
Go-to-market
US-incorporated businesses running global operations sign up directly through the platform; the website offers self-serve account opening without requiring a US presence, and a sales team handles prospects with more complex needs.
From the Y Combinator listing
Banking for US companies operating globally
Blinka is banking for US companies operating globally. Our customers incorporate in the US but run their operations, teams, and vendors from other countries. They use Blinka as their primary operating account. With Blinka, companies can: - Open a USD business account without being in the US. - Send money abroad without the usual 4–5% FX fees. - Earn yield on treasuries. - Issue global corporate cards with 1.5% cash back and 0 international fees. - Manage their financial operations with our AI tools.
Facts
- Fintech / Fintech -> Banking and Exchange
- San Francisco, CA, USA
- Active
- Early
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