Fire Wallet
Fire Wallet is a YC Fall 2026 (F26) company. Based in San Francisco, CA, USA. Team of 3.
About Fire Wallet
Summary
Fire Wallet builds a non-custodial, end-to-end encrypted stablecoin wallet with native payment processing built in. Users hold their own keys, route payments at lowest cost without a third-party processor, and move between stablecoins and fiat directly inside the app. The product targets individuals and businesses that currently hand custody and payment routing to centralized wallet and payments providers.
Business model
Fee on payment processing and fiat conversion, with no middleman taking a cut of routing
Go-to-market
Ecommerce merchants and DTC businesses moving high monthly payment volumes are the initial target; outreach is direct and founder-led, with early enterprise accounts in ecommerce unlocking referrals to adjacent businesses in the same vertical.
From the Y Combinator listing
Fire Wallet is a privacy-first crypto wallet designed to just work,…
🔥FIRE WALLET 🔥 https://www.youtube.com/watch?v=JeXDDegwhgA TL;DR: Fire Wallet is a fast, end-to-end encrypted, non-custodial stablecoin wallet with built-in payment processing and fiat on/off ramps, built by the team that created MobileCoin, the cryptocurrency inside Signal. Hey Bookface! We're Josh, Michael, and Manny and we're building Fire Wallet! 🔥Why we built this Most wallets and payment processors don’t work FOR you. They're slow, route your payments in the way that earns them the most, and they leak your financial life to anyone asking. Worse: every single one hold the keys to your money. We believe your financial tools should act in your interest and, frankly, that your money should be yours. 🔥What Fire does Multi-chain, non-custodial, end-to-end encrypted wallet. Your keys, your money, your assets: you are in full control of your funds at all times. Least Cost Routing. Every swap and payment takes the cheapest path, not the one that pays a middleman the most. Self-sovereign payment processing. Send an invoice straight from the wallet. Get paid from your web checkout. No middleman. Easy fiat on/off ramps. Move stablecoins to USD and back without the pain. Built for agentic commerce. Manage per-agent sub-wallets for agentic workflows. Encrypted by default. Protecting you from bad actors and surveillance capitalism. 🔥Early traction Signed our first major LOI with @Trustboop (founded by Justice Laub of Drone Racing League and Rob Rhinehart of Soylent). Onboarding our first enterprise customer in ecommerce packaging and marketing, doing about $1.5M/month in volume. They've connected us to 10 more companies in the same vertical at similar volume, roughly a $100M/yr GMV opportunity. 🔥Why us Josh and Manuel led the creation of MobileCoin, the cryptocurrency in Signal Messenger: $100M+ raised, $1.16B peak valuation, $4B+ peak coin market cap, acquired in 2026. Michael runs product and design. He's an internationally exhibited artist with two published art books, and he builds sick products. Manuel runs operations and orchestrates systems that actually work at scale. 🔥Asks Intros to businesses moving $1M+/month in payments, especially cross-border, ecommerce, and DTC, who want lower fees and more control over their funds. Strategic partners in fintech and payments interested in integrating our infrastructure. Tell us what's broken. Reply here or email founders@fire.co. We're looking for our first 100 customers. If that's you or someone you know, we'd love to talk.
Facts
- Fintech / Fintech
- San Francisco, CA, USA
- 3
- Active
- Early
Score every batch against your own thesis
GPAgent's sourcing agent reads every company in a batch, scores each one against your fund's thesis in a private workspace, and lines up the founders worth meeting before Demo Day. You decide who to contact. Your scores, notes, and pipeline never appear on these pages.
How Accelerator intelligence works