Lyon
Lyon is a YC Fall 2026 (F26) company. Based in San Francisco, CA, USA. Team of 2.
About Lyon
Summary
Lyon trains foundation models from scratch on the proprietary event data of banks, insurance companies, and fintechs. Each model learns from a company's own transactions, payments, clicks, and customer interactions, then runs inside that company's cloud on AWS, GCP, or Azure. A single model powers every downstream prediction, from credit risk and fraud to churn, collections, income, and cross-sell, replacing separate feature-engineering projects for each task.
Business model
Custom model training and deployment engagements with banks, insurers, and fintechs.
Go-to-market
Lyon sells to financial services enterprises through a direct sales motion, deploying inside the customer's own cloud environment so data never leaves their infrastructure.
From the Y Combinator listing
Foundation models on enterprise event data.
Lyon builds private foundation models for banks, fintechs, funds, brokers and payments companies, turning their own data into better predictions. These models apply the transformer technology behind large language models to transaction histories, loan records and customer activity. They learn relationships across events and over time that manually engineered features can miss, producing richer signals for existing models and new applications. The same model can support fraud detection, credit default prediction, loss given default estimation and product recommendations. Lyon develops and deploys each institution’s model, with software to keep it current and integrate its predictions into existing systems. At a consumer fintech with tens of millions of users, a Lyon model trained on tens of billions of transactions delivered a 112% relative improvement in default prediction PR-AUC over the fintech’s existing tree-based model.
Facts
- B2B / B2B -> Analytics
- San Francisco, CA, USA
- 2
- Active
- Early
Founders (1)
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