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ZeroSettle

ZeroSettle is a YC Winter 2026 (W26) company. Team of 2.

About ZeroSettle

GPAgent's own fund-neutral profile, written from public information. Updated Oct 4, 2026.

Summary

ZeroSettle gives mobile apps a branded iMessage channel for reaching customers directly. Businesses use it to send retention offers, run AI support agents, handle inbound customer messages, and authenticate users via iMessage instead of passwords or verification codes. It replaces generic SMS, email flows, and third-party chat tools with a native Apple Messages presence tied to the company's name and logo.

Business model

$199 per month per iMessage number, self-service with no setup fee

Go-to-market

Mobile app teams and businesses sign up self-serve through the ZeroSettle portal and connect their own iMessage number on Apple hardware without a sales process.

From the Y Combinator listing

How ZeroSettle describes itself in Y Combinator's public directory.

Drop-in Direct Billing SDK for In-App Purchases

ZeroSettle is a mobile SDK that switches customers from App Store billing to direct billing. It takes 15 minutes to set up and immediately unlocks zero App Store fees, higher retention/conversion, and instant payouts.

Facts

Industry
Fintech / Fintech -> Payments
Team size
2
Status
Active
Stage
Early

Founders (2)

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