Overview
IRBC is a financial technology company [3] headquartered in New York City [5][11] that was founded in 2024 [12] and accepted into Y Combinator's Spring 2025 batch [6]. The company operates as an active [7] AI-native financial institution for global businesses and their AI agents [3][4]. IRBC enables businesses across 160 countries to bank, earn yield, spend with Visa credit cards, make instant global payments, and process payments like a local [4]. The company's services are powered by programmable money and accessible through chat interfaces and a command-line interface [4]. The team consists of three members [1][13].
IRBC is a financial technology company building an AI-native financial institution for global businesses and their AI agents. We believe stablecoins are to finance what AI is to software. IRBC enables businesses across 160 countries to bank, earn yield, spend with Visa credit cards, make instant global payments, and process payments like a local. All powered by programmable money and accessible through chat interfaces and a CLI. [7] [12]
2024 [1]
New York City, NY, USA [8]
New York City [14]
Y Combinator's directory lists the company location as New York City, NY, USA. [17]
Growth & traction
3 [3]
count: 3 [4]
Y Combinator lists a team size of 3. [16]
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