Spade

Overview

Spade is a data and AI platform for modern finance [8] founded in 2021 [12] and based in New York City [4]. The company was part of Y Combinator's Winter 2022 batch [5]. Spade takes messy transaction data and turns it into structured, verified records, with a platform, models, and tooling that help customers use it everywhere it matters [3]. More specifically, it enriches financial transaction data in real time, turning raw transaction strings into structured, verified merchant intelligence for banks and fintechs [2]. As of 2026, the company has a team of 30 people [13] and maintains an active status [6]. The company has open positions including Data Scientist (Mid-Sr), Account Executive, and Account Manager [1].

We take messy transaction data and turn it into structured, verified records — with a platform, models, and tooling that help our customers use it everywhere it matters. [10] [18]

New York City, NY, USA [5]

New York City [11]

2021 [12]

Spade builds a data and AI platform that enriches card transaction data in real time, turning raw transaction strings into structured, verified merchant and location intelligence for banks and fintechs. [20]

Spade's use cases span risk and authorization decisions with enriched merchant and location data returned in under 50 milliseconds, rewards and attribution at merchant and location level, analytics and AI that give consistent merchant context across payment channels, and cleaner transaction descriptions that reduce disputes. [21]

Y Combinator's directory lists the company location as New York City, NY, USA. [25]

Business address: 125 West 25th Street, New York, New York, 10001. [28]

Growth & traction

count: 30 [8]

30 [13]

Spade processes billions of transactions monthly, with P99 enrichment latency under 50ms and 95% of physical transactions matched to an exact geolocation. [23]

Y Combinator lists a team size of 30. [26]

Customers

Spade's named customers include Bilt, Coast, Mercury, Citizens, Cardless, Cash App Pay and Motive. [22]