AI-Native Services Map

Y Combinator

Y Combinator has backed 59 AI-native services firms on the map.

Portfolio on the map

• Afternoon: Managed AI bookkeeping, sales tax and corporate tax for ecommerce brands and startups (New York, United States)
• Balance: Bookkeeping, VAT, annual accounts and tax returns for UK and Danish SMEs; AI agent does the books, accountants sign off. (London, United Kingdom)
• Cranston AI: Bookkeeping, tax and financial reporting for startups and SMBs, done by AI workflows supervised by licensed CPAs. (San Francisco, United States)
• Fondo: Bookkeeping, tax filing and R&D credit work for startups, delivered by CPA-led teams on automation. (San Francisco, United States)
• Last Accounting Company (LAC): AI-native accounting firm for Finnish startups and SMBs; one fixed-price service replacing accountant and software (Helsinki, Finland)
• Onshore: AI-run R&D tax credit and 179D studies, with credentialed tax professionals verifying and filing (New York, United States)
• DiligenceSquared: AI-native consulting firm doing commercial due diligence and market research for PE, with MBB-trained project leads. (New York, United States)
• Foaster: AI-native consultancy: agents interview staff and draft AI transformation roadmaps, reviewed by expert consultants. (San Francisco, United States)
• Rex: AI-native outsourced order-to-cash and receivables service (San Francisco, United States)
• AgentCollect: B2B receivables recovery using in-house AI agents, paid on a success fee. (San Francisco, United States)
• Hypercore: Loan management software plus an AI Admin Agent that does loan administration for private credit funds. (Tel Aviv, Israel)
• Ralo: AI-native mortgage broker; licensed loan officers backed by an automation and pricing engine (New York, United States)
• Altair Health: AI-run medical billing service for independent practices; in-house billers handle exceptions. (Austin, United States)
• Nxtcure Labs: AI-native CRO running oncology studies with an oncologist review board (San Francisco, United States)
• Overdrive Health: AI-native medical billing company starting with ambulance billing, acquiring a billing agency. (New York, United States)
• Scheduling Wizard: Outsourced physician scheduling for hospital departments, run on its own scheduling language and AI workflows. (Washington, United States)
• Shield Technology Partners: Acquires regional managed IT providers and runs them on in-house AI that automates about 60% of support tickets. (New York, United States)
• Acolite: AI-powered commercial insurance brokerage for construction contractors, with licensed brokers (Philadelphia, United States)
• Casey: AI-native commercial insurance brokerage where brokers close business and AI runs submissions (San Francisco, United States)
• ClaimSorted: Tech-enabled claims TPA for insurers and MGAs using AI plus human adjusters. (London, United Kingdom)
• Corgi: Licensed insurance carrier for venture-backed startups (D&O, cyber, GL) with AI underwriting and claims. (San Francisco, United States)
• Coverage Cat: AI-native licensed insurance broker for consumers (New York City, United States)
• Fernstone: AI-native commercial insurance brokerage for construction, security and logistics firms, with licensed brokers. (New York, United States)
• Harper: Licensed commercial insurance brokerage for small and mid-sized businesses, using its own AI platform to place coverage. (San Francisco, United States)
• Hedge: AI-native specialty wholesale insurance brokerage, moving into underwriting (San Francisco, United States)
• Ignition Benefits: AI-native employee benefits brokerage for companies under 200 staff (Los Angeles, United States)
• Klaimee: Liability insurance for companies deploying AI agents, priced from an AI risk score. (San Francisco, United States)
• Panta: Commercial insurance brokerage for hard-to-place risks; AI agents run submissions and renewals with human approval. (San Francisco, United States)
• RiskCube: AI-native insurance brokerage placing D&O, cyber and tech E&O cover and COIs for startups, with licensed broker review. (San Francisco, United States)
• Risklytics: Licensed commercial insurance broker for robotics and frontier AI firms (San Francisco, United States)
• Shepherd: Managing general underwriter for construction and infrastructure insurance, using AI to speed up underwriting. (San Francisco, United States)
• TrueClaim: AI-powered third-party administrator for self-insured health plans. (San Francisco, United States)
• Veltha: AI-native workers' comp third-party administrator; licensed adjusters approve every claim decision. (San Francisco, United States)
• Blueshoe: Consumer and plaintiff law firm whose own platform agents run matters end to end under attorney review (Phoenix, United States)
• Codes Health: Retrieves and reviews medical records for personal injury and mass tort law firms, using AI, in 10 to 12 days. (New York, United States)
• Erinys: Launches and operates AI-native law firms for lawyers, with its own tech, back office and client acquisition (San Francisco, United States)
• General Legal: Flat-fee law firm for startups doing contract review, drafting and negotiation with attorneys using in-house AI. (San Francisco, United States)
• LegalOS: Immigration law firm built on AI that files O-1, H-1B, EB-1A and similar visa petitions, each signed by a licensed attorney. (San Francisco, United States)
• Moritz (formerly Arcline): AI-native law firm doing startup contracts and corporate legal work with same-day turnaround at flat fees. (San Francisco, United States)
• Vector Legal: AI-native law firm for tech companies: proprietary VectorOS plus licensed attorneys (San Francisco, United States)
• OffDeal: Sell-side M&A advisory for US small businesses ($5M-$100M revenue), using proprietary AI for buyer matching and CIMs. (New York, United States)
• Alchemize: AI-native customs brokerage handling import entry filing for importers. (San Francisco, United States)
• Forge: AI-native freight forwarder and customs broker; files entries and duty drawback claims with licensed brokers. (New York City, United States)
• LinkLane: AI-powered freight brokerage that quotes, books and manages loads with a staffed team. (San Francisco, United States)
• Nuvocargo: Runs US-Mexico-Canada truckload freight for shippers using AI agents with freight experts on each account. (New York, United States)
• Peer: AI-native licensed freight brokerage for shippers (San Francisco, United States)
• SpaceFlow Technologies, Inc.: AI-native procurement services: runs sourcing and contracting for manufacturers and distributors. (San Francisco, United States)
• Assembly HOA: AI-native HOA management company for the San Francisco Bay Area and Greater Los Angeles (San Francisco, United States)
• Atlia: AI-native short-term rental property management at a flat 10% fee, with local operators supervising AI agents (San Francisco, United States)
• Landeed: Indian property title opinions signed by employed advocates, plus registry execution by field officers. (Hyderabad, India)
• Obia: AI-native commercial real estate brokerage for industrial and office tenants, licensed in California. (San Francisco, United States)
• Spotlight Realty: AI-assisted NYC residential rental brokerage charging a reduced commission, with licensed agents behind it. (San Francisco, United States)
• Contrario: Expert recruiters paired with AI agents for hiring (San Francisco, United States)
• Perfectly: AI-native recruiting agency: own sourcing agents plus a forward-deployed recruiter per client (San Francisco, United States)
• Prism: AI-native recruiting agency: sources, screens and shortlists candidates; 15% of first-year salary on signed offer. (London, United Kingdom)
• Spine: AI-native benefits brokerage and HR/payroll operations run by senior specialists, paid by carriers. (San Francisco, United States)
• Throxy: Managed outbound prospecting by SDRs on in-house tech that books qualified meetings, paid per meeting (London, United Kingdom)
• Agency: AI-driven managed security and compliance programs with vCISO (New York City, United States)
• Superunit: AI agents verify employment and income by contacting employers, for background screeners and lenders, charged per completed check. (Los Angeles, United States)

The AI-Native Services Map is published by Eilla AI. What counts as AI-native? · What's new · Summary for AI tools