Start with the idea. Plan for every way it could go.

Incubator is a fintech incubator for passionate founders from anywhere in the world. We work through an idea with you, spend months planning for what could happen, then launch it alongside advisors who know financial services inside out.

Apply to the next cohort See how the program works

Every company we build has more than one plan

Pick something that could happen to a fintech startup. See how the plan bends, while the launch stays in sight.

Three stages, from first idea to first customers

The middle stage is the longest on purpose. Most fintech companies don't fail on the idea. They fail on something nobody planned for.

Months 1–2

Ideate

You arrive with a problem you care about. We pressure-test it with you until it's an idea worth months of work.

  • Talk to real customers in your market
  • Map who pays, who regulates, who competes
  • Decide what you're building and what you're not
Months 3–7

Plan for what happens

We build a plan for the base case and for the ways it could break, then rehearse each one before it's real.

  • Scenario plans for rates, regulation and partners
  • Licensing and banking paths, with backups
  • Unit economics that survive the bad quarter
Month 8 onward

Launch

You go live with fintech advisors beside you, and you keep them as you learn from your first customers.

  • Pilot in your first market
  • Weekly sessions with your advisors
  • Introductions to banks, regulators and investors

The 2026 cohort

Two founding teams have come through Incubator this year, one in the first quarter and one in the third.

wUSDC.com logo and headline: The Standard for Lending to Over-Collateralized Traders
Q3 2026

wUSDC

The standard for lending to over-collateralized traders.

On-chain capital for active traders, with over-collateralized loans, fast programmatic funding and transparent infrastructure.

Visit wusdc.com (opens in a new tab)

Great fintech ideas start with someone's own money problem

We look everywhere, not just in financial hubs. These are the kinds of ideas we want to hear from the people who live them.

  • LagosRemittances that arrive before the sender closes the app.
  • São PauloCredit for small shops, built on their daily sales, not paperwork.
  • JakartaSavings tools for gig workers whose income changes every week.
  • WarsawCross-border payroll for remote teams that skips the bank fees.
  • NairobiInsurance for farmers that pays out on weather data, not claims forms.
  • Mexico CityBusiness accounts for freelancers who get paid in three currencies.

Advisors who have already made these mistakes

Every founder is matched with advisors who have worked in the part of fintech they're building in. They plan with you, then stay through launch.

Payments and settlement
How money actually moves between people, banks and borders, and where it gets stuck.
Regulation and licensing
Which licenses you need, which you can borrow, and how long each one really takes.
Banking partnerships
Finding a sponsor bank, negotiating terms, and having a second one ready.
Credit and risk
Pricing risk fairly, setting limits, and staying solvent when the economy turns.
Fraud and compliance
Building identity checks and monitoring that protect customers without shutting them out.
Growth in new markets
Earning trust with people who've been let down by financial products before.
Work in fintech? Tell us how you'd like to help

What we look for in a founder

A problem you've lived

You know this problem because you or someone close to you has run into it. That detail shows up in the product.

Stamina for the long middle

Planning for months is slow, unglamorous work. You'd rather get it right than get it announced.

Honesty about what you don't know

You'll tell us where the plan is weak. Our advisors can only help with gaps they can see.

Launch day is when the next set of plans begins

Your advisors stay with you after you go live. Pick something that could happen once customers arrive, and see how the plan adapts.

Tell us what you want to build

Two sentences are enough to start. We read every application and reply to each one, wherever you are.