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Sponge

Financial infrastructure for the agent economy

Y CombinatorWinter 2026ActiveB2B

What they do

Problem

Autonomous agents and the businesses that serve them lack seamless ways to hold, spend, and accept money without human involvement.

Solution

Sponge provides financial infrastructure—bank accounts, cards, and crypto rails—that lets agents transact autonomously and enables businesses to onboard and accept agent payments with minimal effort.

Who it's for

Autonomous AI agents and businesses that want to sell services directly to those agents.

Founders

Eric Zhang
Founder

Co-founder Sponge (YC W26). Ex-Stripe Crypto.

Jae Choi
Founder

Co-founder Sponge (YC W26). Ex-Stripe Crypto.

Rishab Luthra
Founder

Co-founder Sponge (YC W26). Ex-Stripe Crypto.

Company timeline

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