SpotPay

Stablecoin Global Bank Account

Y CombinatorWinter 2026ActiveFintechConsumer Finance

What they do

Problem

People and businesses struggle to receive, hold, and spend money across borders due to slow, costly, and fragmented banking and payment systems.

Solution

SpotPay provides a borderless neobank account with stablecoin-backed balances for receiving international payments, paying locally, spending via a card, and earning on deposits.

Who it's for

Individuals and businesses that need a single global account for cross-border payments and everyday spending.

Founders

Zsika Phillip

Founder

Founder and CEO at SpotPay. Previously Lead Engineer at Google (Monetization, Cloud, YouTube). Zsika grew up between the Caribbean and Latin America and experienced firsthand how slow and unreliable it is to move money home and pay for everyday life. Growing up in the Caribbean, Zsika was a competitive track-and-field athlete, running against a then-up-and-coming Usain Bolt. His personal bests include 10.3 in 100M and 21.7 in 200M. Zsika got his MBA Stanford and CS Degree from Purdue.

Thomas Cesare-Herriau

Founder

Founder and CTO of SpotPay. 4th Engineer at Brex, I grew to Principal Engineer. Throughout the 6 years I led teams and departments across Financial Products and Platforms. I was at Google for a bit but it was too slow. On the plus side though, I met my future cofounder there! French.