Uno Wallet is an AI-powered wallet that automatically selects the best credit card for each purchase based on merchant category, card rewards, and spending patterns. The platform aims to optimize everyday financial decisions, including which card to use at checkout and when bills are due. It was founded by Mordi Shadpour, formerly of Bloomberg, and Saket Joshi, a former member of technical staff at xAI. Uno Wallet is based in San Francisco and is part of Y Combinator's Spring 2026 batch.
Uno Wallet
ActiveThe AI wallet that picks the best card at checkout
Total raised
$500K
1 round
Stage
Seed
Jan 2026
Team
1-10
since 2026
Pricing
—
Founded
2026
San Francisco, United States
Agent-ready
—
AI wallet that selects the best credit card at checkout
Card selection based on merchant category
Optimization using card rewards structures
Personalization based on individual spending patterns
Automatic optimization of everyday financial decisions
Tracking of when bills are due
Rewards maximization across multiple cards
AI-driven everyday financial guidance
12/100
Early
MCP server
Public API
Webhooks
OAuth 2.0
SDKs
No public agent surfaces detected yet.
Jan 2026 Seed $500K ● Y Combinator
Capital network
$500K raised ·1 backer·10 network links
- Backers1
- Shared portfoliocompanies these backers also fund
- Extended networkfunds that co-invest alongside them
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- What does Uno Wallet do?
- Uno Wallet is an AI-powered wallet that automatically selects the best credit card for each purchase based on merchant category, card rewards, and spending patterns.
- Does it help beyond card selection?
- Yes. It aims to optimize everyday financial decisions, including which card to use at checkout and tracking when bills are due.
- How does it decide which card to use?
- It evaluates the merchant category, the rewards structure of each card, and the user's spending patterns to pick the best card.
- Who founded Uno Wallet?
- It was founded by Mordi Shadpour, formerly of Bloomberg, and Saket Joshi, a former member of technical staff at xAI. Uno Wallet is San Francisco-based and part of YC's Spring 2026 batch.
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