Fintech payments

Flex

Website
Founded 2023Origin source ↗Checked 2026-09-15

Overview

Flex is a payment platform for businesses to accept HSA/FSA, unlocking the $150B per year sitting in HSA/FSA accounts.

Company description As recorded 2026-11-08

Founders & team

Sam O'Keefe

Founder

Sam is a cofounder at Flex. Her previous roles include product leadership at a growth stage fintech (Unit21), EIR in Area120, and global head of startup programs at Google, and an editor at TechCrunch. Sam has also been a writer and producer of South of Market, the Musical.

Founder profile As recorded 2026-09-15

Miguel Toledo

Founder

Miguel is a cofounder at Flex. Previously built software to make machine learning infrastructure and data pipelines work at Lyft Level 5, fraud and AML products at Unit 21, and monitoring systems at Google Cloud.

Founder profile As recorded 2026-09-15
8team members reported
Source-reported As recorded 2026-09-15

Founded 2023 · Source

News & product activity

Sources & observations

Y Combinator

Profile depthverified profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedRemote
Pricing evidenceNo pricing page confirmed
Maturity: Not assessed · 3 of 6 areas documented

Source-based assessment · automated evidence rules

The retained text does not establish product availability or customer use.

Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.

Stage definitions
independent websitesource corroborationreachable websitedescriptive evidenceclassified market and modelsourced peoplesourced founding year