Fintech payments

SpotPay

Website
Founded 2025Origin source ↗Checked 2026-09-15

Overview

SpotPay is a global borderless neobank. We give users one account that works for everything payments related: receiving money from abroad, paying locally, spending anywhere with the SpotPay card and saving and earning on their balance.

Company description As recorded 2026-11-08
LinkedIn
Fintech paymentsConsumer appConsumersConsumerTransaction fee

Founders & team

Zsika Phillip

Founder/CEO

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.

LinkedIn
Founder profile As recorded 2026-09-15

Thomas Cesare-Herriau

Founder/CTO

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.

LinkedIn
Founder profile As recorded 2026-09-15
2team members reported
Source-reported As recorded 2026-09-15

Founded 2025 · Source

News & product activity

Sources & observations

Y Combinator

Profile depthverified profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedSan Francisco, CA, USA
Pricing evidenceNo pricing page confirmed
Maturity: Launched · 3 of 6 areas documented

Source-based assessment · automated evidence rules

The company website offers product access through a trial, free start, app download, purchase, or onboarding with existing-account login. Customer adoption is not established by this evidence.

Company website: home Checked 2026-11-06

Download the App

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
startup.observe Directory coverage · Sources & method