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ernd

YC F26

San Francisco, US · Founded 2026 · 3 employees · 1 known investors

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ernd offers a credit card designed for companies spending on AI tools, providing cash back on AI purchases and other spending. It pools the purchasing power of startups to negotiate discounts, higher usage limits, and priority support from AI providers.

Also known as Lattice · Provenance · Provenance Research Inc. · Stitch Labs

AI & Machine LearningFintechAIUnited States of AmericaAmerica / Canada

Founders & leadership· Y Combinator alumni (F26)

CDConnor Dawson
Connor DawsonFounder/CEOHe previously built an AI agent-driven forecasting system at Bridgewater's AIA Labs, placed in multiple trading competitions, and is on leave from the University of Pennsylvania, where he studied computer science and mathematics.
NRNikhil Ruia
Nikhil RuiaFounder/CTOHe previously worked as a software engineer on data infrastructure at IMC Trading, interned on Ripple's stablecoin team working on RLUSD payment security, and conducted research on RLHF methods at the Wharton School.
MWMalcolm Wengel
Malcolm WengelFounderCOO of ernd who previously founded an investment fund focused on distressed industrial acquisitions and worked at a Series A fintech startup building AI agents for finance. He co-founded ARCodeKids, a nonprofit that raised nearly $600K to expand computer science enrollment in Arkansas, and is on leave from the University of Pennsylvania, where he studied finance and AI.

Investors · 1

In the news

ernd: the credit card for the AI stackycombinator.com · Oct 2026

Frequently asked questions

What does ernd do?
ernd offers a credit card designed for companies spending on AI tools, providing cash back on AI purchases and other spending. It pools the purchasing power of startups to negotiate discounts, higher usage limits, and priority support from AI providers.
Who are ernd's investors?
ernd's investors include Y Combinator.
Where is ernd headquartered?
ernd is headquartered in San Francisco, US.