/Companies

Zage

DefunctYC S21

San Francisco, US · Founded 2020 · 10 employees · 12 known investors

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Zage lets users make payments through bank transfers while accumulating rewards for their transactions.

Also known as Zage, Inc.

FintechUnited States of AmericaAmerica / Canada

Founders & leadership· Y Combinator alumni (S21)

Zage was founded in 2020 by Arsh Shah Dilbagi, Cole Bransford, and Ryan Ozminkowski.

ASArsh Shah Dilbagi
Arsh Shah DilbagiFounder
CBCole Bransford
Cole BransfordFounderuntil 2022Cole Bransford is a former co-founder and chief technology officer at Zage.
RORyan Ozminkowski
Ryan OzminkowskiFounderuntil 2022Ryan Ozminkowski is co-founder of Zage, which enables users to make payments through bank transfers while accumulating transaction rewards.
KR
Kathryn RungruengHead of Operations

Investors · 12

Company profile

researched Aug 2026

Zage was a fintech company based in San Francisco that enabled payments made directly from users' bank accounts ("pay by bank") while allowing users to earn rewards on those transactions. The company described its aim as making the exchange of value seamless for everyone.

Founded in 2020, Zage participated in Y Combinator's Summer 2021 batch and reached a team size of 10. It is listed as inactive.

Founding story

Zage was founded in 2020 by Arsh Shah Dilbagi, Cole Bransford (co-founder and CTO) and Ryan Ozminkowski.

Business model

Zage operated in the fintech sector, processing consumer payments funded by bank transfers rather than card rails, with a rewards component tied to transactions.

Latest developments

Zage is listed as inactive, and its founding team members are described as former founders of the company.

▸Full profile — market position, technology, geography, history

Market position

Zage was an early-stage, Y Combinator-backed fintech company operating in the consumer payments segment.

Technology

The product enabled payments to be initiated directly from users' bank accounts and accrued rewards on those payments.

Geography

Headquartered in San Francisco, United States.

History

The company was founded in 2020 and took part in the Y Combinator Summer 2021 accelerator batch, operating out of San Francisco with a team of about 10 people. It is currently listed as inactive; its founders have since moved on, with Arsh Shah Dilbagi noted as a founder of adaline.ai.

Compiled by commissioned research from 3 cited public sources — announcements, filings, and press listed under research sources below.

Key figures

latest reported
Team sizeJan 202010 employees

Company-reported or press-reported figures, each dated to when it was claimed — not independently audited.

Related companies · 5

Companies working in the same space as Zage.

Timeline · 1

launches, deals, and filings
Jan 2021
Participated in Y Combinator Summer 2021 batch

Zage was part of Y Combinator's Summer 2021 batch.

source ↗

Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.

Legal entities · 1

corporate structure
Zage, Inc.

▸Research sources · 3

primary sources listed

3 public sources were cited for this profile; the first-party ones are listed here.

Frequently asked questions

What does Zage do?
Zage was a San Francisco fintech offering pay-by-bank payments with rewards for consumers and merchants.
Who founded Zage?
Zage was founded by Arsh Shah Dilbagi, Cole Bransford, Ryan Ozminkowski in 2020.
Who are Zage's investors?
Zage's investors include MPG Fund, Y Combinator, Addition, APOLLO PROJECTS, Contrary, Crystal Towers Capital, Formulate Ventures, Mantis Capital and 4 more.
Where is Zage headquartered?
Zage is headquartered in San Francisco, US.