
Fintech · New York
Kobalt Labs
Kobalt Labs provides an AI-native compliance operating system for financial institutions, helping fintechs like Chime and Upstart navigate regulatory requirements efficiently. Founded by Stanford and fintech veterans, the company is backed by Y Combinator.
Backed by First Harmonic, Alloy Labs, Y Combinator
Work at Kobalt Labs?
- Locations
- New York+1
- Also Remote
- Team size
- 1-10
- Founded 2023
- Total raised
- $24.2M
- Series A · last round Feb '26
- Salary range
- $175–250k
- + equity · 2 of 7 roles
- Visa
- Visa sponsorship
- 1 of 7 roles
Open positions · 7
About Kobalt Labs
Kobalt Labs is an AI-native compliance operating system designed specifically for financial institutions including banks, credit unions, and fintechs. The company serves high-growth fintech companies such as Chime, Upstart, and Affirm, helping them navigate complex regulatory requirements with advanced artificial intelligence. Founded by a team with deep expertise from Stanford, Apple Pay, and Affirm, Kobalt Labs combines technical innovation with regulatory knowledge, further strengthened by advisors who are banking executives and former regulators. Backed by Y Combinator and well-capitalized, the company is positioned as a trusted partner for financial services firms seeking to streamline their compliance operations.
Funding
$24.2Mtotal raised
- Feb 2026 · Series A$12.7M
- Dec 2025 · Series AFirst Harmonic, Alloy Labs, Y Combinator$11M
- Sep 2023 · Seed$500k
- First Harmonic

- Alloy Labs

- Y Combinator

Company at a glance
The team at Kobalt Labs
1-10 peopleSee everyone on LinkedIn
Team breakdown
Team Distribution
- Leadership50%
- Engineering25%
- Sales25%
Where the Team Studied
- 1.Stanford University
- 2.National University of Singapore
- 3.Harding University
Team Worked At
- Affirm
- Apple
- Meta
- Akamai Technologies
Location
Team Composition
10 people- Engineering and Technical1 senior4
- Customer Service2
- Consulting1 senior1
Life at Kobalt Labs
Frequently asked questions
Of 7 open roles, Kobalt Labs has 1 remote, 6 on-site positions.
Kobalt Labs is based in New York.
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