Key Takeaways:
- YZi Labs unveils 24 new early-stage investments from EASY Residency Season 4, with each company receiving $500,000 through the incubation program.
- Season 4 centered on the next generation of global financial infrastructure—from stablecoin payments and on-chain FX to institutional market infrastructure, privacy, credit, and AI-native execution.
YZi Labs today announced investments across 24 early-stage companies selected for EASY Residency Season 4, its flagship incubation program for founders across Web3, AI, and biotech. Each company received $500,000 following a 10-week season that began online and brought founders together in Bhutan.
This cohort’s center of gravity is the next layer of global financial infrastructure — from stablecoin payments and on-chain FX to institutional market structure, privacy, credit, and AI-native execution. The teams below reflect the core themes we explored and built around throughout the season:
- Stablecoin payments and coss-border settlement
- On-chain FX, credit, and neobanking
- Institutional-grade liquidity and market-making infrastructure
- Privacy, compliance, and financial operations for digital assets
- AI agents, financial intelligence, and automated execution
- Consumer and enterprise interfaces for on-chain finance
- AI-native security, and creator infrastructure
Together, the Season 4 cohort reflects where we believe global payments, on-chain markets, and agentic finance are heading: more programmable, more local, more compliance-focused, and more useful in everyday financial workflows.
Let’s meet the teams.
Aile: Permissionless on-chain FX for regional stablecoins.
Aile is building an on-chain FX layer for regional, non-USD stablecoins. Its intent network lets competing solvers aggregate liquidity from FX brokers, DeFi pools, and issuer mint/redeem rails into deep books for each pair, with settlement handled atomically on-chain.
Alloco: From market view to on-chain investment product.
Alloco is building an institutional on-chain ETFT issuance platform for real-world assets, market strategies, and thematic opportunities. From hedge fund strategies to tokenized pre-IPO exposure, the team packages complex assets into tokenized products and strategies for retail and institutional users.
D0: Local payment rails for on-chain finance.
D0 helps on-chain trading and investment platforms accept deposits through local payment methods across emerging markets. For crypto to reach the next wave of users, deposits cannot stop at crypto rails and cards alone; local payment access becomes core infrastructure.
De¹: A financial world model grounded in live execution.
De¹ is building an on-chain Financial World Model: a live, market-grounded intelligence layer that connects simulation with real execution. Today, De¹ reports processing more than $800 million in daily volume across 200+ institutions, 1,000+ liquidity sources, and 40+ chains.
ElfomoFi: Prop-AMM infrastructure for EVM markets.
ElfomoFi brings CEX-like pricing on-chain by connecting professional market makers, liquidity providers, and traders through Prop-AMM infrastructure. Market makers can distribute liquidity across leading DEX aggregators and solvers, while LPs gain access to delta-neutral market-making strategies through public vaults and private liquidity networks.
Facto: Payment middleware for spending on-chain balances in everyday life.
Facto lets users spend directly from earning stablecoin balances through payment methods they already use, without moving or pre-funding money. Its APIs connect balances and payment providers across institutions while handling authorization and settlement in between.
FinTax: Accounting, tax, and AI infrastructure for digital asset finance.
FinTax is building crypto accounting, tax, and compliance infrastructure for enterprises, financial institutions, and governments. As digital assets mature, operational standards become part of the market’s foundation, and FinTax is working on that financial back office layer.
Kravata: Regulated last-mile stablecoin infrastructure for Latin America.
Kravata gives banks, fintechs, telcos, and businesses a single integration to embed stablecoin accounts, on/off ramps, custody, payments, and yield across Latin America. By handling regulatory requirements, banking relationships, liquidity, and compliance, Kravata helps partners launch stablecoin services more efficiently.
Liquorice: Inventory credit for intent and RFQ market makers.
Liquorice is building an inventory credit layer that makes intent and RFQ market making more capital-efficient. Instead of forcing market makers to lock capital across wallets, Liquorice lets them borrow from a shared pool just in time when they win a solver auction.
Meddcom AI: AI-powered personalized preventive health and longevity.
Meddcom AI combines longevity diagnostics, continuous monitoring, and treatments into one AI-powered platform. By integrating 100+ blood biomarkers, epigenetic testing, and data from 100+ connected devices, it turns fragmented health data into an evolving record designed to support proactive health and wellness management.
Nara: Programmable credit for cross-border payments.
Nara is building a programmable credit layer for cross-border payment flows, allowing fintechs to draw and repay liquidity around the clock. The financing premiums accrue to NaraUSD, a liquid and composable savings product designed for the stablecoin-native credit stack.
Neutral Trade: Tokenized hedge fund strategies through vault infrastructure.
Neutral Trade brings professional trading strategies on-chain through its Neutral Vault Infrastructure, connecting capital allocators with experienced traders in a more accessible format. As reported by Neutral Trade, with more than $210 million in deposits processed to date, the team is building a structured bridge between institutional strategy design and broader market participation.
Nexroute: On-chain trading execution infrastructure designed to improve trading execution.
Nexroute is turning BNB Chain’s leading MEV expertise into DeFi execution infrastructure. By seeking to deliver competitive quotes on BSC, ranking as a leading solver across CoW Swap and OKX DEX Aggregator+, reducing toxic MEV, and returning extracted value to venues and chains, Nexroute is building toward a cleaner execution layer for on-chain markets.
Nxos: A stablecoin neobank for cross-border trade.
Nxos serves businesses that operate between traditional finance and crypto, from importers and exporters to Web3 companies paying fiat suppliers. Instead of forcing teams to manage separate bank accounts, OTC desks, and self-custodial wallets, Nxos brings fiat and stablecoins into one integrated account.
Primus: Confidential infrastructure for institutional on-chain finance.
Primus is building privacy infrastructure for institutional finance on public blockchains, enabling confidential, verifiable, and compliant activity. Rather than replacing existing rails, Primus adds privacy to them, beginning with Confidential Vault and expanding into payments, payroll, treasury, and other institutional workflows.
Roostoo: A qualification layer for AI trading agents.
Roostoo is building a reinforcement-learning agent factory with thousands of trained quant models across crypto perps, equities, commodities, and FX. Its live competition platform continuously qualifies some of the best agents, which can then be deployed into DEXs and vaults.
SmartX: Personalized social trading for on-chain markets.
SmartX makes on-chain social trading verified, personalized, and actionable through real-position verification, AI-matched signals, and one-tap execution. The larger opportunity is a trader economy where quality insights become monetizable and contributors can share in platform-funded rewards.
Spectrum: Crypto-to-fiat clearing for Web2’s transition to Web3.
Spectrum reduces the friction of moving from crypto to fiat through a 24/7 clearing core that routes crypto into native bank and card transfers. Built by TradFi veterans with more than 20 years of experience, the product is designed to bypass weekend bank shutdowns, seek more competitive FX rates, and reduce settlement delays and freeze risk.
Surgepay: India bill payments for the global diaspora.
Surgepay lets Indians abroad pay bills back home directly through WhatsApp, settling in rupees with a target settlement time of under two minutes at the mid-market rate on stablecoin rails. In one of the world’s largest remittance corridor, the team is building receiver-first infrastructure that goes beyond the bank account and all the way to the bill.
ViFi Labs: Decentralized Exchange for Emerging Market Currencies
ViFi is an onchain FX venue that makes it more capital-efficient for market makers to provide liquidity in emerging-market currencies like the Naira, Real and Peso. Payment companies and cross-border traders deposit USDC and swap at an oracle-anchored rate in seconds, with no pre-funding and seeking to minimize local-currency exposure.
xAPI: The API Marketplace for AI Agents
xAPI gives AI agents a single key to discover, pay for, and call APIs across the web. Agents can also publish APIs themselves, allowing the marketplace to grow autonomously without requiring a human in the loop.
XHunt: AI-native creator intelligence and opportunity infrastructure.
XHunt measures real creator influence and helps creators turn that influence into economic opportunity. As creator markets become more data-driven, the missing layer is not more vanity metrics, but intelligence that can identify contribution, distribution power, and monetizable opportunity.
XStable: AI-native infrastructure for on-chain gold and FX trading.
XStable brings leveraged gold and FX trading on-chain, combining global pricing, institutional liquidity, self-custody, and transparent settlement. According to XStable, the platform already processes more than $100 million in daily trading volume, using AI-native infrastructure for opportunity discovery, risk management, and execution.
Zerodrift: Agentic security infrastructure for enterprise software.
ZeroDrift is building agentic security infrastructure for software environments that change continuously. By embedding security engineers inside customer environments, the team turns expert judgment into code, specialized agents, and reusable workflows.
About YZi Labs
YZi Labs manages over $10 billion in assets globally. Our investment philosophy emphasizes impact first—we believe that meaningful returns will naturally follow. We invest in ventures at every stage, prioritizing those with solid fundamentals in Web3, AI, and biotech.
YZi Labs' portfolio covers over 300 projects from over 25 countries across six continents. Some notable portfolios include Trustwallet, CoinMarketCap, Polygon, Injective, Ethena, Safepal Wallet, Better Payment Network, Aster, XAI (SpaceX), and more. More than 65 of YZi Labs' portfolio companies have gone through our incubation programs. For more information, follow YZi Labs on X.
About EASY Residency
EASY Residency is YZi Labs' flagship global incubation program supporting early-stage, long-term founders across Web3, AI, and biotech. The program fosters a community where builders find peers, mentors, and investors who share their conviction.
Each season brings together a curated group of startups from around the world to live and build side by side, culminating in a high-profile Demo Day with leading investors and industry leaders.
Disclaimer
The information provided in this article is intended for informational purposes only and does not constitute investment, financial, legal or other professional advice, or an offer, solicitation or recommendation to buy, sell or hold any investment, security, digital asset or financial product. References to companies participating in EASY Residency, and descriptions of their products or services, should not be construed as an endorsement or recommendation by YZi Labs. Information regarding participating companies and their products, services, performance and other metrics has been provided by or is based on information from the relevant companies and has not been independently verified by YZi Labs. YZi Labs makes no representation or warranty as to the accuracy or completeness of such information, which is provided as of the date of publication and may be subject to change. The information should not be relied upon as a basis for any investment decision, and there can be no assurance that any company, product or strategy described will achieve any particular results. Certain statements may be forward-looking and are subject to risks and uncertainties, and actual results may differ materially. Digital assets, DeFi and other financial products involve significant risks and uncertainties, including the potential loss of principal. Products and services described herein may not be available in all jurisdictions or to all persons and may be subject to applicable legal and regulatory restrictions. All third-party names, logos and trademarks are the property of their respective owners.
