At Final, we are re-building the credit card from the ground up. Final is issuing a credit card that gives consumers total control over their merchant relationships, transparency in their spending, and piece of mind across all payment experiences.
Final is a Y Combinator company in the Winter 2015 batch. Its directory entry describes it as: A credit card that drastically reduces payment fraud and gives…. The founder listed is Matt Rothstein (Founder/CTO) (Y Combinator directory entry, November 11, 2014).
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New accelerator entry · 2014-11-11 · the record
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At Final, we are re-building the credit card from the ground up. Final is issuing a credit card that gives consumers total control over their merchant relationships, transparency in their spending, and piece of mind across all payment experiences. Rather than a single, 16-digit card number, Final generates multiple card numbers and manages them automatically. It works everywhere you buy; online, and offline, and integrates with digital wallets like Google Wallet and ApplePay with zero updates to the payment infrastructure. Bottom line - with Final, you’ll never lose access to your spending ability from a breach, fraud, cancelled or stolen card ever again.
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Example from a real report (our sample on Target): “The Q2 2026 earnings report, published August 19, 2026, showed adjusted EPS of $2.46 against an expected $2.33” Source: CNBC
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