언론 및 출판
YPA Finance 팀의 미디어 보도, 인터뷰 및 기술 기고.
About YPA-FINANCE
YPA-FINANCE is a free, multilingual personal finance app that helps people understand and manage money in 13 languages. Built for immigrants, newcomers, and anyone underserved by English-only fintech, it combines budgeting, a credit-card debt payoff calculator, cash-flow forecasting, and AI document scanning with plain-language guidance from AI assistants.
YPA-FINANCE is available free on iOS and Android. It is operated by YPA Group Inc., a Delaware-registered company that operates from New York, founded in 2024.
Fast facts
- What it is
- Free multilingual personal finance app
- Languages
- 13 — English, Spanish, Chinese, Arabic, Russian, Ukrainian, French, Portuguese, Polish, Hebrew, Korean, Vietnamese, Filipino
- Platforms
- iOS and Android
- Price
- Free (optional PRO subscription)
- Company
- YPA Group Inc.
- Incorporated
- Delaware, USA
- Operations
- New York, NY, USA
- Founded
- 2024
- Built for
- Immigrants, women managing household finances, and older adults new to digital banking
- Security
- Google Cloud, zero-trust architecture, AES-256 at rest, TLS 1.3 in transit; SOC 2 in progress
- Bank & credit data
- Plaid (read-only OAuth); Equifax via Array
Founders
Olga Burninova
Founder & CEO
An immigrant herself, Olga founded YPA-FINANCE after navigating the US financial system firsthand — the credit-history gap, hidden debt traps, and language barriers newcomers face.
LinkedInVictoria Mitelman
Co-founder & CPO
Leads product and user experience at YPA-FINANCE, shaping how the app turns complex financial concepts into plain-language guidance across 13 languages.
LinkedInSvetlana Burninova
Co-founder & CTO
15 years in financial systems and 7 in infrastructure engineering (AWS, CKA/CKAD, Terraform). Leads the bank-grade, zero-trust platform behind the app.
LinkedInBrand assets
In the media
We Built Bank-Grade Security for Immigrants — Here's What Broke First
Building bank-grade security for a multilingual fintech platform sounds straightforward — until it isn't. A candid breakdown of what failed first, what we underestimated, and what we fixed.
We Thought Zero Trust Would Take 3 Months — Six Months In, We're Still Migrating
An honest account of migrating a fintech platform to zero-trust architecture — the underestimated complexity, the surprises along the way, and what we'd do differently.
From Financial Systems to AI Infrastructure: How Svetlana Burninova Is Engineering Financial Clarity at Scale
An in-depth interview on building bank-grade AI infrastructure for underserved communities, the engineering philosophy behind YPA Finance, and why financial confusion is a design flaw, not a personal failing.
What I Review in Every Security Audit as a Fintech CTO
Seven critical areas every fintech security audit must cover — IAM hygiene, secrets management, network segmentation, CMEK encryption, alert fatigue, dependency scanning, and compliance documentation.
What I Wish Someone Had Told Me About Money Before I Moved to America
A first-person account of navigating the US financial system as an immigrant — the credit history gap, debt traps hidden in minimum payments, and language barriers that keep newcomers from building financial stability. The story behind YPA Finance.