Title: Hi HN! We’re Ted and Thomas from Bend (YC S22). Today we’re launching a modern corporate card built for climate-friendly business.<p>Just by shifting some of your company spending to Bend, you’ll be helping to reduce climate-changing emissions, thanks to the carbon removal rewards you’ll automatically earn, and our embedded climate analytics. But we know that signing up for a new financial service can take some upfront effort, so we wanted to sweeten the deal — create an account today (Friday Apr 21), and we’ll deposit a *$100 gift* in your account to start spending immediately — see the site for details.<p>How it works:<p>- Bend is a modern card and cash account, combined with free carbon accounting and climate rewards<p>- Bend works similarly to how you’d use a business bank account. Send and receive ACH and wires, earn 3% yield on deposits, issue physical and virtual cards with budgets, etc.<p>- Carbon accounting typically runs companies $40k&#x2F;year and up. We make money off the card interchange (same as any bank), enabling us to offer the carbon accounting for free, and pass through carbon removal rewards.<p>- The way we actually do the carbon accounting is laid out here — we always return a confidence score with every CO2e assessment: <a href="https:&#x2F;&#x2F;usebend.com&#x2F;how-it-works">https:&#x2F;&#x2F;usebend.com&#x2F;how-it-works</a><p>- We have awesome customers like Harmonic AI <a href="https:&#x2F;&#x2F;bend.green&#x2F;harmonic" rel="nofollow">https:&#x2F;&#x2F;bend.green&#x2F;harmonic</a> and Fathom <a href="https:&#x2F;&#x2F;bend.green&#x2F;fathom" rel="nofollow">https:&#x2F;&#x2F;bend.green&#x2F;fathom</a>. If you choose, you can create a report of your climate action through Bend like these ones, which you can share with customers, employees, investors, etc.<p>Why tracking and reducing climate-changing emissions is worthwhile:<p>- It’s good for the planet (and free!)<p>- It will help you sell your products to B2C customers who care about the climate, and B2B customers who have set net zero goals (64% of global market cap companies now report on climate data, and are increasingly asking their suppliers to do the same)<p>Our stack:<p>- Rust back end<p>- NextJS front end<p>- Hosted on Vercel<p>- Database from PlanetScale<p>- Card issuing and treasury powered by Stripe and partner banks<p>- Charts with Visx<p>How we got here:<p>We launched Bend last summer as an API <a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=32166140" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=32166140</a>. We’re now launching cards directly, because we’re able to offer the functionality for free, and it’s easier for startups to try it out. Prior to Bend, Thomas and I worked at Abacus, where I was one of the co-founders <a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=7219025" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=7219025</a> — our background is in fintech, and our goal is to layer in climate insights on top of your financial stack.<p>We’d love it if you tried Bend out!
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