Ryan Elliott is Co-Founder at ZeroSettle, a Y Combinator W26-backed mobile SDK that enables iOS app developers to bypass Apple's 30% App Store fee through direct billing infrastructure.

Ryan brings a background in fintech and payments, channeling deep expertise in mobile commerce and developer tooling into building compliance-first payment solutions for the iOS ecosystem.

Ryan identified a critical gap in the iOS monetization landscape following regulatory shifts that opened the door for alternative in-app billing, positioning ZeroSettle at the forefront of this opportunity.

ZeroSettle is part of Y Combinator's Winter 2026 batch, backed by YC partner Brad Flora, and operates in the Payments and Fintech sector serving iOS developers globally.

ZeroSettle's SDK takes just 15 minutes to integrate and reduces App Store fees from 30% to 5% plus 50 cents, unlocking higher retention, improved conversion, and instant payouts for developers.