Shantanu Joshi is a Co-Founder of Lume, a banking app for nurses offering earned-wage access, student-loan and debt refinancing, and travel-nurse job recommendations. He co-founded Lume with Christopher Chang, and Vivian Health acquired Lume's technology in 2022. Joshi has also founded several other startups, including the last-mile delivery platform Tortoise AI and the ML-deployment tool Vapor.ai, and since 2026 has been building Sourdough Tax, which helps independent contractors keep more of what they earn.