← State of Embedded Finance 2026

Aaniie

Can a home care workforce management platform become the all-in-one financial and operational OS for care agencies by embedding payments, payroll, and billing natively?

HQEau Claire, WI, USA
IndustryVertical SaaS / Healthcare
The story

Aaniie (formerly operating as Smartcare Software Inc.) is a vertical SaaS platform serving home care, senior living, and childcare agencies. Originally focused on caregiver workforce management and scheduling, Aaniie has expanded its embedded finance footprint significantly — launching Aaniie Payments in mid-2025 (embedded ACH and credit card processing) and Aaniie Payroll in early 2026 (powered by Salsa) to become a more complete financial operating system for care-in-the-home agencies. The platform's thesis is consolidating scheduling, billing, payroll, and payments into a single all-in-one solution, eliminating disconnected third-party tools.

Last 12 months
2025-06
2026-01
Product timeline
2025
Launched Aaniie Payments, an embedded credit card and ACH payment processing solution built directly into the Aaniie Care platform.· payments
2026
Launched Aaniie Payroll, a fully embedded payroll solution powered by Salsa, designed specifically for home care agencies.· payroll
The stack
Payments / PSP
Aaniie Payments (self-operated)
Payroll
Salsa
Accounting gap: significant