“Can an agentic AI layer sitting on top of regulated payment rails become the default AR and credit-control stack for UK SMBs and their accountants?”
Adfin was founded in 2025 by Tom Pope (previously commercial leadership at Tink and payments) and Ciprian Diaconasu (founding engineer at Mambu) to build an agentic AR / credit-control platform for UK SMBs and accountants. Rather than becoming a regulated payment institution itself, Adfin operates as an orchestration layer on top of FCA-regulated partners (Adyen, Stripe, Tink), focusing on invoice distribution, direct-debit mandate management, multi-channel chasing (email/SMS/WhatsApp) and AI-driven credit-control automation. The 2026 Series A signals a stated ambition to broaden beyond collections into end-to-end automated money movement for SMBs.
Adfin processes payments through Adyen, Stripe, Tink, checkout.com, checkout and worldpay.
Adfin's cards run on Visa, Mastercard and American Express.
Adfin's lending and capital products are provided by mambu.
Adfin connects to bank accounts through Tink.
Adfin uses Taktile for fraud prevention.
Adfin integrates with Xero, QuickBooks, Sage and FreeAgent.
The Embedded Finance Index 2026 maps 7 layers in Adfin's stack: Payments / PSP (Adyen, Stripe, Tink, checkout.com and 2 others); Card network (Visa, Mastercard and American Express); Lending (mambu and Invoice financing (coming soon via partner)); Open banking (Tink); Accounting (Xero, QuickBooks, Sage and FreeAgent); Accounts Receivable (Adfin (self-operated)); Fraud (Taktile).
Adfin was founded by Tom Pope and Ciprian Diaconasu and is founded in 2025, headquartered in London, UK.
Adfin has raised $30M+ in total (latest round: Series A, 2026).
Get a read on where your own stack stands against Adfin and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.