“Can a free, vertically integrated financial platform become the default financial OS for independent landlords by embedding banking, payments, and insurance into property management workflows?”
Founded in 2019, Azibo positioned itself as a free financial OS for independent landlords and small rental property owners, layering rent collection, banking, insurance, and accounting onto a single platform. Unlike horizontal SMB banking tools, Azibo built real estate-specific workflows (property-level accounting, lease management, tenant screening) and embedded financial services on top. The company leveraged Treasury Prime for BaaS banking infrastructure and Stripe for payments, enabling it to offer checking accounts, ACH rent collection, and card issuing without becoming a chartered bank. By 2022, it was building toward the full rental property ecosystem — covering landlords, tenants, property managers, and vendors — with insurance embedded via third-party carriers.
Azibo discloses Treasury Prime as its banking provider, according to the Embedded Finance Index 2026.
Azibo does not disclose a bank charter of its own; its banking services are provided through Treasury Prime.
Azibo processes payments through Stripe. Disclosed money-movement rails: ACH.
The Embedded Finance Index 2026 maps 4 layers in Azibo's stack: Payments / PSP (Stripe); Money movement (ACH); Banking / BaaS (Treasury Prime); Lending (Rent installment plan).
Azibo was founded by Gregor Watson, Chris Hsu and Rob Bloemker and is founded in 2019, headquartered in Reno, Nevada, USA.
Azibo has raised $29.5M in total (latest round: Series A, January 2022).
Get a read on where your own stack stands against Azibo 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.