Chift
“Can a European-native unified API for financial data become the default integration layer for both SaaS vendors and AI agents across the fragmented EU accounting/POS/PMS software landscape?”
Founded2022
HQBrussels, Belgium
FoundersGauthier Henroz, Matthieu Hertoghe, Henry Hertoghe
Total raised$3.2M
Latest roundSeed (€2.3M)
IndustryInfrastructure / Unified API (Financial Data)
The story
Chift launched in 2022 as a Belgian 'unified API for financial data' — a European counterpart to Codat/Rutter/Merge focused on accounting, POS, ecommerce, invoicing, payments, and PMS connectors. Its wedge is deep European coverage (Pennylane, Exact, DATEV, Odoo, Sage 200 ES, a3ERP, Tripletex, Zelty, Planity, Lightspeed) that US-centric competitors lack. In 2026 it repositioned around the AI era, launching Chift for AI / MCP server so agentic products can act on financial systems through one integration.
Product timeline
2022
Founded in Brussels by Gauthier Henroz, Matthieu Hertoghe, and Henry Hertoghe to solve integration complexity for SMEs via a Unified API for financial data.· founding
2024
Raised €2.3M seed round to expand across Europe.· funding
2025
Expanded into Spain, adding Spanish accounting/POS connectors (a3ERP, Sage 200 ES).· expansion
2025
Achieved ISO 27001 certification.· compliance
2026
Launched Chift for AI (MCP server) enabling AI agents to interact with 100+ financial software integrations.· product
The stack
6 layers disclosed in Chift’s embedded-finance stack
Banking / BaaS
Card network
in the full report
Lending
in the full report
Open banking
in the full report
Unified APIs
in the full report
Accounting
in the full report
Accounting gap: none
16 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.