“Can an agentic financial-ops API layer become the default embedded finance backend that SMB platforms use to keep their customers from ever leaving for QuickBooks or Xero?”
Dolfin is an embedded financial-operations API founded in 2025 by veterans of CurrencyCloud, TrueLayer, Codat, Monite, Fidel API and Crezco. Rather than sell yet another SMB finance tool, it packages agentic accounts-receivable, accounts-payable, expense and (soon) payroll workflows that vertical SaaS platforms, fintechs, PSPs and banks embed under their own brand. The thesis is that SMB platforms are becoming operating systems and the layer that owns invoicing, billing, reconciliation and payments will own the SMB financial stack.
Dolfin processes payments through Stripe. Disclosed money-movement rails: SEPA.
Dolfin connects to bank accounts through Yapily.
Dolfin integrates with QuickBooks and Xero.
The Embedded Finance Index 2026 maps 5 layers in Dolfin's stack: Payments / PSP (Stripe); Money movement (SEPA); Open banking (Yapily); Unified APIs (Apideck); Accounting (QuickBooks and Xero).
Dolfin was founded by James Regan (CEO) and Christian Holmes (COO) and is founded in 2025, headquartered in London, United Kingdom.
Get a read on where your own stack stands against Dolfin 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.