“Can a vertical fintech stack built exclusively for vacation rental property managers replace fragmented bookkeeping, card, and banking tools with a single AI-powered financial OS?”
Founded in 2022 as Hostfi, a financial management tool for short-term rental hosts focused on expense tracking and bookkeeping. The company rebranded to Accountable and expanded its product suite to include commercial Visa credit cards, AI-powered bill pay, automated Schedule E tax prep, and property-level expense matching — positioning itself as the financial OS for vacation rental property managers. The embedded finance stack (Stripe, Celtic Bank, Fifth Third Bank, Plaid, Evolve Bank & Trust) reflects a deliberate move from pure SaaS toward embedded banking and card products.
Hostfi discloses Stripe Treasury as its banking provider, with Celtic Bank, Fifth Third Bank, N.A. and Evolve Bank & Trust as its sponsor banks, according to the Embedded Finance Index 2026.
Hostfi does not disclose a bank charter of its own; its banking services are provided through Celtic Bank, Fifth Third Bank, N.A. and Evolve Bank & Trust.
Hostfi processes payments through Stripe.
Hostfi's cards are issued through Stripe Issuing on the Visa network.
Hostfi connects to bank accounts through Plaid.
The Embedded Finance Index 2026 maps 6 layers in Hostfi's stack: Payments / PSP (Stripe); Banking / BaaS (Stripe Treasury); Card issuing (Stripe Issuing); Card network (Visa); Open banking (Plaid); Sponsor bank (Celtic Bank, Fifth Third Bank, N.A. and Evolve Bank & Trust).
Hostfi was founded by Avi Singh and Shaan Franchi and is founded in 2022, headquartered in San Francisco, CA, USA.
Hostfi has raised undisclosed in total (latest round: Pre-Seed, August 2022).
Get a read on where your own stack stands against Hostfi 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.