“Can AI-driven bookkeeping for self-employed businesses become a full-stack financial OS by embedding banking, tax, and invoicing directly into the accounting workflow?”
Kick started as a self-driving bookkeeping company targeting self-employed individuals and sole proprietors, automating transaction categorization and tax deduction identification. The Crunchbase description references a 'social banking platform to crowdsource tax deductions and cashback,' suggesting an early ambition toward embedded banking. With $20M raised and Blue Ridge Bank listed as a partner, Kick appears to be building toward an integrated accounting-plus-banking product, positioning itself between pure bookkeeping tools (Wave, FreshBooks) and full-stack SMB banking platforms.
Kick discloses Blue Ridge Bank as its banking provider, according to the Embedded Finance Index 2026.
Kick does not disclose a bank charter of its own; its banking services are provided through Blue Ridge Bank.
Kick processes payments through Stripe.
Kick integrates with Stripe.
The Embedded Finance Index 2026 maps 3 layers in Kick's stack: Payments / PSP (Stripe); Banking / BaaS (Blue Ridge Bank); Accounting (Stripe).
Kick is headquartered in Palo Alto, California, USA.
Kick has raised $20M in total (latest round: Seed).
Get a read on where your own stack stands against Kick 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.