← Embedded Finance Index 2026

Klear

“Can a Capital Intelligence platform combining invoice financing, cash management, and FX become the financial OS for US industrial supply chains?”

Founded2015
HQSan Francisco, CA, USA
Latest roundCrowdfunding
IndustryFintech / SMB banking
The story

Founded in 2015 as Kountable, the company originally targeted large-scale project financing in underserved communities for NGOs and governments. It rebranded to Klear and pivoted to serve US-based growing manufacturers and supply chain companies, building a 'Capital Intelligence' platform combining invoice financing, PO financing, cash management, and FX. The embedded finance stack — Stripe for money transmission, Fifth Third Bank for deposit accounts, Monex for FX, and Allianz Trade for credit risk — positions Klear as a full working-capital OS for mid-market industrial companies rather than a standalone lender.

Last 12 months
2026-04-14
2026-01
Product timeline
2015
Founded as Kountable, focused on supply chain finance and procurement for underserved markets including NGOs, governments, and corporates.· pivot
2021
Rebranded to Klear and pivoted to focus on working capital, cash management, and Capital Intelligence for US-based growing manufacturers and suppliers.· pivot
2023
Launched Klear Account, a commercial cash management account with cashback (up to 3%) backed by Fifth Third Bank via Stripe Payments Company.· banking
2025
Announced partnership with Allianz Trade to deliver de-risked working capital at scale for supply chain customers.· lending
2026
Launched KlearFX, an integrated FX and cross-border payments capability powered by Monex in the US, enabling payments in 130+ currencies.· banking
The stack
7 layers disclosed in Klear’s embedded-finance stack
Payments / PSP
Stripeastra
Money movement
in the full report
Banking / BaaS
in the full report
Lending
in the full report
Insurance
in the full report
Sponsor bank
in the full report
FX & payouts
in the full report
Accounting gap: significant
9 more providers across 6 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.