“Can a Capital Intelligence platform combining invoice financing, cash management, and FX become the financial OS for US industrial supply chains?”
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.
Klear discloses Stripe as its banking provider, with Fifth Third Bank, N.A. as its sponsor bank, according to the Embedded Finance Index 2026.
Klear does not disclose a bank charter of its own; its banking services are provided through Fifth Third Bank, N.A..
Klear processes payments through Stripe and astra. Disclosed money-movement rails: Wire.
Klear's lending and capital products are provided by Allianz Trade.
Klear uses Monex for FX and cross-border payouts.
Klear's embedded insurance is provided by Allianz Trade.
The Embedded Finance Index 2026 maps 7 layers in Klear's stack: Payments / PSP (Stripe and astra); Money movement (Wire); Banking / BaaS (Stripe); Lending (Allianz Trade, Invoice financing, Purchase order financing and KlearCatalyst (AI-powered receivables acceleration)); Insurance (Allianz Trade); Sponsor bank (Fifth Third Bank, N.A.); FX & payouts (Monex).
Klear is founded in 2015 and headquartered in San Francisco, CA, USA.
Get a read on where your own stack stands against Klear 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.