Kombo
Also a provider — view Kombo’s profile →“Can a Europe-born unified API become the interoperability layer for the AI-era workforce stack — HR, payroll, ATS, LMS, and beyond?”
Founded2022
HQBerlin, Germany (with New York office)
FoundersAlexander Kübel
Total raised$30M
Latest roundSeries A, 2026
IndustryInfrastructure / Unified API (HR & Payroll)
The story
Founded 2022 in Berlin as a European-focused unified API for HR, payroll, ATS, and LMS integrations — competing with US-based Merge and Finch by going deeper on the future-of-work vertical. Expanded into the US via a Delaware LLC and NYC office. In 2026 raised a $25M Series A from Volition Capital and pushed into AI-native workflows (AI Apply, browser-agent integrations), positioning interoperability as the defining problem of the AI-era workforce stack.
Product timeline
2022
Kombo founded in Berlin to build a unified API for HR, payroll, ATS, and LMS systems.· pivot
2024
Expanded into US market with a New York office (Kombo Technologies LLC as US contracting entity).· pivot
2026
Raised $25M Series A led by Volition Capital, bringing total funding to $30M.· acquisition
2026
Launched AI Apply (browser-agent recruiting product) with dedicated AI Apply Addendum invoking OpenAI as sub-processor.· pivot
The stack
4 layers disclosed in Kombo’s embedded-finance stack
Payments / PSP
Banking / BaaS
in the full report
Card issuing
in the full report
Unified APIs
in the full report
Accounting gap: none
4 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.