← Embedded Finance Index 2026

Moco

Can a German-built agency operating system win the DACH professional-services SaaS market on the back of GDPR/FADP compliance?

HQGermany/Switzerland (DACH)
IndustryVertical SaaS / Agencies
The story

MOCO is a SaaS agency-management product operated by hundertzehn GmbH, focused on time tracking, project management, invoicing and reporting for service-based businesses in the DACH region. It is not a fintech — it has no embedded banking, lending, or payments layer of its own, and limits embedded-finance touchpoints to a Stripe integration (for subscription billing) exposed via Zapier.

Last 12 months
The stack
0 layers disclosed in Moco’s embedded-finance stack
Accounting gap: none