Moss
“Can a European corporate card company become the full-stack spend management and financial control OS for SMBs?”
Founded2019
HQBerlin, Germany
IndustryHorizontal SaaS / Spend Management
The story
Founded in 2019, Moss launched as a corporate card and expense management platform targeting European SMBs. The company has progressively expanded beyond cards into a full spend management suite covering accounts payable, reimbursements, purchase controls, and AI-powered accounting. Moss has embedded FX/cross-border payments via Airwallex and leveraged Klarna Kosma's open banking rails for European expansion, positioning itself as a unified financial control layer for finance teams at 7,000+ companies.
Last 12 months
Product timeline
2019
Moss founded in Berlin as a corporate spend management platform for SMBs, offering corporate cards and expense management.· card
2023
Secured €50M debt funding facility from HSBC Innovation Banking UK to support lending/credit capabilities.· lending
2023
Partnered with Klarna Kosma to leverage open banking for European expansion.· banking
2024
Integrated Airwallex infrastructure to power global bank transfers as part of 'Pay with Moss' service, enabling cross-border payments to 150+ countries.· pivot
2025
Launched AI-powered Pre-Accounting Agent for automated expense coding and ERP sync, expanding platform to 40+ integrations.· pivot
The stack
6 layers disclosed in Moss’s embedded-finance stack
Banking / BaaS
Transact Payments Malta Limited
Card issuing
in the full report
Open banking
in the full report
Unified APIs
in the full report
FX & payouts
in the full report
Accounting
in the full report
Accounting gap: minor
9 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.