“Can a medspa-focused vertical SaaS become the full financial and operational OS for the aesthetic healthcare industry by embedding payroll, banking, lending, and payments directly into its workflow platform?”
Founded in 2022 by Dan Friedman (who previously founded edtech company Thinkful), Moxie launched as a 'business-in-a-box' for nurses and clinicians opening medspas — combining compliance coaching, supply sourcing, and EHR/POS software into a single platform. Over 2023-2024, Moxie aggressively expanded its embedded finance stack, adding payroll (via Check), banking (via Stripe Treasury), and financing (Moxie Capital) to become the financial and operational OS for the aesthetic practice industry. The company's strategic arc mirrors vertical SaaS playbooks: own the workflow, then monetize via embedded financial services.
Moxie discloses Stripe Treasury as its banking provider, according to the Embedded Finance Index 2026.
Moxie does not disclose a bank charter of its own; its banking services are provided through Stripe Treasury.
Moxie runs its ledger on Layerfi.
Moxie uses Stripe and PayPal for FX and cross-border payouts.
Moxie's payroll is powered by Check.
Moxie integrates with QuickBooks Online.
The Embedded Finance Index 2026 maps 8 layers in Moxie's stack: Payments / PSP (Stripe and PayPal); Banking / BaaS (Stripe Treasury); Ledger (Layerfi); Lending (Moxie Capital (financing + coaching for aesthetic practices), working capital and flexible financing); Payroll (Check); FX & payouts (Stripe and PayPal); Accounting (QuickBooks Online); Treasury (Stripe Treasury).
Moxie was founded by Dan Friedman and is founded in 2022, headquartered in Brooklyn, New York, NY.
Moxie has raised $25M+ (Series C noted as latest deal, plus prior rounds) in total (latest round: Series C).
Get a read on where your own stack stands against Moxie 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.