← Embedded Finance Index 2026

OJO

“Can OJO leverage its AI heritage in real estate to build a unified, AI-native business operating system for SMBs?”

Founded2015
HQAustin, TX, USA
Total raised$71.5M+
Latest roundSeries D (undisclosed stage), 2020
IndustryVertical SaaS / Real Estate

The story

Founded in 2015, OJO Labs started as an AI-powered conversational assistant helping homebuyers and sellers navigate real estate decisions through natural language interactions. The company expanded via acquisition (Movoto) to become a more comprehensive real estate platform combining search, personalized recommendations, and financing guidance. OJO was ultimately acquired/merged, and now also appears to operate an AI-native business operating system (payments.ojo.io) targeting SMBs with unified Sales, Projects, HR, and Finance modules — a significant product pivot beyond its original real estate focus.

Last 12 months

—

Product timeline

2015

OJO Labs founded in Austin, TX as an AI-powered virtual real estate assistant leveraging natural language conversations to guide homebuyers and sellers.· pivot

2019

Raised $45M Series C to expand its AI-driven home buying and selling platform.· banking

2020

Raised $62.5M led by Wafra and acquired Movoto, expanding into real estate search and marketplace.· acquisition

The stack

1 layer disclosed in OJO’s embedded-finance stack

Banking / BaaS

nbkc bank

Accounting gap: none

OJO — frequently asked

What bank does OJO use?

OJO discloses nbkc bank as its banking provider, according to the Embedded Finance Index 2026.

Is OJO a bank?

OJO does not disclose a bank charter of its own; its banking services are provided through nbkc bank.

Where is OJO headquartered?

OJO is founded in 2015 and headquartered in Austin, TX, USA.

How much funding has OJO raised?

OJO has raised $71.5M+ in total (latest round: Series D (undisclosed stage), 2020).

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against OJO 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.

Your category, mappedHow your stack compares to OJO and the other companies in its category.
Build vs. buyWhere a provider relationship would close a gap faster than building it.
A named analyst, not a form replyA short call to scope what's actually worth assessing for you.