← Embedded Finance Index 2026

Trovata

“Can a bank-API aggregation layer become the universal AI- and stablecoin-native operating system for corporate treasury?”

Founded2016
HQSan Diego, California, United States
Latest roundSeries B, 2022
IndustryHorizontal SaaS / Treasury Management

The story

Founded 2016 in San Diego, Trovata built a multi-bank API aggregation layer to replace legacy TMS and bank portals for corporate finance teams. Grew from US-only cash reporting into a full TMS, expanding to UK/EU in 2022 with open banking and Pay-by-Bank rails. Currently pivoting toward an AI- and stablecoin-native 'programmable liquidity' platform with agentic workflows on top of its bank connectivity layer.

Last 12 months

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Product timeline

2019

Market launch of cash management platform in the US· banking

2022

Series B $27M; opened London and Amsterdam offices for UK/EU expansion· banking

2022

Hired open banking executives to expand into Pay by Bank and EU multi-bank aggregation· banking

2023

Partnered with Jiko to offer T-bill investment access to corporate treasurers· banking

2025

Launched Trovata AI 2.0 and announced Stablecoin product for digital treasury· pivot

The stack

6 layers disclosed in Trovata’s embedded-finance stack

Payments / PSP

Stripe

Money movement

in the full report

Investing

in the full report

Accounting

in the full report

Treasury

in the full report

Transaction enrichment

in the full report

Accounting gap: minor

6 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Trovata — frequently asked

Who is Trovata's payment processor?

Trovata processes payments through Stripe. Disclosed money-movement rails: SWIFT.

Who powers Trovata's investing products?

Trovata's investing and wealth products are powered by Jiko.

Which accounting software does Trovata integrate with?

Trovata integrates with ERP general ledger integrations.

What is Trovata's embedded finance stack?

The Embedded Finance Index 2026 maps 6 layers in Trovata's stack: Payments / PSP (Stripe); Money movement (SWIFT); Investing (Jiko); Accounting (ERP general ledger integrations); Treasury (Trovata TMS (in-house) and Jiko (T-Bills)); Transaction enrichment (Trovata (self-operated)).

Where is Trovata headquartered?

Trovata is founded in 2016 and headquartered in San Diego, California, United States.

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