Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 32 companies across 1 category.
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Codat began as a universal SMB accounting/commerce/banking API aggregator serving fintech and lending platforms (Capital on Tap, Wayflyer). By 2024, the company pivoted upstream to commercial banks — launching Spend Insights with J.P. Morgan to help banks identify cardable supplier spend. As of 2026, the homepage positions Codat as 'the banking infrastructure that lets you serve every account like it's your best' and 'advisory intelligence for commercial banking,' with the fintech Connect product a secondary offering.
Other Unified Accounting providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #2 of 16 in Unified Accounting — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/codat/install" width="1" height="1" alt="" style="display:none">32 companies are linked to Codat in the Embedded Finance Index 2026, through their own public disclosures or Codat's published customer list, including Zoho, Zenoti, Lightspeed, Ebury, Microsoft Dynamics 365, Exact, Kashflow, Ncino, OakNorth, Sage Intacct and 2 others.
Codat is an embedded-finance provider in Unified Accounting. It ranks #2 of 16 Unified Accounting providers by linked companies.
The most-named Unified Accounting alternatives to Codat are Apideck (60 buyers), Rutter (32 buyers), Nango (6 buyers), Merge (3 buyers), Omniboost (2 buyers) and Pennylane (2 buyers).
Codat is founded in 2017 and headquartered in London, UK.
Codat has raised $100M+ in total.
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