← Embedded Finance Index 2026/Vendor

Dolfin

Provider

Spend / AP Accounts Receivable

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 6 companies across 2 categories.

dolfinai.co ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗

CategoriesSpend / AP, Accounts Receivable
Rank#12 of 74 in Spend / AP
Buyers6 companies
HeadquartersLondon, United Kingdom
Founded2025
FoundersJames Regan (CEO), Christian Holmes (COO)

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Founders & story · from Dolfin’s own dossier

Dolfin is an embedded financial-operations API founded in 2025 by veterans of CurrencyCloud, TrueLayer, Codat, Monite, Fidel API and Crezco. Rather than sell yet another SMB finance tool, it packages agentic accounts-receivable, accounts-payable, expense and (soon) payroll workflows that vertical SaaS platforms, fintechs, PSPs and banks embed under their own brand. The thesis is that SMB platforms are becoming operating systems and the layer that owns invoicing, billing, reconciliation and payments will own the SMB financial stack.

Key signals

Agentic embedded finance supplier: receivables and payables agents white-labelled into neobanks, fintechs, PSPs and vertical SaaS — Dolfin is the product layer, with Stripe (card) and Yapily (pay-by-bank) as the rails underneath.
Not itself regulated: Terms state Dolfin is not a bank, payment institution or fiduciary; compliance obligations sit with the platform.
Accounting connectivity is bought, not built: Apideck (unified accounting API) behind the QuickBooks/Xero sync — publisher-reported, no public disclosure yet.

Recent developments

2026Payables Agent went live and Expense Management Agent entered private beta. source ↗
2026-08First customers disclosed as segments: 'one neobank and one fintech' in Dublin (founder LinkedIn post); names not published. source ↗
2026-07Public launch of Dolfin AI: white-label AI receivables agents (invoice creation by natural language, follow-ups, reconciliation) embedded in SMB platforms via API, SDK and MCP server. source ↗

Full dossier: Dolfin’s own stack, layer by layer →

Who uses Dolfin

6 companies disclose Dolfin in their stack

TreasuryPath Sciopay Edify Husk Seapoint Wayflyer

Buyer mix · 6 of 6 classified

Fintech / SMB banking · 2Fintech / Cross-border payments · 1Fintech / Lending · 1Infrastructure / Payments · 1Vertical SaaS / Education (NGO) · 1

EU · 3 US · 2 UK · 1

What the disclosures say

TreasuryPath

“The company is described by PitchBook as an 'operating system for global treasury management.' Dolfin (an AI-powered treasury/cash management analytics vendor) publicly lists TreasuryPath as a customer on dolfinai.co, suggesting TreasuryPath uses Dolfin's analytics layer within its own treasury operations or product.”

Sciopay

“Dolfin's homepage lists Sciopay in its 'Trusted by platforms serving SMBs' customer ticker (dolfinai.co, Sept 2026): embedded AI receivables/payables agents white-labelled into the platform.”

Edify

“Dolfin's homepage lists Edify in its 'Trusted by platforms serving SMBs' customer ticker (dolfinai.co, Sept 2026): embedded AI receivables/payables agents white-labelled into the platform.”

Husk

“Dolfin (dolfinai.co) publicly lists Husk as a customer on its own site, indicating Dolfin provides underlying banking or card infrastructure for Husk.”

Seapoint

“Dolfin's homepage lists Seapoint in its 'Trusted by platforms serving SMBs' customer ticker (dolfinai.co, Sept 2026): embedded AI receivables/payables agents white-labelled into the platform.”

Wayflyer

“Dolfin's homepage lists Wayflyer in its 'Trusted by platforms serving SMBs' customer ticker (dolfinai.co, Sept 2026): embedded AI receivables/payables agents white-labelled into the platform.”

The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Dolfin? Claim this profile above to unlock your own full list.

What Dolfin runs on · from its own dossier

The third-party providers Dolfin itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Dolfin.

Full dossier with evidence for each layer →

Alternatives to Dolfin

Other Spend / AP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

BILL40 buyers →Brex39 buyers →Ramp28 buyers →Tipalti19 buyers →Pleo16 buyers →Findity11 buyers →Melio10 buyers →Pliant9 buyers →

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Dolfin — frequently asked

Which companies use Dolfin?

6 companies disclose Dolfin in their stack in the Embedded Finance Index 2026, including TreasuryPath, Sciopay, Edify, Husk, Seapoint and Wayflyer.

What does Dolfin do?

Dolfin is an embedded-finance provider in Spend / AP and Accounts Receivable. It ranks #12 of 74 Spend / AP providers by disclosed buyers.

What are the alternatives to Dolfin?

The most-disclosed Spend / AP alternatives to Dolfin are BILL (40 buyers), Brex (39 buyers), Ramp (28 buyers), Tipalti (19 buyers), Pleo (16 buyers) and Findity (11 buyers).

Who founded Dolfin?

Dolfin was founded by James Regan (CEO) and Christian Holmes (COO) and is founded in 2025, headquartered in London, United Kingdom.

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