Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 1 company across 1 category.
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Founded in 2019 as 'Expense Robot' in Zurich, Yokoy quickly evolved into a broader AI-powered spend management suite covering expense management, invoice management, and corporate cards under the 'Yokoy Pay' brand. After rapid growth funded by Sequoia and Balderton, the company was acquired by / merged into Perk, which now operates the platform as an integrated travel, spend, and events management suite. The embedded finance angle centers on the Perk Card (Visa corporate debit) powered by Modulr for e-money accounts and Transact Payments Malta Limited for card issuing — enabling Yokoy/Perk to offer physical and virtual corporate cards directly within the spend management workflow without holding a banking license itself.
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.
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<img src="https://www.embeddedfinanceindex.com/api/badge/yokoy/install" width="1" height="1" alt="" style="display:none">1 company is linked to Yokoy in the Embedded Finance Index 2026, through their own public disclosures or Yokoy's published customer list, including Erste.
Yokoy is an embedded-finance provider in Spend / AP. It ranks #73 of 74 Spend / AP providers by linked companies.
The most-named Spend / AP alternatives to Yokoy are BILL (40 buyers), Brex (38 buyers), Ramp (27 buyers), Tipalti (19 buyers), Pleo (14 buyers) and findity (11 buyers).
Yokoy was founded by Philippe Sahli and is founded in 2019, headquartered in Zurich, Switzerland.
Yokoy has raised $107M+ in total.
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