BOBNot yet claimed

About BOB

BOB is a Miami-based financial technology company — legally BOB AI Holdings Corp. — building an AI finance employee for small businesses without a finance department. Instead of giving owners another dashboard to learn, BOB does the work through conversations in the channels they already use: WhatsApp, text message, Slack, Microsoft Teams, email and its own app. It keeps the books, sends invoices, accepts payments, holds funds in a deposit account and shows owners where their cash is headed. The company states owners keep final say over communications, money movement and reconciliations, and that the agent plugs into the accounting, invoicing and estimating tools a business runs. BOB itself is a financial technology company, not a bank — a distinction its own announcement makes.

BOB launched in private beta in September 2026, aimed first at Main Street businesses such as roofing firms, restaurants and local services companies. Coverage of the seed round reported about 500 businesses signed up and using the service free of charge, and a team of 10 people, all in the Miami area (both company-stated). The US$5.5 million seed, led by Mischief with Karman Ventures among the participants, is earmarked for deeper financial capabilities, scaling customer onboarding and growing the Miami team. Longer term, the company says it wants to build a banking platform for a world of AI agents, starting with small business owners.

Products & services

• AI finance employee — conversational agent that handles bookkeeping, invoicing, payments and cash flow through WhatsApp, text message, Slack, Microsoft Teams, email and the BOB app.
• Bookkeeping and invoicing — maintains financial records, sends invoices and accepts payments for the business.
• Banking and deposit account — holds funds in a deposit account as part of a finance platform for small businesses; BOB is a financial technology company, not a bank.
• Owner controls and integrations — owner has final say on communications, money movement and reconciliations, and the agent connects to existing accounting, invoicing and estimating tools (per the company).

Why BOB is listed: Most small-business finance software assumes an owner with time to run a dashboard; BOB’s bet is the opposite — finance help delivered as a conversation inside WhatsApp or Slack, free while it onboards its first cohort, aimed at the roofing, restaurant and local-services firms that enterprise fintech rarely designs for. Its October 2026 seed was led by a venture firm built around financial infrastructure, so its next distribution and banking-partner choices are a live question for the US small-business platforms and lenders watching the agent-banking category take shape.

How AI assistants describe BOB today

Questions partners ask

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Last verified	31 October 2026 — facts on this profile were checked against the sources listed below. Profiles are re-checked on a published 90-day cycle; this date is never quietly refreshed.

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3 questions to ask this company

1. BOB is not a bank but holds funds in a deposit account — which partner bank holds those deposits, and how are customer funds protected if BOB itself fails?
2. About 500 businesses signed up during the private beta and use the service free (company-stated) — how many are active each week, and what will the service cost when free onboarding ends?
3. Owners keep final say over money movement and reconciliations — which actions can BOB execute without approval, and what dollar thresholds trigger a request?

Sources & verification

• https://joinbob.ai/ — company site (conversational finance agent, channels, owner final-say controls, integrations with existing accounting, invoicing and estimating tools). Checked 31 Oct 2026.
• https://www.wcia.com/business/press-releases/cision/20261023FL79872/miami-startup-bob-raises-5-5m-to-build-an-ai-powered-banking-platform/ — company seed announcement via PR Newswire, 23 Oct 2026 (US$5.5M seed led by Mischief, product scope, September 2026 private beta, not-a-bank disclaimer). Checked 31 Oct 2026.
• https://refreshmiami.com/news/miami-startup-bob-raises-5-5m-to-build-ai-powered-finance-employee/ — seed coverage and interview, Oct 2026 (about 500 sign-ups, free during beta and 10-person Miami team as company-stated; target Main Street sectors). Checked 31 Oct 2026.
• https://pulse2.com/bob-raises-5-5-million-seed-round-to-expand-ai-finance-and-banking-platform-for-small-businesses/ — seed coverage, Oct 2026 (product functions, channels, target businesses, not-a-bank status). Checked 31 Oct 2026.

Facts last verified: 31 October 2026. Something wrong? A listed company can request a correction or removal at any time; verified requests are actioned.

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