Company Directory › Fintech Infrastructure › CapitalOS
Profile not yet claimed. This profile was compiled by GlobleMatch from public sources on 31 October 2026. It has not been reviewed or endorsed by CapitalOS, and a listing does not imply a partnership with GlobleMatch. If you represent CapitalOS, you can claim this profile to verify and manage it — or request a correction or removal.
Directory Listing · United States
CapitalOSNot yet claimed
The money orchestration layer that lets B2B software platforms offer cards, wallets and bill pay without building a bank.
About CapitalOS
CapitalOS is a California-based fintech infrastructure company that lets B2B software platforms embed financial products into their own products. A vertical SaaS company or marketplace integrates once and can offer its business customers branded corporate cards, digital wallets, bill pay and expense management, while CapitalOS runs the machinery behind them: underwriting, compliance, risk, capital and the user-facing support. Its architecture uses a suite of specialised AI agents to automate the operational work — onboarding, transaction monitoring, disputes and payment queries — that usually makes embedded finance slow and expensive to run.
The company was founded in 2022 by operators whose earlier roles span general management at Stripe and Tipalti and product roles at Lyft. CapitalOS says it now serves more than 25,000 cardholders across dozens of B2B platforms and is orchestrating billions of dollars in transaction volume; named customers include the property-management platform Guesty, which uses CapitalOS to offer cards inside its own software. In October 2026 the company raised a US$21.9 million Series A led by LGVP, with WEX Venture Capital, Group11, Great North Ventures and Night Capital participating, to develop the infrastructure and expand its go-to-market and customer operations teams.
Products & services
- Embedded corporate cards — branded physical and virtual cards a platform can issue to its business customers.
- Wallets and bill pay — digital wallets and bill-payment services embedded in the platform’s own interface.
- Spend management — expense controls and reporting for the platform’s end users.
- AI-agent operations — specialised agents handling underwriting, compliance, risk and support queries behind the scenes.
Why CapitalOS is listed: It sells infrastructure to other platforms rather than to end users, so its natural future partners — vertical software companies outside the US that want to offer cards and bill pay — currently have no easy way to find or diligence it.
How AI assistants describe CapitalOS today
On 31 October 2026 we asked leading AI assistants the same question — what is this company, where is it based, when was it founded, and what funding has it raised? Their answers, checked against the public record, are summarised here. Full answers are archived by GlobleMatch. This is a snapshot, not an endorsement of either engine.
ChatGPT
No errors on the company’s founding, base or product — but it presents a US$60.9M funding total built from aggregator figures (equity plus debt) that the company itself has not announced in that form.
Claude
Consistent with the public record, and transparent that aggregator databases disagree on total funding (it cites totals from $48M to $69.9M depending on the database) — which is exactly why this profile lists only company-announced rounds. No material errors found.
Perplexity
Not included in this snapshot.
Gemini
Not included in this snapshot.
Funding totals (US$60.9M and higher) circulating in AI answers come from aggregator databases, not from company announcements; only the US$21.9M Series A and the 2023 seed are company-announced.
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Questions partners ask
B2B software platforms — vertical SaaS companies and marketplaces — that want to offer financial products such as cards, wallets and bill pay to their own business customers without building the underlying infrastructure.
According to the company: underwriting, compliance, risk, capital and user-facing support, automated in large part by specialised AI agents.
US$21.9 million, announced 21 October 2026 and led by LGVP, with WEX Venture Capital, Group11, Great North Ventures and Night Capital participating.
GlobleMatch Trust Signals
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| Public information coverage | 8 of 9 fields on the standard profile could be filled from public sources.This counts how much public information exists about the company — not how good the company is. The nine fields are listed in the methodology. Claiming the profile lets the company complete the remaining fields itself. |
|---|---|
| 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
- Which sponsor banks and card networks sit behind the platform, and where can cardholders be issued today?
- How does the revenue share work for a platform launching cards — and who carries the credit risk, CapitalOS or the platform?
- Your 25,000+ cardholders sit across dozens of platforms (company figures) — what does onboarding a new platform actually take, start to live?
Sources & verification
- Series A announcement coverage, October 2026 — US$21.9M led by LGVP; product description; founder backgrounds; customer and volume figures as reported by the company. Checked 31 Oct 2026.
- Company website — capitalos.com. Checked 31 Oct 2026.
- Headquarters is listed as Belmont, California in company databases, while the Series A release describes the company as San Francisco-based; this profile records the Bay Area location both sources agree on.
Facts last verified: 31 October 2026. Something wrong? A listed company can request a correction or removal at any time; verified requests are actioned.
Related companies
More in B2B software & platforms: Mach9 (AI CAD software, United States) · Gradient Labs (AI agents for financial services, United Kingdom)
More from United States: Mach9 (AI CAD software, United States)
Country guides: GlobleMatch’s country guides do not cover United States yet; when a guide is published, it will list the companies from United States in this directory.
Profile facts
| Headquarters | San Francisco Bay Area, California (Belmont) |
|---|---|
| Country | United States |
| Industry | Embedded finance · money orchestration |
| Founded | 2022 |
| Company size | — (not publicly disclosed; left blank rather than guessed) |
| Markets served | United States — B2B software platforms and their business customers |
| Official website | capitalos.com |
| Public funding | Series A, US$21.9M, led by LGVP (announced Oct 2026); earlier seed round in 2023 |
| Profile status | Not yet claimed |
| Facts last verified | 31 October 2026 |
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