CapitalOS

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CapitalOS is an embedded spend management infrastructure designed for B2B platforms, enabling them to offer comprehensive financial solutions to their small business clients with minimal integration effort. By providing a single API call, CapitalOS allows platforms to introduce new revenue streams without assuming financial risk, as it supplies the necessary capital and manages compliance and risk factors. Key Features and Functionality: - Business Credit Cards: Issue unlimited co-branded physical and virtual cards with credit limits based on business performance, without requiring credit checks. - Expense Management: Implement spend controls, gain real-time visibility into transactions, and automate expense reconciliation processes. - Bill Pay: Utilize AI-powered invoice processing and payment automation to streamline accounts payable. - Business Wallet: Offer customers the ability to store and grow their cash reserves with high-yield accounts from day one. - Embedded UX & APIs: Seamlessly integrate best-in-class card management and spend controls into existing applications, ensuring a cohesive user experience. - Compliance & Licensing: CapitalOS handles all compliance, auditing, and licensing requirements, allowing platforms to focus on their core competencies. Primary Value and User Solutions: CapitalOS addresses the critical challenge small businesses face in managing expenses and accessing working capital. By embedding spend management tools directly into B2B platforms, it enables small businesses to save time and money through efficient financial operations. Platforms benefit from increased user retention, new revenue streams, and enhanced customer satisfaction, all without the burden of developing in-house financial solutions or managing associated risks.