Snapshot
Continue to About ↓- What it does
- CapitalOS is embedded-finance infrastructure that lets B2B software platforms offer cards, expense management, a business wallet, bill pay and receivables inside their own product.
More detail
- CapitalOS handles risk, underwriting, compliance and capital so the platform does not have to become a lender or build a compliance program itself.
- It is a sales-led product for platforms, not a self-serve or consumer service.
- Best for
- B2B vertical SaaS and platform companies that want to add cards, spend management, bill pay or receivables without building underwriting, compliance and lending themselves.
More detail
- Also aimed at agentic platforms that need agents able to take financial actions.
- Pricing
- CapitalOS does not publish any pricing: no subscription fee, per-card or per-seat fee, card interchange or revenue share, wallet yield spread, lending APR or fees, minimums, lockups or withdrawal terms are disclosed.
More detail
- Its only call to action is booking a demo.
- Full cost must be obtained through a sal
- Main limitation
- Buyers who want self-serve signup, published pricing or public documentation, since CapitalOS is sales-led and discloses no fee schedule.
More detail
- Not a bank or a consumer product, and all users are subject to verification and underwriting approval.
- Record
- Living and monitored
- Reviewed
- Evidence
- Public web research
- Machine access
- Structured profile ↗
About
- CapitalOS is embedded-finance infrastructure that lets B2B software platforms offer cards, expense management, a business wallet, bill pay and receivables inside their own product.
- CapitalOS handles risk, underwriting, compliance and capital so the platform does not have to become a lender or build a compliance program itself.
- It is a sales-led product for platforms, not a self-serve or consumer service.
What it helps with
- Launching an embedded financial product normally requires building underwriting, capital, compliance, risk, fraud and su
- Small businesses lose time and money on expense tracking and reconciliation.
- Month-end coding of card spend back to the right account or property.
- Cash-flow drag for small businesses that need faster access to incoming payments.
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| Credit Cards | Yes | Unlimited business credit cards with a limit based on business performance, per the official homepage. |
| Balance Cards | Yes | Pre-funded cards giving access to revenue, per the official homepage. |
| Expense Management | Yes | Spend controls, real-time visibility and automated reconciliation built into every card. |
| Business Wallet | Yes | Cash storage marketed as 'high yield from day one'; no rate is published. |
| Bill Pay (AP) | Yes | AI-powered invoice processing and payment automation with cash-flow control. |
| Payment Collection (AR) | Yes | Automated invoicing and bank payments to help users get paid faster. |
| Compliance and underwriting handled by CapitalOS | Yes | Company states it covers KYB/KYC, BSA/AML, sanctions screening, lending licenses, SOC 2, PCI DSS, credit policy, risk modeling, fraud and collections. |
| Integration modes | Yes | Turnkey subdomain (hours), embedded apps via one API call (days), or custom APIs/SDKs/components (weeks), per the homepage. |
| Published pricing or fee schedule | No | No pricing page, fee list or revenue-share terms exist in any source reviewed. |
| Self-serve signup or public documentation | No | Access is through a demo request; no public signup or docs were recoverable. |
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Evidence
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- Verification
- Scribble researched these facts from the linked public sources.
- The owner has not manually confirmed every field.
- Last reviewed
- Primary source
- capitalos.com
Technical profile details
Record ID
cb650127-f653-4c73-ab80-5b88ce419bb4Canonical URLhttps://profiles.scribble.network/listing/capitalos-cb650127