Dolfin provides a financial operating system that lets platforms embed compliant receivables, payables, payroll and expense capabilities via a single API/SDK integration. Its AI‑driven engine understands financial context and enforces audit‑ready guardrails, while automatically routing BACS, SEPA, card and open‑banking transactions through the optimal rail.
Funding
Funding not disclosed
Founders
Product
Problem
SMBs and platform providers spend extensive time and resources managing invoices, payments, payroll, and expenses manually, while also facing complex compliance and multi‑rail payment routing requirements. This creates operational bottlenecks, higher costs, and increased risk of audit failures.
Solution
Dolfin offers a financial operating system that can be embedded into any platform via a single API/SDK integration. Its AI‑driven engine interprets financial context, enforces audit‑ready guardrails, and automates end‑to‑end workflows for receivables, payables, payroll and expense management. The platform automatically selects the optimal payment rail—BACS, SEPA, card or open‑banking—and supports regional e‑invoicing standards such as Peppol and MTD. By providing a white‑labelable, compliance‑focused financial layer, Dolfin enables platforms to launch full‑featured financial services for SMB customers within days, reducing development effort and compliance risk.
Target Audience
Dolfin targets B2B platforms serving SMBs—such as SaaS marketplaces, ERP systems, and fintech solutions—that need to embed compliant financial operations without building their own infrastructure.
Features
- Unified API and SDK that expose receivables, payables, payroll and expense capabilities as modular agents
- AI‑powered context awareness with built‑in compliance guardrails and full audit logs
- Automatic routing of transactions across BACS, SEPA, card networks and open‑banking rails
- Native support for Peppol, MTD and other regional e‑invoicing standards, kept up to date automatically
- End‑to‑end orchestration of multi‑step financial tasks, from invoice creation to reconciliation
- White‑labelable experience with configurable policies, approval flows and data mappings