Layer

Through groundbreaking technology, we are revolutionizing the financial landscape for small and medium-sized businesses at Layer Financial Technologies Inc. Our mission is to embed powerful accounting and bookkeeping capabilities directly into the software platforms that SMBs rely on daily. By leveraging an API-first architecture, we enable vertical SaaS providers and neobanks to offer a seamless, white-labeled financial experience that was previously accessible only through fragmented, standalone accounting software.

At the core of our innovation is a sophisticated AI-powered bookkeeping engine that automates the categorization and reconciliation of transactions, delivering real-time financial insights with unprecedented accuracy. This technology eliminates the manual drudgery of traditional bookkeeping, allowing business owners to focus on growth rather than compliance. Our platform is designed with a developer-first mindset, offering modular UI components and robust APIs that allow for rapid integration and customization, ensuring that our partners can deliver a native financial experience that aligns perfectly with their brand.

Founded by Justin Meretab and Daniel O'Neel, who bring deep expertise from their tenure at Square and Wealthfront, Layer is built on the belief that financial clarity should be a fundamental right for every business owner. We are committed to solving the 'cold start' problem of accounting by pre-populating financial data and automating the setup process, thereby reducing the barrier to entry for financial management. Our solution transforms accounting from a retrospective compliance burden into a proactive strategic asset, providing business owners with the visibility they need to make informed decisions in real-time. We are not just building software; we are redefining the financial infrastructure of the modern economy.