Pipe, a San Francisco-based fintech specializing in embedded capital solutions for small businesses, announced on July 22, 2025, the launch of four AI agents—Fraud and Compliance, Recovery, Sales, and Treasury—to streamline operations and support global expansion. These agents automate critical tasks, reducing decision times to minutes for 90% of SMB capital applicants and cutting manual processes by up to 80%, per company data. Building on its 2023 platform launch and the acquisition of Glean.ai, Pipe strengthens its position in the $100 billion embedded finance market.
Announced July 22, 2025: Pipe launches four AI agents for operational efficiency.
Agents address fraud/compliance, payment recovery, sales, and treasury management.
90% of SMB capital applicants receive decisions in minutes; 98% of pre-approved get funding.
Reduces manual processes by 80%, per Pipe’s internal metrics.
Embedded finance market valued at $100B, projected to reach $320B by 2030.
Follows Glean.ai acquisition, enhancing spend management capabilities.
Pipe’s AI agents transform its embedded capital platform, launched in 2023, which uses live revenue and transaction data for algorithmic underwriting, achieving a 98% funding success rate for pre-approved businesses. “Pipe remains focused on being an AI-first fintech, automating underwriting, payments, and compliance from the ground up,” said Claurelle Rakipovic, Chief Product Officer. The agents include:
Fraud and Compliance Agent: Analyzes flagged applications to distinguish data errors from fraud risks, enabling 90% of SMB capital decisions within minutes.
Recovery Agent: Automates payment restarts for failed debits, researching business operations and guiding payment teams, reducing manual effort by 80%.
Sales Agent: Provides 24/7 support across time zones, re-engaging abandoned applications to enhance user experience and application completion rates.
Treasury Agent: Optimizes global cash management by scanning positions and macro events, providing instant liquidity insights and reducing manual reviews.
These agents build on Pipe’s acquisition of Glean.ai, integrating AI-powered spend management to offer small businesses tools like smart capital, card solutions, and spend insights, historically reserved for larger enterprises.
Founded in 2019 by Harry Hurst, Josh Mangel, and Zain Allarakhia, Pipe has raised over $300M from investors like Craft Ventures and Morgan Stanley. With 2025 revenue undisclosed but strong growth projected, Pipe serves platforms like Priority and Boulevard, embedding capital solutions into software used by SMBs. The $100 billion embedded finance market, per 2025 industry reports, is driven by 77% of small businesses seeking better capital access, a gap Pipe addresses with its AI-native approach.
The embedded finance sector faces challenges like fraud and compliance complexity, with 60% of SMBs citing limited financing options, per Goldman Sachs’ 10,000 Small Business Voices. Pipe’s AI agents align with trends seen in competitors like Sardine ($145M raised) and Alloy, which leverage AI for fraud prevention and compliance. Posts on X from @thefintechtimes and @FinTech_Series reflect excitement for Pipe’s launch, emphasizing its scalability and SMB focus. The acquisition of Glean.ai and partnerships with platforms like Infinicept position Pipe to compete with fintechs like Square and Klarna in delivering frictionless financial solutions.
Pipe’s AI agents mark a significant step in scaling embedded finance, empowering small businesses with faster, more efficient access to capital while driving operational excellence in a rapidly growing market.
Pipe makes customer-friendly capital and smart financial tools accessible to growing businesses inside the software they use every day. Our embedded solutions are built to scale and give business builders across industries the power to grow on their own terms.
TechIntelPro empowers B2B technology decision-makers with the latest industry trends, deep insights, leadership perspectives and actionable intelligence to drive both organizational and professional milestones—and thrive on the tech pulse.