TL;DR: If you are replacing Kodo, the closest options are Karbon Card, Satchel, Tally. The table below compares 12 alternatives on what they do, stage, size and status.
Every alternative below is compared on what it actually does, not just its category — so you can see which one genuinely replaces Kodo (YC Winter 2021).
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The three closest alternatives to Kodo are:
| Alternative | What it does | Stage | Team | Status |
|---|---|---|---|---|
| Karbon Card | Corporate Card solution for Indian businesses | YC Summer 2021 | 144 | Active |
| Satchel | — | YC Summer 2018 | 8 | Inactive |
| Tally | — | YC Winter 2025 | 2 | Active |
| Slash | Banking, corporate cards, stablecoin payments – available globally. | YC Summer 2021 | 70 | Active |
| Volopay | Brex for South East Asia - Corporate cards & automated payments. | YC Summer 2020 | 11 | Active |
| Boya | Corporate Expense cards and Spend management for businesses in Africa | YC Winter 2022 | 9 | Active |
| Kapital Bank | Data driven neobank for SMBs in LATAM | YC Winter 2022 | 500 | Active |
| Spenmo | A spend management software that provides businesses visibility,… | YC Summer 2020 | 200 | Active |
| Jeeves | International banking infrastructure for global startups. | YC Summer 2020 | 150 | Active |
| Cardda | All-in-one spend management for businesses in Latam | YC Winter 2022 | 5 | Active |
| Z1 | Digital bank for teenagers in LatAm connected to prepaid card | YC Winter 2021 | 80 | Active |
| Brex | Business accounts, corporate cards, and spend management software. | YC Winter 2017 | 1000 | Acquired |
It depends on your size. Karbon Card is the closest match on what Kodo actually does. If you need something more established, sort the table by team size — larger teams generally mean more support and a longer track record. If budget is the constraint, the earlier-batch companies are usually the ones still competing on price.
Kodo is still operating, so switching is a choice rather than a forced migration. Compare on fit and price rather than urgency.
Every company here is Y Combinator-backed and was matched to Kodo on what it actually does — its own description of its product — rather than on a broad category label. Batch, team size and operating status come from the YC directory and are shown as-is. We do not rank by payment.
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