Brussels Fintech Chift Closes €10.5M Round To Develop Financial Connectivity Layer For AI Applications
Brussels fintech Chift has closed a €10.5 million Series A round to expand the software “plumbing” that links Europe’s fragmented financial tools — and to make that plumbing usable by artificial intelligence as well as by traditional applications.
The financing was led by BlackFin Capital Partners, a European fintech specialist with more than €4 billion under management.
Existing backers Entourage, Shapers, Seeder Fund and Wallonie Entreprendre also joined the round.
The company, founded in 2022 by Gauthier Henroz, Henry Hertoghe and Matthieu Hertoghe, says the new capital will fund a broader European footprint and a deeper push into AI-ready connectivity.
Chift’s product is a unified application programming interface.
Instead of asking every software vendor to build and maintain a separate connector for each accounting package, invoicing tool, cash register, shop platform, payment provider or property-management system, Chift offers a single integration that opens onto more than 120 financial products across those six categories.
An invoicing product, for example, can send customer bills into dozens of ledgers without negotiating each ledger’s quirks one by one.
That matters in Europe, where local accounting and billing software still varies sharply from country to country and where small and mid-sized firms typically run several packages side by side.
Two market shifts are amplifying demand. First, electronic invoicing rules are pushing more commercial paperwork onto digital rails, which only works if systems can exchange data cleanly.
Second, AI applications and autonomous agents need reliable access to live financial records if they are to book entries, retrieve balances or trigger payments.
Chift has added a Model Context Protocol server so agents can pull and push data across its network while the platform handles authentication and permissions.
Investors argue that this combination is hard to copy: the data Europe’s companies need sits in systems that were never designed to interoperate, and AI tools are only as useful as the information they can reach.
Pauline Brunel, investment director at BlackFin, described that difficulty as the source of Chift’s value.
The Series A arrives after a sharp commercial acceleration.
Since a €2.3 million seed round in 2024, Chift says revenue has grown more than tenfold.
The team now numbers about 35 people.
More than 150 software companies use the platform to connect over 50,000 small and mid-sized businesses in more than ten European countries. Named customers include Revolut, Qonto, Pennylane and Mollie.
Management intends to take the product into every major European market, reduce the manual work required to switch on each connector, and attach more AI products to financial data.
The stated ambition is to become the default financial connectivity layer for European business software by 2028.
Henroz has framed the problem as structural rather than merely technical.
As companies stack more tools and as AI and e-invoicing rewrite how money is recorded, interoperability becomes the core constraint of small business finance.
Europe’s 27-country patchwork makes that constraint especially severe. Chift’s bet is that the winner will be the firm that treats connectivity as infrastructure: build once, maintain centrally, and let both human-built software and machine agents use the same pipes.
