Conta Simples vs Decimal
Side-by-side comparison of AI visibility scores, market position, and capabilities
São Paulo Brazil YC W20 corporate digital bank at $3.7B TPV with 500K cards issued and breakeven 2023; $68.1M total ($41.5M Base10 Series B Jan 2024) competing with Nubank Business for Brazilian SME corporate expense management.
About
Conta Simples is a São Paulo, Brazil-based digital bank for businesses — backed by Y Combinator (W20) with $68.1 million in total funding including a $41.5 million Series B in January 2024 led by Base10 Partners with Jam Fund, Valor Capital, Big Bets, Broadhaven, and DOMO Invest — providing Brazilian SMEs and startups with corporate digital banking services including corporate credit cards, expense management, and multi-card issuance for controlling business spending. Achieving breakeven at the end of 2023 with $3.7 billion in processed transaction volume (TPV), 30,000 active users, and 500,000 physical and digital corporate cards issued, Conta Simples received authorization as a Direct Credit Society from Brazil's Central Bank in September 2023. Founded in 2018 by Rodrigo Tognini.
Tech-enabled bookkeeping pairing dedicated accountants with proprietary automation; flat monthly subscription; founded 2020 in Fishers, Indiana; faster close with full client transparency.
About
Decimal is a Fishers, Indiana-based technology-enabled bookkeeping company that provides small businesses with a dedicated accounting team and a modern software platform for a flat monthly subscription. Founded in 2020, Decimal was built to address the most common frustration of small business owners who have outgrown DIY bookkeeping but find traditional bookkeeping firms slow, expensive, and opaque. Decimal pairs each client with a dedicated bookkeeper and accounting team who are supported by proprietary software that automates routine transaction processing, exception identification, and reporting, allowing the human team to focus on accuracy review, month-end close, and client communication rather than manual data entry.\n\nDecimal's product experience centers on transparency and responsiveness. Clients access their books through a web portal with real-time financial dashboards showing cash position, profit and loss, and accounts receivable and payable balances. The platform includes a communication thread for each question or task, giving small business owners visibility into the status of their bookkeeping without email chains or phone tag. Decimal's pricing model is a flat monthly subscription based on business complexity rather than hours worked, making costs predictable and removing the billing anxiety that characterizes traditional bookkeeping relationships.\n\nDecimal targets small businesses with $500,000 to $10 million in annual revenue that need accurate, timely books and periodic financial guidance but are not yet ready for a full-time accounting hire or a CFO-level engagement. The company operates as a fully remote team and serves clients across the United States in industries including professional services, e-commerce, retail, and service businesses. Decimal competes with Bench, Pilot, and Botkeeper in the technology-enabled bookkeeping market, differentiating on its dedicated team model, the quality of its software-plus-human integration, and its Midwestern operational roots that keep its cost structure competitive.
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