Solid vs Decimal

Side-by-side comparison of AI visibility scores, market position, and capabilities

Solid leads in AI visibility (45 vs 18)

Solid

ChallengerEmbedded Finance

Full-Stack BaaS

Full-stack BaaS platform for building fintech products covering cards, accounts, and lending. San Jose CA, raised $63M+, serves 50+ fintech customers across consumer and B2B segments.

AI VisibilityBeta
Overall Score
C45
Category Rank
#1 of 1
AI Consensus
72%
Trend
up
Per Platform
ChatGPT
46
Perplexity
56
Gemini
44

About

Solid is a full-stack banking-as-a-service platform that provides fintech companies and enterprises with the infrastructure to build deposit accounts, card programs, and lending products through a unified API. Founded in 2018 and headquartered in San Jose, California, the company has raised over $63 million in funding. Solid serves more than 50 fintech customers across consumer and B2B financial product segments, providing a comprehensive BaaS stack including account management, card issuance, ACH, compliance, and lending infrastructure.\n\nSolid's platform differentiates through its breadth — covering the full range of financial product types from a single integration rather than requiring customers to assemble capabilities from multiple vendors. Its card issuing module handles both virtual and physical debit and credit cards with programmable spend controls. The lending infrastructure supports personal loans, business credit lines, and BNPL product configurations. An account management layer provides multi-currency deposit accounts, ACH, and wire capabilities with built-in KYC and AML compliance.\n\nSolid has focused on serving fintech startups and mid-market platforms that need a comprehensive embedded finance stack without the complexity of managing multiple bank partnerships and infrastructure vendors. The company's compliance framework is configurable to different risk profiles, allowing customers to tune KYC and AML parameters to their specific market segment. Solid's 2025 roadmap has emphasized deeper credit infrastructure capabilities and cross-border payment support to serve fintechs with international user bases.

Full profile

Decimal

EmergingFintech

Tech-Enabled Bookkeeping

Tech-enabled bookkeeping pairing dedicated accountants with proprietary automation; flat monthly subscription; founded 2020 in Fishers, Indiana; faster close with full client transparency.

AI VisibilityBeta
Overall Score
D18
Category Rank
#1 of 1
AI Consensus
84%
Trend
up
Per Platform
ChatGPT
21
Perplexity
17
Gemini
23

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.

Full profile

AI Visibility Head-to-Head

45
Overall Score
18
#1
Category Rank
#1
72
AI Consensus
84
up
Trend
up
46
ChatGPT
21
56
Perplexity
17
44
Gemini
23
50
Claude
18
50
Grok
22

Capabilities & Ecosystem

Capabilities

Only Solid
Full-Stack BaaS
Only Decimal
Tech-Enabled Bookkeeping

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