What Kobro does

Kobro provides software that automates debt collection and payment reminders with account tracking and reconciliation tools. According to available sources, Kobro was founded in 2022 and has been acquired by Moonflow, a cloud-based AI debt collection platform, becoming a wholly-owned subsidiary whose technology has been integrated into Moonflow's broader autonomous collections offering. Kobro's standalone identity as a French-origin account-reconciliation and reminder-automation tool is retained as an acquired brand under the Moonflow group, while revenue-generating operations increasingly run through the parent's platform.

The combined Kobro/Moonflow platform offers an AI-driven collections stack operating primarily across Latin America. The product surface centers on named AI collection agents — "Lorena" for WhatsApp conversations and "Diego" for email and inbound voice — that adapt tone and intensity to account context and run 24/7. Underlying technical components include a public REST API for data import and ERP synchronization (documented via Postman) supporting SFTP ingestion, account-tracking and reconciliation tooling, and multi-channel orchestration across WhatsApp, email, and inbound calls. The platform claims up to 90% reduction in collections operating cost versus traditional operations.

The business model is B2B SaaS targeting enterprise and consumer collections use cases. Go-to-market is segmented into "Cobranzas a Empresas" (B2B enterprise) and "Cobranzas a Personas" (B2C consumer) plans, with eight vertical specializations: financial services/fintech, education, healthcare, real estate, telecommunications/utilities, distribution, goods and services, plus an industrial segment. Named customers visible on the Moonflow site include Payjoy, Innova Schools, Banco Ripley, Parque del Recuerdo, BCI, Visma, and Manpower. The parent group has raised over $4 million in disclosed financing to accelerate the transition toward autonomous collections; pricing is not publicly disclosed. No first-party revenue, ARR, or headcount figures are available, and incorporation jurisdiction is not explicitly stated in the source data.

Name

Kobro

Legal name

Moonflow (legal entity name not explicitly stated in available sources)

Website

https://kobro.io

Company type

Private

Founded year

2022

Operating status

Acquired

Headcount range

1–10 employees

Short description

Kobro provides debt-collection automation and account-reconciliation software, acquired by and integrated into Moonflow's AI-driven collections platform that automates multi-channel collections across Latin America for financial, education, healthcare, real estate, and utilities sectors.

Ownership category

akta.pro rank

Headquarters

HQ city

Saint-victor-malescours

HQ country

France

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure

Core offering

Kobro provides software that automates debt collection and payment reminders with account tracking and reconciliation tools. The platform uses AI-powered agents to conduct collection conversations via WhatsApp, email, and phone, enabling businesses to centralize and orchestrate their collections operations in a single place and reduce operational costs.

Differentiator

Problem solved

Functional benefit

Products and services

• Kobro Debt Collection Software
• Kobro REST API

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Recent moves6 records

Expansion highlights6 records

Direct peers

• Katabat: Katabat provides debt management and collections software for lenders and servicers, with workflow tools for recovery operations. It is comparable to Kobro's account-tracking and reconciliation capabilities within debt collection workflows.
• InDebted: InDebted provides an AI-powered consumer debt collection platform with a self-serve digital experience for debtors. Like Kobro/Moonflow, it uses automated, multi-channel communication to recover receivables and has expanded into multiple international markets including LATAM-adjacent geographies.
• Chaser: Chaser is an AR collections automation platform that sends automated payment reminders and follow-ups via email and SMS. Its multi-channel reminder and account-tracking product is closely comparable to Kobro's debt collection automation software.
• TrueAccord: TrueAccord operates an AI-driven digital debt collection platform that automates consumer outreach across email, SMS, and phone. It is directly comparable to Kobro's automated debt collection and payment-reminder software in product scope and target buyer.
• C&R Software: C&R Software provides debt collection and recovery workflow technology for creditors and agencies. Its focus on collections technology platforms parallels Kobro's role within Moonflow's AI-powered collections stack.
• Prodigal: Prodigal offers an AI debt collections platform that uses machine learning to optimize agent workflows and borrower outreach. Its focus on AI-driven recovery automation and analytics is directly aligned with Kobro's core value proposition.
• Skit.ai: Skit.ai builds conversational AI voice agents specifically for debt collections and recovery operations. Its voice-led autonomous collection agents compete head-to-head with Moonflow/Kobro's "Diego" and "Lorena" AI agents handling collections calls and emails.

Broad incumbents

• HighRadius: HighRadius is an enterprise autonomous finance platform covering order-to-cash, treasury, and collections. Its broader scope and enterprise scale make it a broad incumbent overlapping with Kobro's accounts receivable and collections automation niche.
• Esker: Esker provides order-to-cash and accounts receivable automation including collections workflows for mid-market and enterprise finance teams. As a broader AR/cash-app incumbent, it overlaps with Kobro's receivables and collections reconciliation capabilities.

Emerging players

• Collectly: Collectly is an AI-powered patient billing and collections platform focused on healthcare providers. While healthcare-specific, it competes in the same digital collections automation category as Kobro/Moonflow, especially for the "Salud" vertical on Moonflow's site.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/kobro
• Facebookfacebook.com/kobro.sw

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kobro