FullSeam

FullSeam is an AI employee for finance and accounting teams.

Winter 2026

FinOps

Fintech

SaaS

About

FullSeam is an AI employee for finance and accounting teams. It logs into a company's accounting, billing, banking, and CRM tools and completes routine tasks typically done manually — like accounts receivable, accounts payable, billing, and updating financial records.

Founders

Aaron Coppa

Co-founder

Aaron is the co-founder of FullSeam (W26), the AI employee for finance and accounting teams. He was the founding engineer at TaxProper (S19), the leading property tax software for institutional real estate investors, which successfully exited to Opendoor (NASDAQ: OPEN) in 2022.

Thomas Dowling

Co-founder

Tom is the co-founder of FullSeam (W26), the AI employee for finance and accounting teams. He previously co-founded TaxProper (S19), the leading property tax software for institutional real estate investors, which successfully exited to Opendoor (NASDAQ: OPEN) in 2022. He advised the Mayor of Chicago and is currently a Commissioner of an Illinois state agency. He has a BA from UIUC and an MSc from Oxford, where he was a Rhodes Scholar.

Geoff Segal

Co-Founder

Geoff is the co-founder of FullSeam (W26), the AI employee for finance and accounting teams. He previously co-founded TaxProper (S19), the leading property tax software for institutional real estate investors, which successfully exited to Opendoor (NASDAQ: OPEN) in 2022.

AI Research Report

Problem & Solution

Problem and Solution Report: FullSeam

FullSeam addresses the persistent problem of manual, repetitive, and error-prone work within corporate finance and accounting departments. Despite the prevalence of ERP systems, many tasks—such as accounts receivable, accounts payable, cash application, and reconciliation—still require significant human intervention to handle exceptions, route approvals, and manually enter data across spreadsheets and billing systems. This reliance on manual labor leads to operational bottlenecks, increased costs, and a higher likelihood of financial inaccuracies.

The solution offered by FullSeam is an 'AI-powered finance and accounting teammate.' Unlike traditional automation tools that require companies to overhaul their existing workflows or switch to new platforms, FullSeam’s AI agents are designed to plug directly into a company's existing ERP, billing systems, and spreadsheets. These agents act as 'AI employees' that can log in and perform tasks just as a human would, including extracting commercial terms from contracts, calculating invoices based on complex pricing rules, and posting journal entries under standards like ASC 606 and IFRS-15.

The value proposition of FullSeam lies in its ability to take over routine work without forcing a change in how the team operates. Early evidence from customers suggests significant impact; for instance, the company Deferred reportedly eliminated 100% of manual involvement in referral payouts after implementation. Another customer, Belfry, saw 95% of invoices fully validated by AI and a 40-60% reduction in billing-related customer inquiries. By automating these 'last-mile' accounting tasks, FullSeam allows finance teams to focus on higher-value strategic work while maintaining a fully auditable trail of actions taken by the AI agents.

Market & Competitors

Market and Competitors Report: FullSeam

FullSeam operates in the highly competitive and mature market of financial process automation. This market is characterized by a shift from traditional rule-based automation to more sophisticated AI-driven solutions. The target audience includes mid-market and enterprise-level companies that manage high volumes of transactions and complex financial workflows. Key trends in the market include the integration of Generative AI to handle unstructured data (like contracts and emails) and a move toward 'autonomous finance' where systems can make decisions rather than just following pre-set workflows.

The competitive landscape is populated by several categories of players. Large incumbents and established ERP vendors like SAP, Oracle, and Workday offer their own automation modules. Specialized AP/AR automation giants such as HighRadius, BlackLine, Tipalti, and Bill.com represent significant competition, as they have deep integrations and large existing customer bases. Other notable competitors include Coupa, Zycus, Tesorio, Stampli, and Taulia, many of which have recently introduced their own AI and machine learning capabilities to stay competitive.

FullSeam’s primary competitive advantage is its framing of the technology as an 'AI employee' rather than just another software tool. While many competitors focus on intelligent document processing (IDP) or workflow orchestration, FullSeam emphasizes the agentic nature of its solution—AI that can log into systems and take actions autonomously. This 'plug-and-play' approach, which does not require customers to change their existing systems, is a key differentiator against legacy platforms that often require lengthy and expensive implementation cycles. However, as a new entrant (YC W26), FullSeam faces the challenge of competing against well-funded incumbents with established reputations and extensive feature sets.

Total Addressable Market

Quantitative and TAM Report: FullSeam

FullSeam operates at the intersection of several rapidly growing financial technology sectors, primarily focusing on Accounts Receivable (AR) and Accounts Payable (AP) automation. The global market for AR automation was estimated at approximately $3.81 billion in 2023 and is projected to reach $8.83 billion by 2030, representing a robust compound annual growth rate (CAGR) of 12.9%. Simultaneously, the AP automation market was valued at $3.07 billion in 2023, with expectations to grow to $7.01 billion by 2030 at a CAGR of 12.8%.

When considering the broader scope of AI in finance and financial automation—the specific niche FullSeam occupies with its 'AI employee' model—the market potential is even more significant. The global financial automation market was valued at $8.1 billion in 2024 and is forecasted to reach $18.4 billion by 2030, growing at a CAGR of 14.6%. Other industry estimates suggest the AP automation market alone could reach $11.17 billion by 2030, indicating a total addressable market (TAM) for FullSeam's core services in the range of $15 billion to $20 billion globally by the end of the decade.

The methodology for these estimates involves aggregating the specific sub-sectors FullSeam automates: AR, AP, cash application, and reconciliation. By targeting the mid-market and enterprise segments, FullSeam positions itself to capture a significant portion of this multi-billion dollar opportunity. The high CAGR across all related sectors suggests a strong tailwind for adoption as companies seek to replace manual, error-prone financial processes with AI-driven solutions.

Founder Analysis

Founders and Background Report: FullSeam

FullSeam was co-founded by a seasoned team of entrepreneurs: Aaron Coppa, Thomas (Tom) Dowling, and Geoff Segal. The trio previously founded TaxProper, a Y Combinator-backed startup (S19) that automated property tax payments. At TaxProper, they managed over $1 billion in annual property tax payments for their clients before the company was successfully acquired by Opendoor in November 2022 for a reported $10 million. This shared history of building and scaling a financial technology company provides a strong foundation for their current venture in the AI-driven finance automation space.

Thomas Dowling, who serves as a co-founder, brings a distinguished academic and public service background to the team. He holds a BA from the University of Illinois at Urbana-Champaign (UIUC) and an MSc from the University of Oxford, where he was a Rhodes Scholar. Beyond his entrepreneurial pursuits, Dowling has served as an advisor to the Mayor of Chicago and currently holds a position as a Commissioner for an Illinois state agency, demonstrating a high level of leadership and regulatory expertise.

Aaron Coppa and Geoff Segal round out the founding team, both also being alumni of the University of Illinois at Urbana-Champaign. Aaron Coppa served as the founding engineer at TaxProper, bringing deep technical expertise in building financial systems from the ground up. Geoff Segal also played a critical role in the success of TaxProper and continues this partnership at FullSeam. The team's collective experience in handling large-scale financial transactions and their proven track record of a successful exit makes them uniquely qualified to lead FullSeam as part of the Y Combinator Winter 2026 batch.

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