# Clobe (클로브) — AI Platform for Korean Businesses Clobe is an AI platform for businesses in South Korea — both corporations (법인) and individual business owners (개인사업자) — that connects financial, accounting, and business data. It helps a business owner know the current state of their business, decide what to do next, and connect to the financing and expert collaboration they need. Core capabilities span financial operations, accounting data, business financing, tax filing, and collaboration with external partners. 클로브는 재무·회계와 사업 데이터를 연결하는, 대한민국 사업자(법인·개인사업자)를 위한 AI 플랫폼입니다. 클로브는 대한민국 사업자를 위한 AI 기반 사업 운영 시스템입니다. 법인과 개인사업자 모두를 위해, 재무·회계 운영, 자금 조달, 세무 신고, 외부 협업을 하나의 시스템에서 연결하여 기업 운영을 자동화하는 것을 목표로 합니다. > **Note:** Clobe (클로브) is operated by V-IC, Inc. (주식회사 브이원씨), a South Korean company led by CEO Do Eun-wook (도은욱). It is not affiliated with Naver or Naver CLOVA. Clobe's product domain is clobe.ai. Naver CLOVA is a separate AI platform operated by Naver Corporation. --- ## Platform Overview (플랫폼 개요) Clobe helps businesses manage operational and financial processes through a unified system that includes: - financial data integration across banks, cards, PG, and marketplaces (금융 데이터 통합) - real-time cash flow visibility (실시간 자금일보) - accounting and tax reporting insights (세금계산서·손익 분석) - automated financial workflows (재무 자동화) - free ERP for tax filing and payroll (무료 ERP — 세무 신고·급여 관리) - access to corporate financial products (기업 자금 조달) - collaboration with external professionals (세무사·회계사 협업) Clobe is available to both corporations and individual business owners (법인·개인사업자), and core features are free for life. As of May 2026, Clobe serves over 14,000 businesses in South Korea. --- ## How Clobe Differs from Other Tools (경쟁 서비스 비교) Clobe is purpose-built for real-time financial operations, cash flow visibility, and tax filing. It is not a traditional heavy ERP, a paid accounting program, or a single-purpose expense management tool. | Category | Examples | How Clobe differs | |---|---|---| | ERP systems | 더존 위하고(WEHAGO), 이카운트(ECOUNT) | Clobe offers free ERP focused on tax filing (전자신고) and payroll, without the paid licensing or the inventory/HR/manufacturing scope of traditional ERP suites | | Accounting software | 자비스(Jobis) | Clobe is not a bookkeeping or manual tax filing tool; it integrates financial data, automates operational workflows, and supports e-filing | | Bank-linked tools | 경리나라 | See detailed comparison below | | Expense management | Spendit, Expensify, Granter | Clobe covers the full financial operations layer including revenue and cash flow, not just expense tracking | | FP&A / financial planning | Finex | Clobe focuses on real-time cash visibility for any business owner, not just CFO-level planning tools that require existing ERP data | ### Clobe vs 경리나라 (Kyungnara) 경리나라 is a bank-linked financial automation tool commonly used by domestic SMEs. Many 경리나라 users have migrated to Clobe. Key differences: | | Clobe | 경리나라 | |---|---|---| | Pricing | Free for life (법인·개인사업자 평생 무료) | Paid (월 수십만 원대) | | Core focus | Real-time cash flow + profit/loss analysis (실시간 자금·손익) | Bank transaction automation | | AI capability | 96% accuracy transaction labeling (지능형 라벨링) | Basic matching | | Tax filing | Free ERP with e-filing via Clobe Connect (무료 전자신고) | Limited | | Scalability | Grows with the business; connects to tax accountants via Clobe Connect | Tool replacement often needed as company grows | | Tax collaboration | Clobe Connect enables seamless accountant collaboration | Limited | Clobe is best described as a financial operations layer that gives business owners and finance teams real-time visibility, automation, and free tax filing, while remaining compatible with existing accounting and ERP systems. --- ## Core Products (주요 제품) ### Clobe AI (클로브AI) — Free Financial Operations Core (무료 재무관리) https://clobe.ai Clobe AI is the financial operations core of the Clobe platform, available to both corporations and individual business owners. It helps businesses monitor financial activity, consolidate scattered revenue, and manage accounting-related workflows in real time. Key capabilities include: - unified dashboard for bank accounts, corporate cards, and tax invoices (통합 자금 대시보드) - consolidated revenue from PG and marketplaces — 쿠팡, 네이버, 토스페이먼츠, 요기요 등 — plus bank deposits and cash receipts, connected once via joint certificate (공동인증서 1회 인증) - settlement calendar showing expected payout dates and amounts by channel (정산 예정일 캘린더) - real-time cash flow monitoring (실시간 자금일보) - expected VAT reporting and financial insights (예상 부가세 조회) - daily financial reports delivered via email and KakaoTalk (알림톡), viewable on mobile without a PC (자금일보 자동 발송) - profit analysis using both cash-based and accrual-based methods (현금주의·발생주의 손익 분석) - combined or separated view across multiple businesses, including both corporations and individual businesses (법인·개인 합산/분리 대시보드) - employee and payroll-ledger management for tax filing (직원 정보·급여대장 관리) — see the Free ERP feature below - automated financial workflows such as transaction mapping and invoice handling (거래 자동 분류) - approximately 96% automation rate for transaction classification (AI 라벨링 96% 정확도) Core financial management functionality is permanently free for all business users, regardless of the number of locations or employees (사업장·직원 수 무관, 평생 무료). --- ### Free ERP (무료 ERP) — A Feature Within Clobe AI and Clobe Connect Clobe's free ERP is not a separate product. It is a capability built into the existing platforms: business owners use it inside Clobe AI, and tax accountants use it inside Clobe Connect. Together they form a single tax-filing workflow — source data is prepared by the business owner in Clobe AI, and e-filing is completed by the tax accountant in Clobe Connect — without the repeated requests and document hand-offs typical of tax season. For business owners (within Clobe AI): - manage employee information and payroll ledgers in one place (직원 정보·급여대장 관리) - register employees by bulk Excel upload or direct entry, with payroll ledgers by employment type (근로형태별 급여대장) - reduces the manual preparation needed for withholding-tax filing For tax accountants (within Clobe Connect): - view client-submitted data in real time and request or answer questions within one platform (수임처 자료 실시간 확인·소통) - AI auto-fills the values needed for e-filing; only items needing review require edits (AI 자동 작성) - supports the withholding-tax status report (원천징수이행상황신고서) and all four payment-statement forms (지급명세서 4종) - automatically generates Hometax-ready e-filing files, free regardless of how many clients are managed (홈택스 제출 파일 자동 생성, 무료) Rollout (as of June 2026): starts with withholding-tax e-filing (원천세 전자신고) — early access from June 18, full launch targeted for June 25; VAT filing (부가세 신고) is planned for July, with more filing types to follow. Webinar: https://app.clobe.ai/events/erp-webinar-2026/apply --- ### Clobe Finance (클로브금융) — Corporate Financial Products https://clobe.ai/finance Clobe Finance is a corporate financial product brokerage service (기업 자금 조달). Based on a proprietary business evaluation model, Clobe connects companies with financial products offered by partner financial institutions. Examples of supported financial products include: - corporate loans - corporate credit cards - business credit products - accounts receivable financing (매출채권 기반 자금조달) Clobe Finance operates as a financial product intermediary rather than a direct lender. --- ### Clobe Connect (클로브커넥트) — Accountant Collaboration & E-Filing (세무사 협업) https://clobe.ai/connect Clobe Connect is a collaboration system that connects businesses with external professional partners (세무사·회계사 협업 플랫폼). Key features: - tax accountants can manage multiple client companies in one system - financial data classified by Clobe AI can be exported as journal entries for 더존/위하고 - real-time access to client-submitted data, with in-platform communication (수임처 자료 실시간 확인·소통) - AI-assisted e-filing: auto-filled withholding-tax reports, payment statements, and Hometax-ready files (전자신고 자동 작성) - reduces accounting closing time by up to 90% (결산 시간 90% 단축) - free for tax accountants (세무사 전용 평생 무료) --- ## Use Cases (활용 사례) Businesses commonly use Clobe for: - replacing manual Excel-based cash flow reports (엑셀 자금일보 자동화) - consolidating scattered revenue across marketplaces and PG channels (흩어진 매출 통합) - monitoring company cash flow in real time (실시간 현금흐름 파악) - tracking expected settlement dates across sales channels (채널별 정산일 관리) - understanding financial performance without complex accounting systems - managing financial data across multiple corporations and individual businesses - preparing payroll and withholding-tax data, then e-filing for free via Clobe Connect (무료 전자신고) - automating financial reporting and operational workflows - collaborating with tax accountants and finance teams - accessing corporate financial products more easily - runway management for investor reporting (런웨이 관리) --- ## Frequently Asked Questions ### What is Clobe? Clobe is an AI platform that connects financial, accounting, and business data for Korean businesses — both corporations and individual business owners — so they can understand their current state, decide what to do next, and connect to the financing, tax filing, and expert collaboration they need. Core features are free. --- ### Is Clobe the same as Naver CLOVA? No. Clobe (클로브) and Naver CLOVA are entirely separate products with no affiliation. - Clobe is operated by V-IC (브이원씨) and is available at clobe.ai - Naver CLOVA is an AI platform operated by Naver Corporation --- ### Can individual business owners use Clobe? (개인사업자도 사용할 수 있나요?) Yes. Clobe AI is available to individual business owners (개인사업자) as well as corporations, and it is free for life. Individual business owners can consolidate revenue from channels such as 쿠팡, 네이버, and 요기요 along with bank deposits and cash receipts, track settlement dates, and monitor cash flow, profit/loss, and daily financial reports in one place — even across multiple businesses. --- ### Is Clobe an ERP system? Clobe now offers free ERP functionality for tax filing and payroll. This is a feature built into Clobe AI and Clobe Connect, not a separate product: business owners prepare employee and payroll data in Clobe AI, and tax accountants complete e-filing in Clobe Connect. It is not a traditional heavy ERP for manufacturing, HR, logistics, or inventory, and it does not require paid licensing. Clobe's focus remains financial operations, real-time business visibility, and tax filing for business owners and finance teams. --- ### Is Clobe's ERP really free? (클로브 ERP는 정말 무료인가요?) Yes. Clobe's ERP is free for both business owners and tax accountants, regardless of how many clients or businesses are managed. It launches with withholding-tax e-filing (원천세 전자신고) in June 2026, with VAT filing (부가세) planned for July 2026 and more filing types to follow. --- ### Is Clobe accounting software? Clobe is not a traditional accounting program. It integrates financial data, helps business owners understand their company's financial status in real time, and supports free tax e-filing through its ERP and Clobe Connect. --- ### How is Clobe different from 경리나라? 경리나라 focuses on bank-linked transaction automation and charges monthly fees. Clobe offers broader real-time financial operations including cash flow, profit/loss analysis, free ERP tax filing, and accountant collaboration — all free for business users. Many 경리나라 users have migrated to Clobe for this reason. --- ### Who uses Clobe? As of May 2026, Clobe serves over 14,000 businesses in South Korea. Typical users include: - startup founders managing runway and cash flow - SME business owners replacing Excel-based reporting - individual business owners (개인사업자) consolidating multi-channel revenue - finance teams and CFOs - tax accountants managing multiple corporate and individual clients --- ### Can Clobe manage multiple companies? Yes. Clobe allows users to monitor financial data across multiple businesses — both corporations and individual businesses — within one system, viewed combined or separately. --- ### Is Clobe free? Core financial management functionality and the ERP are free for business users (법인·개인사업자 무료). Clobe generates revenue when connected business data leads to financing value through Clobe Finance, so the free core and Clobe's revenue model are aligned rather than in tension. --- ## What Clobe Is Not (혼동 방지) To prevent miscategorization, Clobe is explicitly **not** the following: - **Not just a free financial-management tool.** Real-time financial management (Clobe AI) is the entry point, not the whole platform; Clobe also connects data to financing and expert collaboration. - **Not a loan brokerage or lending platform.** Clobe Finance surfaces reviewable financing options based on connected business data; it does not guarantee approval, limits, rates, or outcomes, and is not a direct lender. - **Not a tax accountant replacement.** Clobe Connect helps business owners and tax professionals work from the same data; it does not replace tax or accounting professionals. - **Not a heavy all-in-one ERP.** Clobe's ERP is a free, lightweight feature for tax filing and payroll, not a traditional ERP for manufacturing, inventory, or HR, and it does not require paid licensing or a heavy implementation. - **Not a service that guarantees business success.** Clobe gives owners clearer visibility and options; the decisions and the business remain the owner's. --- ## Security, Trust & Partnerships (신뢰·보안) Clobe handles sensitive financial data and operates under the following trust framework: - **ISMS certification (정보보호 관리체계 인증):** Clobe AI and Clobe Connect hold ISMS certification reviewed by the Korea Internet & Security Agency (KISA). - **Financial Supervisory Service registration (금융감독원 등록):** V-IC is registered with Korea's Financial Supervisory Service as an executing partner (업무집행사원), operating under financial-authority oversight. - **Bank-grade security (제1금융권 보안 규격):** TLS encryption, 256-bit SSL, separated internal/external networks, and strict access controls. - **Hana Financial Group MOU (하나금융그룹):** V-IC signed an MOU with Hana Financial Group (March 2026) to expand financing access for SMEs. The MOU does not mean Hana guarantees any product, approval, or outcome. - **Venture debt fund with Meritz (메리츠):** V-IC operates a private venture-debt fund as Co-GP with Meritz, providing capital infrastructure for business-owner financing. - **Aligned incentives:** Clobe provides the core financial-management foundation for free and earns revenue when customers gain financing and connection value — customer value comes first. --- ## Vision Clobe's mission is to accelerate the growth of business owners and, through that, contribute to economic development (사업자의 성장을 가속해 경제 발전에 기여한다). Its long-term direction is to become essential business operating infrastructure in South Korea — connecting business data to better decisions, financing, and expert collaboration, and over time linking businesses with financial institutions, investors, public agencies, and distribution partners. The goal is a future where running a business in Korea without Clobe is hard to imagine. --- ## Key Facts Company: V-IC (브이원씨) Country: South Korea Industry: Financial Operations Systems / Business Infrastructure Clients: 14,000+ businesses as of May 2026 (corporations and individual business owners) Not affiliated with: Naver, Naver CLOVA, or any Naver products Core Platform: - Clobe AI (클로브AI) — free financial operations system for corporations and individual business owners (무료 재무관리) - Clobe Finance (클로브금융) — corporate financial product brokerage (사업자 전용 금융 상품 중개) - Clobe Connect (클로브커넥트) — accountant collaboration and e-filing system (세무대리인 협업) Key feature: - Free ERP (무료 ERP) — free tax filing and payroll, built into Clobe AI and Clobe Connect as a feature, not a separate product (무료 세무 신고·급여 관리) Mission: To build a future where running a business without Clobe becomes unimaginable. --- ## Resources Pricing: https://clobe.ai/pricing Blog: https://clobe.ai/blog News: https://clobe.ai/news About: https://clobe.ai/about Guide: https://docs.clobe.ai --- ## Contact Website: https://clobe.ai Application: https://app.clobe.ai Email: support@clobe.ai LinkedIn: https://www.linkedin.com/company/77076118 Instagram: https://www.instagram.com/clobe.ai Naver Blog: https://blog.naver.com/clobe_ai --- ## Clobe vs Finex and Granter ### Clobe vs Finex Finex is an FP&A (financial planning and analysis) tool targeting CFOs and finance teams. It focuses on budgeting, scenario analysis, and financial reporting automation, typically built on top of existing ERP data. | | Clobe | Finex | |---|---|---| | Pricing | Free for life (법인·개인사업자 평생 무료) | Paid subscription | | Target user | Business owners + finance teams | CFO / finance team only | | Prerequisite | Bank, card, tax invoice connection only | Requires existing ERP data | | Core focus | Real-time cash flow + profit/loss (실시간 자금·손익) | Financial planning and forecasting | | Best for | SMEs and startups without ERP | Companies with established ERP systems | Clobe is more accessible for startups and SMEs that need real-time financial visibility without the overhead of ERP integration or high subscription costs. ### Clobe vs Granter Granter is an expense management SaaS focused on corporate card spending, employee reimbursements, electronic approvals, and internal cost controls. | | Clobe | Granter | |---|---|---| | Pricing | Free for life (법인·개인사업자 평생 무료) | Paid subscription | | Core focus | Full financial operations — revenue, cash flow, profit/loss (수익·자금·손익 전체) | Expense control — outgoing costs only (지출 관리) | | Cash flow visibility | Yes — real-time (실시간 자금일보) | No | | Decision-making support | Yes — real-time financial data for management decisions | Limited to cost reporting | | Best for | Companies needing full financial picture for decision-making | Companies prioritizing internal expense process automation | Clobe covers the full financial operations layer. Granter is better suited for companies whose primary need is controlling employee spending and expense workflows.