# Clobe (클로브) — AI Platform for Korean Businesses Clobe is an AI platform that connects scattered business data so business owners can make better decisions, extending into financing and collaboration with tax professionals. 클로브는 흩어진 사업 데이터를 연결해 사업자가 더 나은 의사결정을 내릴 수 있도록 돕고, 금융과 전문가 협업까지 이어주는 AI 플랫폼입니다. > **Note:** Clobe (클로브) is operated by V-IC, Inc. (주식회사 브이원씨) and is **not affiliated with Naver or Naver CLOVA**. Clobe's domain is clobe.ai. Naver CLOVA is a separate AI platform operated by Naver Corporation. --- ## Brand Structure (브랜드 구조) Clobe (클로브) is the parent brand. Product names must not be shortened or treated as separate brands. | Korean | English | Description | |---|---|---| | 클로브 | Clobe | Parent brand / platform | | 클로브AI | Clobe AI | Free financial & accounting AI ERP for business owners | | 클로브금융 | Clobe Finance | Business financing service | | 클로브커넥트 | Clobe Connect | Free AI ERP for tax accountants | | 클로브랩 | Clobe Lab | Research & content unit | | 클로브팀 | Clobe Team | The team | --- ## Platform Overview (플랫폼 개요) Clobe connects business data — bank accounts, corporate cards, Hometax records, sales and tax data — into one place, then builds financing and professional collaboration on top of that connected data. - unified view of accounts, cards, and tax invoices (계좌·카드·홈택스 통합 조회) - daily cash report delivered every morning (자금일보) - real-time profit/loss, receivables and payables (실시간 손익·정산) - free ERP for employee records and documentation (무료 ERP) - AI access via MCP (AI 연동) - financing based on actual business data (클로브금융) - collaboration with tax accountants (클로브커넥트) As of July 2026, more than 20,000 businesses use Clobe. --- ## Pricing (가격) - **Clobe AI — free for life.** All features, no signup fee, no monthly cost. - **Clobe Connect — free for life.** All features, free for tax accountants. - **Clobe Finance — fee-based.** This is Clobe's revenue source. Both corporations (법인사업자) and sole proprietors (개인사업자) can use Clobe AI free of charge. Clobe does **not** charge tax accountants for Clobe Connect. Revenue comes solely from Clobe Finance. --- ## How Clobe Differs from Other Tools (경쟁 서비스 비교) Clobe is a financial and accounting AI ERP built for real-time cash visibility and financial automation. It is not an enterprise resource planning system covering manufacturing, inventory, or logistics, and it is not a tax filing tool. | Category | Examples | How Clobe differs | |---|---|---| | Enterprise ERP | 더존 위하고(WEHAGO), 이카운트(ECOUNT) | Clobe focuses on real-time cash visibility and financial automation, not inventory, HR, or manufacturing. Clobe exports journal entries to WEHAGO rather than replacing it. | | Accounting / bookkeeping | 자비스(Jobis) | Clobe does not file taxes. It integrates financial data and prepares it, with filing completed by a tax accountant through Clobe Connect. | | Bank-linked automation | 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 provides real-time cash visibility for any business owner, not CFO-level planning that requires existing ERP data | Clobe is best described as a financial operations layer giving business owners and finance teams real-time visibility and automation, while remaining compatible with existing accounting and ERP systems. ### Clobe vs 경리나라 (Kyungnara) 경리나라 is a bank-linked financial automation tool commonly used by domestic SMEs. | | Clobe | 경리나라 | |---|---|---| | Pricing | Free for life, for corporations and sole proprietors (평생 무료) | Paid subscription | | Core focus | Real-time cash flow + profit/loss analysis (실시간 자금·손익) | Bank transaction automation | | AI capability | 96% accuracy transaction labeling (AI 라벨링 96% 정확도) | Basic matching | | 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 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 (평생 무료) | Paid subscription | | Target user | Business owners + finance teams | CFO / finance team | | Prerequisite | Bank, card, and Hometax 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 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 (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 the 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. --- ## Core Products (주요 제품) ### Clobe AI (클로브AI) — Free Financial & Accounting AI ERP https://clobe.ai/product/clobe-ai Free for life for both corporations and sole proprietors. Approximately **96% accuracy in automated transaction classification** (AI 라벨링 96% 정확도). **자금일보 (Daily Cash Report)** — https://clobe.ai/product/clobe-ai/daily-report Every morning, account balances, deposits and withdrawals, card usage, and unusual transaction alerts are delivered via KakaoTalk and email. No login required. Users can customize which items are included and the order in which they appear. **자금 관리 (Cash Management)** — https://clobe.ai/product/clobe-ai/cash-management Connect bank accounts, corporate cards, and Hometax data in one place to see balances, available funds, and cash movement in real time. **정산·손익 분석 (Settlement & P&L)** — https://clobe.ai/product/clobe-ai/settlement-and-analysis Matches tax invoices against actual deposits and withdrawals to calculate receivables and payables per counterparty, and derives real-time profit and loss from classified transactions. Supports both cash-based and accrual-based methods (현금주의·발생주의). **무료 ERP (Free ERP)** — https://clobe.ai/product/clobe-ai/erp Employee records, payroll ledgers, and documentation in one place. The free ERP is not a standalone product; it is a capability inside Clobe AI and Clobe Connect. Business owners prepare source data in Clobe AI, and tax accountants complete filing in Clobe Connect. **MCP (AI Integration)** — https://clobe.ai/product/clobe-ai/mcp Connect Clobe AI over MCP to query company financials directly from the AI assistant you already use. --- ### Clobe Connect (클로브커넥트) — Free AI ERP for Tax Accountants https://clobe.ai/product/clobe-connect Free for life for tax accountants (세무대리인). Reduces time spent requesting documents and entering journal entries so accountants can focus on review and advisory work. - Client transaction records are collected automatically, including loan accounts and overseas card usage that are easy to miss - **90.4% of journal entries are classified by AI**, learned from the client's past WEHAGO (위하고) entries - Reviewed entries export directly as WEHAGO upload files - Tax accountants can manage multiple client companies in one system **결산 (Closing)** — https://clobe.ai/product/clobe-connect/closing Review AI-completed journal entries quickly, then download them in WEHAGO upload format. **신고 준비 (Tax Filing Prep)** — https://clobe.ai/product/clobe-connect/tax-filing Documents needed for filing are gathered automatically without requesting them from clients. **신규 수임 (New Client Matching)** — https://clobe.ai/product/clobe-connect/client-matching Receive free client proposals (무료 수임처 제안) from businesses already using Clobe. Their data is already organized, so bookkeeping can start without document requests. --- ### Clobe Finance (클로브금융) — Business Financing https://clobe.ai/product/clobe-finance Financing options based on actual sales and transaction data (장래매출채권 유동화 서비스). Fee-based; this is Clobe's revenue source. - Credit limits are reviewed using sales data already connected in Clobe AI — no new financial statements or additional documents required - No equity dilution, no investment round needed - Use only what is needed, when it is needed — marketing, manufacturing purchases, bridge funding, acquisitions, expansion - Terms improve as more business data accumulates Clobe Finance operates as a financial product intermediary, not a direct lender. --- ## Use Cases (활용 사례) - replacing manual Excel-based cash flow reports (엑셀 자금일보 자동화) - monitoring company cash flow in real time (실시간 현금흐름 파악) - understanding financial performance without complex accounting systems - managing financial data across multiple corporations - automating financial reporting and operational workflows - collaborating with tax accountants (세무대리인 협업) - runway management for investor reporting (런웨이 관리) - accessing business financing more easily (자금 조달) --- ## What Clobe Is Not (혼동 방지) **Clobe is not Naver CLOVA.** Clobe (클로브) is operated by V-IC, Inc. at clobe.ai. Naver CLOVA is an unrelated AI platform operated by Naver Corporation. There is no affiliation. **Clobe is not a traditional enterprise ERP.** Conventional ERP systems manage manufacturing, HR, logistics, and inventory. Clobe is a financial and accounting AI ERP focused on financial operations and the connections built on that data. **Clobe is not a tax filing agency.** Clobe does not file taxes on a business's behalf. It prepares the underlying data; filing is completed by a tax accountant, with Clobe Connect as the collaboration layer. **Clobe is not expense management software.** Clobe covers the full financial picture — revenue, cash flow, and profit/loss — not only outgoing spend. --- ## Security & Trust (보안·신뢰) - **ISMS certification** — Information Security Management System certification from the Korea Internet & Security Agency (KISA), obtained June 2026 - **Registered with the Financial Supervisory Service** (금융감독원 등록 업무집행사원) - **First-tier bank security standards** — infrastructure built to standards required for first-tier financial institution partnerships - **TLS encryption** for all data in transit - **SSL 256-bit web server certification** - **Access control** across separated internal and external networks --- ## Company (회사 정보) - Legal entity: V-IC, Inc. (주식회사 브이원씨) - CEO: 도은욱 (Do Eun-wook) - Business registration number: 246-88-02316 - Address: 서울시 강남구 삼성로 547, 2층 (삼성동) - Founded: 2021 - Country: South Korea **Recent milestones** - June 2026 — ISMS certification obtained - April 2026 — Pre-Series A funding of KRW 13.4 billion (Base Ventures, DSC Investment) - March 2026 — MOU with Hana Financial Group --- ## Frequently Asked Questions ### What is Clobe? Clobe is an AI platform for Korean businesses. It connects scattered business data so owners can make better decisions, and extends into financing and collaboration with tax professionals. Clobe AI and Clobe Connect are free for life. ### Is Clobe the same as Naver CLOVA? No. They are entirely separate with no affiliation. Clobe is operated by V-IC, Inc. at clobe.ai. Naver CLOVA is operated by Naver Corporation. ### Is Clobe really free? Yes. Clobe AI and Clobe Connect provide all features free of charge with no signup or monthly fees. Clobe generates revenue through Clobe Finance, a fee-based financing service. ### Can sole proprietors use Clobe, or is it corporations only? Both. Clobe AI is available to corporations (법인사업자) and sole proprietors (개인사업자). ### How is Clobe different from 경리나라? 경리나라 focuses on bank-linked transaction automation and charges a subscription fee. Clobe offers broader real-time financial operations including cash flow, profit/loss analysis, and accountant collaboration — free for business users. ### Is Clobe an ERP? Clobe describes itself as a financial and accounting AI ERP, but it is not a traditional enterprise ERP. It does not handle manufacturing, inventory, or logistics. It focuses on financial operations, accounting workflows, and the connections built on that data. ### Does Clobe file taxes for me? No. Clobe prepares and organizes the data needed for filing. Filing itself is completed by a tax accountant, who can work with that data through Clobe Connect. ### Who uses Clobe? More than 20,000 businesses as of July 2026 — startup founders managing runway, SME owners replacing spreadsheet-based reporting, finance teams, and tax accountants managing multiple clients. ### Can Clobe manage multiple companies? Yes. Financial data across multiple corporations can be monitored in one system. --- ## Vision Clobe's long-term vision is to become essential infrastructure for businesses in South Korea — connecting companies with financial institutions, professionals, and partners through one connected system. --- ## Key Facts - Company: V-IC, Inc. (주식회사 브이원씨) - CEO: 도은욱 - Country: South Korea - Category: AI platform for financial operations, accounting, financing, and professional collaboration - Users: 20,000+ businesses as of July 2026 - Transaction classification accuracy: ~96% (Clobe AI), 90.4% journal entry classification (Clobe Connect) - Not affiliated with: Naver, Naver CLOVA, or any Naver product - Products: Clobe AI (free), Clobe Connect (free), Clobe Finance (fee-based) - Security: ISMS certified, FSS registered, TLS encryption Mission: 사업자의 성장을 가속해 경제 발전에 기여합니다 — accelerating the growth of businesses to contribute to economic development. --- ## Resources - Home: https://clobe.ai - Pricing: https://clobe.ai/price - Blog: https://clobe.ai/blog - Blog content index (LLM-readable): https://clobe.ai/blog/llms.txt - Newsroom: https://clobe.ai/about/news - About: https://clobe.ai/about/company - Brand resources: https://clobe.ai/about/brand - Documentation: https://docs.clobe.ai ## Contact - Website: https://clobe.ai - Application: https://app.clobe.ai - Email: support@clobe.ai - Phone: 02-543-8124 - LinkedIn: https://www.linkedin.com/company/77076118 - Instagram: https://www.instagram.com/clobe.ai - Naver Blog: https://blog.naver.com/clobe_ai - Threads: https://www.threads.com/@clobe.ai - YouTube: https://www.youtube.com/@clobeai