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Quarterly Report · Q3 2026

The Margin Migration

How finance became the product for vertical software.

Across the last four editions, a single pattern keeps surfacing: the software company closest to the transaction captures the margin. What began as a feature — payments, embedded finance — is becoming the product.

This report traces that migration through the companies documented on the stage, and sets out what it means for how vertical software is priced, built and valued.

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The Margin Migration
Companies in this report
LedgerbaseNorthwindEmbedded financePayments