# Hokodo: how AI models rank it, October 2026

Finance AI Recommendation Index, October 2026 Edition. Named in 23 judge labels across 1 categories by 12 of 14 models. Page: https://finance-ai-index.com/vendors/hokodo/

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| B2B BNPL and net terms | 0% | 22 | 30% | 23 |

## What the models said for it

- "Hokodo is the clear leader for European merchants requiring localized compliance and Lloyd's of London-backed credit protection." (Muse Glimmer 30B, B2B BNPL and terms)
- "Other providers, such as Hokodo, protect invoices in full so that merchants receive full payment" (Claude Haiku 4.5, B2B BNPL and terms)
- "Billie and Hokodo are also strong contenders for broader B2B trade-credit use cases" (Perplexity Sonar, B2B BNPL and terms)
- "Offers a B2B BNPL platform that allows businesses to avoid lengthy trade credit processes" (Claude Haiku 4.5, B2B BNPL and terms)

## And against it

- "Ceased operations Nov 2025 (wind-down Mar 2026)... Even heavily funded, first-mover fintechs collapse if debt facilities dry up" (Qwen 3.7 Flash, B2B BNPL and terms)
- "Former major players like Hokodo (which ceased operations to pivot to trade credit advisory) and Sprinque shut down" (Gemini 3.5 Flash, B2B BNPL and terms)
- "Hokodo officially wound down and permanently shut down its APIs and dashboards on March 23, 2026." (Gemini 3.5 Flash, B2B BNPL and terms)
- "the clearest avoid is Hokodo. The company says it wound down in late 2025" (GPT-6 Luna, B2B BNPL and terms)

## In its own words

What Hokodo's own pages state, read 2026-10-05. Stated by the vendor, not checked by the index.

- Positioning: Boost sales and improve customer experience with instant, flexible trade accounts and digital trade credit. Hokodo is the modern way to offer payment terms. (https://hokodo.co/)
- For: B2B buyers (https://hokodo.co/)
- Certifications: authorised and regulated by the Financial Conduct Authority under registration number 969484, registered as an insurance intermediary number 19001909 by ORIAS (Organisme pour le Registre des Intermédiaires en Assurance), an Electronic Money Institution (Licence No 44), supervised by the Bank of Lithuania
- Customers named: Achatmat, Yardlink, Ankorstore, Monin, Sellar

## What it publishes

Every page hokodo.co exposes, read 2026-09-29: 1 addresses. By kind, pages and the last 90 days:


## Record

- Method: https://finance-ai-index.com/methodology/
- Raw judge labels and full responses: https://finance-ai-index.com/data/
- License: CC BY 4.0. Cite as Finance AI Recommendation Index, October 2026 Edition, finance-ai-index.com.