The Embedded Tax Revolution: Ben Borodach, CEO of april, on Building Tax Infrastructure from Scratch

Jan 16, 2026

Ben Borodach, Founder and CEO of april, delves into how his company is revolutionizing tax infrastructure. He explains the shift from annual tax filing to an integrated, real-time approach that can transform financial decision-making. Topics include the benefits of embedding tax services in banks and fintech platforms, the technical challenges of building a national tax engine, and how this modernized system can enhance user experience. Borodach’s insights reveal a future where tax considerations are seamlessly woven into everyday transactions.

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INSIGHT

Tax As Real-Time Financial Intelligence

Tax can be transformed from a yearly chore into real-time financial intelligence embedded in primary financial apps.
Embedding tax meets users where they already manage money and unlocks continuous engagement and better decisions.

ANECDOTE

Startup Roots In Teammate Incubation

Ben described incubating companies at Teammate, including a crypto custodian that became PayPal Crypto.
Those experiences informed April's build-from-scratch, security-focused approach to tax infrastructure.

ADVICE

Integrate With Existing Financial Brands

Partner with existing financial brands instead of replacing them to reach customers at scale.
Provide platforms a capability they lack so they can deliver value without re-aggregating users.

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I don’t know anyone who enjoys filing their taxes. It is something we begrudgingly do every April, or earlier for the well-organized, and it is usually a somewhat painful exercise. What if filing your taxes was easy, taking less than 30 minutes? What if tax planning wasn't a once-a-year chore but an embedded feature in your banking app, payroll platform, or investment account?

In this episode, I sit down with Ben Borodach, founder and CEO of april, the first company to build a nationally licensed tax engine in over 15 years. Ben shares how april is transforming tax from an annual burden into real-time financial intelligence, partnering with banks, fintechs, and payroll platforms to embed tax services directly into the financial tools Americans already use. We discuss the massive technical challenge of building tax infrastructure from scratch, why embedded tax makes sense for financial institutions, and how bringing tax decisions to the point of transaction, whether selling stock, adjusting payroll withholding, or buying a home, can fundamentally change how people manage their financial lives.

In this podcast you will learn:

How he came to the idea of building a fintech company focused on tax.
How april was incubated inside Team8.
Why they decided to create an embedded tax solution rather than go direct to consumer.
What their product offering does.
How they are helping consumers to think about taxes beyond once a year.
The three categories of companies they are focused on.
Why banks should be offering tax services to their customers.
Why being integrated into the banking cores is not a high priority right now.
How april is different to the big tax providers, TurboTax and H&R Block.
How their customers present the tax offerings.
What it means to be a nationally licensed e-file provider.
How they integrate with the IRS and the state tax agencies.
How they are leveraging the growth of embedded finance.
What is involved from a technology perspective to integrate with april.
How he thinks about tax policy, as a tax infrastructure company.
Ben’s vision for april.

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