Every expense reviewed. Every policy actually enforced.
Card swipes, reimbursements, and recurring vendor charges checked the day they land — against policy, budget, and what this vendor usually costs. Routine spend clears itself. The rest gets a question.
Figma
Charged twice this month · same card
$45DuplicateAWS
18% above 3-month average · no new project tag
$2,140AnomalyTeam dinner
Receipt missing · reminder sent to R. Mehta
$312ReceiptUber
Outside travel policy hours · asked for context
$48Policy checkNotion
Within policy · matched to subscription
$96Cleared
Nothing blocked. Four items wait for a human, with the reason attached.
Expense & vendor spend is the job nobody has time to do well.
The Spend Agent reviews every card transaction, reimbursement, and vendor charge against your policy, your history, and your budget. It approves the routine, questions the odd, and catches the subscriptions nobody remembers signing up for.
The expense policy is a PDF
It exists, nobody reads it, and it is enforced only when someone happens to notice a receipt. Compliance is a matter of luck.
Subscriptions compound
Tools get trialled, forgotten, and renewed. Seat counts drift up. The card statement grows a little every month and nobody owns the total.
Review happens after the money is gone
Questions get asked at month-end, weeks after the transaction, when the answer is 'I don't remember'.
The whole job, not a feature of it.
Everything the Spend Agent handles day to day. Anything material waits for your approval; everything else simply gets done.
- 01
Policy checks on every transaction
Category, amount, merchant, timing, and receipt presence checked against the rules you set, the day the charge lands.
- 02
Receipt matching and chasing
Pairs receipts with card transactions from inboxes and uploads. Asks the cardholder for what is missing.
- 03
Subscription and seat audit
Finds every recurring charge, tracks seat counts and renewal dates, and flags tools that nobody has used.
- 04
Vendor price drift
Notices when a vendor's monthly charge creeps up and asks whether the increase was agreed.
- 05
Budget-aware approvals
Shows the approver what this expense does to the department's remaining budget before they say yes.
- 06
Anomaly detection
Duplicate charges, weekend spend on a weekday card, a merchant that has never appeared before.
Connect once. Set the rules. Approve the exceptions.
The agent works inside the systems you already run and never becomes the system of record. Here is the sequence from day one.
- 01
Connect cards and ledger
Brex, Ramp, or bank card feeds plus the ledger. Read-only.
- 02
Write the policy as rules
The agent turns your policy document into checks. You review the interpretation once.
- 03
Review as transactions land
Routine spend passes. Everything else gets a question to the cardholder or an approval to the manager.
- 04
Monthly spend review
A short report: what grew, what is unused, what broke policy, and the three decisions worth making.
What it will never do. What always waits for you.
Thresholds make the routine automatic and the rest deliberate. These limits are not settings you might forget to enable; they are how the agent is built.
Never blocks or reverses a transaction. It flags; humans decide.
Never cancels a subscription. It recommends and waits for approval.
Never contacts a vendor about pricing without sign-off.
Never changes a policy rule on its own, even when a rule is consistently overridden.
Waits for your sign-off
- 01Out-of-policy spend above the threshold
- 02Subscription cancellations and seat reductions
- 03Vendor pricing queries
- 04Any policy rule change the agent suggests
Each approval arrives with the reasoning attached and is logged whether you approve or decline.
The brain is yours. Not ours.
The Spend Agent captures the judgment that usually lives in one person's head and writes it down in plain language. You can read it, correct it, and export it at any time.
- N01
That the ops lead's Friday food charges are the weekly team lunch and are in policy.
Yours to export - N02
Which SaaS tools are genuinely load-bearing and which are one person's habit.
Yours to export - N03
The vendors who quietly raise prices every January.
Yours to export - N04
Which cardholders always forget receipts and need a nudge on day two, not day ten.
Yours to export
The systems you already keep.
Read and write through the same APIs your accountant uses. Statuses reflect what is connected today, not what is planned to be.
- BrexPlanned
- RampPlanned
- MercuryPlanned
- QuickBooks OnlineLive
- XeroIn progress
- NetSuitePlanned
- GmailLive
- OutlookIn progress
- SlackIn progress
- Google DriveIn progress
What a good quarter looks like.
Targets we size with you after seeing your actual numbers. They are not customer results, and we will tell you plainly if your book is not a fit.
Transactions reviewed
100%
Not a sample at month-end. All of them, daily.
Receipt match target
95%+
The rest get chased automatically.
Recurring spend visibility
Every charge
One list, with owners and renewal dates.
Before you book a call about Audit.
Spend Agent
Every expense checked against policy.
Tell us about your expense & vendor spend and we will size the agent on your actual numbers, then tell you plainly whether it is a fit.