Just an employee? Expense reports that write themselves, free in ChatGPT or ClaudeSee ExpenseOS™ for employees →Deploying AI agents? Give them a policy and a statementExpenseOS™ for Agents →
For finance & HR teamsInstant reimbursement, benefits, clean books
For employeesKeep your points · get paid back
For AI agentsA policy and a statement for every agent
Employee expensesBenefits cardsSoonMCP & chatSavings calculatorAgent spendEarly accessComparePricingResourcesAboutFAQBook a demo

01Ask

The intelligent payments company · A happier team. A lighter close.

People paid in a minute.Suppliers paid on time.You settle on your schedule.

We run your expense payments. You review exceptions. Your team spends on their own card, keeps every reward, and is paid back the minute it clears policy. Suppliers are paid on time, and their card spend earns credits that pay down your fee. You settle it all on one statement, on your schedule.

ExpenseOS™ drafts & explains, never moves money

Hi, I’m ExpenseOS™. Ask how the coding works, how fast your people get paid back, or whether you can still issue company cards.

Try asking
Bank-grade securitySSO/SAML + SCIMDual-admin controlsFull audit trailsHosted on AWS
60 secapproval to paid
100%of points stay with your people
0.25% → 1%you pick when you settle
Up to 1 moof float, on the monthly plan
$0seats · setup · contracts

02The problem

Cards or no cards,it ends in an expense report.

Corporate card programs bury you in statements, receipts and reconciliation, and the company keeps your people’s rewards. Pure reimbursement makes your people front the cash for weeks. Both funnel into the same artifact: the expense report. ExpenseOS™ deletes it: every receipt arrives coded, your policy runs the test, and month-end becomes review, not repair.

$58To process one reportGBTA’s industry average, plus 20 minutes of someone’s time.
19%Come back wrongEach error costs another $52 and 18 minutes to fix (GBTA).
0Expense reports with ExpenseOS™Receipts arrive coded and policy-checked. Nothing to file, nothing to key.

Source: GBTA Foundation & HRS, “Expense Reporting: Global Practices and Pain Points”

The honest trade: employees keeping points means the company gives up its corporate-card rebate (~1% of T&E spend). On the calculator’s default example, report processing, expense software and supplier payments cost $6,750 a month today, while the net ExpenseOS™ cost is $125 on the Prefunded plan, run your numbers.

03The close

Watch an expense close itself.

  1. 01
    Coded from the receiptAccount, cost center, project. Done before it reaches you
  2. 02
    You approveOne tap, only when your policy asks
  3. 03
    Posted to your booksNo exports, no keying, no month-end pile
Routed to you · over meal limit
DKDana KimClient dinner · Sona, Chicago$482.10
GL 6045 · Client mealsCC 310 · SalesPRJ · QBR-Austin✓ Receipt matched

Coded before it reached you

One tap
DKDana KimClient dinner · Sona, Chicago$482.10
Reimbursement released60s after approval+$482.10
Posted · nothing keyedJE-4821 · Jun 6
6045Client meals · DR$482.10
2100Reimbursements payable · CR$482.10
Synced to your accounting system

Nothing to key at close

04Money you can trust to AI

You write the policy.The AI enforces it.

4.1

In policy? Paid instantly.

Expenses that pass your policy and the AI’s review reimburse the moment they clear. The stringent test is yours: you wrote it; ExpenseOS™ just runs it. Bring the policy doc you already have, the AI drafts the rules from it and our team reviews every one with you.

4.2

Everything else? A human.

Over-limit, off-policy or unusual spend routes to the right approver: limits, dual control, maker-checker. The AI can’t widen its own authority, and vendor payments always carry a human release.

4.3

Every dollar on the record

Policy-approved or human-approved, every movement logs who, or what rule, cleared it, and every expense is coded and posted to your books automatically. Give your auditors a read-only seat, and export any period, receipts, coding and approval log, in one click.

05How the money works

Whose money,where it sits.

5.1

One statement, on your schedule

Your people are paid the minute an expense clears policy. You settle one statement, a standard trade payable to ExpenseOS™ covering every dollar moved at your plan rate, less the credits your supplier card spend earned. Never a credit line, no interest, no draw on your facilities.

5.2

Fund it your way

Prefund a balance in a company vault, a segregated account held with regulated partners, never a balance on the ExpenseOS™ books, and pay the lowest rate. Or settle by autopay twice a month like payroll, or once a month with a full month of float. The product is identical; only the cadence and the rate change.

5.3

Employee wallets are theirs

Reimbursements land in a wallet the employee owns, held with regulated partners, not on your books and not on ours. They spend from it or move it to their bank anytime.

Monthly statement · JuneSettled monthly · autopay
Reimbursements · 214 expenses$128,410.22
Supplier payments · 36 bills$342,780.00
Plan fee 1% monthly statement$4,711.90
Supplier card credit 0.5% on card-paid bills−$856.95
One payable to ExpenseOS™$475,045.17

A standard trade payable · never a credit line

06Why we built this

“We watched our own teams front travel on personal cards, hand their points to a corporate program, and wait weeks to be paid back, while finance drowned in the reports. The fix isn’t another expense tool. It’s making the payment itself instant, and settling once a month.”
The founding team · ExpenseOS™
Backed by · Built onNVIDIA InceptionPowered by AWS

07The platform

The chat is the front door.This is the platform.

01Employee expensesInstant reimbursement on their own card. They keep the points; you get clean coding.→02Cards & benefitsSoonVendor virtual cards are live today; employee and benefits cards are rolling out next.→03MCP & chatApprove and expense right in Slack, Teams or Claude. The agent drafts; you approve.→04Savings calculatorWhat keying, float and churn cost you today, and what ExpenseOS™ hands back.→05SecurityBank-grade controls, SSO/SAML, SCIM, dual-admin on money movement.→06Vendor paymentsOptional: approved bills paid the way each supplier accepts, and every supplier payment made by card earns a credit that pays down your fee.→Your agents can join the same statement → ExpenseOS™ for Agents

08For your HR team

Bring HR.Half of this is theirs.

8.1

Benefits, consolidatedSoon

Coming soon: every program on one card, wellness to pre-tax commuter, each as its own stipend. Your HR team owns the programs; finance only sees the funding. It often retires a separate lifestyle-benefits vendor.

8.2

A hiring & keeping edge

Points kept, paid back in a minute, perks with zero forms, the everyday experience that helps you hire and keep the best people, down to how a Tuesday-night work dinner gets paid back.

8.3

Care & fairness built in

Trips are watched and rebooked through disruptions, with human support when it matters. Nobody is required to front money they don’t have, and access follows the employee, on at day one, off at offboarding.

09Book a demo

Approve,don’t key.

A short walkthrough mapped to your team. ExpenseOS™ runs alongside what you run today, nothing to rip out first.

No spam. A short walkthrough mapped to your team.

Thanks, we’ll be in touch to schedule your walkthrough.

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