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 employeesKeep your points · get paid back
For finance & HR teamsInstant reimbursement, benefits, clean books
For AI agentsA policy and a statement for every agent
Employee expensesBenefits cardsSoonMCP & chatSavings calculatorAgent spendEarly accessComparePricingResourcesAboutFAQBook a demo

01Ask

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

People paid in a minute.Suppliers paid their way.You pay in a month.

Their card. Their points. Your clean books. Your team spends on their own card, keeps every reward, and is paid back the minute it clears policy. Suppliers are paid the way they accept, and connecting them drops your rate on everything to 1%. You settle it all on one monthly statement and review only the exceptions.

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
1.5% → 1%one rate on money moved
~2 wksof float, settled monthly
$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 ExpenseOSReceipts 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). At $58 a report plus close time, the paperwork usually costs more than the rebate returns, 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 monthly statement

Your people are paid the minute an expense clears policy. You settle one monthly statement — a standard trade payable to ExpenseOS covering every dollar moved that month at your flat rate. Never a credit line, no interest, no draw on your facilities.

5.2

Fund it your way

Settle by autopay from your bank account, or hold a balance in a company vault — a segregated account held with regulated partners, never a balance on ExpenseOS’s books. The vault is a convenience, not a requirement: your rate is the same either way, and nothing is ever prefunded unless you choose to.

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
Platform rate 1.5% 1%payments connected$4,711.90
One payable to ExpenseOS$475,902.12

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 best way each supplier accepts — and your rate on everything drops from 1.5% to 1%. Card payments generate the economics; we pass them back through your price.→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.

Launch Partners: first 20 teams get 1% on everything for year one →
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