Running a finance or HR team? People paid in a minute, suppliers paid their way, one monthly statementSee ExpenseOS for Finance →
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
How it worksControlsPricingAboutFAQJoin the design program

01Ask

The expense payments company · Agent spend: early access

Agents buy in seconds.Policy clears it first.You pay in a month.

Their autonomy. Your rules. One statement. Your AI agents can now buy the data, tools and services they need, paying per call over the x402 protocol. ExpenseOS puts your policy in front of every payment: the agent requests, your rules approve, the payment executes in seconds, and it settles on the same monthly statement as the rest of what your company owes.

ExpenseOS drafts & explains, never moves money

Hi, I’m ExpenseOS. Ask what x402 is, how agent budgets work, or how agent spend hits your GL.

Try asking
Bank-grade securitySSO/SAML + SCIMDual-admin controlsFull audit trailsHosted on AWS
0payments without policy approval
Secondsrequest to paid
1 statementhumans, suppliers and agents
Per agentbudgets · instant kill switch
$0seats · setup · contracts

02The problem

A corporate cardin an agent’s handsis not a control.

Agents don’t spend like people. They buy per call, around the clock, in payments too small and too many to review after the fact. Today the choice is a shared virtual card sitting in the agent’s environment, where finance finds out at month end, or no card at all, where the agent stalls every time it needs a paid service. ExpenseOS ends the choice: every payment is checked against your policy before it happens, arrives coded, and month-end becomes review, not archaeology.

1,000sPay-per-call purchasesWhat a single agent can make in a month. No one is reviewing those by hand.
0Receipts an agent will fileEver. The record has to be written at the moment of payment, or not at all.
0Payments outside policyWith ExpenseOS. Budget, payee and amount are checked before a cent moves.

The honest trade: pre-approval adds milliseconds, not minutes. Your agent waits for policy, never for a person, unless your policy says a person should look.

03The close

Watch an agent buy what it needs.

  1. 01
    Agent requestsFinds the service, requests payment over x402, tagged with the job it’s doing
  2. 02
    Policy clears itBudget, payee and amount checked in milliseconds. A human only when your thresholds ask
  3. 03
    Paid and postedSettles in seconds, lands coded to your GL, joins the monthly statement
Agent request · research agent
RAMarket-data API1,000 calls · per call over x402$14.20
GL 6220 · Data servicesCC 220 · ProductBudget $250/mo · 41% used✓ Approved payee

Tagged with the job it’s doing

Policy check · 300 ms
RAMarket-data API1,000 calls · per call over x402$14.20
Payment executedover x402 · seconds$14.20
Posted · on the statementJE-5107 · Sep 12
6220Data services · DR$14.20
2100Agent spend payable · CR$14.20
Synced to your accounting system

Joins the monthly statement

04Controls

You write the policy.The AI enforces it. On other AIs.

4.1

In policy? Paid in milliseconds.

Payments inside the agent’s budget, to approved payees, at approved amounts, clear the moment they’re requested. The stringent test is yours: you wrote it, ExpenseOS just runs it, at machine speed.

4.2

Outside it? A human.

New payees, amounts over threshold, or unusual patterns route to the right approver, same limits, dual control and maker-checker as the rest of your spend. An agent can’t widen its own authority, and it can’t approve itself.

4.3

Every call on the record.

Per-agent, per-payee, per-call: every payment logs what was bought, which rule cleared it, and what it cost. Pause any agent instantly. Give auditors a read-only seat and export any period in one click.

05How the money works

Whose money,where it sits.

5.1

One monthly statement

Agent spend joins reimbursements and supplier payments on the same statement: a standard trade payable to ExpenseOS at your flat rate. Never a credit line, no interest, no draw on your facilities.

5.2

Agents never hold your money

Payments execute from batch-exact allowances under spend permissions. An agent can never spend more than the allowance your policy set, and unspent allowance returns the same day.

5.3

Fund it your way

Settle by autopay, or hold a balance in the company vault, a segregated account with regulated partners, never a balance on ExpenseOS’s books. Your rate is the same either way.

Sample statement · SeptemberSettled monthly · autopay
Reimbursements · 214 expenses$128,410.22
Supplier payments · 36 bills$342,780.00
Agent spend · 3,204 paymentsnew$2,614.80
Platform rate 1%agents included$4,738.05
One payable to ExpenseOS$478,543.07

A sample statement · standard trade payable · never a credit line

06Why we built this

“Every generation of spend got its statement. Diners Club for dinners, American Express for travel, WEX for fuel. Agents are the first spender born without one. We built the statement before the mess.”
The founding team · ExpenseOS
Backed by · Built onNVIDIA InceptionPowered by AWS

07The platform

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

01Agent spendEarly accessPer-agent budgets, pre-payment policy checks, x402 execution, one statement. Join the design program.→02Employee expensesInstant reimbursement on their own card. They keep the points; you get clean coding.→03MCP & chatApprove and expense right in Slack, Teams or Claude. The agent drafts; you approve. This product’s seed.→04Vendor paymentsApproved bills paid the best way each supplier accepts, and your rate on everything drops from 1.5% to 1%.→05Cards & benefitsSoonVendor virtual cards are live today; employee and benefits cards are rolling out next.→06SecurityBank-grade controls, SSO/SAML, SCIM, dual-admin on money movement.→07Savings calculatorWhat keying, float and churn cost you today, and what ExpenseOS hands back.→

08Bring your engineers

Bring your engineers.Half of this is theirs.

8.1

Works where your agents live

x402 is an open standard. ExpenseOS’s payment tools drop into agents built on Amazon Bedrock AgentCore and any x402-capable stack, no payment plumbing to write.

8.2

Minutes to connect

Point your agent’s payment tool at ExpenseOS, set the budget with finance once, done. Engineers get unblocked agents; finance gets the console.

8.3

Budgets engineers can live with

Inside the budget, agents never wait on a human. Outside it, the request routes and the agent keeps working on everything else.

09Join the design program

Approve,don’t chase.

Agent spend is in early access. Join the design program: shape the controls, and the first teams get 1% on everything for year one, agents included.

No spam. A short walkthrough mapped to your agents.

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

Prefer a walkthrough first? Book a demo →
Works where your agents livex402 · Amazon Bedrock AgentCore · any x402-capable stackPosts itself toQuickBooksNetSuiteSAPXeroSage