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 →
OverviewAgentic travel & expense management
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 expensesTravelSupplier paymentsBenefits cardsSoonMCP & chatSavings calculatorAgent spendEarly accessIndustriesComparePricingResourcesAboutFAQBook a demo

01Ask

Agentic Travel & Expense Management · Every purchase approved before the money moves.

People paid in a minute.Suppliers paid on time.You settle once a week.

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 cashback against your fee. You settle it all on one weekly statement.

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
0.5%when we move money for you
Up to 1%back when you pay with the ExpenseOS card
$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 paperwork is the smaller leak. Travelers who book out of policy cost $2,881 more per year each (GBTA Foundation), and expense fraud runs 18 months before it is caught (ACFE 2024). ExpenseOS closes both the same way: the purchase is approved before the money moves.

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, $300K of supplier spend with half on card, report processing, expense software and supplier payments cost $7,200 a month today, while the platform pays you $500 a month as a founding customer (1% cashback on the $150K paid by card, less half a point on the $200K moved without a card), before counting what out-of-policy booking costs you: 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. On a trip over its cap, the employee can cover the difference instead, and you pay the in-policy amount, never more. 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.

4.4

Start from a pack. Change it in a sentence.

Day one: start from the policy pack for your industry, built for professional services, software and technology, field services and construction, life sciences, nonprofits, government contractors, property management or home health and home care. From then on, change budgets and policy on screen or in a sentence. ExpenseOS shows every change it would make, and nothing changes until you confirm.

The ExpenseOS app's Budgets screen previewing the sentence Keep travel under $30K this quarter, client work first: the travel budget goes from $48,000 to $30,000 a quarter, non-client trips over $4,000 go to an approver, and nothing changes until finance confirms
A real screen from the app: the sentence, how it was read, every change with its reason.

05How the money works

Whose money,where it sits.

5.1

One statement, every week

Your people are paid the minute an expense clears policy. You settle one weekly statement, a standard trade payable to ExpenseOS: half a point on every dollar moved without a card, less the cashback your card payments earned. Never a credit line, no draw on your facilities.

5.2

One rhythm, by autopay

Settle by autopay from your bank account each week. If the cashback on your card payments is larger than the fee on everything else, the difference is paid to you. Enterprise terms, including prefunded arrangements, by conversation. The product is identical either way.

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.

Weekly statement · June 8 to 14Settled weekly · autopay
Reimbursements · 214 expenses$128,410.22
Supplier payments · 36 bills$342,780.00
Fee 0.5% moved without a card$1,499.00
Cashback 1% on card-paid bills−$1,713.90
One payable to ExpenseOS$470,975.32

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 week.”
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 Claude or ChatGPT, with Slack and Teams soon. 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.→06Supplier paymentsApproved bills paid the way each supplier accepts, more of them on card, where every payment earns cash back against 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

Every trip is checked against policy before anyone books, and over a cap people can cover the difference instead of being turned down. 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.

Nothing to rip out, nothing to cancel

ExpenseOS works alongside the cards and payment programs you already have: keep the corporate card program, keep the bank-pay runs and retire the expense tool. Upload the card program’s statement and ExpenseOS reads every line, checks it against the statement’s own totals, matches it to the expenses and receipts it already has and asks cardholders only about what’s left. There are no seats and no software fee, so running it next to them costs nothing, and you pay only when we move money for you. Most teams start with reimbursements and supplier payments, leave everything else where it is, and shift more volume when the numbers argue for it.

The appWeb · iOS · Android soonPosts itself toQuickBooksXeroNetSuiteSage IntacctMicrosoft Dynamics