Spend Management & Finance Operations Platform

Unified finance operations platform combining spend management software, corporate card infrastructure, and payment capabilities for Web3 businesses and modern companies.

Dashboard & Budgets: Centralized view of all spending across cards, accounts, and payment methods with real-time transactions. Create budgets for teams, departments, projects, or cost centers with monthly/quarterly/annual periods, fixed or percentage-based allocations, and automatic reset/rollover. Automated alerts when thresholds approached, limits exceeded, or unusual patterns detected.

Corporate Cards: Prepaid business cards, business debit cards, and instant virtual cards. Support up to 20 cards (Business Tier), 50 cards (Business Plus), 51+ cards (Enterprise), with unlimited virtual cards on higher tiers. Granular spending limits per card/user/team with category restrictions, merchant controls, and time-bound validity. Usable in 21 currencies without foreign transaction fees (USD, EUR, GBP, AUD, CAD, CHF, etc.) across Mastercard's 190+ country network, eliminating typical 2-3% overseas charges.

Transaction Management: Mobile receipt upload via app with OCR extraction. Auto-categorization based on merchant codes and patterns. Custom tagging for client billing codes, project IDs, campaign codes, department allocations. Split transactions across multiple budgets/projects.

Workflow Automation: Fund request system for additional budget or one-time expense approvals. Multi-tier approval hierarchies based on amount, category, user level, budget ownership. Enforce receipt requirements above thresholds with auto-reminders.

Payment Processing: Bulk payment processing - upload/execute up to 10,000 payments via CSV for international payroll, supplier runs, commissions, dividends. Recurring payments with configurable frequency. Complete audit trail with timestamps, user attribution, approval workflows, and status.

Permissions: Role-based access control (Viewer, User, Junior Accountant, Finance Manager, Admin, CFO/Owner) with custom permissions scoped by team/budget/business unit. Unlimited user seats on all tiers - no per-seat licensing.

Integrations: Auto-sync with Xero and SAP Concur - transactions, receipts, categories, and approvals flow automatically. API access for ERP systems, BI platforms, or proprietary systems.

Reporting: Pre-built reports for spending by category/user/team/time, budget vs actual, merchant concentration, card utilization, variance analysis. Custom report builder with date ranges, filters, groupings. Platform identifies duplicate subscriptions, vendor consolidation opportunities, budget reallocations, and cost savings.

Mobile Apps: iOS and Android with real-time notifications, receipt photo capture, expense categorization/approval, budget monitoring, instant card pause/resume, and funds requests.

Web3 Use Cases: Digital asset companies separate operational spending from crypto treasuries with clear audit trails for compliance. Fast-growing startups scale controls as headcount grows. Remote/distributed teams get virtual cards without shipping logistics. Project-based spending with dedicated budgets. Multi-entity organizations manage subsidiaries within single platform.