System of Record · Finance & Legal
OwnExpense
Spend. Cards. Travel. Compliance. Unified.
An AI-native platform that consolidates expense capture, corporate cards, reimbursements, travel, vendor intelligence, and tax compliance into one operational surface — purpose-built for finance leaders who run multi-entity businesses.
In week one. Not year one.
01
A photographed receipt becomes a coded expense before the employee leaves the taxi.
02
Managers only see judgement calls — in-policy expenses approve themselves on submission.
03
Every expense carries its receipt, policy trace, and GL posting on one page when the auditor asks.
And the SAP Concur renewal stops being a line item — the replacement is an asset you own. Run your numbers →
What sets it apart
OwnScan: AI receipt extraction in under 5 seconds from photo, email, WhatsApp, or card feed
OwnCard issuance in 30 seconds plus bring-your-own Visa, Mastercard, or Amex
PolicyAgent auto-approves 60–80% of in-policy expenses — managers see only judgement calls
Multi-entity, multi-currency with per-entity payment rails and compliance rules
Key Capabilities
CFO Command Deck
Committed spend, policy compliance, approval SLAs, and budget burn across every entity in a single canvas.
OwnScan Capture
AI receipt extraction from photo, email, WhatsApp, Slack, or card feed — 180+ languages, multi-currency, itemised hotel folios.
PolicyAgent + Approvals
In-policy items auto-approved on submission. Soft flags and hard blocks route to managers with agent rationale attached.
OwnCard + BYOC
Issue virtual or physical OwnCards in 30 seconds, or ingest any Visa/Mastercard/Amex feed — same controls, same audit trail.
Travel & Per-Diem
Policy-aware booking, per-diem auto-settle, carbon footprint tracking, and multi-entity trip budgets in one view.
Reimbursements
Payroll-linked or same-day settlement via ACH, UPI, SEPA — pick the rail per entity, run the batch in one click.
Who it’s for
One dashboard for committed spend, policy compliance, approval queue health, and budget exposure across every entity.
Every expense carries its own audit trail — receipt, policy trace, approval timeline, and GL posting on one page.
Snap a photo, forward an email, or swipe a card — OwnScan codes the expense and PolicyAgent routes it. Sub-30-second submission.
Perpetual Licence
OwnExpense is available as a perpetual licence. You own the software forever. Deploy on your infrastructure. No annual renewals, no per-seat pricing, no vendor lock-in. Prefer OpEx? A managed subscription is available too — switch between the two anytime, nothing to re-buy.
Every screen here also works without the screen.
OwnExpense implements the Own360 headless spec: a standard /api/v1 surface with OpenAPI, cursor pagination, idempotent writes, and entity.changed events — drivable from its own CLI, any HTTP client, MCP tools generated straight from its OpenAPI, and the OwnAgents runtime.
$ ownexpense entities # 7 entities
$ ownexpense expense list --limit 20
$ ownexpense expense create --data '{…}'
$ ownexpense domain submit_reportThe generated OwnExpense CLI — every entity and domain op, OwnAuth-authenticated, idempotent by default.
Entities
Domain ops
7 verified agent tasks · 2 cross-app workflows
- OwnExpense → OwnBooks — OwnExpense report submitted → OwnBooks payment record referencing it
- OwnHRMS → OwnExpense — OwnHRMS new hire -> OwnExpense relocation report carrying the employee id
Inside OwnExpense
The full story — why it exists, what it replaces, every capability in detail, and real product screens.