Open's spend agent layers policy guardrails, approvals, and live attribution on top of every corporate card your team already carries. No new plastic to ship. No new bank to onboard. Every swipe lands in Smart Statement — categorised, reconciled, attributed.
Write your policy the way you'd write it for an analyst — "engineering travel under ₹50k, no premium-economy international, no alcohol on expense" — and the spend agent enforces it at the moment of swipe. Not at month-end reconciliation.
The spend agent pings the cardholder for a receipt at the moment of swipe. OCRs the receipt. Categorises the expense. Attributes to the right project. Posts to the right ledger code. Zero month-end submission scramble.
Push notification within 60 seconds. Snap and forget. The agent OCRs it, matches the swipe, and closes the loop.
Knows the difference between client dinner and team offsite, between travel cab and grocery cab, between training and entertainment.
"Which client?" "Which project code?" answered once per trip, applied to every swipe in that trip automatically.
From the receipt PDF — ITC eligibility flagged where applicable. ITC claimed in your next GSTR-3B cycle.
Per-diem allowance by city tier. Mileage rates by car class. Automatic top-up if travel justifies it.
For the few cases where the card can't go (cash-only stalls, internal transfers), same workflow — same audit trail.
Every swipe lands in Smart Statement the moment it clears. Spend by team, by vendor, by category, by entity — refreshed live. Not last week's expense report. This morning's burn.
Open's spend agent works with the corporate cards your team already carries — adding policy, attribution, and audit-grade live visibility.