Agentic spend control.
Any corporate card.
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.
Spend policy. In English. In effect.
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.
- 01Plain-English policy authoring. CFO writes it once, agent enforces it everywhere — by employee, by team, by vendor category.
- 02Real-time decline-or-allow at swipe time. Policy breaches blocked at the network level, not flagged after the fact.
- 03MCC-aware. Hotel category, flight category, fuel, dining — each can have its own ceiling, frequency cap, time window.
- 04Exception workflow. When a policy breach is justified (client dinner over cap), one-tap manager approval lifts the block.
- 05Bank-agnostic. Works across HDFC, Axis, SBI, Kotak, Yes corporate cards — and international issuers for cross-border teams.
Every swipe. Tagged. Receipted. Booked.
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.
Receipt nudge
on swipe
Push notification within 60 seconds. Snap and forget. The agent OCRs it, matches the swipe, and closes the loop.
MCC + merchant + project
Knows the difference between client dinner and team offsite, between travel cab and grocery cab, between training and entertainment.
Cost centre at point of swipe
"Which client?" "Which project code?" answered once per trip, applied to every swipe in that trip automatically.
Vendor GSTIN
extracted
From the receipt PDF — ITC eligibility flagged where applicable. ITC claimed in your next GSTR-3B cycle.
Sub-policies
per geography
Per-diem allowance by city tier. Mileage rates by car class. Automatic top-up if travel justifies it.
Out-of-pocket
reconciled too
For the few cases where the card can't go (cash-only stalls, internal transfers), same workflow — same audit trail.
Spend velocity. Compounding signal.
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.
- 01Live burn — by department, by project, by vendor category. Spot a runaway category in the morning, not next month.
- 02Vendor concentration — when one supplier crosses an internal threshold, an alert reaches your CFO automatically.
- 03Anomaly detection — out-of-band swipes (geography, time of day, MCC) flagged in real time for review.
- 04Smart Ledger write-back — every swipe posts the right journal entry to Tally / Zoho / NetSuite with full attribution.
- 05One source of truth — recon, AP, GST, expense — all read from the same tagged swipe in Smart Statement.
Spend control.
Without the plastic switch.
Open's spend agent works with the corporate cards your team already carries — adding policy, attribution, and audit-grade live visibility.