Brex

Brex is an AI-powered finance platform that combines corporate cards, business banking, expense management, bill pay, travel, and accounting automation into a single system for companies of all sizes. Founded in 2017 by Henrique Dubugras and Pedro Franceschi, Brex set out to fix the problem of early-stage startups struggling to get corporate credit, and has since grown into a full financial operating system used by more than 35,000 companies, including Anthropic, DoorDash, SeatGeek, and Robinhood, processing tens of billions of dollars in transactions annually across 120+ countries.

At the core of Brex's platform are AI agents that eliminate manual finance busywork. The Brex Assistant handles employee expenses automatically, writing memos, fetching receipts, answering policy questions, and filing reimbursements without human intervention. Audit and review agents monitor company spend around the clock, auto-approving low-risk transactions, escalating exceptions, categorizing potential policy violations by risk level, and catching anomalies before they become costly problems. Finance teams can train these agents on their own expense policies and standard operating procedures, and the agents get more precise over time based on ongoing feedback.

Beyond expense automation, Brex applies AI to bill pay and accounting. The platform uses AI to capture itemized invoice details, suggest matching purchase orders, draft payments, and route approvals automatically based on amount, vendor, or role. On the accounting side, Brex auto-codes transactions to the general ledger, syncs with thousands of ERP systems, and lets finance teams book accruals and close their books daily instead of monthly. Brex also offers a business account with competitive yield, global multi-entity support, live budgets, real-time reporting, and a documented API for teams that want to build custom integrations.

Brex is built for startups, mid-size companies, and global enterprises that want to consolidate their financial stack and reduce manual finance operations. Startups get a complete card and banking solution to launch and scale, mid-size companies get AI-powered budgets and multi-entity controls as they grow internationally, and enterprises get compliance automation and dedicated support for complex, high-volume spend management.

Brex offers three main plans. Essentials is $0 per user/month and includes global card acceptance, one local card program, AI-powered custom rules, up to two entities, accounting integrations, local currency wires, free travel booking, real-time reporting, API access, bill pay, and reimbursements. Premium is $12 per user/month and adds multiple customizable expense policies, dynamic expense review chains, AI-powered compliance audit detection, advanced approval chains, multi-entity support (US and international), customizable ERP/HRIS integrations, VAT documentation, group travel, and live budgets. Enterprise uses custom pricing and adds unlimited entities, local card issuance, a named account manager, an admin center, and fully customizable implementation services. Brex also offers a separate Smart Card procurement product with custom pricing for global, local-currency cards in 50+ countries.