Every currency.
One source of truth.
Xpense is expense management built cross-border-first. Snap a receipt in any currency, watch it normalize to your base currency with the right tax category, and give finance one real-time view of spend — across every team, contractor, and jurisdiction.
Nomad Coffee Roasters
Lisbon, Portugal•Today, 09:14 AM
Your team isn't at HQ.
Your tools shouldn't assume it is.
Remote-first companies run on many currencies, many tax jurisdictions, and contractors working alongside employees. Every existing tool treats that as the edge case. We treat it as the default.
Ramp · Brex · Pleo · Payhawk
Brilliant — if you're one legal entity billing in one domestic currency. Cross-border spend is bolted on afterward as a conversion nightmare.
- Assume a single corporate HQ entity and one base currency.
- International contractors treated as an afterthought vendor.
- Multi-jurisdiction tax (VAT/GST/Reverse charge) dumped onto manual spreadsheets.
Wise · Revolut · Airwallex
They move currency beautifully across rails — but they were never built to be an expense system of record with corporate audit policies.
- No approvals hierarchy, spending policies, or dual-custody audit trail.
- No intelligent receipt capture, line-item categorization, or OCR parsing.
- No reconciled ledger view for finance closing month-end books.
Distributed teams stitch two or three tools plus spreadsheets. Xpense is the one system that speaks every currency natively.
The whole loop, in one place
Capture, normalize, approve, and reconcile — with the cross-border intelligence no domestic incumbent owns.
Capture in any currency
Snap or forward a receipt. OCR reads it, normalizes to your base currency instantly, and suggests the right tax category — the one shot no other tool does.
Kill hidden FX leakage
See the mid-market rate and our margin as an explicit, fair line item — every time. We monetize on convenience, never on opacity.
Approvals across time zones
Every expense routes to the right approver with full context, so an async team in six countries never blocks a reimbursement.
Multi-jurisdiction tax
Spend is categorized correctly for each tax regime automatically — VAT, GST, and local rules handled on a natively multi-currency ledger.
One real-time view
Every team, cost center, contractor, and currency in a single reconciled ledger — so finance always knows the real number.
Pay contractors locally
Contractors and employees, side by side — reimbursed in their local currency, through the payout rails you already trust.
From receipt to reconciled in seconds
The moment of value — before any complex org setup, before any spreadsheet.
Capture
Snap a photo on mobile, forward an email receipt, or drag & drop a PDF. High-resolution OCR extracts merchant, amount, tax, and date regardless of language or script.
Capture
Snap a photo on mobile, forward an email receipt, or drag & drop a PDF. High-resolution OCR extracts merchant, amount, tax, and date regardless of language or script.
Normalize
Xpense converts to your base currency at the real-time interbank rate, highlights FX margin transparently, and applies local tax jurisdiction rules automatically.
Reconcile
Smart multi-timezone approvals route to the right managers. Once approved, books synchronize directly with QuickBooks, Xero, NetSuite, or your data warehouse.
Every number, finally trustworthy
Consolidate 10+ countries, multi-currency wallets, and contractor invoices into one synchronized command center.
Calculate your cross-border leakage
Domestic spend cards quietly skim 2% to 4% in hidden foreign exchange spreads, while distributed tax compliance devours finance hours.
Xpense charges zero hidden FX spread. Compare that to the standard 1.5% - 3.5% foreign transaction fee on traditional corporate cards.
The gap between spend tools and money tools
Neither category was built for a company that lives in every time zone. Xpense is.
Help shape the cross-border category
We're onboarding a small group of distributed startups (5–50 people) into private beta. Get early access, shape the roadmap directly with the founding team, and lock in founding-member pricing forever.
Prefer to hang out first? Join our builder community and co-design the future of borderless spend.
Join the Community DiscordGood to know
Everything you need to know about our cross-border engine, seats, pricing, and integrations.