How Brex is Powering Agentic Finance

By building AI-native APIs and automating global spend, Brex is replacing manual accounting with autonomous agents for a real-time close.

A wholly owned subsidiary of Capital One, Brex has evolved from a standard corporate card provider into a global, intelligent finance platform operating in more than 200 markets.

Today, it serves as the autonomous financial infrastructure powering tens of thousands of the world's most hyper-growth companies, including OpenAI, TikTok and Anthropic. By replacing manual workflows with agentic automation, the platform is fundamentally reshaping how modern enterprises control spend and accelerate operations.

Eliminating the month-end bottleneck

Brex has already driven massive operational efficiencies. In 2025, Brex’s AI-powered automation reclaimed more than 208,000 hours per month for its customers, effectively freeing up more than US$163m in annual salary dollars previously wasted on manual chores.

Today, automation entirely handles nearly 70% of all expenses on the platform. The ripple effect is clear: managers can now review expenses six times faster, and accounting teams can close their books in a third of the time, transforming finance departments from operational bottlenecks into strategic engines.

It is at the forefront of accounting automation, having designed an Accounting API designed to automate accounting workflows end-to-end and enable deeper, real-time integrations with enterprise resource planning (ERP) systems and other key integration partners.

Traditional corporate accounting has long been bottlenecked by a frustrating ritual: the monthly scramble of batch exports, manual CSV uploads and tedious reconciliation. These fragmented workflows introduce errors and delays that force finance leaders to look backward rather than strategically forward.

Brex’s AI-native Accounting API aims to retire this legacy process entirely. By establishing a continuous, two-way data flow between Brex and enterprise resource planning (ERP) systems, transaction data is captured and enriched the moment a card is swiped.

Launching first with AI-native ERPs Rillet and Campfire, the API automatically executes expense coding and synchronisation in real time, shifting companies away from the traditional monthly close toward a state of permanent, audit-ready accuracy.

“With accounting, accuracy and speed can’t be trade-offs,” says James Reggio, CTO of Brex.

“Our AI-native Accounting API brings intelligent automation and real-time, enriched data to finance teams and their ERP partners, executing work like coding transactions and preparing exports on their behalf so they can close the books faster with confidence.”

Real-time synchronisation and visibility

The Brex Accounting API unlocks:

• Two-way data sync to capture all accounting data finance teams need upfront and nothing they don't. Key accounting fields flow from ERPs into Brex so all policy is enforced with business context captured at the point of transaction.
• Real-time webhooks and expanded endpoints that notify accounting systems the moment transactions happen, eliminating batch processing and manual updates.
• Deep integration with Brex's Accounting AI workflows and automations, allowing finance teams to automate the entire accounting process, from swipe to close.

Brex has been enlisted by OpenAI to help power its global spend and financial operations. The company now plays a growing role at the centre of the AI ecosystem and further cements its position as a key financial backbone for the world’s leading AI companies.

Companies are choosing Brex’s AI-native corporate card and spend management platform for global issuing and facilitating payments, real-time visibility and automation. Brex enables finance teams to eliminate manual work, maintain rigorous controls and support growth at scale with confidence.

"OpenAI is operating at a scale and speed that few companies in the world ever reach," says Pedro Franceschi, CEO of Brex.

“I'm excited for Brex's agentic technology to support OpenAI as we continue to help companies ensure speed and control in finance move in parallel."

Autonomous workflows for scale

In addition to the Accounting API, Brex also recently introduced new AI-driven accounting capabilities designed to further eliminate manual work and reduce errors:

• Accounting Workflows: New Brex workflows can automatically prepare and send expenses to ERPs without human intervention. In just the first few months, customers have already eliminated 10,000+ hours of manual work.
• AI-Driven Expense Coding: Brex AI continuously learns and suggests the best value for every field employees have to fill in. In addition, Brex AI identifies patterns and suggests rules and mappings for perfect accuracy and control in auto-coding expenses.
• ERP Validation Rules: Brex can now automatically understand data constraints coded within ERP systems and enforce them within Brex to ensure expenses are coded correctly from the start.

Together, these capabilities help finance teams maintain audit-ready data at all times and turn month-end close into a predictable, continuous process.