AI EXPENSE MANAGEMENT · BUILT ON WHATSAPP
Stop chasing receipts.
Close month-end in hours.
AI expense management on WhatsApp. Employees submit receipts in seconds. AI catches fraud before it's approved. Built for finance teams at 50–300 employee companies.
No credit card required · 1 month free · 60-second setup
REME Expense Bot
Online · Always ready
Hi! Send me your receipt photo and I'll process your expense claim instantly 📸
✅ Receipt processed!
💰 Reimbursement queued for next payroll cycle.
Used by finance teams across Singapore, Indonesia, India, and Australia
Two reasons REME is different from every other expense tool
DIFFERENTIATOR ONE
The enterprise-grade expense platform built on WhatsApp
Every other expense tool needs an app, a login, and training. Half your team never bothers. REME runs on WhatsApp — the app already on every phone. Submission is one tap.
The result: 90%+ adoption in month one. Three minutes to first claim.
See how WhatsApp submission works →DIFFERENTIATOR TWO
AI catches fraud before it's approved — not during the audit
Most expense tools flag fraud during audit — months after the money's gone. REME's seven AI agents check every claim in 200ms — duplicates, currency mismatches, altered receipts, collusion. Caught before approval, not after.
The result: 8–12 fraud cases caught monthly. 70–85% reduction vs. manual review.
See the AI fraud engine →The numbers CFOs actually care about
Measured across companies onboarded over the last twelve months. Real customer data, not projections.
95%
Faster processing
vs. manual or spreadsheet workflows
Submission to approval
90%+
Employee adoption
in first 30 days
Because WhatsApp is already on every phone
8–12
Fraud cases caught
per month per company
Across all customer accounts
60%
Admin time saved
for finance teams
During month-end close
Four steps. Zero adoption risk.
The biggest reason expense tools fail isn't the tool — it's that nobody uses it. REME is built on the one app your team already has open.
Employee sends a receipt
Photographs a receipt, sends to the REME bot on WhatsApp. Nothing to download.
AI reads, checks, and classifies
Seven AI agents in parallel under 200ms — OCR, duplicates, currency, image forensics.
Manager approves in one tap
Manager sees a clean AI summary. One tap to approve.
Finance closes the loop
Claim flows to your accounting system. Reconciliation automated. Reports real-time.
What month-end actually looks like
The promise is "close month-end faster." Here's what that means in practice.
Three days of chaos
- 3 days reconciling expense reports across departments
- 47 emails chasing employees for missing receipts
- 12 spreadsheets, 3 versions of the truth
- 2 fraudulent claims paid (you find out next quarter)
- Approval queue stretches into the weekend
Two hours of review
- 2 hours reviewing pre-approved claims in one dashboard
- Zero emails — AI nudges employees on WhatsApp directly
- One source of truth, real-time, every department
- 8 fraudulent claims caught and quarantined this month
- Month-end closes on time, every time
Seven AI agents. Every claim. Under 200 milliseconds.
REME's AI fraud detection runs seven specialized agents in parallel on every claim. Each agent checks a different vector. The combined system catches patterns no single rule engine can find — and gets more accurate on your specific employees and vendors over time.
Customer outcomes
What finance teams say
after month one
Our staff actually enjoy submitting expenses now. The AI eliminated almost all manual entry errors — and we closed last month-end in two hours instead of three days. I didn't expect it to be this smooth.
3 days
shaved off every single close
Dimas Ismail
Finance Manager · NS2 · Indonesia
90%+
Employee adoption
in the first 30 days, across all seniority levels — including staff who'd never used an expense tool
"I've never used an expense app in my life. With REME I just send a photo on WhatsApp and it's done. Took me 30 seconds the first time."
Ravi Menon
Sales Lead · India
8–12
fraud claims caught every month
"We caught three duplicate claims in the first week alone. The AI flagged things our manual review had been missing for months. It paid for itself immediately."
Sarah Tan
CFO · Singapore
"We cut month-end close from four days to six hours. The fraud catches alone paid for REME in the first quarter. I wish we'd switched two years earlier."
4 days
→ 6 hours at close
Ahmad Fauzi
Group CFO · SmartGen · Malaysia
Works with what you already run on
REST API available for custom integrations.
REME vs traditional expense tools
If you've been burned by Concur, Expensify, or a spreadsheet-and-email workflow, here's what's different.
| Feature | REME | Traditional expense tools |
|---|---|---|
| WhatsApp submission | ✓ | — |
| AI fraud detection (7 agents) | ✓ | — |
| Real-time processing (<200ms) | ✓ | — |
| Zero training required | ✓ | — |
| Multi-channel submission | ✓ | Limited |
| Automated OCR | ✓ | ✓ |
| Approval workflows | ✓ | ✓ |
| Reporting & analytics | ✓ | ✓ |
Calculate your fraud exposure in 10 seconds
The ACFE 2024 Report found the median company loses 5% of revenue to occupational fraud. Here's how that translates to your numbers.
Estimated annual fraud loss
$18,720
REME catches 70–85% of this — typically $14,508/year recovered.
Estimate based on ACFE 2024 industry data. Your actual fraud rate depends on review process, employee tenure, and industry. REME's audit during onboarding gives you the exact number.
Questions CFOs ask before buying
REME is an AI-powered expense management platform built on WhatsApp. Employees submit receipts through a WhatsApp chatbot — no app download, no login, no training. Seven AI agents validate each claim in under 200 milliseconds, checking for fraud, duplicates, currency mismatches, and policy violations before the claim reaches a manager. REME is built for finance teams at 50–300 employee companies.
Three differences. Submission happens on WhatsApp instead of a dedicated app, which lifts adoption from 40–60% to 90%+ in month one. REME runs seven specialized AI agents in parallel on every claim rather than a single rules engine. And REME is built specifically for mid-market finance teams — 50–300 employees — where Concur and Ramp are over-engineered and Expensify is under-powered.
An employee photographs a receipt and sends it to the REME bot on WhatsApp. The bot runs OCR to extract all fields, runs seven fraud-detection agents in parallel, and responds within seconds. Passing claims go to the manager for one-tap approval. Flagged claims trigger clarification in the same WhatsApp thread. No app. No login. No training.
Yes. REME is SOC 2 and ISO 27001 certified. All data is encrypted in transit and at rest. WhatsApp messages use WhatsApp Business API with end-to-end encryption. Customer data is stored in isolated tenant instances and never used to train models.
99.9% field-level accuracy on typical business receipts. Totals reach 99%+, dates and merchants 97–99%, line items 90–95%. The engine is self-learning per company — accuracy improves on your specific vendors over time. Confidence scores are returned on every field.
WhatsApp (native), QuickBooks, Xero, SAP, Workday, Slack, Zapier, email, and REST API for custom integrations. Integration setup typically takes under 60 minutes with a REME customer success engineer.
REME offers a 1-month free trial with no credit card required. Pricing is per-seat and scales with company size. See pricing at /pricing.
60-second WhatsApp setup for small teams. For mid-market companies of 100–300 employees, typical full rollout is 3–5 business days, including accounting system integration and employee communication.
REME's seven-agent system catches the most common vectors: duplicate submissions, currency mismatches, amount inflation, image alterations, data inconsistencies, and cross-employee collusion. No system catches 100% of fraud, but REME typically reduces expense fraud losses by 70–85% versus manual review.
REME operates globally. Current concentration is Singapore, Indonesia, India, and Australia, with expanding presence across Southeast Asia, the UK, and the UAE. Multi-currency and multi-jurisdiction tax support (GST, VAT) is built in.
Most finance teams know what they want to fix. Few find time before next month-end.
Close the month on time. Starting this month.
Set up in 60 seconds. First receipt processed in 3 minutes. 80%+ adoption guaranteed in 30 days — or we waive the next 60 days.
Enterprise Security
SOC 2 & ISO 27001 Certified
99.9% Uptime
Guaranteed Reliability
Global Support
24/7 Customer Success
The Adoption Guarantee
If your team doesn't hit 80%+ adoption within 30 days, we waive the next 60 days of paid usage. We've built REME so your team uses it — and we put our pricing where our promise is.