Meet your finance AI agents: a new way to manage bills and expenses

Finance teams already have assistants. Now they have AI agents.

Picture this: A sales manager grabs lunch with a client. In the past, turning that receipt into a reimbursed expense meant hours of coding mistakes, approvals, and repeated follow-ups. Today, our Expenses agents handle it instantly – matching the charge, coding it correctly, and auto-approving compliant expenses. Back at the office, the AP agent processes an invoice from the same vendor, matches it against the purchase order, and flags a duplicate line item. Across both transactions, embedded risk controls quietly catch anomalies, prevent fraud, and enforce policy—keeping spend safe without slowing teams down

Multiple agents. One seamless process. Hours of busywork, gone in minutes. That’s the promise of Airwallex Spend: not abstract AI, but digital teammates you can trust across every layer of finance.

Why your finance team needs agents today

AI in finance often feels futuristic but impractical. Finance leaders need reliability, not hype, and employees want speed, not another tool to learn.

Agents bridge that gap. Each is role-specific, with defined responsibilities and transparent outputs. That makes them easy to trust and adopt, whether you’re submitting an expense, approving a bill, or monitoring spend across a global organisation.

Your digital teammates: Expenses and AP

Expenses agents

The Expenses agents take the headache out of everyday employee transactions. Powered by an AI receipt-matching agent, receipts from email, mobile, or web are automatically matched and coded, with intelligent automation rules suggested along the way.

An AI policy agent then evaluates each expense in real time: compliant expenses are approved instantly, out-of-policy items are flagged, and duplicate receipts are caught before they create errors, keeping reimbursements fast while enforcing spend controls.

AP agent

The AP agent streamlines accounts payable. Bills are auto-filled with accounting information when vendor rules are missing, and invoices are matched against purchase orders and line items. Any exceptions are flagged for review, reducing errors and speeding up approvals across the team.

Automation you can rely on

Airwallex agents are built around three guiding principles:

1. Automation-first: repetitive, rules-based tasks should never consume human time.

2. Explainability: every AI decision is transparent, auditable, and fully traceable.

3. Human-in-the-loop: finance leaders retain control over high-risk decisions.

By combining machine learning, OCR, LLMs, and rules engines, these agents deliver speed without sacrificing oversight, embedded directly in Airwallex Spend workflows.

More strategy, less busywork

Here’s what that looks like in practice: employees can submit and get reimbursed for expenses in minutes rather than days, while managers gain confidence that policies are enforced consistently across thousands of transactions. Finance teams spend less time on manual checks and more time on strategy. And CFOs get stronger compliance, improved cost control, and clear visibility into every dollar across the organisation.

The result: faster workflows, measurable time savings, and greater accuracy across the spend lifecycle.

The future of spend management, powered by AI

The launch of the Expenses and AP agents is just the first step. Our vision is an AI-driven finance stack that transforms how companies manage money, from today’s transactions to tomorrow’s decisions.

Over the coming months, you’ll see Airwallex Spend expand across three pillars:

End-to-end automation

Agents that move beyond transactions to cover the entire spend lifecycle, from procurement intake to vendor onboarding to reconciliation at month-end. Every repetitive, rules-based task should disappear from your team’s to-do list.

Deeper insights, surfaced instantly

Analytics dashboards that not only report history but reveal opportunities: highlighting anomalies, surfacing cost-saving measures, and providing actionable trends across all spend.

An intelligent finance assistant layer

A digital teammate embedded in Airwallex Spend can answer questions and take action across workflows: “Show me marketing spend this quarter” or “Route this invoice for approval,” without leaving the tools your team already uses.

This is the roadmap: a fully connected AI-driven finance system that automates the routine, illuminates the hidden, and empowers humans to make better decisions, faster.