Build a spend management platform

Team cards, approval workflows, receipt capture and real-time budgets — describe the spend platform you want and see it as a clickable prototype.

Start building — it's freeClickable prototype in minutes · No card required

Finance teams don't want another expense app — they want spend that polices itself: cards that enforce policy at the point of purchase, receipts that match themselves, and budgets that update in real time instead of at month-end. That's what a modern spend management platform does, and it's why the Ramp and Brex playbook works.

Kobble's AI builder lets you design that platform for your own market — whether you're a software company adding spend to an existing product or a new venture going after an underserved vertical. Describe it in a sentence and get a clickable prototype with card issuing, approvals and reporting modelled end to end.

What you can build

Team and individual card issuing

Virtual cards per employee, per team or per vendor, with limits and merchant controls enforced at authorisation time — policy as code, not as PDF.

Real-time approval workflows

Requests, approvals and escalations happen in-app before money moves, with full audit trails for finance.

Automated receipt capture and matching

Receipts are captured at purchase and matched to transactions automatically, killing the month-end chase.

Budgets by team and category

Live budget tracking against actual card spend, with alerts before a team blows through its allocation rather than after.

Accounting integrations

Coded transactions flow to Xero and QuickBooks, keeping the general ledger current without manual exports.

Powered by Kobble modules

The prototype is assembled from the same licensed modules that run in production — what you approve in the design is what launches.

Card issuing (Mastercard)
Spend controls
Approval workflows
KYB onboarding
Accounting integrations
Reporting

How it works

1
Describe it
Start from your company or a blank slate. One sentence is enough — the builder researches your brand and asks the right follow-ups.
2
Shape the build
Pick a concept, toggle the modules you need and choose a design style. Your logo and brand colours are applied automatically.
3
Get the prototype
A clickable app in your brand, a build-vs-Kobble ownership map, a compliance pathway and exportable briefs for your team.

Frequently asked questions

Who is a spend management platform for?

Any business that issues company cards or reimburses expenses — and any product company that wants to offer that capability to its own customers under its own brand.

Can spend management be embedded in an existing product?

Yes. Choose "Upgrade an existing product" in the builder and it designs the spend module inside your current product's context and brand.

How do the card controls actually work?

Controls are enforced at authorisation: merchant-category blocks, per-card limits and geographic rules are checked before a transaction is approved, not reconciled after.

What does the prototype include?

A clickable mobile and desktop experience covering card issuing, approvals, receipts and budgets, plus a build-vs-Kobble ownership breakdown and exportable product and developer briefs.