Brex
Brex manages cards, expenses, reimbursements, travel, and procurement.
Overview
- Transparency
- 5 / 10
- Trust
- 85.75 / 100
Trains on your data
- Free
- Not captured
- Paid
- Not captured
- Opt-out
- Not captured
Incidents
1- highFINRA Fines Brex Treasury LLC $900,000 for AML Failures
Assessed SEP 21, 2026 · Checked by hand SEP 21, 2026
SOC 2, ISO 27001, GDPR DPA, US hosting and deletion on written request are confirmed; FINRA dates the AML settlement to August 30, 2024 and no model-training policy was found.
Trust breakdown
85.75 / 100
Overall trust score
Data and privacy
Trains on your data
- Free
- Not captured
- Paid
- Not captured
- Opt-out
- Not captured
Storage regions
Sub-processors
Data retention
We keep your personal information for as long as it is required in order to fulfill the relevant purposes described in this Privacy Policy, or for other essential purposes such as complying with our legal obligations, resolving disputes and enforcing our agreements.
Deletion: Following termination or expiration of the Agreement, Brex will, upon your written request, delete all Personal Data from Brex's systems and, if requested, certify in writing of its completion within 30 days of such request.
Incidents
2024-08-30
FINRA BrokerCheck
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Brex uses a combination of third-party LLMs like OpenAI, Anthropic, Bedrock, Codex, and Cursor. They also have an internal LLM framework and a multi-agent network framework. They use Mastra as a primary framework for accelerating agent development and Greptile for AI code review.
Integrations and access
Integrations
Available on
Pricing
Essentials
$0/user/month
For startups and growing companies. Includes unlimited global corporate cards, AI-powered custom rules, accounting integrations, local currency wires, travel booking, and bill pay. Up to 2 entities.
Premium
$12/user/month
For mid-sized companies looking to scale. Includes everything in Essentials plus multiple customizable expense policies, dynamic expense review chains, AI-powered compliance audit detection, live budgets with real-time reporting, budget delegation, and policy compliance reporting. Supports multiple entities and subsidiaries.
Enterprise
Custom
For global enterprises with custom needs. Custom pricing. Includes everything in Premium plus unlimited US or global entities, local card issuance, global reimbursements in local currency, automated VAT tracking, non-US entity setup with KYC/KYB support, and a designated senior consultant.
Prices as listed on SEP 21, 2026; check the vendor's page.
Moat and openness
Moat
- Proprietary Model
- Proprietary Data
- Network Effects
- Switching Costmoderate
- Unique UX
- Distributionstrong
Brex exhibits a moderate moat, primarily driven by its strong distribution among notable enterprise customers and a comprehensive, integrated product suite that creates some switching costs. While they leverage proprietary AI frameworks, the underlying models are third-party, limiting a deep proprietary model advantage. The lack of explicit network effects and proprietary data for AI training prevents a higher score.
Openness
- Open model weights
- Published research
- Open source contributions
- Transparency reports
- Public safety evals
Brex emphasizes transparency in its internal operations, sharing company-wide decisions and financials with employees. They also maintain a public Trust Center detailing their security posture, certifications (PCI DSS, SOC 1 Type 2, SOC 2 Type 2, ISO/IEC 27001:2022), and audit trails. While they offer access to security documentation and audit reports under NDA, there's no indication of open-source contributions, published research, or public safety evaluations.
Timeline
- 2023-09Brex launched Brex Assistant, a proactive assistant for expense management, as the flagship product of Brex AI. Brex Assistant automates expense information, answers employee questions about spending policies, executes commands for completing expenses, and provides context for past transactions.
- 2023-03Brex announced the launch of advanced AI-powered tools for CFOs and their teams, built using machine learning and natural language processing technology from OpenAI. These tools, integrated into the Brex Empower platform, provide insights on corporate spend, answer business questions in real time, and offer a chat interface for complex AI-powered insights.
Company
Brex
- Founded
- 2017
- HQ
- San Francisco, California, United States
- Site
- brex.com
Popularity
Not disclosed
monthly visits
Notable customers
Brex is a leading modern finance software platform, particularly strong in the enterprise segment for spend management, corporate cards, and financial services, competing with Ramp, American Express, and Divvy.
Value and ROI
What it should move: It improves receipt collection and spend-policy compliance, and reduces reconciliation time.
Best fit
It fits companies that want card controls, expense reviews, and budgets together.
The catch
Brex becomes part of payment and approval work. Check migration effort, geographic coverage, and accounting connections before consolidation.
- Boston Celtics: Uses Brex for corporate cards, reimbursements, procurement and accounting workflows connected to NetSuite.[1]
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