AI Expense Management on WhatsApp.
Catch Fraud Before It's Paid.
Snap a receipt. Send it on WhatsApp. REME's AI extracts the data, screens for fraud across seven vectors, and routes it for approval — in under 200 milliseconds. 90%+ employee adoption in month one. No download. No training.
Why your current expense process is failing — and costing more than you think
Every company managing expenses with spreadsheets, email, or app-based tools is facing at least three of these. Flip each card to see why.
Submit a receipt the same way you'd send your boss a photo
Three steps. No app. No login. No training.
Snap the receipt
Employee takes a photo of any receipt — restaurant, taxi, hotel, retail. Any quality, any angle, any language. REME's OCR handles the rest.
Send it on WhatsApp
Photo goes to the REME WhatsApp bot. AI extracts merchant, amount, date, and category automatically. Seven fraud agents screen the claim in under 200ms. Done.
Finance approves. Payroll reimburses.
Approved claims sync to PeopleCentral payroll automatically. Employee reimbursed in next payroll run. Full audit trail — no spreadsheets, no email chains.
WhatsApp is the primary channel — the one that gets 90%+ adoption. Prefer something else? REME also supports web portal and email submission. Every channel goes through the same AI fraud screening.
Two things no other expense tool does simultaneously
The only expense platform on WhatsApp
Every other expense tool requires a download, a login, and a learning curve. REME lives in WhatsApp — the app your employees open 50 times a day. Submission takes one photo. That is why REME achieves 90%+ adoption in month one when the industry average is 40–60%.
Fraud caught before it's approved, not after
REME runs seven AI agents on every claim — simultaneously, in under 200ms — before the claim reaches an approver. Duplicate receipts. Edited totals. Currency mismatches. All flagged. All quarantined. The fraudulent payment never happens.
Seven AI agents. Every claim. Under 200 milliseconds.
Each agent specialises in a different fraud vector. All seven run in parallel — not sequentially. Agents with video demos show a live example.
Currency Integrity
Flags mismatches between receipt currency and claimed currency — caught before the approver sees the claim.
Multi-Currency Validator
Verifies exchange rates against ECB historical rates on the date of the expense. Catches rate inflation instantly.
Duplicate Matcher
Perceptual-hash matching catches the same receipt submitted from different angles, submitted weeks apart, by different employees.
Data Consistency Verifier
Cross-checks merchant, date, amount, and category for internal contradictions and impossible combinations.
Reconciliation Tracker
Flags claims for expenses already paid on a corporate card. Prevents double-payment before it happens.
Image Forensics (Handwritten)
Checks for handwritten receipts and documents. Detects handwritten fields, manually filled amounts, and hand-drawn entries that may indicate fabricated or altered submissions.
Contextual Grouper
Analyses patterns across all claims from an employee over time — threshold-gaming, round-number clusters, weekend "client" meals.
fraud cases caught per month per company on average. Self-learning — the longer you use REME, the better it gets.
Built for the CFO who signs off and the team that actually submits
The ROI case
A 200-person company loses ~$47,000/year to expense fraud before anyone notices (ACFE 2024). REME's 7-agent fraud engine catches it before payment — not after. Real-time dashboard. Full audit trail. One-click policy reports. And because employees actually use it (90% adoption), the data is complete — not the 60% sample you get from chasing stragglers.
The adoption case
Rolling out a new expense tool means training, chasing adoption, and months of parallel running. REME is different: employees submit their first claim in 3 minutes, using WhatsApp they already have on their phone. No MDM rollout. No help desk tickets. No password resets. Zero IT involvement from your team.
Everything expense management needs. Nothing it doesn't.
WhatsApp, web & email submission
WhatsApp is the primary channel — no download, no login, 90%+ adoption. Employees can also submit via web portal or email for those who prefer it.
Learn moreReceipt scanner & OCR
Extracts merchant, amount, date, category from any receipt — crumpled, faded, multilingual.
Learn moreMulti-currency support
Submit in any currency. Exchange rates verified against ECB historical rates.
Learn moreReal-time approval dashboard
Finance approves in one click. Policy violations flagged automatically. Batch approval for routine claims.
Payroll sync
Approved claims push to PeopleCentral payroll. Employee reimbursed in next pay run. No spreadsheet export.
Built for teams in Singapore, India, Malaysia, Australia, and beyond
REME handles expenses submitted from any country, in any currency, in any language. Finance consolidates everything in one dashboard.
Singapore
PDPA-compliant. Data in Singapore data centres. Payroll sync to CPF-ready payroll engine.
India
INR multi-currency support. GST-coded expenses. Multi-lingual receipts including Hindi, Tamil, and regional scripts.
Malaysia
MYR support. Malaysian Employment Act-aligned reimbursement records. Bahasa Malaysia receipt processing.
Australia
AUD support. Fair Work Act-aligned expense records. GST extraction from Australian receipts.
Recognised across
every category that counts.
9 recognitions across 5 categories — multi-year awarded, year after year.
9
Total recognitions
5
Categories
3
Years running
What REME customers say
Real results from real finance teams
From Singapore construction to fast-growing startups in Southeast Asia — here's what REME customers say.
"Using REME has transformed how we handle expenses. What used to be a tedious process is now quick, easy, and above all, reliable. Our employees have never been happier, and our finance team can close books faster and with better accuracy."
"With REME, our team submits receipts on-site via WhatsApp, and we see the updates in real-time. This has not only sped up reimbursements but also improved our project budget tracking significantly."
"REME's AI capabilities have eliminated almost all manual entry errors and simplified the auditing process. What's more, using WhatsApp for submissions has led to unprecedented adoption rates among our staff."
"For a fast-paced startup like ours, REME has allowed our team to handle expenses without slowing down, fitting seamlessly into our dynamic environment. The AI makes expense management virtually effortless."
"Managing expenses in construction can get messy with so many different costs to track. With REME, our crew submits receipts on-site via WhatsApp, and we see the updates in real-time."
"Our finance team can now close books faster and with better accuracy. The AI receipt scanning reads vendor, amount, and GST automatically. We haven't had a manual correction in months."
From our customers
Outcomes, in their own words
From field crews submitting via WhatsApp to finance teams closing books in hours, not days.
"The HRMS streamlined our payroll process, significantly reduced errors, and saved our HR team countless hours. The real-time analytics have been invaluable in helping us make data-driven decisions, ultimately supporting our business's growth."
"The ability to integrate attendance tracking directly into our project management processes has been particularly valuable — allowing us to allocate resources more effectively and ensure that each project is adequately staffed at all times."
"Automating payroll and attendance tracking has drastically reduced our administrative workload, allowing us to focus more on our employees and their development. It's an essential part of our strategy to scale effectively while maintaining high standards in HR."
"The ease of use and the time saved for payroll and overtime calculation was greatly reduced. Best of all, there is also a PeopleCentral app I installed on my mobile phone — I can manage everything on the go."
Common questions about REME
Your employees are already on WhatsApp. REME just gives them a reason to use it for expenses.
Join companies across Singapore, Malaysia, India, and Australia. 1-month free trial — full platform, no commitment.
MINDEF Tech Gateway · PDPA Compliant · ISO 27001 (via PeopleCentral) · Part of PeopleCentral