Gold Winner: HR Vendors of the Year 2024 and 2025
Learn More →
WhatsApp-Native Expense Management

WhatsApp Expense Management
Your Team Submits in the App They Already Use.

REME is the only expense platform built on WhatsApp. No download. No login. No training. Employees submit receipts in 30 seconds — finance gets a structured, fraud-screened claim automatically.

90%+
Adoption in month one
3 min
Time to first claim submitted
2B+
WhatsApp users globally
0
App downloads required

The real reason expense management fails: nobody uses the tool

Every expense tool on the market requires employees to download a dedicated app, create an account, remember a password, and learn an interface. That's why adoption fails.

Other expense apps

Download required on every device
Create account — another password to forget
Learn a new interface and workflow
IT deployment and MDM setup required
Password resets, help desk tickets, support calls
Adoption: 40–60% (half your team never uses it)

REME via WhatsApp

No download — WhatsApp is already on their phone
No account creation — verified by mobile number
No new interface — the same chat they use all day
Zero IT involvement from your team
No passwords, no resets, no support tickets
Adoption: 90%+ in month one
Three steps

Submit a receipt the same way you'd send your boss a photo

No app. No login. No training.

01

Snap

Employee takes a photo of any receipt. Any quality, any angle. Works on any smartphone.

02

Send on WhatsApp

Photo goes to the REME WhatsApp bot. AI extracts data, fraud agents screen in 200ms. Done.

03

Approved. Reimbursed.

Finance approves in one click. Payroll reimburses in the next pay run. Full audit trail maintained.

WhatsApp is the channel that drives 90%+ adoption. REME also supports web portal and email submission — same AI screening, same approval workflow, every channel.

Remote & Distributed Teams

Built for remote and field teams across Southeast Asia and beyond

Remote workers, field staff, and cross-border teams face the same problem: expense apps that require reliable internet and a desktop to reconcile. REME works from any smartphone with WhatsApp — offline receipt capture syncs when connectivity returns. A Singapore HQ team can see real-time submissions from colleagues in Kuala Lumpur, Mumbai, and Sydney simultaneously.

Offline capture

Receipts captured offline, synced when connectivity returns.

Any country

Works wherever WhatsApp works — 2+ billion phones globally.

Multi-team

Singapore HQ sees all submissions in real time.

Any device

Any Android or iOS smartphone. No minimum specs.

The WhatsApp advantage for global teams

2+ billion WhatsApp users globally — no adoption curve in any country

Works in any language the employee types in

Accessible in low-bandwidth environments

WhatsApp Business API — enterprise-grade security

All submissions stored with full audit trail

Frequently asked questions

Your employees are already on WhatsApp. Start in 24 hours.

Full platform. No commitment. Beta access now open.

MINDEF Tech Gateway · PDPA Compliant · Part of PeopleCentral