See every dollar of spend leakage. Without changing your cards.
Lumora is a finance-grade control layer that runs on top of your existing corporate cards. Transaction-level visibility across every employee, subscription, vendor, and deal. Proven ROI in 90 days.
CFO Report Card
You know there's spend leakage. Catching it shouldn't require a forensic audit.
Teams are adopting software and spinning up instances faster than flat ledgers can track. By the time you reconcile the month-end statements, the damage to the P&L is already done.
Blind spots in decentralized spend
Your teams are swiping existing cards for new tools every week. Seat counts creep up and rogue vendors bypass procurement, creating invisible leakage.
Paying twice for the same capability
Marketing expenses a subscription while Engineering pays for the API. Without relationship-aware analytics, you lack the visibility to consolidate overlapping contracts.
Policies without enforcement teeth
You publish spend guidelines, but without a proactive control layer, enforcement is manual. You can't forecast anomalies or intervene before the transaction clears.
The unprovable ROI gap
You negotiate discounts or tighten limits, but struggle to prove the net effect on the P&L. Measuring the exact impact of prevented spend remains a guessing game.
Annual corporate spend on travel + SaaS alone, growing 25%+ YoY
See what Lumora would find in your spend data.
A 20-minute fit call. We'll walk through your card stack, identify the three biggest leakage risks, and tell you whether the 90-day pilot is a fit.
Guaranteed ROI or your pilot fee back. No multi-year commitment.
Prove value in one quarter
Structured rollout with clear milestones, deliverables, and success metrics. No multi-year commitments. Results in 90 days.
Ingestion & Shadow Radar
Key Deliverables
- Multi-rail intake (connect existing cards & AP)
- Idempotent ingestion pipeline execution
- Shadow Radar protection graph generation
- Initial Unified Shadow Tag emission
Expected Outcome
Visibility mapping via self-healing data connectors
Simulate & Enforce
Key Deliverables
- Protection-adjusted spend forecasts
- Auto-tuned dynamic limit recommendations
- Simulate top policies (Attempted vs Effective)
- Human-in-the-loop limit activation
Expected Outcome
Active modern control layer running on existing rails
Feedback Loop & Report Card
Key Deliverables
- Continuous CFO Report Card generation
- Runway Under Control metric validation
- Closed feedback loop training initialization
- Opt-in shared fraud graph signaling
Expected Outcome
Quantifiable audit-ready ROI and predictive metrics
Success criteria for pilot
At the end of 90 days, you'll have quantifiable metrics to justify expansion or exit. No hand-waving, no vanity metrics.
Pilot investment
How Lumora works
A unified platform that detects leakage, recommends controls, enforces limits, and proves realized savings. All with finance-grade attribution.
Connect in minutes
No card migration · No re-issuing
Plug into your existing card stack, accounting, HRIS, and SaaS feeds. Lumora normalizes transactions into a canonical lifecycle via an idempotent, self-healing pipeline. Read-only, audit-friendly, day-one-safe.
- Read-only feeds from any card issuer
- Self-healing data connectors
- Idempotent, replayable ingestion
- No card re-issuing required
See where spend is leaking
Shadow Radar across every rail
Lumora surfaces duplicate vendors, ungoverned AI tools, off-policy charges, and unused seats across cards, SaaS, AP, and reimbursements. Every signal is explainable, attributed, and audit-ready.
- Duplicate vendor detection
- Ungoverned AI tool spend
- Off-policy charge surfacing
- Unused seat & subscription audit
Model policy changes before enforcing
Simulate first. Activate second.
Test "what-if" simulations on the last 90 days of real data. See attempted vs. effective spend before flipping a policy on. Human-in-the-loop activation, full rollback, audit-ready decision trails.
- Simulate on 90 days of real data
- Attempted vs. effective spend modeling
- Human-in-the-loop activation
- Full rollback + audit trail
Controls that improve automatically
Closed feedback loop · Continuous CFO Brief
Every approved or declined transaction trains the next round of policy recommendations. Realized savings flow into your Continuous CFO Brief, proving exact ROI and updating your Runway Under Control.
- Closed feedback loop training
- Continuous CFO Brief metrics
- Runway Under Control computation
- Cross-tenant fraud graph (opt-in)
Product capabilities
Built for CFOs who need more than dashboards. You need detection, enforcement, and attribution.
Self-Healing Multi-Rail Intake
Plugs into your existing corporate cards, AP, and HRIS. Idempotent, replayable pipelines self-heal data feeds so you never lose visibility.
- Zero card migration
- Idempotent ingestion
- Automated backfills
Shadow Radar & Protection Graph
Moves beyond flat ledgers by mapping relationships between employees, departments, and vendors to catch shadow IT and anomalous behavior instantly.
- Graph-driven detectors
- Relationship-aware analytics
- Employee spend profiles
Explainable AI & Shadow Tags
No black-box algorithms. Every detection emits a deterministic tag (e.g., [Duplicate Subscription]), creating an audit-ready primitive for policy enforcement.
- Unified tag taxonomy
- Audit-ready primitives
- Clear decision logic
Auto-Tuned Dynamic Limits
Policies that adapt to your forecast. The engine recommends dynamic spend caps based on runway gaps, catching budget drift before it happens.
- Forecast-driven controls
- Budget gap auto-tuning
- Dynamic limit updates
Simulate-Before-Enforce Engine
Test "what-if" policy scenarios in a sandbox. Map exact impacts on attempted vs. effective spend before human-in-the-loop activation.
- Scenario planning engine
- Attempted vs. effective modeling
- Human-in-the-loop activation
Community Graph & Vendor Health
Opt-in, privacy-preserving network intelligence. Get warned about risky vendors or pricing changes based on anonymized signals from peer companies.
- Shared fraud graph
- Vendor dependency scoring
- Cross-tenant signals
Continuous CFO Report Card
Verifiable proof of ROI. API-driven reporting exposes net savings, alert accuracy, and exact prevented spend metrics.
- Net savings calculation
- Alert quality tracking
- API-exposed metrics
Runway Under Control Metric
Continuous computation of runway projections that actively incorporates forecasts and the real-time impacts of your enforced controls.
- Protection-adjusted forecasting
- Real-time runway updates
- Control impact modeling
Want to see these capabilities in action?
Stop the leakage. Without restarting your entire finance stack.
Ramp, Brex, and Concur each ask you to give up something real before you see a dollar saved. Here's what each of them actually costs you, and what Lumora doesn't.
| What you actually want | Lumora | Ramp | Brex | Concur |
|---|---|---|---|---|
| Keep your existing cards | ||||
| Catch shadow AI spend | ||||
| Live in days, not quarters | ||||
| No per-seat lock-in | ||||
| ROI refund guarantee |
Lumora is the only option that doesn't ask you to re-issue cards, retrain employees, or sign a multi-year contract before you know it works.
What you can prove in 90 days
Finance-grade attribution for every dollar saved. No hand-waving. No assumptions. Just audit-ready metrics.
Prevented Spend
Transactions blocked by policy before execution
Delayed Spend
Purchases postponed via approval workflows
Redirected Spend
Spend moved to preferred/consolidated vendors
Converted Spend
Trial/freemium usage captured before auto-upgrade
Continuous executive visibility
Real-time dashboards, weekly summaries, and quarterly board-ready reports. Every claim is backed by transaction-level audit trails.
Enterprise security & governance
Built for CFOs who need audit-grade controls. Every transaction logged, every policy change tracked, every metric verifiable.
SOC 2 Type II in progress
Type I report targeted within the pilot window. Continuous compliance tracking and roadmap to Type II certification.
Multi-tenant isolation
Customer data segregated at database and application layers. Zero cross-tenant access.
Encryption at rest and in transit
AES-256 encryption for stored data, TLS 1.3 for all network communication.
Audit-ready event logs
Immutable transaction history, tamper-proof logs, and replayable reconciliation.
Role-based access control (RBAC)
Granular permissions, approval workflows, and principle of least privilege.
Backup and disaster recovery
Daily automated backups, 99.9% uptime SLA, and multi-region failover.
Compliance & certifications
Meeting the highest standards for data security and privacy
Human-in-the-loop by design
Lumora recommends, but you decide. All high-impact policy changes require explicit approval. Guardrails prevent runaway automation.
Simulate first
Test policy changes in sandbox mode before applying to production.
Approval workflows
CFO or Finance team approves all material policy changes.
Instant rollback
One-click policy reversal if outcomes don't match expectations.