Keep your cards. Keep your bank. Lumora finds the leakage anyway.
Lumora connects to the systems you already run — cards, AP, accounting, reimbursements, SaaS, and AI usage — and surfaces duplicate vendors, shadow tools, unused seats, and off-policy spend. You get a personal, CFO-ready leakage map catered specifically to you, with a clear view of the savings that actually reach the P&L.
A 30-minute, finance-led call to map your AI & SaaS leakage and scope a 7-day Leakage Map. No card migration.
Sample metrics on this page are illustrative only and are not customer-reported results.
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.
A control layer for spend that escapes normal finance review.
Lumora helps finance teams answer practical questions: which teams are buying unapproved tools, which vendors overlap, which policies would reduce avoidable spend, and which controls are worth activating.
- Shadow SaaS and AI subscriptions
- Duplicate vendors and overlapping contracts
- Policy exceptions across cards, AP, and reimbursement data
- CFO-ready attribution for modeled and enforced controls
Ramp and Brex run your spend. Lumora watches all of it — including theirs.
Ramp, Brex, and Concur are strong inside their own rails — cards, expenses, bill pay. Lumora is the neutral layer across everything else you already use: existing cards, AP, reimbursements, accounting, SaaS, contracts, and AI usage. No migration required.
| What you actually want | Lumora | Ramp | Brex | Concur |
|---|---|---|---|---|
| Keep your existing card program | ||||
| Works across cards, AP, reimbursements, accounting, SaaS & AI together | ||||
| Sees spend outside the vendor's own ecosystem | ||||
| No payment-rail or banking dependency | ||||
| Detect shadow AI tools and duplicate subscriptions | ||||
| Model controls before enforcement | ||||
| CFO-ready realized-savings attribution | ||||
| Issuer- and bank-neutral | ||||
| Scoped 7-day leakage diagnostic |
The point is not another finance system to migrate into. The point is a neutral savings layer that shows where AI and SaaS spend is leaking, what policy would change it, and whether the control is worth activating.
Keep Ramp. Keep Brex. Keep Amex. Keep your bank. Lumora finds the leakage anyway.
See a 7-day leakage map of your AI and SaaS spend — without migrating anything.
A 20-minute, finance-led review. We walk the finance stack you already run, flag the biggest leakage risks, and show you the savings worth chasing. No card migration required.
- No card migration
- Read-only access
- Scoped diagnostic
- Security review before pilot
Start with a scoped 7-day Leakage Map, then a 90-day Control Pilot. No card migration. No multi-year lock-in.
Get a 7-day leakage map, then prove value in one quarter
Structured rollout starts with a 7-day leak-priority pass and continues with clear 90-day milestones. No card migration and no multi-year commitment.
Leakage Intake and 7-Day Map
Key Deliverables
- Connect available cards, AP, accounting, reimbursement, SaaS, and AI usage feeds
- Build your first leakage map with top risk areas
- Map duplicate vendors and shadow tools by owner and team
- List near-term off-policy spend that can be actioned quickly
Expected Outcome
Initial CFO-prioritized leakage map delivered in one week.
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
Audit-ready findings and prioritized next actions
Success criteria for pilot
Day 7 gives a ranked leakage map. Day 90 gives a CFO Brief and an expansion decision tied to your own finance data.
Pilot investment
- No card migration
- Read-only access
- Scoped diagnostic
- Security review before pilot
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 after the source systems are confirmed during onboarding. Lumora normalizes transactions into a canonical lifecycle via an idempotent, self-healing pipeline. Read-only, audit-friendly, day-one-safe.
- Read-only card feeds confirmed during onboarding
- 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 reimbursement data. 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 informs the next round of policy recommendations. Outcome signals flow into your Continuous CFO Brief so finance can review which controls changed spend behavior.
- 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
CFO-ready attribution. API-driven reporting exposes modeled savings, alert quality, and prevented-spend examples for finance review.
Modeled 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 against your own stack?
- No card migration
- Read-only access
- Scoped diagnostic
- Security review before pilot
Common questions
What Lumora is, who it helps, and when to use it
Short answers for finance teams focused on AI/SaaS leakage, fast leak mapping, and stack-preserving cost reduction.
What does Lumora do?
Is Lumora spend management software?
Does Lumora help with card policy automation?
Can Lumora help with SaaS spend management?
Who is Lumora best for?
Do we have to switch cards to use Lumora?
Will Lumora work with every card issuer or ERP?
What you can prove in 90 days
Finance-grade attribution for modeled savings, policy outcomes, and follow-up actions. The examples below are illustrative, not customer results.
Prevented Spend
Transactions blocked by policy before execution
Illustrative sample
Delayed Spend
Purchases postponed via approval workflows
Illustrative sample
Redirected Spend
Spend moved to preferred/consolidated vendors
Illustrative sample
Converted Spend
Trial/freemium usage captured before auto-upgrade
Illustrative sample
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 reviewable controls: tenant-aware access, tracked policy changes, and clear evidence behind important decisions.
Security review before pilot
We share current security posture during evaluation and do not claim certifications before they are complete.
Multi-tenant isolation
Customer data segregated at database and application layers. Zero cross-tenant access.
Encryption at rest and in transit
Data protection requirements are reviewed during onboarding, including encryption, access controls, and vendor security posture.
Audit-ready event logs
Policy changes, authorization decisions, and sensitive workflow events are designed to be reviewable and replayable.
Role-based access control (RBAC)
Granular permissions, approval workflows, and principle of least privilege.
Backup and disaster recovery
Backup, recovery, and availability requirements are handled during implementation planning and security review.
Evaluation posture
Security and governance items we can review before a pilot
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.
See a 7-day leakage map of your AI and SaaS spend — without migrating anything.
A 20-minute, finance-led review. We walk the finance stack you already run, flag the biggest leakage risks, and show you the savings worth chasing. No card migration required.
- No card migration
- Read-only access
- Scoped diagnostic
- Security review before pilot
Start with a scoped 7-day Leakage Map, then a 90-day Control Pilot. No card migration. No multi-year lock-in.