Autonomous spend enforcement

The All-Seeing Eye of Corporate Finance.

Heimdall intercepts every card swipe in under 100ms. Vision-AI verifies receipts, splits personal spend, and enforces compliance — all before the transaction settles.

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See the validation loop
87ms
Median intercept
4
Validation phases
100%
Audit-ready

Heimdall

Virtual corporate card

Active

•••• 3009

Milestone spend: Foundation Pour

Limit $12,500.00

$8,347.20

66.8% of milestone envelope

PROC-2214

Cardholder

S. Okonkwo

Overlay

Amex •• 3009

Terminates

Milestone close

01 | The four pillars

Enforcement at the swipe, not the audit.

Expense reports reconstruct what happened weeks later. Heimdall decides inside the transaction window, while the card is warm and the asset is in hand.

Pillar 01 | Network

Card-Agnostic Overlay

Heimdall issues nothing. It taps the Amex and Chase cards your treasury already runs, listening on low-latency global network webhooks. The swipe reaches our decision engine before the terminal prints.

Pillar 02 | Lifecycle

Milestone-Bound Spend Tokens

Spending authority is tied to active project milestones in Jira, Asana, and Procore, never to arbitrary calendar dates. Milestone marked complete: the virtual card authorization terminates that instant.

Pillar 03 | Vision

Multimodal Vision-AI Audit

Vision models cross-examine receipt line items against the physical unboxed item in the same submission: extracting manufacturer data and serial numbers, and flagging unapproved goods before they reach a ledger.

Pillar 04 | Ledger

Personal-Corporate Split Engine

A jacket on the same receipt as the drill is not an expense-report argument. The AI itemizes the receipt, bills approved goods to the corporate ledger, and charges the personal remainder to the employee's pre-linked personal debit card. Automatically.

02 | The post-swipe validation loop

Four phases. One swipe.

From authorization to a locked, split, asset-twinned ledger entry in under five minutes. Select a phase to inspect its record.

Phase 01 of 04 | The Trigger

A swipe on Apple Pay opens a case file.

The employee pays exactly as they always have. Authorization clears the network and the Fidel / Mastercard notification reaches Heimdall inside 100ms: merchant, amount, issuer, and the active milestone the card is bound to, all attached before the terminal finishes printing.

  1. t+0msNetwork authorization clears
  2. t+87msWebhook received, case file opened
  3. t+92msMilestone envelope validated: active
  4. t+110msTransaction held in pending review
Authorization interceptVerified
Network
Mastercard
Merchant
Home Depot #1042
Amount
$340.00
Issuer
Amex •• 3009
Bound milestone
PROC-2214 · Foundation pour
Intercept latency
87ms
Compliance tokencmp_case_8H2K••••f41a

0ms

Median intercept latency, before the terminal finishes printing

0

Validation phases between authorization and a locked ledger entry

0%

Ledger entries locked audit-ready, never reconstructed later

0

Human touches required in a clean validation loop

03 — Industry telemetry

Built for spend that leaves the office.

Field-heavy industries lose the most to unverifiable spend. Select an operating environment to inspect its telemetry.

Site pours don't wait for finance.

Field crews buy what the job needs when the job needs it. Heimdall binds every card to the pour schedule in Procore, registers every tool serial at the register, and kills subcontractor spend the second their phase closes.

Active cards
214
Milestones bound
37
Serials registered
1,893
Flags today
3
Live feedStreaming
  • 07:42Pour delivery verified against PROC-2214 schedule — releasedOK
  • 09:15DeWalt DCD996 serial DW-98342 registered to asset registryOK
  • 10:26Rebar order exceeds milestone envelope by $2,140 — flaggedFlag
  • 11:03Sub card •• 8821 terminated: phase 'framing' marked completeKill
Bound to Procore milestones · pour schedules · phase gates

New · Heimdall AI Hub

Every swipe. Now every token, too.

Claude Code and Cursor now answer to the same eye as your corporate card. Heimdall proxies every AI request through a budgeted, logged, multiplayer gateway — so a runaway model bill is exactly as impossible as a runaway lunch tab.

Token budgets, enforced live

Assign a spend cap per project. The proxy hard-stops the instant it's reached — not when the invoice arrives.

Every call logged

Prompt and response snippets, token counts, cost, and latency — captured per employee, per project, automatically.

Shared project memory

Agents read and write a living context over MCP, so Claude Code on one laptop knows what Cursor did on another.

Drop-in compatible

Swap two environment variables and an employee's existing agent just works. No new tools, no retraining.

Onboarding an agent2 lines
# point your existing agent at Heimdall
export ANTHROPIC_BASE_URL=https://heimdallcredit.com/api/proxy/v1
export ANTHROPIC_API_KEY=hmd_ai_••••••••••••

# that's it — run Claude Code / Cursor as usual
claude

Every request now streams through Heimdall — budget-checked, logged, and folded into the project's shared context — with zero added latency and nothing for the employee to learn.

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No new product to buy — it's already in your Heimdall workspace.