Husk is an AI-native financial operating system for growing European startups, combining corporate cards, real-time spend visibility, and automated expense management in one platform. The platform uses AI to automate up to 16 hours of monthly financial admin, capture receipts via WhatsApp, and provide credit decisions based on live business data. It also integrates with AI assistants like Claude and ChatGPT for natural-language financial queries.
Funding
Funding not disclosed
Founders
Product
Problem
Growing European startups often struggle with financial operations that cannot keep pace with their speed of scaling, leading to fragmented tools, manual receipt chasing, and delayed visibility into spending. Traditional banking and financial tools are built for slower-moving enterprises, leaving founders to juggle multiple systems and lose hours on administrative work instead of focusing on growth.
Solution
Husk provides an AI-native financial operating system that unifies corporate cards, real-time spend tracking, and automated expense management in a single platform. The system automates receipt collection through WhatsApp, generates instant virtual cards for team members, and offers charge cards with 30-day repayment terms. Credit decisions are powered by live business signals such as revenue trends and spending patterns, rather than historical balance sheets, enabling faster and more relevant approvals. The platform also connects to AI assistants like Claude and ChatGPT, allowing users to ask plain-language questions about their finances and receive real-time answers.
Target Audience
Primary customers are European startups and growing scale-ups that need fast, flexible financial tools to manage remote team spending, control cash flow, and reduce administrative overhead.
Features
- Unlimited virtual corporate cards with instant deployment, individual spending limits, and merchant category restrictions
- Automated expense management that captures receipts via WhatsApp and syncs transactions to accounting software in real time
- AI-powered underwriting that evaluates live business data, including revenue trends and growth trajectory, for credit decisions
- Real-time spend dashboard with transaction-level insights, cash flow tracking, and early alerts for unusual spending patterns
- Integration with MCP clients like Claude and ChatGPT for natural-language financial queries and insights
- Reduced FX fees and cashback on card transactions, lowering the cost of cross-border spending