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Spend
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OS
Olivia Smith
Total balance
€5,966,525.25
€112,241.44 pending
Last 12 months
Last 12 months
Last 6 months
Last 3 months
This month
Checking
Treasury
Vault
Money in this month
+ €346,243.65
Money out this month
- €232,002.21
Lifetime yield earned
€210,034.32
Auto-transfers
Accounts
Transactions
Statements
FromLast statementMoney in this monthMoney out this month
DescriptionAccountDateAmountStatus
Stripe payoutPrimary checkingMay 24+ €84,200.00Settled
AWS — cloud servicesPrimary checkingMay 23- €12,430.00Settled
Payroll run — MayPayrollMay 22- €66,100.00Settled
Treasury yieldTreasuryMay 21+ €8,914.00Settled
Google WorkspacePrimary checkingMay 20- €2,160.00Settled
Investor wirePrimary checkingMay 19+ €250,000.00Settled
Office rent — MayPrimary checkingMay 18- €18,500.00Settled
Stripe payoutPrimary checkingMay 17+ €72,800.00Pending
Payroll transferPayrollMay 15+ €132,200.00Settled
PeriodAccountOpening balanceClosing balance
August 2024Primary checking€3,180,000.00€3,248,654.00 Download
August 2024Payroll€580,000.00€646,100.00 Download
August 2024Treasury€1,900,000.00€1,991,498.00 Download
July 2024Primary checking€2,900,000.00€3,180,000.00 Download
Amount spent
€150
Available
€350
Monthly limit Request to increase
€500
•••• •••• •••• 4488
Physical
Frozen
Dylan Moberg
Exp ••/•• CVV •••
•••• •••• •••• 2345
Virtual
Frozen
Dylan Moberg
Exp ••/•• CVV •••
•••• •••• •••• 7721
Virtual
Frozen
Sofia Andersen
Exp ••/•• CVV •••
•••• •••• •••• 9934
Physical
Frozen
Lars Thomsen
Exp ••/•• CVV •••
•••• •••• •••• 4418
Virtual
Frozen
Mia Jensen
Exp ••/•• CVV •••
•••• •••• •••• 8853
Virtual
Frozen
Marcus Weber
Exp ••/•• CVV •••
•••• •••• •••• 6692
Physical
Frozen
Laura Hoffmann
Exp ••/•• CVV •••
Physical card •••• 4488
Dylan Moberg · Active
€150
Spent
€350
Available
€500
Limit
Active
Virtual card •••• 2345
Dylan Moberg · Active
€0
Spent
€500
Available
€500
Limit
Active
Virtual card •••• 7721
Sofia Andersen · Marketing · Active
€2,840
Spent
€2,160
Available
€5,000
Limit
Active
Physical card •••• 9934
Lars Thomsen · Engineering · Active
€1,200
Spent
€1,800
Available
€3,000
Limit
Active
Virtual card •••• 4418
Mia Jensen · Operations · Active
€380
Spent
€1,620
Available
€2,000
Limit
Active
Virtual card •••• 8853
Marcus Weber · Sales · Active
€4,100
Spent
€900
Available
€5,000
Limit
Near limit
Physical card •••• 6692
Laura Hoffmann · Finance · Active
€920
Spent
€3,080
Available
€4,000
Limit
Active
Amazon Web Services
Virtual • •••• 8821
€2,000 / mo
€1,240 used
Google Workspace
Virtual • •••• 4492
€500 / mo
€360 used
Slack
Virtual • •••• 7733
€300 / mo
€300 used
Datadog
Virtual • •••• 6614
€800 / mo
€700 used
Book travel
Flights
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Booking for someone else
FROM
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Adults:
1
Children:
0
Class:
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Company Offsite
Team Offsite
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Trip starts Trip name Spend limit Trip status Traveler name
Apr 1, 2024 Company Offsite
Company offsite spend limit
Completed Jaime Ruiz
Feb 15, 2023 Team Offsite
Team offsite spend limit
Completed Jaime Ruiz
2 Trips
1 of 1
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AI reads the invoice and fills all fields — payee, IBAN, amount and reference — instantly.
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Transfer summary
€0.00
FromPrimary checking
To
Send date
ReferenceNone
Transfer feeFree
Transfers above €10,000 require approval from a second admin.
Portfolio value
€2,341,628
↑ €14,832 today (+0.64%)
Treasury / bonds
€1,991,498
4.85% APY · Yield growing
Equities
€248,430
↑ +12.3% all-time
Crypto
€101,700
↑ +3.2% today
Portfolio allocation
Treasury Equities Crypto
85.1% Treasury10.6% Equities4.3% Crypto
Stocks & ETFs
Crypto
Treasury / Bonds
Trade history
AAPL $213.49+1.2%
NVDA $1,089.16+3.8%
MSFT $426.32-0.4%
GOOGL $178.52+0.9%
META $527.80+2.1%
AMZN $191.75-0.6%
My holdings
Asset Price24h changeHoldingsAvg costValueP&L
Active members
5
+1 this month
Pending invites
1
Marcus Rivera
Cards issued
3
2 physical · 1 virtual
Team spend this month
€14,280
↓ 8% vs last month
MR
Marcus Rivera Pending invite
marcus.r@velo.com · Invited as Cardholder
Member
Role
Department
Card
Spend this month
Status
OS
Olivia Smith (you)
olivia.smith@eduvo.com
Admin
Finance
No card
€0.00
Active
DM
Dylan Moberg
dylan.m@velo.com
Cardholder
Engineering
•••• 4488 Physical
€150.00
Active
JK
James Kim
james.k@velo.com
Admin
Operations
No card
€0.00
Active
AL
Anna Lee
anna.l@velo.com
Bookkeeper
Finance
No card
€0.00
Active
JR
Jaime Ruiz
jaime.r@velo.com
Cardholder
Marketing
•••• 2345 Virtual
€14,130.00
Active
5 active members · 1 pending
Submitted this month
€14,280
42 expenses
Pending review
€4,840
12 expenses
Approved
€8,200
↑ 24 approved
To reimburse
€1,240
3 expenses
All 42
Pending review 12
Approved 24
Declined 2
Reimbursed 4
Awaiting approval 3
Date range
Category
Team member
Date Merchant Category Member Receipt Status Amount
Showing 10 of 42 expenses
Company
Security
API & Integrations
Billing
Team
Profile
Personal information
Update your name, email, and profile photo.
OS
JPG or PNG, max 5MB
First name
Last name
Email address
Job title
Phone number
Company details
Information about your organization on Eduvo.
Company name
Industry
Company size
Business address
Security
Password
Change your password. You'll be logged out of all other sessions.
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Two-factor authentication
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Authenticator app
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SMS backup code
Receive a code by text message
Active sessions
Devices currently signed into your account.
MacBook Pro — Chrome Current
San Francisco, CA · Last active just now
iPhone 15 Pro — Safari
San Francisco, CA · Last active 2h ago
Windows PC — Edge
New York, NY · Last active 3 days ago
Notifications
Transaction alerts
Get notified when money moves in or out of your accounts.
Large transactions (> €10,000)
Email and push
Incoming payments
Email only
Failed or declined payments
Email and push
International transfers
Email only
Card notifications
Alerts for card activity and spending limits.
Card spend alerts
Push notification for each card transaction
Budget limit warnings
When spend reaches 80% of budget
Card freeze / unfreeze
When a card status changes
Digest & reports
Scheduled summaries of your account activity.
Daily spend summary
Sent every morning at 8 AM
Weekly financial report
Every Monday morning
Monthly statement ready
When your statement is available
Appearance
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Dark
System
Accent colour
Used for buttons, active states and highlights.
Display density
Controls spacing throughout the platform.
API & Integrations
API keys
Use these keys to authenticate with the Eduvo API.
Production key
velo_live_••••••••••••••••4f2a
Created May 1, 2026 · Last used 2h ago
Sandbox key
velo_test_••••••••••••••••9c81
Created Jan 14, 2026 · Last used 4 days ago
Connected integrations
Third-party apps connected to your Eduvo account.
QuickBooks Online
Sync expenses automatically · Connected May 2026
Connected
Slack
Transaction notifications in #finance · Connected Jan 2026
Connected
Google Sheets
Export monthly reports automatically
Invoice inbox
Connect an email address where invoices are sent. We'll scan it with AI and automatically match invoices to your transactions.
Invoice email address
We'll use AI to scan this inbox, extract invoice data (payee, IBAN, amount, reference) and suggest matches for unreconciled transactions.
Billing
Current plan
Your subscription and usage this cycle.
Eduvo Premium
Monthly fee
€0 / month
Next renewal
Jun 1
Cards issued2 / 50
Team members5 / unlimited
API calls this month8,421 / 100,000
Payment method
Billing is handled via ACH debit from your primary checking account.
VISA
Primary checking •••• 1111
ACH Debit · Auto-pay enabled
Billing history
Your past invoices and receipts.
DateDescriptionAmount
May 1, 2026Eduvo Premium · May 2026€0.00
Apr 1, 2026Eduvo Premium · Apr 2026€0.00
Mar 1, 2026Eduvo Premium · Mar 2026€0.00
My benefits
Exclusive benefits included with your Eduvo account
Free · Included
World Medical Card
Global travel insurance and emergency medical assistance. Valid in 190+ countries, 24/7 support line, covers medical evacuation and hospitalisation.
Coverage
190+ countries
Support
24/7 helpline
Medical limit
€500,000
Evacuation
Included
More benefits coming soon
Additional perks will appear here as your account grows
My account
Profile
My benefits
Notifications
Appearance
Profile
Personal information
Update your name, email, and profile photo.
OS
JPG or PNG, max 5MB
First name
Last name
Email address
Job title
Phone number
Company details
Information about your organization on Eduvo.
Company name
Industry
Company size
Business address
Notifications
Transaction alerts
Get notified when money moves in or out of your accounts.
Large transactions (> €10,000)
Email and push
Incoming payments
Email only
Failed or declined payments
Email and push
International transfers
Email only
Card notifications
Alerts for card activity and spending limits.
Card spend alerts
Push notification for each card transaction
Budget limit warnings
When spend reaches 80% of budget
Card freeze / unfreeze
When a card status changes
Digest & reports
Scheduled summaries of your account activity.
Daily spend summary
Sent every morning at 8 AM
Weekly financial report
Every Monday morning
Monthly statement ready
When your statement is available
Appearance
Theme
Choose how the platform looks for you.
Light
Dark
System
Accent colour
Used for buttons, active states and highlights.
Display density
Controls spacing throughout the platform.
My benefits
Exclusive benefits included with your Eduvo account
Free · Included
World Medical Card
Global travel insurance and emergency medical assistance. Valid in 190+ countries, 24/7 support line, covers medical evacuation and hospitalisation.
Coverage
190+ countries
Support
24/7 helpline
Medical limit
€500,000
Evacuation
Included
More benefits coming soon
Additional perks will appear here as your account grows
Pending review
Approved this month
Declined this month
Avg. approval time
1.4h
Pending 3
Approved
Declined
Request Requester Type Amount Policy matched Actions
Total cashback balance
€2,484.30
Paid out monthly as statement credit
Earned this month
+€148.20
Lifetime earned
€4,268.50
Expiring soon
€0.00
Eduvo Premium
Current tier
Progress to Elite
€2,484 earned€4,000 needed
Your tier benefits
1.5% cashback on all spend
3% cashback on travel & SaaS
Priority support
5% travel cashback (Elite only)
Active bonus offers 4 active
3%
SaaS & Software
Ends Jun 30, 2026
+€21.00 earned so far
5%
Travel bookings
Ends Jul 15, 2026
+€64.20 earned so far
2%
Sustainable vendors
Ongoing
+€3.80 earned so far
+€50
Spend €50k this month
€36,400 / €50,000
B2B software marketplace UP TO 50% CASHBACK
Activate a deal, pay with your Eduvo card, and cashback lands in your balance automatically.
Redeem your cashback
Statement credit
€1 = €1 credit
Travel credit
€1 = €1.50 in travel
Gift cards
From €250
Donate
€1 = €1.20 donated
Cashback history
Date Description Category Rate Cashback
May 27AWS InfrastructureSaaS3%+€249.60
May 25Lufthansa — CPH → JFKTravel5%+€64.22
May 24Noma RestaurantMeals1.5%+€5.70
May 23Shopify — MonthlySaaS3%+€74.97
May 20Statement credit redemptionRedemption−€500.00
May 15WeWork OfficeOffice1.5%+€97.50
May 10Bloomberg TerminalSaaS3%+€72.00
Total balance
€5,966,525
Across 4 accounts
Available cash
€3,894,754
+2.4% this month
Invested (Treasury)
€1,991,498
4.85% APY
Spend this month
€84,312
+12% vs last month
Quick actions
Recent transactions
Pending approvals
3 pending
Monthly spend
Total spend per month
Spend by category
Distribution across categories
Budget vs. actual
Current month budget utilisation by department
Top spenders
Team member spend this period
Member Department Transactions Spend vs budget
Admin Dashboard
Platform overview · Updated live
Businesses signed up
0
↑ 84 this month
Total capital managed
€0
↑ 12.4% MoM
Monthly recurring revenue
€0
↑ 8.1% vs last month
Transaction volume (MTD)
€0
↑ 19.3% MoM
Cards issued
0
↑ 312 this month
Active users
0
↑ 7.2% MoM
Avg revenue per business
€0
↑ 3.8% MoM
Churn rate
1.2%
↓ 0.3pp MoM
Top businesses by spend
CompanyPlanMTD spendStatus
NX
Nexus Tech GmbH
Frankfurt
Enterprise €2.1M
Active
AV
Avenir Capital
Amsterdam
Enterprise €1.8M
Active
SR
Solaris Robotics
Copenhagen
Growth €940K
Active
OM
Orion Media
Barcelona
Growth €720K
Past due
PV
PulseVentures
Stockholm
Starter €480K
Active
Platform activity
New business onboarded
Meridian Logistics GmbH · Frankfurt
2m ago
Large transaction flagged
Nexus Tech · €148,000 wire to HK
14m ago
Failed KYC verification
Apex Traders Ltd · Expired documents
1h ago
New admin user added
Avenir Capital · lisa.k@avenir.vc
2h ago
Card frozen by admin
Orion Media · •••• 7720 suspended
3h ago
Plan upgraded
Solaris Robotics · Starter → Growth
5h ago
New business onboarded
Nordic Ventures AS · Oslo
Yesterday
New businesses per month
System health
All systems operational
API uptime (30d)
99.98%
Payment success rate
99.61%
Card authorisation rate
98.84%
Avg API response time
142ms
KYC approval rate
82.3%
Fraud detection rate
99.2%
Open support tickets
14
3 high priority
Pending KYC reviews
31
Avg 4h to review
Plan distribution
Starter
Free
641
businesses · 51.4%
Growth
€149/mo
472
businesses · 37.8%
Enterprise
Custom
134
businesses · 10.7%
Travel revenue
Last 90 days
Commission earned
Your net earnings
Total bookings
Gross hotel spend
Total retail value
Cancellation rate
Daily commission (30d)
Recent bookings
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Transactions
Invoices
Payment links
Total received
Payments
Largest payment
From invoices
Date From Type Status Amount
Loading…
From Saved to your company profile
Company logo
Shown on your invoices. PNG or JPG.
Upload
Bill to
Invoice details
%
%
Payment details Shown on the invoice
Notes
PREVIEW
?
Your company
Add your company details on the left
INVOICE
BILL TO
ISSUE DATE
DUE DATE
DESCRIPTION QTY UNIT PRICE AMOUNT
Add line items below
€0.00
Subtotal€0.00
Tax (20%)€0.00
Total€0.00
Payment terms: Net 30
Monthly burn
€520K
↑ 3.2% vs last month
Runway
11.3 months
At current burn rate
Cash position
€5.88M
Across 3 accounts
MoM change
-2.1%
vs May 2026
Eduvo AI
Hi! I'm your AI CFO. I have real-time access to your accounts, transactions, cards, and spend patterns. Ask me anything about your finances — burn rate, runway, team spend, vendor costs, or generate a board pack.
Transactions
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DescriptionDateAmountStatus
•••• •••• •••• ••••
VISA
Card frozen
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10 expenses
Purchased onMerchantBudgetReceiptStatusAmount
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Or pick a budget
Olivia Smith's Individual Budget
€995.00 EUR available
Engineering Q2 Budget
€12,400.00 EUR available
Travel & Entertainment
€3,200.00 EUR available
Software & Tools
€800.00 EUR available
From account
To account or IBAN
Amount
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Note (optional)
Transfers are reviewed and may require approval
New card
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Ready instantly
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Ships in 3–5 days
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Card will be declined for unchecked categories
Blocked merchants
Card will always be declined at these merchants
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Trade
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Price per unit
Platform fee (0.25%)€0.00
Total
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BIC / SWIFT
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Schedule payment
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Amount
From account
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Reference / memo
Payments above €10,000 will automatically require a second admin to approve before executing.
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They'll receive an email to set up their account.
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Your card will be shipped to the address below within 5–7 business days.
Standard Visa Platinum · no extra charge · arrives in 5–7 days
Confirm FX transfer
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Rate locked for 30s. Transfer is irreversible once confirmed.
Redeem cashback
Choose how much cashback to redeem.
Value:
Balance after:
How Rewards works

Earn cashback on every purchase
1% cashback on all card spend. 2% on SaaS, travel, and advertising. 3% on international spend.

Tier bonuses
Eduvo Premium (€1,000+ earned): +15% boost. Elite (€5,000+ earned): +30% boost and dedicated concierge.

Partner offers — up to 50% cashback
Activate offers from B2B partners like Intercom, HubSpot, and Notion to earn up to 50% cashback on software, cloud, travel, and office spend.

Redeem anywhere
Statement credit, travel, gift cards, or charity. Cashback never expires while your account is active.

Referrals
Earn €500 cashback for every company you refer that spends €10k+ in their first 90 days.

Create API key
Keys give programmatic access to your account. Store them securely.
Expense detail
Starbucks
May 27 · Meals
€0.00
Receipt
Details
Memo
Request details
Amount requested
Review note
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Role
Department
Spend (MTD)
Status
Assigned card
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Compare plans
Starter
€0/mo
Up to 5 users
Corporate cards
Expense tracking
Basic reporting
YOUR PLAN
Eduvo Premium
€49/mo
Up to 25 users · Free during early access
Everything in Starter
Advanced controls
Travel booking
Priority support
Current plan
Enterprise
Custom
Unlimited users
Everything in Scale
SSO / SAML
Custom integrations
Dedicated CSM
Change payment method
Current method
VISA
Primary checking •••• 1111
ACH Debit · Auto-pay enabled
Active
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Account holder name
Company Offsite
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