Boya stops AI overspend before it happens. A virtual card for every AI tool, a hard limit for every team — enforced before the invoice lands.
Live product · Real customers · No commitment required
Live spend controls
AI Tool — Engineering
OpenAI API
Monthly limit
$2,000
•••• 4821
✕
Declined
Limit reached — $2,000
Spent this month$1,840 / $2,000
gpt-4o batch job
Attempting $320
Declined
Claude API — Product team
$180 / $500 limit
Within limit
Trusted by finance teams at
The problem
One weekend. One engineer. $1M.
AI tools have proliferated faster than any finance team can track. Every department runs its own stack — each with its own billing model, its own portal, its own invoice. You find out what they spent when the statement arrives. By then, it's too late.
14+
Average AI tools running across a 200-person company
$0
Visibility most finance teams have until the invoice arrives
6
Billing models to track — seats, tokens, API calls, usage tiers, subscriptions, compute
After.
When every other spend tool gives you control — after the transaction
How it works
The control layer. Before the spend.
Boya sits in front of every AI transaction — not behind it. The card is the enforcement layer.
One card per AI tool
Issue a virtual card for every tool your company uses. Set the limit. When it's hit, the card declines. Not an alert. A decline.
Budgets flow top to bottom
The CFO sets the budget. It flows to departments, teams, and individuals. Every level has a limit. Every limit is enforced.
Exceptions go through workflow
Legitimate overspend gets approved in advance. Department leads request increases. Finance approves or declines. No spreadsheets.
Control at every level
From the CFO's total budget to what a single engineer can spend on a single tool.
Company
CFO
$50K / mo
→
Department
Engineering
$20K / mo
→
Team
Backend squad
$5K / mo
→
Individual
Engineer
$500 / mo
→
Tool
OpenAI API
Card declines
Why Boya
Every other tool shows you what you spent. Boya decides what you're allowed to.
Without Boya
Teams expense AI tools individually across 6+ portals
You get alerts after the transaction — too late
Month-end reconciliation in spreadsheets
The $40K API bill arrives. You find out who did it.
You write a policy. It happens again.
With Boya
Every AI tool has a card with a hard limit
The card declines before the damage is done
Every team has a budget, enforced automatically
Exceptions go through approval — before they happen
One dashboard. One policy. One source of truth.
What customers say
Finance teams that switched to before.
"We had seventeen AI tools running across engineering and product. Nobody knew the total spend until month end. Boya gave us one number, one policy, and the first month we used it we cut AI spend by 34%."
SR
Sarah R.
CFO, Series B SaaS company
"An engineer ran an unthrottled batch job on a Friday night. We got a $28K bill on Monday morning. That was the last time. Boya's card would have declined it at $500."
MK
Marcus K.
VP Finance, AI-native startup
"The approval workflow is what sold me. Teams can still request more — they just have to ask first. That one change stopped 90% of the surprise spend overnight."
AL
Anika L.
Head of Finance, 300-person tech company
Common question
"Can't we just set limits inside each AI tool?"
You have 14 AI tools across 6 departments and 200 employees. Each has a different admin portal, a different billing model — seats, tokens, API calls, usage tiers — and a different person who set it up. Boya is one place. One card per tool. One dashboard. One policy. One source of truth for your entire AI spend.
See Boya before your next AI bill does.
Book a 30-minute demo. We'll show you how to take control of your AI spend — starting this week.
Backed by Y Combinator · Live product · No commitment required