The product

Control that lives before the spend.

Three layers working together — cards, budgets, and workflows — so no AI spend ever happens without authorisation. Here's how each one works.

1.
Card per team per AI tool — not one shared company card
5×
Levels of budget control from CFO to individual
$0
Surprise spend — the card declines, not alerts
<2m
To issue a new card and set a limit for any tool
01 — Virtual cards

One card. One team. One tool. One hard limit.

Every team using an AI tool gets its own Boya virtual card with a defined spend limit. Engineering's ChatGPT card is separate from Product's. When a team's limit is reached, their card declines. Not a notification. Not a flag for review. A hard stop — before the spend happens.

Issue in under 2 minutes. Name the tool, set the limit, assign to a team. The card is live immediately.
Works with every AI tool. OpenAI, Anthropic, Google, Midjourney, Cursor, Perplexity — if it accepts a card, Boya controls it.
Adjust limits instantly. Need to raise or lower a limit? Done in one click, effective immediately.
Full transaction history. Every charge, every tool, every team — in one place.
AI tool cards — Engineering
OpenAI
GPT-4o — Backend
$1,240 / $2,000
Active
OpenAI
Batch API — Data team
$500 / $500
Declined
Anthropic
Claude API — Product
$180 / $500
Active
Cursor
Cursor Pro — Eng team
$320 / $400
Near limit
02 — Budget hierarchy

From the CFO down to every individual.

Boya structures AI spend the way your org chart works. The CFO sets the total AI budget. It flows down — department by department, team by team, person by person — with hard limits at every level. No one spends beyond their allocation. No exceptions.

Five levels of control. Company → Department → Team → Individual → Tool. Every level enforced independently.
Real-time visibility. CFOs and department leads see spend across their entire scope — live, not at month end.
Rollup reporting. Total AI spend by department, by tool, by person — in one dashboard.
Alerts before limits hit. Get notified at 80% so you can act before the card declines.
Budget allocation — this month
Acme Corp — Total AI budget
$50,000 / mo
Engineering
$20,000 / mo
Backend squad
$4,820 / $5,000
J. Okafor
$340 / $500
Product
$8,000 / mo
Marketing
$5,000 / mo
03 — Approval workflows

Legitimate overspend gets approved. Surprise overspend gets stopped.

Control doesn't mean inflexibility. When a team genuinely needs more, they request it through Boya. Finance reviews and approves or declines — in the product, with full context. The spend only happens after it's authorised. Never before.

Request in seconds. Team leads submit a limit increase request with a reason and an amount. Finance gets notified immediately.
One-click approval. Finance approves or declines with full context — who's asking, what tool, what amount, what reason.
Temporary or permanent. Approve a one-time increase for a specific project, or adjust the monthly limit going forward.
Full audit trail. Every request, every decision, every spend — logged and exportable for audit or board reporting.
Limit increase request
Request from
JO
James Okafor
Backend squad · Engineering
Requesting
+$1,500 on OpenAI API
Current limit $500 → requested $2,000
Reason
"Running a one-off embeddings job for the new search feature. Need this by Friday."
✓
Card hits limit
OpenAI API card declined at $500
Auto
✓
Request submitted
James requested +$1,500 with reason
2 min ago
→
Finance reviewing
Awaiting approval from CFO
Pending
4
Limit adjusted
Card reactivated at new limit
Pending

Everything finance needs. Nothing engineering hates.

Virtual card issuance
Issue cards for any AI tool in under 2 minutes. Set limits at creation.
Real-time spend tracking
Live dashboard across all tools, teams, and individuals. No month-end surprises.
Rollup reporting
Total AI spend by department, tool, or person. Exportable for board reporting.
80% threshold alerts
Get notified before a card hits its limit — so you can act, not react.
Approval workflows
Teams request limit increases. Finance approves or declines with full context.
Temporary limit increases
Approve one-off increases for specific projects without changing monthly policy.
Full audit trail
Every transaction, request, and decision logged. Always audit-ready.
Multi-currency support
Manage AI spend across teams in different countries. One policy, any currency.
Org hierarchy sync
Import your org structure from your HRIS. Budget allocation follows your team structure automatically.

See every layer in action.

Book a 30-minute demo. We'll walk through cards, budgets, and workflows with your actual AI stack.

YC Backed by Y Combinator