Description
Nebula provides an AI-native banking platform specifically designed for companies whose primary expenses are related to machine time, such as inference bills, GPU hours, and API calls. The platform automates the attribution, capping, and reconciliation of every dollar spent, offering a streamlined financial management solution for AI-centric operations.
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At its core, Nebula offers a single bank account capable of tracking expenses down to individual models, GPU hours, and API calls. It features scoped virtual Visa cards that can be issued instantly via API or dashboard, each bound to a policy enforced at the card network level. These policies can include spending ceilings, merchant allowlists, spend windows, and approval thresholds, ensuring that agents, vendors, or teammates operate within predefined budgets and controls. Cards can be single-use, recurring, or locked to a specific merchant, enhancing security and preventing unauthorized use.
The platform integrates with over 40 inference and compute vendors, pre-mapping transactions for automatic attribution. Every charge is coded to the specific agent, model, and environment, with receipts automatically attached. This eliminates the need for manual reconciliation and provides granular visibility into AI infrastructure costs. For human team members, physical cards with the same controls are also available.
Nebula simplifies the account opening process, promising an account number the same afternoon after a 12-minute application and a two-hour KYB (Know Your Business) process. It operates as a financial technology company, not a bank, with deposits held at FDIC-insured partner institutions. The ledger's native dimensions — agent, model, and environment — provide a level of detail traditional banks cannot offer.
Security and data privacy are paramount. Transaction data is never used to train models or sold. Vendor credentials are held in an isolated vault, and agents only access data required for their tasks. All access is recorded in an immutable audit log. The platform is audited annually against SOC 2 Type II and PCI DSS standards, with data encrypted in transit and at rest. Enterprise customers can opt for EU data residency.
Nebula offers different pricing plans, including a Growth plan with no platform fee and a Scale plan for larger operations. Core services like account opening, card issuance, and domestic ACH transfers are free on all plans. Fees apply for international transfers and usage exceeding plan allowances. The platform aims to replace human-intensive finance tasks with automated, real-time financial controls for AI companies.
- CategoryFinancial Analysis Tools
- Pricing ModelFreemium
- DeploymentCloud
- PlatformsWeb
Nebula's Core Features
AI-Native Banking: Bank account built for AI companies
Automated Expense Attribution: Tracks inference bills, agents, and dollars automatically
Scoped Virtual Cards: Issue virtual Visa cards with network-enforced policies
Real-time Policy Enforcement: Budgets and rules checked before money moves
Granular Spend Tracking: Attribution down to individual calls, models, and environments
Vendor Integration: Pre-mapped connectors for 40+ inference and compute vendors
Automated Receipt Matching: Charges coded with agent, model, and environment tags
Fast Account Opening: Application to account number in one afternoon
API-Driven Operations: Issue cards, enforce policies, query ledger via REST API
Sandbox Environment: Full API copy for testing policies and webhooks
Multi-Currency Accounts: USD, EUR, GBP accounts with sweep rules (Scale plan)
Audit Logs: Immutable audit trail for all access and changes
Fraud Prevention: Anomaly detection and policy-based decline enforcement
Data Privacy: Transaction data never used for model training or sold
SOC 2 Type II & PCI DSS Audited: Ensures high security standards
How to use Nebula?
Open Account: Complete a 12-minute application and 2-hour KYB process to get an account number the same afternoon.
Connect Vendors: Link your inference, cloud, and agent spend vendors to Nebula for automatic attribution.
Issue Agent Cards: Use the API or dashboard to issue virtual Visa cards for agents, vendors, or teammates.
Define Spending Policies: Attach policies to cards, setting ceilings, merchant allowlists, and spend windows.
Monitor Transactions: Track every charge in real-time, coded to agent, model, and environment with attached receipts.
Manage Policies: Freeze or revoke cards instantly at the network level, and update policies with version control.
Query Ledger: Use the API to query immutable ledger events by agent, model, environment, or customer tags.
Send Payouts: Request FX quotes and send international payouts across 31 corridors using local rails.
Nebula's Use Cases
- Automated AI Spend Tracking
- Agent Card Management
- Real-time Budget Enforcement
- Financial Reconciliation for AI
- Multi-Currency Operations
- Developer-Friendly Finance
- Secure Vendor Payments
- Compliance and Audit Trail
- Optimizing Cloud & Compute Costs
- Scaling AI Infrastructure
