46%decrease in manual reconciliation
Healthcare□ Read the Kern* brief »
See what your team spends as it happens. Issue cards, set limits, approve — all in one place.
- 82%
- increase in spending visibilitywithin the first year
- 10x
- faster setup timefrom onboarding to first use
- 54%
- reduction in manual follow-upsacross payment workflows
□ What Kern* does
Decide before the spend,not after the receipt.
01
Limits live on the card
Per person, per team, per project. Anything above becomes a request — until then the card simply declines.
02
Stop chasing receipts
A charge pings the spender, one photo closes it. The end-of-month hunt disappears.
03
Lands in the ledger
The category is decided at the moment of payment, not re-keyed later.
□ For modern teams managing spend
Who Kern is built for
One product, four jobs. Here is what each of them actually needs.
Close the books without a meeting
Card activity arrives already categorised. The month-end reconciliation meeting stops being necessary.
□ Inside the product
Three screens, that is the product.
Cards
Issue, freeze and re-limit from the list itself.
Approvals
The request and its context arrive together.
Balance
What is left, and where this month went.
□ Real messages · real feedback
What they say about Kern
>50vendors managed in one place
Retail
88%increase in speed to market
B2B
18 hourssaved each month on finance
Hospitality“Good financial tools stay out of the way. Kern gives us confidence without adding complexity.”
Head of Finance · operating in 12 countries
□ Security & compliance
The unglamorous half
These are the requirements such a product must meet — not certifications this concept claims to hold.
Encrypted end to end
AES-256 at rest, TLS 1.3 in transit.
Separated permissions
Whoever issues is not whoever approves.
Reversible record
Every change keeps its who and when.
Choose where data rests
Stored in the region you nominate.
□ Frequent questions
Answered before you ask.
Yes. Transactions arrive already categorised, so nothing gets re-keyed.
Both. For single-vendor spend like subscriptions, a virtual card locked to that vendor is safer.
The charge declines and a request goes up. Once approved, they simply pay again.
Adding the team and issuing the first card is usually inside a day.
Yes. Conversion is recorded at the time of payment, with the fee on the same line.
Freeze the card immediately; their history stays intact.
Per user, with no cap on how many cards you issue.
No. This site is a concept built for a portfolio; the company and its customers do not exist.
Get started with Kern*
This is a concept, so there is nothing to sign up for. If you need work like this, get in touch.