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Payhawk cuts security investigation time by 80% with nexos.aiPayhawk, a leading expense management platform, helps businesses control company spend and automate 90% of manual work. To help finance teams across Europe work smarter and better, Payhawk needed to scale their operations with AI.Here, Payhawk faced a paradox: growing with LLM tools vs. potentially exposing sensitive financial data to shadow AI. That's when nexos.ai stepped in.
Mia LysikovaBy Mia Lysikova
98%+

Data accuracy rates with AI

75%+

Active user adoption rate

75%+

Reduced overall processing costs

payhawk hero
Table of Contents

The challenge

Lack of security & complianceLow usage limitsLittle to no customizationLack of control

The solution

AI Guardrails200+ LLMs in one placeCustomization controlObservability

The result

The Challenge: Scale fintech with AI at no security risk

The Payhawk team was no stranger to AI before integrating nexos.ai. Both tech and non-tech teams experimented with LLMs:

Finance

Gathered data and generated ideas for critical decision-making and planning, but couldn't risk inputting sensitive financial data into LLMs.

Customer Support

Built an AI chatbot to resolve client queries 24/7, but struggled to connect internal databases to give context-aware answers.

Operations

Cut time on repetitive tasks by AI automation, but also procured many models with overlapping features that could've all been one app.

“Teams were exploring AI independently: great for innovation, but terrible for coordination, compliance, and budget. We needed a centralized platform that maintained security and let all teams benefit from AI at the same time.”

Boyko Karadzhov

Boyko Karadzhov

Co-Founder and CTO @Payhawk

By the start of 2025, scattered AI tools couldn’t support sustainable scalability anymore.Payhawk faced these challenges:

Lack of security & compliance

Payhawk processes huge amounts of financial data for some of the biggest companies in the EU. That meant unparalleled data privacy was an absolute must-have. Separate LLMs couldn't guarantee it.

Low usage limits

Restrictive LLM usage posed another challenge. No matter how many AI tools Payhawk procured, there were never enough tokens for every team, volume, and types of AI queries.

Little to no customization

Payhawk struggled to find a highly-customizable LLM to fine-tune API to meet specific business needs. Previous attempts at AI integration resulted in low adoption rates and slow onboarding.

Lack of control

Just having an AI tool that works wasn't enough. The C-level team sought complete transparency: a feature to track both company-wide AI usage and individual, granular insights by each employee.

The Solution

nexos.ai turned Payhawk's fragmented AI toolkit into a secure, centralized AI powerhouse. The company stopped paying for and juggling multiple models.Instead, every tech and non-tech team gained instant access to 200+ LLMs through a single platform. All the convenience with enterprise-grade security, perfect for a fintech solution, built in.

Payhawk x nexos.ai success in numbers

Don't hear it from us. The results speak for themselves.
98%+Data accuracy rates with AI
75%+Active user adoption rate
40%+Reduced overall processing costs

Here's how nexos.ai solved each challenge.

1. AI Guardrails for fintech-ready securityAI guardrails help enforce precise controls over what data can be entered, helping Payhawk prevent any accidental sharing or processing of sensitive information.Payhawk set specific rules for company-wide AI usage:

  • Employees can’t input certain sensitive information.

  • AI models aren’t allowed to process certain input types or produce specific responses.

Every interaction stays secure and compliant. Support can now automate responses without risking customer information. Finance can get information without risking leaks. 
how quardrails work vertical
2. Access to 200+ LLMs in one placenexos.ai's high usage limits meant every team, from Operations to Development, had the AI tools they needed. Payhawk unlocked access to all leading LLMs from a single interface in a single subscription. Employees switch models within the same window and keep workflow uninterrupted.
elevate progress wheel model selection
3. Full customization controlGranular access controls let IT manage permissions at individual, department, or team level. For example, when HR needed access to GPT-4 for automating daily comms, Payhawk easily unlocked it for the whole department, but restricted the more expensive and unnecessarily complex models like Claude to Development team use only.AI Gateway also serves as a fully customizable API architecture to scale features within Payhawk. Instead of building a custom solution in-house, nexos.ai handles it all at a fraction of the cost.
function team management
4. Complete usage transparency with ObservabilityOne Observability dashboard reveals everything: who used what model, when, and how much it cost.Leadership could track AI spend by department, identify inefficiencies, and optimize usage in real-time.
nexos metrics tokens usage

The Result

With nexos.ai, Payhawk achieved 98% data accuracy, slashed costs by 40%, and cut security response time by 80%, all while maintaining zero compliance violations.Today, every Payhawk uses AI. Finance processes billions securely. Support automates without exposing data. Development innovates with confidence.

“Before, teams were using ChatGPT and Gemini. Today, 75% of our workforce confidently uses enterprise AI. nexos.ai gave us 40% cost reduction and bulletproof security in one platform.”

Boyko Karadzhov

Boyko Karadzhov

Co-Founder and CTO @Payhawk

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