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        <div>
         <div class="content-section">
          <p>
           Hi! I know we're all inundated with AI hype, so let me cut to the chase. If you reply to this (or email
           <a style="color: #0164BF; text-decoration: none; " target="_blank">
            concierge@expensify.com
           </a>
           ) with any question about anything, such as:
          </p>
          <ul>
           <li>
            <em>
             How much do I spend per month?
            </em>
           </li>
           <li>
            <em>
             When did I last go to Mr Taco?
            </em>
           </li>
           <li>
            <em>
             Do a quarterly flux analysis by category, merchant, and employee
            </em>
           </li>
          </ul>
         </div>
         <div class="content-section">
          <p>
           … or any request to do anything, such as:
          </p>
          <ul>
           <li>
            <em>
             Record a $10 Extracto Coffee expense and add Bob as an attendee
            </em>
           </li>
           <li>
            <em>
             Create a rule to categorize all Mr Taco expenses as "Fine Dining"
            </em>
           </li>
           <li>
            <em>
             Copy my "New Client" workspace, rename it "Mr Taco", and add bob@mrtaco.ai as an admin
            </em>
           </li>
          </ul>
         </div>
         <div class="content-section">
          <p>
           … then our Concierge AI will respond with:
          </p>
          <ul>
           <li>
            Confirmation that it did whatever you instructed it to, or
           </li>
           <li>
            A complete answer to whatever question you asked, along with a beautiful chart like this!
           </li>
          </ul>
          <img alt="Concierge AI top categories chart" src="https://inboxflows.com/_/image/https%253A%252F%252Fd2k5nsl2zxldvw.cloudfront.net%252Fimages%252Fnewsletter%252F2026-06%252Fjun-product-update-202606-top-categories-chart.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZkMms1bnNsMnp4bCIsInRpbWUiOjE3ODI4NTE0OTQuMzU4Mjg1fQ:1wef7G:Pf87D8cVZnV7Bd89RA01BtT-s19aQmItB7wJjsceoag" style="width: 100%; max-width: 680px; height: auto; margin-top: 20px; display: block; border-radius: 16px"/>
         </div>
         <div class="content-section">
          <p>
           All this works through email -- or text 47777 -- no need to use the app (though obviously, the app is even better, with realtime streaming responses and push notifications). I'm pretty sure that level of deep AI integration is not just a first for expense management, but maybe a first anywhere. We've long said "every expense is a conversation", and that conversation isn't just with your team: it's increasingly with a superintelligent AI, eager to help.
          </p>
         </div>
         <div class="content-section">
          <p>
           More of a visual learner? Watch this to get a sense of what you can do:
          </p>
          <a>
           <img alt="Concierge AI demo video preview" src="https://inboxflows.com/_/image/https%253A%252F%252Fd2k5nsl2zxldvw.cloudfront.net%252Fimages%252Fnewsletter%252F2026-06%252Fjun-product-update-202606-video-preview.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZkMms1bnNsMnp4bCIsInRpbWUiOjE3ODI4NTE0OTQuMzU4NTA1N30:1wef7G:I3nc628TK407NdEl_Cz7m-bTY7VTMOlnWy_uLGF2gdE" style="width: 100%; max-width: 680px; height: auto; margin-top: 20px; display: block; border-radius: 16px"/>
          </a>
         </div>
         <div class="content-section">
          <p>
           It's hard to list out just how much a superintelligent AI can do for you, given that it's "pretty much everything".
           <a style="color: #0164BF; text-decoration: none; " target="_blank">
            Check out all the ways Concierge can help you
           </a>
           , including:
          </p>
          <ul>
           <li>
            <strong>
             Expense assistant.
            </strong>
            Create, categorize, tag, and modify expenses and reports. Submit, approve, and reject reports on command. Or, just sit back and do your thing, and Concierge can learn your habits and fix mistakes automatically as it sees them.
            <br/>
            <br/>
           </li>
           <li>
            <strong>
             Policy enforcer.
            </strong>
            Group and submit expenses on whatever cadence you choose. Verify enough food was ordered for that number of attendees, make sure nobody is giving out crazy tips. Route and auto-approve/reject reports based on amount, expense, submitter, moon cycle, cuisine, or truly anything you can imagine, just say the word.
            <br/>
            <br/>
           </li>
           <li>
            <strong>
             Virtual CFO.
            </strong>
            Get a series of flux analyses in your email inbox every month. Ask any question about any dimension of your data – submitter, category, tag, workspace, card, month, quarter, receipt status, export stats… anything – and get a beautiful chart. Don't like that chart? Say why and get a better one, no clicking, coding, or customization required.
            <br/>
            <br/>
           </li>
           <li>
            <strong>
             Expense IT.
            </strong>
            Concierge can not only explain what Expensify can do, but can configure it for you. Something didn't work as you expected? Don't spend hours debugging it yourself: just ask Concierge and it can diagnose the problem for you, and fix your config so it won't happen again.
            <br/>
            <br/>
           </li>
          </ul>
         </div>
         <div class="content-section">
          <p>
           Still not quite getting it? I can't blame you: AI is a marketing term, not a technology, and the market has aggressively "AI-washed" traditional automation with "AI this" and "agent that", to the point all AI can start to sound the same. But underneath the marketing there are some genuine technical differences happening that are important to understand. So to help you separate the reality from the hype, let me suggest a variation of the 5-level framework used to rank self-driving car capability, adapted to expense management:
          </p>
          <ul>
           <li>
            <strong>
             Level 0: Rules and alerts ("you drive, and it gives you warnings").
            </strong>
            This is where most of the industry is at: highly configurable tools that highlight problematic conditions and make changes using basic "if/then" rules engines. Autocorrection, traditional rules engines, and missing-receipt alerts are good examples of level 0 automation. This kind of manually-configured automation is powerful when it works. But when you break it (and as you add more and more rules, you inevitably will), it's on you to debug and fix it.
            <br/>
            <br/>
           </li>
           <li>
            <strong>
             Level 1: AI insight ("you drive, but it helps you see the road").
            </strong>
            The first level of "real AI" (a hilariously paradoxical concept) is when you start using a general-purpose AI to analyze or transform snapshots of data -- such as by copy/pasting data into a chat window, uploading a CSV, or even
            <a style="color: #0164BF; text-decoration: none; " target="_blank">
             connecting Claude to Expensify through MCP
            </a>
            . This can produce impressive insights and beautiful dashboards. But it's generally a read-only experience that advises you how to do your job -- meaning it's still on you to actually do the work.
            <br/>
            <br/>
           </li>
           <li>
            <strong>
             Level 2: On-demand AI action ("it helps steer when you ask").
            </strong>
            This is quickly becoming the "new baseline", where you can ask the AI to do anything you can do via the UI, and it just works. Concierge is a Level 2 AI that can scan receipts, categorize expenses, approve reports, and more. It can also explain why it did it -- and reconfigure the workspace and itself to do it differently next time. Concierge and most modern "copilot" experiences live here: extremely useful, but you still decide what should happen and when.
            <br/>
            <br/>
           </li>
           <li>
            <strong>
             Level 3: Workflow autonomy ("it drives the workflow, but asks you to take over when needed").
            </strong>
            AI gets really interesting when it starts to operate independent of you as a full member of a predefined workflow. Rather than you asking it to do something, it recognizes when it's supposed to do it -- and does it in a way that can be audited later, but without waiting for confirmation. This isn't a basic "deterministic" (ie, if/then) workflow engine operating on cleanly defined transactional data. This is using "non-deterministic" (ie, large language model) technology to evaluate unstructured natural-language conversations and documents to find patterns and make genuine judgement calls -- and then collaborate using natural language with other humans or agents. It can inspect, modify, route, and process expenses; ask employees for missing information through conversational email; chase receipts; apply exceptions; and escalate only the difficult cases. This is the jump from AI replacing clicks to AI owning a workflow. Our
            <a style="color: #0164BF; text-decoration: none; " target="_blank">
             agent rules
            </a>
            feature (in beta) is I think the first in our industry to do anything like this.
            <br/>
            <br/>
           </li>
           <li>
            <strong>
             Level 4: Role autonomy ("it fully drives within a defined operating area").
            </strong>
            At this level it starts to get pretty wild: rather than defining specific rules in the narrow confines of a defined workflow, you build a persistent virtual agent to operate as an extension of yourself. Think of the most boring, repetitive parts of your job, and hand it off to a collaborative agent that serves as your virtual expense compliance manager, AP coordinator, travel administrator, close assistant, and so on. Expensify's
            <a style="color: #0164BF; text-decoration: none; " target="_blank">
             custom agents
            </a>
            can collaborate through email, chat, and text; decide what work needs doing; handle routine exceptions; and maintain a complete audit trail -- within defined permissions, budgets, and escalation rules. They do not just execute requests; they perform a real operational role.
            <br/>
            <br/>
           </li>
           <li>
            <strong>
             Level 5: Outcome autonomy ("it drives anywhere").
            </strong>
            This last level is admittedly a bit aspirational. Rather than "just" handing off your most boring and repetitive work -- the kind of work you can do in your sleep -- you give AI a high-level goal, and then step back and let it get to work. For example, rather than ...
            <ul>
             <li>
              "attach this receipt image to this transaction" (level 0),
             </li>
             <li>
              "match this folder of receipts to this CSV" (level 1),
             </li>
             <li>
              "automatically match all uploaded receipts to this linked card feed" (level 2),
             </li>
             <li>
              "contact everyone who needs to upload a receipt and verify it matches" (level 3),
             </li>
             <li>
              "reconcile my corporate card feed and verify nobody is inflating attendees" (level 4)
             </li>
            </ul>
            <p>
             … you give a high level assignment like …
            </p>
            <ul>
             <li>
              "maintain GAAP compliant records and prevent fraud" (level 5)
             </li>
             <li>
              "reduce close time by 30%" (level 5)
             </li>
             <li>
              "launch a UK entity" (level 5)
             </li>
            </ul>
            <p>
             … and a level 5 AI will independently figure out what work must happen, coordinate people and systems, adapt the process when circumstances change, and only come back for genuinely consequential decisions. Expensify doesn't do this yet. But someday…?
            </p>
           </li>
          </ul>
         </div>
         <div class="content-section">
          <p>
           Anyway, I know we're all overwhelmed by endless talk of AI, and are anxious about its pace and direction of development. But it's here, it's not going anywhere, and it's ready to work for us, right now. If you've been sitting on the sidelines, Expensify AI is the easiest way to join the party – come on in, the water's fine! Because Expensify is committed to not merely keeping a "human in the loop", but a "human in the
           <strong>
            lead
           </strong>
           ". Our AI isn't going to replace you, but it
           <em>
            will
           </em>
           supercharge you. Think of everything you wish you could do if you had unlimited time… and let's start there.
          </p>
         </div>
         <div class="content-section">
          <p>
           Expensify is your ride or die expense AI. For $5/mo.
          </p>
         </div>
         <div class="content-section">
          <p>
           -david
           <br/>
           Founder and CEO of Expensify
           <br/>
           Follow me on LinkedIn!
           <a style="color: #0164BF; text-decoration: none; " target="_blank">
            linkedin.com/in/davidmbarrett
           </a>
          </p>
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