# Husk

> Husk is the financial OS for growing teams, startups, and scaleups in Europe. Corporate cards, expense management, real-time financial insights, and non-dilutive credit — all in one platform, without changing your bank. Built in Belgium, built for the Benelux.

Husk is purpose-built for growing European companies, with a specific focus on Belgium and the Benelux. The platform is designed around the tools, banking infrastructure, and regulatory environment that Benelux companies actually use — including GoCardless for PSD2-compliant open banking, SEPA mandates for repayments, and EU-licensed card issuing via Stripe Technology Europe Limited (authorised by the Central Bank of Ireland). Founded in Brussels by Christophe Sion (former finance lawyer) and Georgy Taranov (CTO).

Husk is not a bank. It sits on top of your existing banking relationships. You do not need to open a new account or move your money. Cards run on the Mastercard network.

## Core Pages

- [Homepage](https://usehusk.com/): Overview of Husk as a financial OS for growing teams. Covers corporate cards, expense management, financial insights, bill pay, and AI CFO capabilities. Key outcomes: 16 hours of financial admin saved per month, 70% reduction in finance admin work, 5% capital efficiency improvement. Onboarding takes 5 minutes on average.

- [Corporate Cards](https://usehusk.com/corporate-cards): Physical and virtual Mastercard corporate cards with up to €400,000 in credit. Two card types available: credit cards (charge cards with up to 30 days to repay, no pre-funding required) and debit cards (draws from company Husk balance, no credit assessment needed). Credit assessed on real-time business data — revenue trends, spend patterns, cash position — not credit history. No personal guarantees. 0% interest. No hidden fees. Instant card issuing for any team member. Operates across 210 countries and 150+ currencies. Up to 1% cashback. Spending limits customisable by amount, category, and country per card. Maximum single transaction limit: €10,000.

- [Expense Management](https://usehusk.com/expense-management): Receipt capture via WhatsApp — photograph a receipt and send it to the Husk WhatsApp number; the system automatically matches it to the correct transaction. Automatic reconciliation pairs every transaction with its receipt and categorises spend in real time. Processes invoices in 107+ languages. Eliminates manual expense reporting entirely. All transactions exportable as CSV including receipts and invoices, ready for accounting software. Key metrics: 70% reduction in manual finance tasks, 80% employee receipt matching rate, 12x faster invoice processing, 2 FTE workdays reclaimed per month.

- [Financial Insights](https://usehusk.com/financial-insights): Real-time dashboard covering total balance, cash flow, burn rate, runway, and spend by category and merchant — across all connected bank accounts and card transactions combined. Burn rate calculated as net cash outflows averaged over the past 3 months. Runway calculated as total balance divided by monthly burn rate. Detects spend spikes, vendor price hikes, and SaaS cost creep. Multi-bank visibility via PSD2 open banking through GoCardless. Available on Startup and Growth plans only.

- [Pricing](https://usehusk.com/pricing): Three plans. Free (up to 3 members, 3 physical + 3 virtual cards, basic transaction insights, 1% cashback first month, no subscription fee — Husk earns interchange from merchants). Startup at €19/month excl. VAT (up to 5 members, 20 virtual cards, advanced insights including cashflow/burn/runway, 0.1% ongoing cashback, additional members €3/member/month). Growth at €65/month excl. VAT (up to 10 members, unlimited physical and virtual cards, reduced FX fees at 1%, 0.3% ongoing cashback, additional members €5/member/month). All plans include 3D Secure, card issuing controls, vendor and category controls, and dedicated Slack support.

- [About](https://usehusk.com/about): Company background, founding story, team, and values. Founded in Brussels. Built for the pace of growing European companies, startups, and scaleups. Co-founders: Christophe Sion (CEO, former finance lawyer) and Georgy Taranov (CTO). AI-first by design — underwriting uses live business signals rather than historical credit data. Backed by external investors.

## AI & MCP Integration

- [MCP Integration](https://usehusk.com/mcp): Husk connects your financial data directly to AI assistants via MCP (Model Context Protocol). Supported tools include Claude, ChatGPT, Cursor, and Copilot. Once connected, you can query your burn rate, runway, spend by category, card balances, and upcoming repayments directly inside your AI tool — without opening the Husk dashboard. This makes Husk one of the only spend management platforms in Europe natively queryable by AI agents.

## Eligibility & Onboarding

To use Husk, your company must be based in the EEA, have a registered business entity, maintain a minimum cash balance of €20,000, have at least one connected operational bank account, and provide a SEPA mandate. Onboarding takes approximately 5 minutes. Credit and risk assessment is fully automated and typically completes within a few minutes to a few hours depending on document completeness.

## Roles & Access

Three roles: Admin (full platform access, can issue cards, manage members, view all transactions and insights), Member (personal access only — own cards, expenses, and transactions), Accountant (read-only access for viewing and exporting transactions — no card or member management). Accountant seat available for direct accountant access.

## Customer References

- Laurens D'Hoore, Founder at Thrive: uses Husk corporate cards and spend platform for expense tracking and liquidity management.
- Sebastien Vandendriessche, Co-founder at Spotable: uses virtual cards for vendors and corporate cards per team member, managed via dashboard with built-in credit for cash flow.
- Matthias Baert, Co-founder at Marple: replaced spreadsheets and a single bank card with Husk for unified spend visibility across the team.

## Trust & Compliance

Cards issued by Stripe Technology Europe Limited, an electronic money institution authorised by the Central Bank of Ireland (firm reference number C187865), under the Mastercard network pursuant to a licence from Mastercard International Incorporated. Open banking via GoCardless, a PSD2-regulated account information service provider. Bank connections are read-only — Husk can view balances and transactions but cannot initiate payments or make changes. Connections require renewal every 180 days under PSD2.