The future of enterprise finance is modular

Over the past four years, as we’ve worked with an increasing number of finance teams in the Global 2000, one theme has become impossible to ignore. Enterprises want the choice and the freedom to assemble best-in-breed solutions that meet them where they are.

That’s why the old “build vs. buy” question is increasingly becoming “build, buy, or partner.” For companies focused on delighting customers, ecosystem partnerships compound innovation to bring value to customers faster than going at it alone.

Our announcement this week — an embedded payment partnership with an $850B powerhouse in enterprise cloud infrastructure — is the perfect example of why this strategy works. It validates our belief that embedding Brex inside the tools customers already love is the most customer-centric strategy we could pursue. Because, at the end of the day, customers are the real catalysts. And when enough of them ask for a more unified experience, companies should listen. They should put competition aside and collaborate for the greater good of the teams they serve.

That’s exactly why we designed Brex to be modular, so we can power global payments in any enterprise software workflow, whether it lives on Brex or not. It’s the fastest way to unlock value for customers, allowing their teams to move seamlessly across timezones and continents.

And to quote my favorite CFO influencer CJ Gustafson, “And it’s a hell of a lot better when the pieces are built to play nice.”

Setting a new standard with Oracle

Our newest partnership with Oracle Fusion Cloud ERP marks another major milestone: Brex is now the only fintech issuer embedded directly into Oracle’s supplier payment workflows. This collaboration redefines how enterprise payments work with a company serving a vast majority of the Fortune 500 and Global 2000.

With Brex cards now built into Fusion Payables, enterprises can:

• Streamline supplier payments: Pay globally in 30+ currencies with local billing.
• Move fast, with control: Configure merchant-specific locks, spend caps, and real-time controls
• Turn AP into ROI: Unlock high rebates and transform payments into profits

This partnership will deliver the precision and scalability these finance teams need.

A strategy built around choice

In the enterprise, there’s no CFO in an ivory tower making every buying decision. The controller chooses the expense tool. The travel manager picks the booking system. And the procurement lead owns sourcing. And Brex now embeds directly inside of all these mission-critical softwares. Oracle Fusion, Coupa, Zip, Navan, and Sabre. Across travel, procurement, and ERP.

With Brex, global finance teams gain the ability to:

• Launch fast: Go live in weeks — not months — with a single global credit limit and digital underwriting.
• Scale globally: Issue local cards in 50+ countries and 30+ currencies with local billing to avoid FX markups and intercompany transfers.
• Pay anywhere: Enjoy unmatched worldwide acceptance, powered by Mastercard in more than 200 markets.

Brex doesn’t replace your stack. It amplifies it, giving finance teams unified visibility, control, and value across every workflow.

Looking back: One year of Brex Embedded

When we launched Brex Embedded with Navan in late 2024, it was an experiment in distribution. Today, it’s a growth engine, underscoring the demand for a global card that achieves 100% reconciliation, avoids FX markups, and moves faster across borders.

Our Zip partnership extended that same power to procurement. Brex + Zip combines best-in-class intake and approvals with global payments — enabling finance teams to manage procurement and payables without leaving their systems of record.

And the hits keep coming. Twelve months later, our growing ecosystem of partners has become a competitive differentiator. As of September, Brex Embedded crossed $2B in annualized payment volume. The results speak for themselves:

• 4x faster sales cycle
• 5x larger customers
• 70% more spend per customer
• 3x higher win rate with public companies, approaching 90%

What’s next: Integrated finance is intelligent

The next frontier of embedded finance is intelligent. AI will automate spend classification, predict cash needs, and surface insights across systems — helping finance teams make faster, smarter decisions. Our mission is simple: serve customers better and faster through strategic partnerships that meet them where they are.

As we look ahead, new technologies are expanding what’s possible. The same infrastructure that powers Brex global cards today will support future forms of programmable money, helping companies move capital more securely and at lower cost.

With Oracle Fusion as a cornerstone, Navan and Zip as proof points, and AI as the connective layer, Brex is leading the industry to a modular and intelligent future of enterprise finance.