What companies ask before they start.

Oteo controls your team’s spending and gets your numbers ready faster. Your policy looks after everyday spending, trips and purchases are approved first, and every expense arrives with its invoice; at month end, your accountant gets everything in order.

Companies in Ecuador where several people spend on the company's behalf: purchases, trips, work meals, field work and subscriptions. If today you keep it together with emails, WhatsApp and Excel, Oteo is for you.

Your accounting system records what already happened. Oteo controls spending before and while it happens: who can spend, how much, with which invoice and who approved it. What reaches your books is already checked.

No. Oteo is a tool, not an accounting firm. It takes chasing invoices and sorting the month off your accountant's plate, but you and your accountant decide on and answer for your filings, withholdings and records.

No. Oteo never receives, holds or moves your money. Payments always leave from your bank: Oteo prepares the file and you upload it, as you do today. Oteo is not a bank or a payment company.

No. Oteo works with the bank and cards you already have: you forward your bank's purchase alerts once and every purchase becomes an expense.

Oteo works out what each person is owed and what they must return from an advance. You pay by transfer, through payroll or in cash. With Banco Pichincha or Banco Guayaquil, Oteo builds the file to upload to your bank; with another bank, ask us for the format.

It doesn't happen. Oteo blocks repeated invoices and warns you when a payment was already made, so nobody gets paid twice.

By email. You forward the invoices you receive once, and it takes 2 minutes. Each person also has their own address to give when they buy. Oteo checks every invoice with the SRI and matches it to its expense.

Oteo asks them every three days, up to three times, then tells their manager. You chase nobody. If there really is no invoice, your policy says how many expenses without a receipt you accept each month.

There's no need. Invoices arrive by email, so Oteo doesn't have to log in to the SRI with your password.

Yes. At month end you export an Excel file with purchases in the order of the ATS and your chart of accounts, plus the SRI XML files. Your accountant loads it into their system.

No. Oteo prepares the data for each withholding and reminds you of the dates; you issue and file them in your own system, as always. Oteo sends nothing to the SRI.

No. They arrive by email, and whenever you want the whole month you upload the SRI’s received-invoices report.

Oteo fetches the authorized invoice from the SRI by its access key. If it was rejected, is more than a year old or doesn’t match its key, it’s set aside with the reason.

It’s marked as issued to that person and not the company, and Oteo asks them if it was for work. If they say yes, it becomes a company expense; if not, it stays out.

No. Each supplier appears on its own with its first electronic invoice and its SRI details. You can also import your list from your accounting system without losing what you already have.

No. Oteo never touches the money: it keeps each supplier’s account ready for whoever pays.

With your policy: monthly limits by person, area or role, what needs an invoice and what needs approval. What follows it is approved on its own; what doesn't goes to whoever should decide, before the money leaves.

Hardly. When they buy, they give their Oteo email for the invoice or upload a photo of the receipt, and Oteo does the rest. What's missing, Oteo asks for, not you.

Each person sees only what their role allows: an employee, their own expenses; a manager, also what's waiting for their approval; admins and accountants, the whole company.

Yes, for free. Your accountant has their own access to see the close and download the month when it's ready.

The AI reads receipts, quotes and invoices, and checks every expense against your policy, quoting the rule. It recommends; you have the last word. It only approves a small request on its own if you set it up that way.

No. Oteo uses Claude, by Anthropic, which processes your data only to answer and doesn't use it to train its models. Oteo doesn't train models on your company's data either.

Yes, in beta. You connect your assistant and it works with your own role. Before it changes anything it shows you what it will do and waits for your yes. It never moves money or touches the SRI.

Yes. Everything is encrypted in transit and at rest, everyone signs in with two-step verification, each person sees only what their role allows and there's a record of who did what and when. Backups are encrypted too.

Your company. You can export it whenever you like, for example to Excel. We don't sell data or use it for advertising.

You have 30 days to download it. After that we delete it within two years at most, or sooner if you ask us in writing.

On servers in the United States, with providers under contract and security measures equivalent to ours. Under Ecuador's data law this is processing on your behalf, not an international transfer. The list of providers is in the data processing agreement.

Under the LOPDP, your company is the controller of the data and Oteo processes it on your behalf, only as you instruct. The data processing agreement is part of the contract, and if an employee asks for their data, we help you answer.

Oteo opens soon in Ecuador. Leave your work email and we'll let you know first.

You choose how much you want to review by hand, or upload your policy as a PDF or Word file and Oteo turns it into rules. Forwarding your invoices to Oteo takes 2 minutes.

No. You cancel whenever you like, from the app or by email, and your plan runs to the end of the period you paid for.

By email, on working days, in Spanish or English.