---
title: "Winter'25 Edition: When spend becomes a conversation"
slug: "winter-25-edition-when-spend-becomes-a-conversation"
description: "Discover Payhawk's Winter '25 Edition: AI agents in the platform and mobile app, a new business travel experience, eInvoicing, custom roles, and security."
updated: 2026-10-20T06:57:23Z
published: 2026-10-20T06:57:23Z
canonical: "payhawk.com/winter-25-edition-when-spend-becomes-a-conversation"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://payhawk.com/help/llms.txt
> Use this file to discover all available pages before exploring further.

# Winter'25 Edition: When spend becomes a conversation

Discover Payhawk's Winter '25 Edition, featuring AI Agents and new tools for improved security, invoicing, and payments. With updates to travel management, customization, and control, Payhawk helps your team manage business spend more efficiently.

---

## The native AI experience

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### AI Office of the CFO

AI Agents are now fully integrated into the Payhawk platform and mobile app, allowing users to complete tasks easily through chat. Built for a straightforward experience, these tools help your whole team adopt proactive financial control as part of their everyday workflow.

- [Financial Controller AI Agent](/help/financial-controller-ai-agent)
- [Payments AI Agent](/help/payments-ai-agent)
- [Procurement AI Agent](/help/procurement-ai-agent)
- [Travel AI Agent](/help/overview-of-the-travel-ai-agent)

### Brand new business travel experience

Experience a streamlined travel process in the Payhawk mobile app, where travel requests and bookings happen in a single conversation. Managing business travel is now more efficient and straightforward.

- [Travel AI Agent](/help/overview-of-the-travel-ai-agent)

### The easiest way to make requests

You can now create and manage requests quickly, with your input automatically converted into detailed forms that are easy to review and update. This streamlined process cuts down on manual steps and speeds up approvals.

- [Procurement AI Agent](/help/procurement-ai-agent)

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## Smarter invoicing, enhanced security, seamless payments

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### eInvoicing ready across Europe

Automate invoice reception, validation, and ERP synchronization with Peppol-certified infrastructure via Invopop. Payhawk helps you stay efficient and compliant, keeping your business ready for Europe’s digital invoicing requirements.

- [eInvoicing](/help/einvoicing-with-payhawk)

### Custom roles

Empower your team with roles designed specifically for their workflows and responsibilities. With fully customizable visibility and permissions, you gain granular control to achieve the most comprehensive segregation of duties ever.

- [Custom roles](/help/custom-roles)

### Product security enhancement

Payhawk now enhances 2FA security management by adding email as an authorization option, alongside the existing Payhawk app and SMS methods, giving your company more ways to protect user accounts.

- [Enabling and managing 2FA security](/help/enabling-and-managing-2fa-security-for-payhawk-users-at-your-company)

### Adopting SEPA Instant Payments Rulebook 2025

Payhawk adopts the latest SEPA Instant Payments Rulebook 2025, removing transaction limits and supporting hybrid address formats. This update enables businesses to make faster, more flexible payments across SEPA, helping you move funds instantly and without disruption.

- [Paying expenses one by one](/help/paying-expenses-one-by-one#notes-on-paying-single-expenses)
- [Paying expenses in bulk](/help/paying-expenses-in-bulk#notes-on-bulk-payments)

### Enhancing payment security with verification of payee

Payhawk supports the European Payments Council’s Verification of Payee (VOP) initiative, adding an extra layer of protection to ensure payments reach the correct recipient. This update strengthens the safety and reliability of every transaction.

- [Verification of Payee (EEA only)](/help/verification-of-payee-eea-only)