Stemma AIStemmaAI

For businesses with heavy supplier spend, whatever you buy

Never overpay a supplier again.

Stemma checks every supplier invoice against your contracts and pricing history, flags the overcharges that slip through, and drafts the claim to reclaim them.

Free six-week pilot. You only pay if we find money.

Every invoice
Read on arrival
Every contract
Checked clause by clause
Every claim
Drafted for your review
Read-only access · Live in 2 hours · EU/EEA hosted · Pay only on recovery
app.stemma.io / dashboard
Nordvik Logistikk AS
Saved year-to-date
kr 5 160 000
+kr 304 000 caught last week
Invoices YTD
38 472
Open alerts
11
Latest alertsView all
Diesel priced kr 0,70 above contracted unit rate
Fjordbrensel AS
kr 59 000
Duplicate invoice, already received last week
Nordisk Dekk og Deler AS
kr 294 600
Recovered: off-contract emergency fuel
Fjordbrensel AS
+kr 227 500
Innovate UK, Techstars and Plug and Play VenturesFree six-week pilot, pay only on recoveryEU/EEA hosted
Problem

Great AP teams lose hours to invoice admin, and the overcharges still slip through.

~10 MNOKburned yearly

On every 1 bn NOK of supplier spend, around 10 MNOK leaks straight through.

>10,000hours yearly

On every 1 bn NOK of supplier spend, roughly 5 full-time roles vanish into admin.

The overcharges that slip through unnoticed.

Wrong price tiers

Unit rates billed above your contracted tier.

Missed rebates and volume discounts

Tiers that should have applied but did not.

FX and currency terms

Charges converted on the wrong basis.

Indexation and index-cap breaches

Price rises beyond the agreed index (SSB/KPI) or cap.

Surcharges outside the contract

Freight, energy, and add-on fees you never agreed.

Duplicate charges

The same line billed twice, even across separate invoices.

Solution

Stemma checks every invoice line against every contract you’ve signed.

Stage 1
Connect

Link your ERP and contracts. Read-only, no engineering work, no rip-and-replace.

Read-only setup
Stage 2
Read

Every contract clause and every invoice line, parsed and checked as invoices arrive.

Every line
Stage 3
Flag

Breaches surface with the clause and the invoice line side by side, for your team to review.

Evidence attached
Stage 4
Claim

Stemma drafts the recovery claim. You confirm it and send it to the supplier.

Human in the loop

Stemma reads. Your team decides. You stay in control of every claim.

Integrations

Connects to your systems in 2 hours, with no engineering on your side.

Dynamics 365 BC
Microsoft, ERP
Visma Business NXT
Visma.net ERP
Unit4 ERP
ex Agresso
Xledger
Cloud ERP
Tripletex
Cloud accounting
24SevenOffice
Cloud ERP
SAP
S/4HANA · Business One
IFS
Asset-heavy ERP
Infor M3
Food & process ERP
Oracle NetSuite
ERP

And more we connect to, not shown here. Stemma reads from your data and never writes back, so a new system connects in hours, not weeks.

Commercials

Pilot first. Price second.

After the pilot, we add up what it saves you and price from that, at a 6 to 8x return to you.

Data security

Your data stays in the EU/EEA, read-only, and never trains a model.

Security built to the standard finance and procurement leaders expect.

Hosted in EU/EEA

Data stored and processed exclusively in EU/EEA regions (Azure Norway East). GDPR-aligned. No data leaves the region.

Tier-1 cloud (Microsoft Azure)

Hosted on Microsoft Azure, the same Tier-1 infrastructure trusted by global banks and regulators.

Encrypted in transit and at rest

TLS 1.2+ in transit. AES-256 at rest, with keys managed via Azure Key Vault. Decrypted in memory only for audit processing, never written to disk unencrypted. All access logged.

Read-only access

Stemma reads from your ERP. We never write back, modify, delete, or create records.

Never used for training

Your contracts and invoices are never used to train AI models, ours or anyone else’s. Zero-retention tier with all LLM providers.

Compliance and documentation

GDPR-aligned today. DPA (databehandleravtale) on request.

For subsidiaries of larger groups, we can deploy into an existing AWS or GCP agreement where required.

Funding

Backed by leading investors.

Innovate UK
UK government innovation grant
2% acceptance rate
Techstars
Accelerator
0.2% acceptance rate
Plug and Play Ventures
Early-stage investor
Among the world’s most active
The team

Founders with finance and AI research backgrounds.

Advised on procurement and security.

Johannes Haug

Johannes Haug

CEO, Co-founder
LinkedIn

Johannes spent his early career in investment banking at Arma Partners and private equity at Triton Partners. He holds a bachelor’s from BI Norwegian Business School, the top-ranked business school in Norway per the Financial Times, where he finished best in his class of 263. He is also a former Chess Olympian for Norway, a member of Team Magnus Carlsen, and a Nordic Champion.

Devvrat Joshi

Devvrat Joshi

CTO, Co-founder
LinkedIn

Devvrat was a founding software engineer at a £100m+ startup, and worked alongside the Google DeepMind team. He holds a Master’s in Intelligence and Machine Learning from Imperial College London, the #2 technical university in the world per QS, where he wrote the best master’s thesis, and a Bachelor’s from the Indian Institute of Technology Gandhinagar. He has published 9 AI papers at top-tier (A*) conferences.

Find out what you’re overpaying.

Book a short call with the founders. We walk through how Stemma reads a contract, show sample findings on an anonymised contract, and give you a directional estimate for your spend.