ORIGINS OF INNOVATION
Navan (formerly TripActions) emerged in 2015 from a vision to dismantle the archaic systems governing corporate travel and expense management. Founders Ariel Cohen and Ilan Twig—veterans of the travel tech space—recognized a critical gap: enterprise tools prioritized control over user experience, leading to low adoption and financial leakage.
From a garage in Palo Alto, they engineered a platform that fused consumer-grade simplicity with military-grade policy enforcement. The result? A system where employees wanted to book compliant travel, and finance teams gained real-time visibility without manual audits.
By 2017, Navan’s AI-driven recommendations, dynamic policy engine, and seamless reimbursement workflow attracted clients like Twilio and Box. The platform processed millions in bookings within its first year—validating a radical thesis: compliance through delight.
THE REBRAND: NAVAN ERA
In 2023, TripActions evolved into Navan—a name symbolizing navigation through financial complexity. This wasn’t just cosmetic; it marked the launch of Navan Payments, AI Copilot, and a unified spend OS. Today, Navan processes over $10B in annual spend for 10,000+ companies, from startups to Fortune 500s.
EVOLUTION TIMELINE
Navan’s growth mirrors the rise of intelligent finance infrastructure. Each phase expanded capabilities while deepening AI integration.
PHASE I: CORE PLATFORM (2015–2017)
Built the world’s first real-time policy engine. Travelers saw only compliant options—no training required. Integrated with Concur, NetSuite, and Workday out of the gate.
PHASE II: GLOBAL SCALE (2018–2020)
Launched offices in London, Sydney, and Tel Aviv. Added multi-currency support, duty-of-care alerts, and carbon tracking. Raised $250M+ from Andreessen Horowitz and Zeev Ventures.
PHASE III: SPEND UNIFICATION (2021–2023)
Acquired Reed & Mackay (luxury travel) and launched Navan Payments—virtual cards with embedded controls. Expense reporting became 100% automated via receipt OCR and AI categorization.
PHASE IV: AI-FIRST (2024–PRESENT)
Deployed generative AI across the platform: predictive budgeting, automated audit trails, and natural-language booking. Navan Copilot reduces admin work by 70%.
INTELLIGENT SPEND SUITE
Navan unifies travel, expense, payments, and analytics into a single neural network for corporate spend.
AI Travel Intelligence
Book compliant trips in seconds. Our AI negotiates rates, predicts delays, and reroutes during disruptions—all while enforcing policy invisibly.
Zero-Touch Expenses
Receipts auto-captured via email or mobile. AI categorizes, reconciles, and flags anomalies. Reimbursements in <24 hours.
Navan Payments OS
Programmable corporate cards with real-time controls. Set spend limits by merchant, category, or employee. Instant transaction streaming to ERP.
Carbon & Compliance Hub
Track emissions per trip, department, or policy. Generate ESG reports with one click. Achieve ISO 14064 certification effortlessly.
NAVAN INTELLIGENCE FEED
NAVAN COPILOT ENTERS GENERAL AVAILABILITY
Our generative AI assistant now handles 80% of routine travel and expense tasks—from booking to auditing—freeing finance teams for strategic work.
AUSTIN HQ EXPANSION COMPLETE
Navan’s new 50,000 sq ft Austin innovation center now houses 300+ engineers focused on AI, blockchain payments, and quantum-resistant security.
CARBON DASHBOARD CERTIFIED
Navan’s emissions tracking achieves ISO 14064 validation, enabling auditable ESG reporting for public companies.
PRIVACY PROTOCOL v3.1
Last Updated: October 21, 2025
1. DATA ACQUISITION
Navan collects: (a) Identity Data (name, email, role), (b) Transactional Data (bookings, expenses, payments), (c) Technical Data (IP, device, cookies). All data encrypted in transit (TLS 1.3) and at rest (AES-256).
2. PROCESSING PURPOSES
Data is used to: deliver Services, enforce policies, prevent fraud, improve AI models, and comply with legal obligations (e.g., IRS, GDPR).
3. SHARING & SUBPROCESSORS
We share data only with: travel suppliers (for booking fulfillment), payment processors (Stripe, Adyen), cloud providers (AWS, GCP), and auditors. A full list of subprocessors is available at navan.com/subprocessors.
4. USER RIGHTS
You may: access, correct, delete, or port your data; object to processing; withdraw consent. Submit requests to privacy@navan.com. Response within 30 days.
5. GLOBAL TRANSFERS
International data transfers use EU SCCs and UK Addendum. All non-EU data stored in US/EU regions per customer selection.
6. RETENTION
Data retained for 7 years post-termination (or as required by law). Anonymized analytics retained indefinitely.
Contact DPO: dpo@navan.com
TERMS OF SERVICE v5.0
Effective: October 21, 2025
1. LICENSE
Navan grants a limited, revocable, non-exclusive license to access the Platform for internal business use.
2. USER OBLIGATIONS
You warrant that: (a) all data provided is accurate, (b) you comply with laws (including sanctions), (c) you implement adequate security for user accounts.
3. FEES & PAYMENT
Fees billed monthly/annually in advance. Late payments incur 1.5% monthly interest. All fees non-refundable.
4. IP OWNERSHIP
Navan retains all rights to the Platform. Customer owns its data. Feedback becomes Navan’s property.
5. DISCLAIMERS
PLATFORM PROVIDED "AS IS." NO WARRANTIES OF MERCHANTABILITY, FITNESS, OR NON-INFRINGEMENT.
6. LIABILITY CAP
NAVAN’S TOTAL LIABILITY ≤ AMOUNT PAID BY CUSTOMER IN PRIOR 12 MONTHS. NO LIABILITY FOR INDIRECT DAMAGES.
7. GOVERNING LAW
Governed by Delaware law. Disputes resolved in Wilmington, DE courts. Class actions waived.
Legal Contact: legal@navan.com
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Navan Austin Nexus
98 San Jacinto Blvd, Austin, TX 78701
+1 (512) 555-0198
contact@navan.com