Ramp

Ramp

Corporate card and expense management platform

Overview

Ramp provides a corporate card and spend management platform for businesses. It helps finance teams track expenses, manage multiple corporate cards, and pay bills all in one place, with integrations like Slack for easier workflows. The product works by linking card transactions and expense reports to the platform, letting users classify spending, approve items, and optimize cash flow, while earning interchange fees and offering subscription tiers for advanced features. Ramp differentiates itself from competitors like Amex and Brex with a focus on driving cost savings for customers and using modern tools such as stablecoins to streamline payments. The company's goal is to help businesses reduce overall expenses and simplify finance operations through a comprehensive, integrated suite of financial tools.

YC Company

About Ramp

Simplify's Rating
Why Ramp is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Enterprise Software

Fintech

Financial Services

Company Size

1,001-5,000

Company Stage

Series F

Total Funding

$3.6B

Headquarters

New York City, New York

Founded

2019

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Simplify's Take

What believers are saying

  • June 2026's $750 million round at $44 billion validates investor demand.
  • July 2026 stablecoin accounts on Solana expand cross-border payments and treasury usage.
  • Canada launch and Toronto office in 2026 open a new market.

What critics are saying

  • Brex targets global cards, while BILL and Expensify pressure Ramp on price.
  • Ramp Plus paywalls advanced features, inviting customer backlash and churn in 2026.
  • Stripe can commoditize stablecoin plumbing, reducing Ramp to a thin workflow layer.

What makes Ramp unique

  • Ramp unifies cards, AP, reimbursements, accounting, and treasury inside one workflow.
  • June 2026 funding followed 70+ launches, proving relentless product velocity.
  • Ramp embeds AI agents into finance ops, unlike point spend tools from Brex or BILL.

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Funding

Total Funding

$3.6B

Above

Industry Average

Funded Over

16 Rounds

Series F funding comparison data is currently unavailable. We're working to provide this information soon!
Series F Funding Comparison
Coming Soon

Benefits

Competitive salaries: You never have to wonder how your pay compares. Our generous comp reflects our belief that you’ll take Ramp to the next level.

Comprehensive health plans: US-based employees get full medical, dental, and vision insurance coverage. Everyone gets a monthly stipend for personal wellness.

Professional development: Take advantage of our annual education stipends to stay on top of your personal growth.

Unlimited PTO: Flexible vacation days give you the time to step away, unwind, and recharge.

Growth & Insights and Company News

Headcount

6 month growth

-23%

1 year growth

3%

2 year growth

-6%
PR Newswire
Jul 28th, 2026
Ramp opens Toronto office, launches Canadian finance platform with local cards and tax automation

Ramp has launched its finance platform in Canada and opened a Toronto office. The expansion brings local cards in CAD and USD, bill payments, automated tax coding for GST, HST, PST, and QST, and accounting workflows to Canadian businesses. The company is building a local team to support customers across the country. As of June 2026, 51% of Canadian businesses in the Ramp AI Index were paying for AI tools, up 5.4 percentage points since January. Ramp serves more than 70,000 organisations globally. The median customer achieves 5% savings on expenses and 16% revenue growth in their first year. The platform processes over $200 billion in purchases annually. The Canadian offering is now available to businesses across most provinces.

Yahoo Finance
Jul 21st, 2026
Ramp launches stablecoin accounts for all businesses, settling on Solana

Ramp has opened stablecoin accounts to all customers, allowing businesses to hold, send, and receive both traditional dollars and stablecoins like USDC and USDT on a single platform. The service integrates stablecoin payments into existing workflows for cards, bills, and accounting, eliminating the need for separate wallets and manual reconciliation. Businesses can hold stablecoin balances, earn rewards, and pay vendors or employees directly from stablecoin or checking accounts. Transactions sync automatically with accounting systems. Stablecoin deposits are supported across seven blockchain networks, including Solana, chosen for its speed and low transaction costs. More than 150 businesses adopted the service during beta testing. Ramp built the feature with Stripe, whose infrastructure powers the underlying stablecoin issuance and wallets.

PR Newswire
Jul 21st, 2026
Ramp launches stablecoin accounts for businesses to hold, earn yield, and pay vendors in USDC or USD

Ramp has launched stablecoin accounts and payments for all customers, allowing businesses to hold stablecoins, earn yield, and pay vendors in USDC or USD from one platform. The service integrates stablecoin transactions with existing approval workflows, controls, and accounting systems. During its public beta, more than 150 Ramp customers across various industries adopted the feature. The platform enables instant, global payments that settle in minutes rather than business days, eliminating banking holidays and weekend delays. Ramp built the service in partnership with Stripe, using Bridge and Privy infrastructure for stablecoin operations. The company serves more than 70,000 organisations and processes over $200 billion in annual purchases. Businesses can pay vendors in stablecoins directly from multiple account types and automatically sync transactions to their accounting systems.

CNBC
Jul 16th, 2026
Ramp launches AI token spend management tool to boost cost transparency

Ramp has expanded its AI token spend management tool, according to CEO Eric Glyman. The company's co-founder discussed AI token costs and transparency during a recent appearance on financial news programme Squawk Box. The tool helps businesses monitor and control spending on AI tokens, which are used to measure and bill for artificial intelligence service usage. Glyman outlined the company's approach to managing these costs as AI adoption continues to grow across enterprises. Ramp, which provides corporate cards and expense management software, is extending its platform to address the emerging need for AI-related spend tracking. The development reflects increasing demand from companies seeking better visibility into their AI infrastructure costs.

PR Newswire
Jul 14th, 2026
Ramp launches construction platform to catch project overruns in real time

Ramp has launched Ramp for Construction, a suite of tools designed to help construction firms control spending at the job level and prevent cost overruns. The platform addresses industry fragmentation by connecting field operations and back-office finance at the point of spending. The solution uses AI to pre-fill job codes and cost details for field workers, reducing administrative burden. It enables project-based approvals, provides real-time budget tracking across card and invoice activity, and automates retainage tracking and compliance document reviews. Construction firms using the platform have achieved notable efficiency gains: over 70% of receipts are matched within 24 hours, and teams save more than 15 hours monthly through automation. Field teams submit 2.7 times more transactions with accurate cost coding at submission. The platform integrates with major construction management systems including Viewpoint, Sage, CMiC, and NetSuite. Ramp serves over 70,000 organisations and processes over $200 billion in annual purchases.

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