Ramp
Also a provider — view Ramp’s profile →“Can an AI-first spend platform displace the entire finance back-office stack — and then become the financial OS that other vertical platforms embed?”
Founded 2019 as a corporate-card challenger to Brex, pitched as the first card that helps companies spend less. Built on Stripe Issuing from day one rather than going BaaS-direct. Expanded methodically from cards into bill pay, procurement, travel, and AP — becoming a horizontal spend-management OS. In 2025 pushed deeper into banking-adjacent territory with Ramp Treasury (yield) and Ramp Operating Account (JPMorgan-backed business banking), plus an embedded payments API turning Ramp itself into infrastructure for marketplaces and travel platforms. The AI-agent layer ('Ramp Intelligence') is the current product narrative.