Ramp agents: Let finance teams do finance

Join the waitlist for Ramp agents

Today we’re announcing our first set of AI agents, built and trained to think like your sharpest controller and work like a thousand of them—around the clock. Picture the most routine transaction in your company: Jess from sales grabs a $5 latte on the way to a client meeting.

1. She saves the receipt and uploads a picture when she gets home: 4 minutes.
2. Her manager gets a report at the end of the month, asks a follow-up question: 3 more minutes.
3. A finance associate opens NetSuite, audits policy, codes the expense, syncs the entry: another 7 minutes.

Multiple interruptions, 14 minutes of blended labor, and over $20 in overhead for a single coffee. And that’s when the expense is in policy. Now scale that across 2,000 swipes a month and your finance team is trapped in an endless loop of micro-decisions—and they can't count on managers who don’t have the time (or the will) to enforce policy.

Ramp’s agents flip that equation. These are the first autonomous finance agents purpose-built for real-world policy enforcement, fraud detection, and policy improvement. Give the agent your PDF policy and it immediately starts approving low-risk expenses, flagging true outliers, answering employee questions over SMS, and suggesting policy improvements.

Starting today, Ramp agents are available for Ramp Plus users. Get on the list for first access. Ramp agents act like autonomous, tireless reviewers, catching 15x more out-of-policy spend than non-AI alternatives and enforcing policy with 99% accuracy. Agents escalate only the 10–15% of expenses that need further human judgment. The result: higher precision, immediate savings, and dramatically better ROI than human review.

Meet Ramp’s first set of agents, built for controllers

Ramp’s agents have perfect recall of your policies and complete visibility into your transaction data, so they can make faster, more accurate decisions than any human. In building this, we focused on three things:

1. Written policy + real-world decisions. Ramp agents ingest both the written rules and the messy exceptions hidden in historical approvals.
2. Closed-loop feedback. Every decision is logged, evaluated, and used to improve the model. This is software that learns the way your team thinks.
3. Full auditability. Every action comes with a rationale. If the agent made the call, you know why and you can trace it back—every time.

The result: a system that feels less like another cosmetic change and more like a trusted teammate that never sleeps.

Humans should make fewer but more critical judgement calls

Humans can make careful judgment calls on one transaction, or maybe 10. But at scale, that model starts showing cracks.

This isn't about replacing humans. It's about redeploying them. You don't want your best finance minds copy-pasting policy clauses or re-reading receipts. Ramp agents handle the tedious, high-volume work that humans hate and machines excel at.

Early customers put agents through thousands of live transactions.

Working with Ramp agents

Ramp agents immediately start working for you. No separate systems. No new logins. Just intelligence layered directly into the workflows and integrations you already use with Ramp. Here’s how it works:

• Day-zero setup. Upload a policy PDF or, if you don’t have one, we will craft one for you. The agent builds a reasoning graph in minutes. You watch decisions stream in, override edge cases, and see the model learn live.
• Flexible autonomy. Businesses can evolve from guided recommendations to intelligent, autonomous decisions, calibrated to their organizational needs and spend patterns.
• Built for your stack. Agents respond to employee questions about the expense policy over Slack, email, or SMS. No new app for employees.

Onboarding a 500-person company typically finishes before your next coffee break.

What’s next

Ramp's first set of agents, built for controllers, are the first step toward a fully autonomous finance operations stack: from purchase order requests to reconciliation during month-end close to budgeting agents. These agents are powered by systems that think, explain, and improve. Over the coming months we’ll release:

• Procurement, intake, and vendor-onboarding agents that purchase on your behalf.
• Reconciliation agents that auto-match transactions to books, flag mismatches, and reduce close time.
• Budgeting and reporting agents that track against plans in real time and surface anomalies before they hit review.

Deploy Ramp’s agents today and start taking advantage of the most powerful technology of the last few decades. We’d love to hear about your experience and continue to build the future of finance with you.

Join the waitlist →