The question every accountant should ask: What's in your stack?

Accountants are living through a fundamental shift. Demand from clients is growing, while the pipeline of new CPAs is shrinking. Ramp partners with more than 4,500 accounting firms, including 92 of the top 100 CPA firms, and every one of them is trying to do more with the team they already have.

AI is the answer, but what's available today doesn't work. You end up stitching together ChatGPT, a Notion page of prompts, and a downloads folder of CSVs moved between tools. It's not auditable, it's not connected to your systems, and in the end it doesn't make the firm meaningfully more efficient.

What's missing isn't more AI. It's the platform underneath it. The place where a firm builds its processes, its rules, and its systems, and where real work actually gets done.

Introducing Stack by Ramp

Today, we're launching Ramp Stack, an AI-native platform for accountants. With Stack, you can deploy agents to do reconciliations, update schedules, post journal entries, and create flux analyses, all in a transparent and fully auditable way.

You own the setup, so agents follow your processes and your client-specific rules. They know what to do and where to find the data. You decide where they run autonomously and where they pause for your review: a recurring monthly entry that posts to QuickBooks on its own, a reconciliation that surfaces a discrepancy and stops for your call.

Stack is built with the leading AI models, but a raw model isn't enough to do accounting work with the accuracy and auditability the profession requires. Stack brings what general-purpose AI can't: connectivity to every system your clients use, a full audit trail on every action, and an underlying model that handles a wider and deeper range of accounting tasks. In an independent benchmark of 200+ tasks built and graded by working accountants, Stack outperformed every general-purpose model evaluated.

Read more about Ramp Stack’s benchmarking here.

How it works

Set up your clients in minutes

Add every client in a few clicks, whether they're a Ramp customer or not. Pre-built integrations connect their accounting system, file repositories, external bank accounts, and cards, so agents have access to every system from day one.

Teach agents how your firm works

Agents come with accounting fundamentals built in: capitalization rules, revenue timing, depreciation schedules. Your job isn't to teach them accounting. It's to teach them how your firm works.

Describe a client's processes in plain English, the same way you would to a new team member:

• “Reconcile the Stripe clearing account against the GL and flag any deposits that don't match”
• “This client allocates revenue by location, not department — split it across these six cost centers”
• “If payroll variance exceeds 2%, stop and pull me in before posting the journal entry”

Agents confirm what they heard, ask questions when something is unclear, and show their rationale for every decision. For processes you'll run again across clients, save them as a skill — a repeatable playbook agents follow.

"For me the big thing is consistency. Being able to hold our standard across clients, month after month. When an agent handles the repeatable steps the same way every time, there's just less room for human error."
— Calli Hayes, Account Lead, Decimal

Automate workflows

Build or import close checklists for every client, then assign each task to someone on your team or an agent on Stack. Collaborate with others at your firm by tagging approvers or reviewers on any task, so you're always moving fast and with confidence. Agents read the task, apply the right skills, find the data, and get to work. As they go, workpapers build in real time so you can check structure, formulas, and logic directly in the platform at every step. When a journal entry is needed, agents build it and sync it directly to your accounting system.

"It is eliminating or reducing the amount of time we spend on a month-end close by 50% on some clients."
— Tyler Otto, President & Owner, Specialized Accounting

Stay in the loop across your entire book

Your Advisor Console, Ramp's command center for every client in your book, shows everything running on Stack at a glance: what's done, what's running, and what's waiting on your sign-off. Manage your firm's skills from one place, apply them across your entire book, and fork them by client when their setup calls for something different. Skills get sharper, your automation grows, and your firm's capacity compounds.

Set the pace for what's next

The firms running on Ramp Stack are closing books 50% faster, taking on clients they couldn't have served a year ago, and finally getting their teams real leverage. Not by working longer hours, but by building real infrastructure that scales the work.

This is what accounting firms look like with Ramp Stack underneath them.

Try Stack for Free.

Want to see exactly how it works? Register for our upcoming webinar.