2025
The Year of Ramp Intelligence
Ramp AI took over your busywork — forecasting cash, enforcing expense policies, and delivering zero-touch AP. Here are the features that made your finance stack autonomous.
Watch Year in Review
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Ramp Treasury
Cash that manages itself.
Open a high-yield business account1
Earn 2%2 on your operating cash with a Ramp Business Account. Get free wires, same-day ACH for bill payments3, no minimums, and no fees.
Open a high-yield investment account4
Invest idle cash into a secure government money market fund. Earn -.--%5 yield while keeping your cash liquid.
Open your investment account
Automated cash manager
Get cash forecasts based on spend behavior, automate fund movements, and maximize earnings - all without compromising liquidity.
Get started with Ramp Treasury2 of 4
Agents for Controllers
Automate expense reviews and approvals.
Let AI enforce your policy
Policy Agents review every expense, auto-approve low-risk spend, and flag only the few that need human judgment.
Automate expense follow-ups
Ramp's Policy Agents automatically follow up with employees for missing context, so you don't have to. That means cleaner reviews, fewer delays, and more confident approvals.
Learn more about Ramp Intelligence
Manage expenses via SMS or Slack
Interact with Ramp entirely through Slack or SMS, no log-in required. Create, submit, and approve expenses, or ask questions, simply by messaging Ramp.
Get started with Slack and SMS Agents
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AP Agents
Get a month of AP done in minutes.
Bill approval recommendations
AP Agents surface the full context of every bill to approvers with a recommendation to approve or reject, so teams make faster, more informed decisions.
Learn how to use AP Agents
Catch fraud and overbilling instantly
AP Agents flag suspicious invoices and vendors before a bill is even created, adding an extra layer of fraud protection without adding work.
Learn how AP Agents detect fraudZero-touch coding
AP Agents code every line item instantly by analyzing the invoice, vendor details and past behavior. Paired with industry-leading OCR, invoice processing in Ramp is now zero-touch.
See how zero-click AP worksFile 1099s directly in Ramp
Automate your entire 1099 process with Bill Pay. Collect W-9s, generate forms, file, and deliver copies automatically, with no January scramble.
Learn more about 1099 filing
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Ramp Global
Automation that scales across borders.
Global card and reimbursement expansion
Spend locally in CAD, GBP, EUR, and now in AUD, SGD, and JPY. No FX fees, just clean, local transactions.
Learn about Ramp GlobalAuto tax capture
Ramp's AI reads receipts, tags VAT and GST, and syncs tax data to your ERP. No spreadsheets, no mapping, no manual work.
Learn how tax capture works
Local Bill Pay
Pay vendors in Canada with local CAD debits. No FX fees, no delays. Support for GBP and EUR is coming soon.
Learn how to get started
Custom roles & multi entity restrictions
Mix and match granular permissions, create new roles from scratch, and tailor access for every team, entity, and workflow. Gain precise controls and org-wide visibility in one place.
Learn how to create custom roles300+ powerful new innovations in 2025
We built every feature with our customers in mind—to help you work faster, operate smarter, and do more with less. Thank you for an incredible year.
See 2025 release notesSend overnight checksFlight modificationsSend invoices via vendor portalW-8 collectionDebit approvals in TreasuryRecurring memosTwo-way vendor syncPrice dropAudit logRamp Business AccountAI reportingLine-item splitsAutomated cash managerRamp Investment AccountCustom rolesAutomated bill batchingAI-assisted codingManage expenses via Slack & SMSAutomated fraud checksZero-touch codingGlobal card issuing & reimbursementsPolicy enforcing AI agentsLocal Bill PayAutomated expense follow-upsAutomated card paymentsAuto tax captureMulti entity user restrictionsShared fundsAdd vendor co-ownersGuest travel bookingsPay ERP billsVerify vendor payment details
