Ramp's embedded-finance stack
“Can an AI-first spend platform displace the entire finance back-office stack — and then become the financial OS that other vertical platforms embed?”
10 layers disclosed
- Payments / PSP
- Stripe Connect, Ramp Bill Pay (self-operated)
- Banking / BaaS
- In the Index's full report
- Card issuing
- In the Index's full report
- Ledger
- In the Index's full report
- Lending
- In the Index's full report
- Open banking
- In the Index's full report
- KYC
- In the Index's full report
- Sponsor bank
- JPMorgan Chase, First Internet Bank of Indiana, Celtic Bank, Sutton Bank, Lead Bank, Column N.A.
- Accounting
- In the Index's full report
- Spend / AP
- In the Index's full report
15 more providers across 8 layers are in the Index's full report.
Full profile on the Embedded Finance Index ↗From the Embedded Finance Index, which maps the providers behind each company's embedded-finance products from public disclosures.