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.

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