Leading financial operations platform Ramp has unveiled Ramp Treasury, a groundbreaking solution that redefines how businesses manage and grow their operating cash. By integrating cash storage and investment opportunities into one seamless platform, Ramp Treasury simplifies financial operations and maximizes earnings.
Businesses can now store funds in:
- Ramp Business Account: Earn 2.5% annual interest—35x the national average.
- Ramp Investment Account: Access higher potential yields with current rates at 4.38%.
With Ramp Treasury, businesses no longer need to compromise between growth and liquidity.
Key Benefits of Ramp Treasury
- Maximize Operating Cash: Earn more on idle funds while maintaining instant liquidity for bill payments.
- Extend Working Capital: Pay bills on their due date to gain ~3 extra days of working capital.
- Automate Financial Operations: Leverage AI for balance alerts, liquidity forecasting, and optimized cash allocation.
Quick Fact: Businesses with $1M in operating cash could earn $25,000 annually in a Ramp Business Account compared to just $700 at a traditional bank.
Simplifying Treasury Management
For many businesses, managing cash means juggling multiple accounts for yield and access. Over 80% of operating cash in the U.S. sits in accounts earning little or no interest. Ramp Treasury eliminates this inefficiency by enabling businesses to keep their funds in one platform, earning high yields without compromising liquidity.
Alejandro Calderon, CFO of Roof Squad, said:
“We used to move money across five or six accounts to maximize yield and liquidity. Ramp Treasury changed everything. Now, I have one place where my cash grows while ensuring bills and cards get paid seamlessly.”
The Age of Self-Driving Finance
Ramp is driving the financial landscape toward automation. With real-time insights into spending and AI-driven tools, Ramp Treasury calculates upcoming obligations and ensures businesses make timely payments while their remaining funds keep growing.
“We’re entering the era of self-driving finance—expenses that handle themselves, books that close automatically, and money that moves intelligently,” said Eric Glyman, CEO of Ramp.
Why Businesses Are Embracing Ramp Treasury
- No Fees or Minimums: The Investment Account requires no deposit minimums, withdrawal restrictions, or management fees.
- Seamless Integration: Ramp Treasury operates within the same platform businesses already use for payments.
- Future-Ready Tools: Built to empower businesses to do more with every dollar and every hour.
Kevin Permenter, Senior Research Director at IDC, noted:
“Businesses are increasingly seeking integrated financial tools that streamline cash management. Ramp Treasury’s all-in-one approach is poised to gain rapid traction.”
Ramp Treasury marks a significant step toward achieving fully automated financial operations, enabling businesses to focus on growth while their money works harder in the background.
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