R 
Ramp
payments Finance · free tier
Corporate cards and spend management.
gavel
Verdict: SURVIVED
The AI came for it and missed. The moat — workflow, data, taste, or trust — held.
Threatened by
OpenAI
Since
May 13, 2024
Price
free
Category
Finance
bolt What replaced it
OpenAI — ChatGPT over expenses
history_edu The backstory
The financial platform and controls are the moat.