Similar to OpenRouter it uses one API to serve every major model, and each request sent to the cheapest model that clears your quality bar. Ramp says early users cut inference costs 40% on average (although is that just vs using frontier?).
It’s also FREE through 2026, and switching is a base URL change.
Game on.
Two of the best-run companies in fintech just decided model routing was critical for a financial services business. AI infrastructure is financial services. Financial services is AI infrastructure. Finkle and Einhorn.
Ramp’s data gives you a clue as to why they’ve done this.
Corporate AI spend is up 20.7x since June 2025. Tokens went from rounding error to the fastest-growing line item on the P&L in 14 months.
And the router is where that cost line item gets decided. Every request that passes through one is a purchasing decision. Which model gets paid, at what price, for which job. Whoever owns routing owns model procurement.
Stripe monetizes money in motion. It shipped Token Billing last year, was already processing OpenRouter’s payments, and now owns the gateway 8 million users go through to reach 400+ models.
Ramp monetizes money saved. The whole company is a machine for cutting spend, now pointed at the fastest-growing category it has ever measured.
Ramp has spent seven years doing exactly one thing, saving companies money. That’s the wedge I’d they’re betting on.
Fintech is AI infrastructure
AI infra is Fintech
The future of intelligence is finance and intelligence. Finteligence.
