Ramp is worth $60bn and 70% of its R&D team is working on products it hasn't released yet. I sat down with @eglyman in New York to discus Why he thinks of @tryramp as a productivity company more than fintech The 7,000 pull requests their non-engineers wrote last quarter The trust charter, stablecoins, and whether an AI agent would choose your business. Full conversation 👇 00:00 Introduction 03:16 Is fintech dead? And why Ramp considers itself a productivity company 04:41 Why AI token costs are turning software into financial products 07:27 How Ramp's Inspect lets non engineers ship code using AI 11:51 Why AI is becoming the third major category of business spend 18:43 What justifies Ramp's valuation and its accelerating revenue growth 27:07 How AI is transforming employee productivity and customer support workflows 39:54 Why Ramp applied for an OCC national trust bank charter 43:15 How stablecoins enable faster cross border payments and protection against currency volatility 47:23 Will autonomous AI agents replace Ramp or choose its financial infrastructure? 51:01 The future of agentic companies and Ramp's mission to eliminate waste