Moment, an AI-driven OS for investment management, and Ramp, a top financial operations platform, have partnered to change the way companies run their corporate treasury functions. Their joint effort is adding institutionally managed fixed-income investment options to the suite of financial services companies normally use for spending payments accounting, and operational finance.
This collaboration is a big move in treasury management as it removes the old distinction between operational finance and investment management. Companies will be able to get access to complex portfolios of fixed income instruments without having to go through separate bank relationships, time-consuming onboarding, or heavy treasury operations.
Transforming Corporate Treasury Through Automation
Corporate treasury management has historically presented organizations with two limited options. On one end, embedded fintech solutions provide basic cash management products, such as money market funds, which often fall short as companies grow. On the other, traditional institutional banking services offer advanced investment and portfolio management capabilities but typically require extensive onboarding, higher fees, and dedicated treasury resources.
Advancements in financial technology infrastructure are changing this landscape. Innovations in fixed-income execution, portfolio construction, liquidity management, and reporting have enabled these processes to become highly automated and accessible through APIs. This evolution has paved the way for what the companies describe as Smart Treasury—a model that combines institutional-grade investment management with embedded automation and accessibility for businesses of all sizes.
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Combining Investment Expertise and Financial Operations
The collaboration brings together the strengths of both organizations.
Moment has created a fixed-income infrastructure platform which is capable of programmatic delivery and automation. The company’s technology is the basis of trading, portfolio management and operational working for firms that manage collectively above $10 trillion in assets. The company, whose founders had participated in the establishment of the systematic credit desk at Citadel Securities, Moment is dedicated to bringing institutional fixed-income investing to a larger audience and making it more scalable.
But Ramp is a financial operations platform that is the back end of purchasing for more than 70,000 companies and over $200 billion in annual purchasing activity. It uses a powerful AI-driven system to collect and analyze data from different sources like spending, payments, and other financial workflows to help finance teams enhance the decision-making process and day-to-day operations.
The companies’ collaboration should result in a treasury ecosystem in which cash management, investing, and financial operations are so well integrated that they are indistinguishable from each other. The high-level plan is that funds will automatically be transferred between operating and investment accounts based on business activity. Besides, cash allocation will be made in a smart way, and manual work would be very low.
“Finance teams have been managing their operating cash and their excess cash in two completely separate worlds,” said Karl Yang, Product Manager at Ramp. “This partnership is about closing that gap so the same intelligence that helps a company control its spend can also put its cash to work on the same platform.”
“Institutional treasury infrastructure has never been accessible at this scale or embedded at this level of automation,” said Ammer Soliman, COO and Co-Founder of Moment. “Moment was built to make that infrastructure programmable. Partnering with Ramp means it is now available to over 70,000 finance teams through a platform they already rely on every day – and it runs in the background without adding a single workflow.”
Delivering Treasury Management at Scale
The partnership is already operational through Ramp’s Investment Account offering, which has attracted more than $1 billion in new deposits over the past three months. Through the platform, customers gain access to professionally managed investment portfolios featuring automated optimization, reinvestment strategies, and portfolio rebalancing.
By embedding treasury management directly into existing financial workflows, the solution significantly reduces the complexity traditionally associated with institutional investing. Processes that once required weeks of setup, manual trade execution, extensive documentation, and settlement delays can now be completed in minutes while operating largely in the background.
As businesses seek more efficient ways to maximize liquidity and manage cash reserves, the collaboration between Moment and Ramp highlights the growing convergence of AI, automation, and institutional-grade financial services within everyday finance operations.
