Ramp vs Relay

traditional vs traditional · from the open dataset of 358 tracked neobanks · no affiliate links, ever

Ramp: Spend management + business accounts.

Relay: Multi-account SMB banking (Profit First).

Side by side

	Ramp	Relay
Category	traditional	traditional
Audience	SMB & startups	SMB & startups
HQ	New York, US	Toronto/US
Founded	2019	2018
Custody	Custodial	Custodial
Regulation	Partner-bank model	Unclassified
Licence detail	Partner banks	—
Card	Visa · Corporate card	Visa · Business debit
Cashback	1.5%	—
Yield	Treasury yield	Yield on savings
Stablecoins	No	No
KYC	Yes	Yes
Regions	North America	North America
Reported users	—	—

go deeperFull profiles: Ramp · Relay — or run your own comparison of up to four in the directory.

Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.