en.Wedoany.com Reported - Moment, an AI-powered investment management operating system, and Ramp, a financial operations platform, recently announced a strategic partnership to embed institutional-grade fixed-income portfolios directly into corporate financial operations platforms. Finance teams can now access professionally managed fixed-income investment products directly within the platform they use for expense management, bill payments, and accounting, marking a fundamental shift in corporate treasury management.

For years, corporate treasury management has faced a fragmented dilemma. Embedded fintech products offer only basic cash storage (typically money market funds), suitable for startups but insufficient for growing enterprises; traditional institutional banks provide genuine fixed-income access and portfolio management but come with high costs, weeks-long onboarding times, hefty fees, and operationally intensive workflows requiring dedicated finance teams. Both options leave corporate cash idle or consume significant resources to manage.

Over the past two years, fixed-income execution, portfolio construction, liquidity segmentation, and reporting have been fully automated and delivered via APIs. Smart Treasury combines institutional-grade capital allocation with embedded, automated delivery, achievable at any balance level and company size, directly within the platforms finance teams already use.

Moment built from scratch a fixed-income infrastructure designed for programmatic delivery, supporting trading, portfolio management, and operational services for institutions managing over $10 trillion in assets. Founded by the team that helped build Citadel Securities' systematic credit desk, Moment aims to make institutional-grade fixed income accessible at scale.

Ramp's financial operations platform is used by over 70,000 companies to manage more than $200 billion in annual procurement. Its AI continuously collects contextual information from company spending, payments, and financial workflows, enabling finance teams to take intelligent actions across the full scope of financial operations. Founded in 2019, Ramp has helped over 70,000 organizations save more than $12 billion and 27 million hours, with median clients saving 5% on first-year costs and growing revenue by 16%.

This partnership combines Ramp's suite of financial tools with Moment's expertise in automating fixed-income workflows for the world's largest investment firms, building a future where the cash lifecycle runs itself: funds move programmatically between operating and investment accounts, automatically rebalancing as card spending and bill payments occur, without human intervention.

"Finance teams have been managing their operating cash and excess cash in two completely separate worlds," said Karl Yang, Product Manager at Ramp. "This partnership aims to bridge that gap, allowing the same intelligent system that helps companies control spending to also put cash to work on the same platform."

"Institutional-grade treasury management infrastructure has never been embedded at this scale or level of automation," said Ammer Soliman, COO and Co-Founder of Moment. "Moment was built to make this infrastructure programmable. Partnering with Ramp means over 70,000 finance teams can now access this capability through the platform they rely on daily—and it runs in the background without adding any workflow."

The partnership is now live through Ramp's Investment Account, which has added over $1 billion in deposits in the past three months. The account gives Ramp customers native access to professionally managed portfolios with automatic optimization, reinvestment, and rebalancing. What previously required weeks of onboarding, manual trade requests, phone transfers, days of settlement waiting, and back-and-forth paper processes now takes minutes and runs automatically.

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