Apple Cash

Ramp is a finance operations platform that automates the full spend lifecycle, from corporate cards and expense management to accounts payable, procurement, travel, and business banking. Corporate cards come with built-in spend controls, merchant blocking, and policy enforcement at the point of purchase. On the expense side, automated policy reviews handle transaction matching, receipt collection, and accounting field coding without manual intervention. Ramp Bill Pay processes invoices with near-perfect OCR accuracy, with support for ACH, same-day ACH, check, wire, and card payments globally. Procurement compresses intake-to-approval cycles with AI-parsed contracts, parallel routing across finance, IT, legal, and security, and vendor benchmarking against anonymized spend data from thousands of businesses. Travel enforces policy at booking, supports dynamic per diems, and automatically rebooks hotels when prices drop. Ramp Treasury lets businesses earn yield on idle cash through.

Halocard is a web-based virtual payment card service for individuals and businesses. It provides US-issued Visa cards managed from a browser dashboard, with a shared USD balance and tools to create cards, set spending limits, and lock or cancel them. Disposable cards cancel after their first successful charge. Users can fund accounts through supported card payments, Apple Pay or Google Pay, bank transfer, stablecoins, and cryptocurrency. The service supports online purchases and mobile-wallet payments, and offers personal and business subscription plans with different card and user limits. Annual plans include disposable-card features. Halocard requires identity verification and serves customers in the United States and many other countries, subject to issuer, banking-partner, and jurisdiction restrictions. It is a financial technology service, not a bank; card issuance and banking services are provided by partners.