Ramp makes money through a variety of revenue streams, including interchange fees, which are fees paid by merchants to card issuers like Ramp for processing credit and debit card transactions. Ramp also earns interest on the balances held in its users' Ramp accounts and may charge fees for certain services, such as wire transfers and ATM withdrawals. In addition, Ramp may generate revenue through partnerships with other financial service providers and by offering premium features or subscription-based services to its users. Overall, Ramp's revenue model is similar to that of other financial technology companies that offer payment and banking services.