2022年10月25日

得到它!得到它!礼貌的坡道W i投资者面临全球经济衰退,三岁fintech坡道使其跨国扩张的情况可以给美国企业更多赚钱的机会。周二宣布,纽约市公司信用卡公司推出了国际账单支付,现在购买支付后来融资和员工补偿在176个国家和83个货币。此举之际,美元扩展其怪物集会,暴涨近20%在过去一年二十年高位,根据美元指数密切相关。美元历史上,这种力量已经预示着全球recession-spelling麻烦对外国经济和美国公司有重大收入转到国外,但坡道是专注于一线希望。“过去25,人们真正开始讨论对全球经济来说意味着什么,它实际上是亮点很多企业主面临很多headwinds-whether提高利率或紧张的劳动力市场,”Eric Glyman说,坡道的32岁的CEO。美元的强势,他指出,“一个巨大的钉子”保护的利润和企业的外包成本是特别好的公司在国际上制造货物或聘用人才。美国。支出从斜坡客户同比上涨近5倍,超过仅上个月就超过1亿美元。 The company is gearing up for bigger numbers: The number of cards shipped abroad has ballooned 6,000% from last year. With its international play, Ramp customers—all based in the United States—can now pay vendors in foreign currencies within minutes or reimburse employees in two days or less for out-of-pocket expenses overseas. The company joins competitors like Bill.com, which launched cross-border payments in 2019 and has since expanded the service to 130 countries, as well as corporate card giant American Express , which announced a similar digital-first feature in August. However, Ramp's offering also integrates the cross-border payments with its flagship spending-management platform, which uses machine-learning technology to analyze expenses and recommend cost-cutting moves. As part of the launch, Ramp has partnered with NetSuite to offer sales-tax support, including automatically telling clients when they may be liable for tax remittances or eligible for rebates on foreign transactions. Among Ramp clients, New York City-based health-tech startup Candid has reaped the benefits of a strong dollar by expanding its overseas labor and production footprint. The company, which raised $160 million from investors in November, makes teeth-straightening aligners akin to Invisalign and last month opened a 83,000-square-foot factory in the border city of Tijuana, Mexico. "We're one of those companies that doesn't have a ton of international exposure from a revenue standpoint, but we have a ton of international exposure from a cost standpoint," says CEO Nick Greenfield, citing lower costs for transportation and manufacturing. He adds that Ramp's algorithmic recommendations have helped generate about $15,000 in monthly savings by identifying things like duplicate software licenses and subscriptions. Rising foreign-business outlays on Ramp have been biggest in freight services, with spending on major providers like Maersk and FedEx Freight climbing more than six times this year from 2021 levels. Spending on international shipping providers has grown more than 300%. Ramp says customers are increasingly tapping into global freelancer marketplaces such as Upwork and Toptal, on which transactions have jumped fourfold this year. The push helps expand Ramp's reach in the $120 trillion payments market as many fintechs struggle. The Global X FinTech ETF, which counts payments companies Block and Adyen among its biggest components, has cratered 49% this year, compared with a 21% decline for the S&P 500. Ramp, which makes money from taking a share of credit-card interchange fees, landed an $8.1 billion valuation in March and has raised more than $1.4 billion from investors including Goldman Sachs, Peter Thiel's Founders Fund and Stripe. The company won't disclose revenue but now counts more than 10,000 businesses—including real estate giant Douglas Elliman, fintech Marqeta and software companies Anduril and Webflow—as clients, more than four times the count one year ago. "We started in the go-go days of WeWork and Uber