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Tech / F&A verified Verified Outcome TRL 9

Virtual Card Controls for Tail Spend

domain Client: A high-growth technology company handshake Provider: Ramp / Brex schedule Deploy: Q3 2021 (Adoption)
96 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: Very High

Executive Summary

ANALYST: COI RESEARCH

To eliminate the friction of expense reports and gain control over decentralized software spend, the company issued unlimited virtual corporate cards. These cards are pre-coded with budget limits and GL categories. When a transaction occurs, it automatically syncs to the ERP with the receipt attached, achieving 100% touchless reconciliation.

rate_review Analyst Verdict

"The death of the expense report. By moving controls to the *point of purchase* (the card) rather than the *point of audit* (the report), companies eliminate the P2P cycle entirely for low-value spend. It is the ultimate efficiency hack for 'tail spend'."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Employees used personal cards for SaaS subscriptions and travel, submitting expense reports weeks later. Finance had no real-time visibility into burn rate and spent thousands of hours chasing missing receipts and reconciling credit card statements.

psychology The Solution

Deployed Ramp virtual cards. Cards can be spun up instantly for specific vendors (e.g., 'Google Ads Card') with hard caps. If a receipt isn't uploaded via SMS instantly, the card locks. Integration pushes the coded transaction directly to NetSuite.

settings_suggest Technical & Deployment Specs

Integrations
NetSuite / Slack
Deployment Model
SaaS
Data Classification
Financial
Estimated TCO / ROI
Negative (Earns cashback)
POC Summary (2020-01-01 to 2021-01-01)

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Vendor Acceptance Low Virtual cards run on Visa/Mastercard rails.
Shadow IT Medium Card issuance approval workflows.

trending_up Impact Trajectory

Audited value realization curve

Creation of >1,000 virtual cards Verified Outcome
Primary KPIReduction in expense reporting hours to near zero
Audit CycleReal-time visibility into departmental burn

policy Compliance & Gov

  • Standards: SOX
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Financial

folder_shared Verified Assets

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Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for A high-growth technology company without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-932
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-932

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