Simon Taylor Profile picture
Jul 21 1 tweets 2 min read Read on X
.@tryramp cut their AI costs by 30% with an LLM router.

Now they're giving it away for free.

Router started as internal tooling to keep 100+ AI features at Ramp on the right model. It routes 2.75 trillion tokens a month today, and they're opening it up to outside users.

What it does:

- One endpoint for OpenAI, Anthropic, Gemini and open-source models (incl. Kimi)
- Sends every request to the cheapest model that clears a quality bar
- Tests new models on real work each week, then re-routes automatically
- Layers caching, compression and 100+ optimizations on each request
- Falls back to another model when a provider goes down or rate-limits you

Using it is a one-line change: the API is OpenAI-compatible, so you swap your base URL and you're done. Free at launch (you pay list price for tokens), and the first 500 off the waitlist get $100 in credits.

Why now? Ramp processes AI vendor payments for thousands of companies. Their data shows business token usage up 1,001% from Jan 2025 to April 2026, with spend up 497%. @chamath says AI costs at his startup 8090 more than tripled since November and could hit $10m a year.

Ramp's mission is cutting costs. First they shipped a dashboard to see AI spend. Now the router to control it.

Model providers earn more when you use more frontier intelligence. "Ramp wins when you spend less."

This is exactly how a non-AI company becomes relevant in AI.

Solve the AI jobs to be done.

It makes you more newsworthy, more investor-friendly, and more useful to the fast-growing startups Ramp covets.

And here's a lovely detail. You don't need a Ramp account to use it.

This competes with OpenRouter, but doesn't have the same margin requirements, because it's also Ramp's top of funnel into the broader spend management platform.

Smart.

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More from @sytaylor

Jun 14
Major narrative violation: The big banks ARE doing stablecoins.

@Zelle says it is expanding to India and will launch a stablecoin later this year.Image
For context: Zelle is the largest P2P money transfer service in the United States, larger than Venmo or Cash App, and built by the large banks.

The parent company Early Warning is owned by seven banks: BofA, Capital One, JPMorgan Chase, PNC Bank, Truist, U.S. Bank, and Wells Fargo.
They're launching the app in India but NOT the stablecoin.

This makes sense as India represents the largest outflow of remittances from the US, flowing there.

India is, however, not particularly fond of crypto, so I'm not surprised to see Zelle being more cautious about naming the stablecoin for that corridor.
Read 5 tweets
Feb 19
Modern Treasury just became a PSP competing with Stripe and Adyen.

But that undersells it massively.

What they really did was rethink what a PSP needs to be in 2026.

👇 Image
Most PSPs start with one core rail like cards

Then add others like wires or ACH or stablecoins on a platform build around cards.

Modern Treasury started with all rails.

Creating one unified API for

- ACH,
- wires,
- RTP, FedNow,
- cards,
- and stablecoins.

Where you route the money is just a configuration decision.
That changes:

→ The architecture
→ The customer experience
→ The complex funds flows you can build

Same API. Same ledger.
Read 7 tweets
Jan 2
The @kontigo_app vs Checkbook & JP Morgan drama is pure 🍿.

I wanted to give it some context. Because the claim of "banking system is evil and outdated" is simply wrong and lacks context.

Here's what I think is really going on
JP Morgan closed accounts for crypto startups Kontigo and Blindpay

The information reported that the account freezes were linked to business activity in high-risk regions, including Venezuela, and to gaps in customer identity checks.

From Tradeweb: “JPMorgan acted after seeing rising disputed transactions and chargebacks tied to these accounts. The bank said the decision was based on risk controls, not opposition to stablecoins themselves.”
To understand this, there are a few things we need to unpack:

🧠 There are three players here. Checkbook, JP Morgan, and the start-ups themselves.

- JPM banks Checkbook.
- Checkbook "banks" Kontigo.
- Kontigo serves the End User.
Read 13 tweets
Dec 23, 2025
🚨 JUST IN: @Shift4 just launched stablecoin settlement for hundreds of thousands of merchants.

Merchants can get paid in USDC, USDT, EURC, or DAI 24/7

Instead of waiting for bank transfers - OR paying a fee (like 1%) for an advance.

Here's why it matters 🧵 Image
Shift 4 is a major PSP.

- They process billions of transactions a year.
- $200B+ in payment volume.
- Segments like restaurants, hotels, stadiums, retail.

Not all of those merchants are familiar with stablecoins.

But the ability to get paid faster will make many of them curious.

And that expands the TAM of stablecoins.
Why stablecoins for merchant settlement?

Right now, if you're a merchant and you want your money faster than the standard 2-3 day window, you pay for it.

Square charges 1-1.5% for instant payouts.

PayPal has similar fees.

Everyone does.

Stablecoins settle in seconds. Around the clock. Weekends and holidays included.
Read 6 tweets
Dec 21, 2025
The State of Fintech 2026:

Nubank: 127m customers
Klarna: 114m
Revolut: 65m

A handful of companies now have more users than most countries have people.

We've entered the Age of the Fintech Hyperscaler.

🧵 What I learned writing the annual report with @jevgenijs Image
AI assisted 1 in 6 purchases this Black Friday.

It showed in the data for the first time.

But here's the uncomfortable truth:

Almost no fintech has an industry-specific foundation model driving earnings.

Stripe is the only example I found.

The rest is still vibes.Image
Image
Stablecoins found product-market fit.

Not as "bank killers."

As cross-border rails and corporate treasury tools.

The use case that won: payouts and pay-ins for businesses tired of correspondent banking.

Boring? Yes. Working? Also yes. Image
Read 10 tweets
Nov 21, 2025
Huge moment for Agentic Commerce.

EMVCo (the technical body behind Visa, Mastercard, Amex) is creating global standards for "agentic payments."

This is the biggest change in card payments since "tap to pay"

Here's how it works 🧵 Image
Right now, AI agents are phenomenal at finding things to buy.

- Power users are starting to default to their research
- Can compare complex options and summarize
- And when people click through conversion is 2x to 5x higher

But...
There's no agreed way for payment to happen

- There's countless protocols
- x402 for agents accessing other tools
- ACP and A2P from Open AI and Google
- Visa and Mastercard have their own approaches
Read 11 tweets

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