Ramp

## How does Ramp categorize users for spend management and allocate funds accordingly?

Ramp divides users into two main categories for spend management. Frequent spenders, such as employees in marketing, procurement, or travelers, are invited with monthly recurring allocated funds that align with their typical spending patterns, enabling them to manage expenses within set limits. Infrequent spenders, representing average employees, are invited without allocated funds but retain the ability to request funds on a one-time basis as needed. Companies often assign infrequent spenders a small virtual card limit (e.g., $50-100) for incidental expenses or benefits like coffee with colleagues. Ramp also supports assigning default funds for specific purposes such as wellness benefits or lunch stipends when inviting employees.