We’ve been using Ramp for card spend for a few years now, and have started using the Treasury product with small amounts, but the one thing that is holding us back from a complete swap is the lack of integration with aggregators like Yodlee and Plaid.
We can sync directly with Xero so there’s no issue there, but plenty of other financial tools like Ramp itself use connections from these aggregators to import precise financial info. This seems especially import for tools that evaluate credit. Ramp has a manual statement upload option, but other products don’t.