FirmOS

AI-powered automation platform for accounting firms

Ramp

US AI-powered corporate card, expense management, and finance automation platform

FirmOS

Caution

9/25

Ramp

Caution

10/25

Score Breakdown

DimensionFirmOSRamp

Data Residency

Where is your data stored and processed?

FirmOS: US-based infrastructure. No EU data residency option. Financial client data processed in US.

Ramp: US-only product and infrastructure; no EU data residency; EU businesses not currently supported

2/5

US-based infrastructure. No EU data residency option. Financial client data processed in US.

1/5

US-only product and infrastructure; no EU data residency; EU businesses not currently supported

Legal Jurisdiction

Which laws govern the company and your data?

FirmOS: US company. Subject to US jurisdiction. Handles sensitive financial data under US data protection standards.

Ramp: US Delaware corporation; CLOUD Act applies; no EU legal entity or DPA framework for EU customers

2/5

US company. Subject to US jurisdiction. Handles sensitive financial data under US data protection standards.

1/5

US Delaware corporation; CLOUD Act applies; no EU legal entity or DPA framework for EU customers

Data Retention & Training

Is your data used for model training?

FirmOS: Early-stage product. Handles sensitive financial documents. Retention and deletion policies not extensively documented publicly.

Ramp: No training on customer financial data; strong contractual commitments; SOC 2 verified controls

2/5

Early-stage product. Handles sensitive financial documents. Retention and deletion policies not extensively documented publicly.

4/5

No training on customer financial data; strong contractual commitments; SOC 2 verified controls

Certifications

ISO 27001, SOC 2, Cyber Essentials, etc.

FirmOS: No security certifications publicly disclosed. Early-stage startup handling financial data.

Ramp: SOC 2 Type II and PCI DSS — appropriate for a card-issuing fintech; ISO 27001 not confirmed

1/5

No security certifications publicly disclosed. Early-stage startup handling financial data.

3/5

SOC 2 Type II and PCI DSS — appropriate for a card-issuing fintech; ISO 27001 not confirmed

Regulatory Fit

Suitability for regulated industries and professional services

FirmOS: Purpose-built for accounting but lacks formal compliance certifications. Accounting firms should evaluate data handling practices given the sensitivity of financial data.

Ramp: US-only product; not available or suitable for EU business entities; EU companies should consider Pleo or Payhawk

2/5

Purpose-built for accounting but lacks formal compliance certifications. Accounting firms should evaluate data handling practices given the sensitivity of financial data.

1/5

US-only product; not available or suitable for EU business entities; EU companies should consider Pleo or Payhawk

Total Score

9/25

10/25

Best For

FirmOS

Best for teams that prioritise data residency (scores 2/5) and need a review required-tier tool.

Ramp

Best for privacy-conscious teams who need strong data retention controls; teams on a tight budget; enterprises requiring SSO integration.

Detailed Comparison

FirmOS vs Ramp: Trust & Compliance Comparison

FirmOS (FirmOS, US) scores 9/25 overall with a Review Required (Caution) trust badge. AI-powered automation platform for accounting firms. Ramp (Ramp, US) scores 10/25 with a Review Required (Caution) trust badge. US AI-powered corporate card, expense management, and finance automation platform.

Dimension-by-Dimension Breakdown

#### Data Residency

FirmOS leads with 2/5 vs 1/5.

●FirmOS (2/5): US-based infrastructure. No EU data residency option. Financial client data processed in US.

●Ramp (1/5): US-only product and infrastructure; no EU data residency; EU businesses not currently supported

#### Legal Jurisdiction

FirmOS leads with 2/5 vs 1/5.

●FirmOS (2/5): US company. Subject to US jurisdiction. Handles sensitive financial data under US data protection standards.

●Ramp (1/5): US Delaware corporation; CLOUD Act applies; no EU legal entity or DPA framework for EU customers

#### Data Retention & Training

Ramp leads with 4/5 vs 2/5.

●FirmOS (2/5): Early-stage product. Handles sensitive financial documents. Retention and deletion policies not extensively documented publicly.

●Ramp (4/5): No training on customer financial data; strong contractual commitments; SOC 2 verified controls

#### Certifications

Ramp leads with 3/5 vs 1/5.

●FirmOS (1/5): No security certifications publicly disclosed. Early-stage startup handling financial data.

●Ramp (3/5): SOC 2 Type II and PCI DSS — appropriate for a card-issuing fintech; ISO 27001 not confirmed

#### Regulatory Fit

FirmOS leads with 2/5 vs 1/5.

●FirmOS (2/5): Purpose-built for accounting but lacks formal compliance certifications. Accounting firms should evaluate data handling practices given the sensitivity of financial data.

●Ramp (1/5): US-only product; not available or suitable for EU business entities; EU companies should consider Pleo or Payhawk

Certifications at a Glance

Certification	FirmOS	Ramp
PCI DSS	No	Yes
SOC 2 Type II	No	Yes

Overall Verdict

FirmOS and Ramp are closely matched on trust and compliance, with scores of 9/25 and 10/25 respectively. The right choice depends on your specific regulatory requirements and existing technology stack.

Frequently Asked Questions

Which is better for EU compliance, FirmOS or Ramp?

FirmOS has a TrustKit score of 9/25 while Ramp scores 10/25. Ramp currently rates higher across data residency, legal jurisdiction, data retention, certifications, and regulatory fit.

How do FirmOS and Ramp compare on data residency?

FirmOS scores 2/5 for data residency (US-based infrastructure. No EU data residency option. Financial client data processed in US.), while Ramp scores 1/5 (US-only product and infrastructure; no EU data residency; EU businesses not currently supported).

Are FirmOS and Ramp GDPR compliant?

Both tools are assessed across five compliance dimensions. FirmOS has a regulatory fit score of 2/5 and Ramp scores 1/5. Check the full comparison above for a detailed breakdown.

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