Ramp Apply For Account

Apply For A Ramp Account

Use the live ramp applications commands and responses as the source of truth. Keep the conversation simple. Explain business or API terms only when needed.

Start With A Choice

First determine whether the person wants to start a new application or continue an existing one. Then offer a collaboration style:

• Guided: ask short questions one section at a time.
• Use documents: read only the files they provide, extract relevant facts, and ask them to confirm before writing.
• Mostly in Ramp: do what the agent can, then proactively provide direct Ramp links for the person to finish.

Recommend guided mode when they are unsure. They may switch modes at any time.

Use production by default — nearly everyone using this skill is filing a real application, and every example below uses --env production. Sandbox is available only when the user explicitly requests a test application: replace production with sandbox in every command and confirmation, and never mix environments within one application flow. Say plainly that production starts a real signup and underwriting process.

Start A New Application

Inspect the current payload shape:

ramp applications schema --env production --agent
ramp applications create --env production --example --agent

Ask: "What email should receive the Ramp application invite?"

Collect only the fields required to create the application. Use only facts the person supplied or confirmed. Never treat example values as defaults.

Ask whether the business already has a formed legal entity with an EIN. If it does not, set needs_incorporation: true in the create payload and do not send formed-entity details such as legal name, EIN, incorporation date, or incorporation state in the initial create request. The resulting unformed-entity flow is handled in two phases: first collect and PATCH the provisional incorporation preferences required by the financing application, then after the applicant reviews and submits FA, use ramp-incorporate for the actual formation filing. Incorporating through Ramp is not free — pricing and details are the source of truth at https://agents.ramp.com/docs/account/incorporate; when the business has no legal entity yet, tell the person incorporation has a cost and offer to fetch that page before they commit. Before running incorporation write commands, confirm the CLI is authenticated as the newly-created applicant business; an older agent-key session will operate on its older business instead.

Before sending, give one concise confirmation:

Ready to send a real Ramp application invite to <masked email> for <business name> in production. This starts signup but does not submit the application. Should I send it now?

After confirmation:

ramp applications create --env production \
  --json '<confirmed payload>' --wait_for_auth --agent

The confirmed JSON payload must include a non-empty "rationale" key alongside the application fields (e.g. "rationale": "User confirmed sending the Ramp application invite for <business name>") — without it the create is rejected with a validation error and no invite is sent.

Keep the command running. The flow is blocked until the recipient opens the invite email and accepts it. Lead with the email and say it plainly — do not imply anything opens automatically on their end. Name the inbox:

I've sent an application invite email to <applicant email>. Open your email inbox now and accept the invite — nothing pops up automatically. I'll wait right here until you do.

Then tell them what to do from the email:

1. Open the Ramp invite email in <applicant email>'s inbox (check spam if you don't see it).
2. Click the link in the email, then create an account or sign in.
3. Choose Start application.
4. Return here after the browser step completes.

Do not describe this as only a "browser" step or imply a window will open on its own — the person must first open their email inbox and accept the invite.

The CLI saves scoped credentials when the browser callback succeeds. If it returns authenticated: false, the application still exists. Run the returned fallback login command, then continue below.

If the user interrupts --wait_for_auth after the invite is created, the CLI returns interrupted: true, authenticated: false, and, when the API provided one, invite_link. Treat this as a successful application creation with an unfinished auth handoff: show the invite link, ask the recipient to finish the Ramp browser step, and use the returned fallback command only if credentials are still needed.

If creation returns a rate-limit error, explain when they can retry. Do not automatically retry or change identities, sessions, or networks to evade it.

An existing Ramp email may continue an existing application instead of creating a new one. Do not imply that a second application was created.

Continue An Application

Check authorization:

ramp auth status --env production --agent

The normal workflow needs applications:read, applications:write, and bank_accounts:read. If incorporation may be needed, also include incorporation:read and incorporation:write so the ramp-incorporate skill can continue without a second auth handoff. If missing:

ramp auth login --env production \
  --auth-level business \
  --scope applications:read \
  --scope applications:write \
  --scope bank_accounts:read \
  --scope incorporation:read \
  --scope incorporation:write

This opens a browser-based authorization. The user must open the Ramp email they receive and complete the sign-in step before authorization can finish. The CLI waits for the browser callback; do not proceed until it succeeds.

Any sanctioned connection user may authorize the intended business. If Ramp shows a business chooser, ask them to select the business whose application they want to complete. Read the application, state the returned legal business name and masked applicant email, and ask them to confirm it is the intended application before the first write. If it is not, stop and reauthorize the correct business.

Run The Progress Loop

Always start or resume with:

ramp applications progress --env production --agent

Inspect the full required_actions, optional_actions, ready_for_submission, and status before acting.

When the next step is a known applicant browser action and the person is acting now, use the progress command's wait flags instead of repeatedly polling by hand:

# After sending the person to complete phone verification
ramp applications progress --env production --agent \
  --wait_for_phone_verification --wait_interval 15 --wait_timeout 900

# After sending the person to complete Onfido / identity verification
ramp applications progress --env production --agent \
  --wait_for_identity_verification --wait_interval 15 --wait_timeout 900

# For any exact required-action enum, applicant-action enum, page_key, or section_key
ramp applications progress --env production --agent \
  --wait_for_action <action_or_key> --wait_interval 15 --wait_timeout 900

Use wait flags only after you have shown the required link or instructions and the person has agreed to do that step now. If the wait times out, surface the pending action from the CLI error, re-fetch progress if needed, and ask whether they want more time or a fresh link. Do not use wait flags with --dry_run.

1. First look for independently actionable work, even if other required actions are owned by Ramp or the applicant.
2. If a required action is COMPLETE_INCORPORATION with provider doola, use the ramp-incorporate skill to file the LLC before continuing. For any other provider, explain that the incorporation provider is not supported by the CLI yet and show the current Ramp link if one is returned. If ramp-incorporate is not already installed in the active agent environment, fetch it from the same Ramp CLI binary and version you are using: ramp skills show ramp-incorporate. Do not search old local checkouts, prior Codex work directories, or other stale skill snapshots.
3. Do not use WAIT_FOR_RAMP alone as an incorporation signal; formed businesses also wait on ordinary Ramp review. If there is no active COMPLETE_INCORPORATION blocker, use ramp-incorporate only when the person explicitly asked to file an LLC for the current unformed-entity application, the application still shows needs_incorporation=true or no formed entity/EIN, and the submitted application is waiting on Ramp (usually status/state = WAIT_FOR_RAMP). Confirm the current business-scoped OAuth session before write commands. Do not wait for Ramp approval, underwriting, or identity review after submission in this explicitly unformed-entity path.
4. Complete independently actionable actor=AGENT work.
5. Re-fetch progress after every meaningful write.
6. For actor=APPLICANT, explain the step and show its current Ramp link.
7. If any remaining required action has actor=RAMP, explain that Ramp is reviewing or processing and stop before writing.
8. Show optional actions separately. They never block required work.

Do not stop at the first human action if other agent-owned work can be completed independently. Treat Ramp-owned actions as stop conditions only after incorporation and other independent agent-owned work have been handled. Do not hand off an applicant-owned browser step while required agent-owned application data is still visible and independently writable.

Continue until the agent has no remaining work, the person must act, Ramp owns the next step, or the application is APPROVED, REJECTED, or WITHDRAWN.

When progress returns ready_for_submission=true, run ramp applications get --env production --agent before telling the person the application is ready. For needs_incorporation=true applications, verify that business.incorporation contains the provisional entity type, filing state, and intended filing date whenever date_of_incorporation is present in the live application/edit schema. Progress may omit a validation issue for this field, so do not treat missing progress validation as proof the intended date can be skipped. If those fields are null or missing, collect and patch them first, leaving EIN empty/null unless Ramp has already issued one. This check applies even when the only remaining required action is REVIEW_AND_SUBMIT; do not send the person to final review/submission while provisional incorporation fields are still missing or unconfirmed.

After that check, ready_for_submission=true means the application is ready for the person to review and submit in Ramp. The agent must not perform final submission or accept legal agreements. Do not start incorporation formation yet; show the submission link, wait for the person to submit, then re-fetch progress. When the submitted application is waiting on Ramp (usually WAIT_FOR_RAMP), start incorporation if the LLC still needs to be filed.

Minimize Browser Touchpoints

During application data collection, the only forced browser touchpoints should be:

• accepting the invite email;
• phone verification, when progress returns it;
• SSN entry;
• Onfido identity verification.

Everything else should be completed through the CLI when the API allows it. In guided mode, collect all visible non-sensitive missing facts from the current progress response before the next browser handoff. This includes general details, principal business address, financial estimates, provisional business.incorporation fields for needs_incorporation=true applications, domain-mismatch explanation, and owner/controller fields such as title, birth date, residential address, email, phone, role, and ownership percentage.

When every API-writable/non-sensitive application field has been submitted and the only remaining applicant-owned actions are SSN entry and optionally phone verification, present the returned Ramp form link(s) together so the person can complete them in one browser session. If they are completing phone verification or Onfido now, run the matching ramp applications progress --wait_for_phone_verification or --wait_for_identity_verification command so the agent resumes as soon as the required action clears. After the wait returns, continue from the returned progress payload as the new source of truth. Final review and submission is also applicant-only, but do not send the person there until all API-writable data and required browser verification steps are complete.

Unformed Entity Incorporation Fields

For needs_incorporation=true applications, the financing application may still require an Incorporation section before the person can submit FA. Treat those fields as intended/provisional filing facts needed by FA, not proof that the entity already exists.

Before surfacing phone verification, SSN entry, identity verification, or final review/submission, inspect the live application edit schema and formation reference data:

ramp applications get --env production --agent
ramp tools schema applications edit --env production --agent
ramp applications edit --env production --help
ramp incorporation states --env production --agent
ramp incorporation industries search --env production --q "<business keywords>" --agent

Use the edit schema as the source of truth for which provisional incorporation fields are writable, but do not present unsupported formation types as options. The current Ramp formation flow is LLC-only; if the application schema asks for entity type, confirm the applicant wants an LLC and set the LLC value the schema expects. If the applicant wants another entity type, stop and hand off to Ramp or the team instead of continuing with ramp-incorporate. Use ramp incorporation states to present valid filing states, and search industries with business-specific keywords when an industry/NAICS field is needed.

When the FA surface asks for business type and state:

• fill the intended entity type and state before FA submission;
• ask the user which valid state they want to incorporate in after fetching the available states;
• confirm the applicant wants to form an LLC before writing the entity type; the current Ramp formation flow does not support choosing other entity types;
• patch date_of_incorporation before FA submission whenever the current application/edit schema exposes it for the unformed-entity provisional FA section. Treat it as the intended filing date, confirm that the user is providing an intended filing date, and ask whether it should be today's date, naming the exact date in the user's local timezone. Do not infer or reuse an actual incorporation date because Ramp backfills that after approval;
• leave EIN empty/null; treat it as optional here, but do not provide it in tool calls for needs_incorporation=true because Ramp backfills it after incorporation completes;
• do not skip this step because Doola formation has not been submitted yet;
• after the person submits FA, use ramp-incorporate for the actual Doola formation filing.

Make Human Handoffs Obvious

Whenever a current deep_link_url is returned, show it prominently:

Required human step: Verify your identity

Open in Ramp: <deep_link_url>

For an agent-owned step that also has a link:

I can complete this here. If you prefer to take over:

Open in Ramp (optional): <deep_link_url>

Be proactive; do not wait for the person to ask for the link. Say whether the link is required or an optional takeover. If it may be stale, fetch progress or follow-ups again and use the newly returned URL. Never invent a Ramp or third-party link.

SSN — Browser Handoff Only

Never ask for or accept SSN (last-4 or full 9-digit) in chat, CLI prompts, env vars, or --json. SSN entry must happen exclusively through the Ramp browser form link that Ramp returns, including when the ramp-incorporate workflow is active.

Fill all other application fields programmatically via the CLI before asking the person to handle SSN in Ramp. If validation_issues for controlling_officer or beneficial_owners include both SSN and non-sensitive missing fields such as address, birth date, title, email, phone, or ownership percentage, collect and PATCH the non-sensitive fields first, then re-fetch progress. Show the SSN browser link only after those non-sensitive fields are submitted and the only other remaining applicant-owned action is phone verification.

When SSN collection is needed, there are two cases:

Last-4 case (Leaders & Owners — controlling_officer / beneficial_owners): When ramp applications progress returns a required action for the controlling_officer or beneficial_owners section that returns a non-null deep_link_url, present that link as the required way to enter SSN:

Required step — enter SSN in Ramp:

Open in Ramp: <deep_link_url>

Complete SSN entry in the browser, then return here and let me know so I can re-fetch your application progress.

If the required action for controlling_officer or beneficial_owners returns a null deep_link_url (feature not yet deployed), do not ask for SSN in chat. Instead, tell the user:

SSN must be entered directly in the Ramp application in your browser. Please open your Ramp application, navigate to the Leaders & Owners section, and complete SSN entry there. Let me know when done and I will re-fetch progress.

Full-9 case (KYC follow-up): When ramp applications followups returns a follow-up with reason of KYC_SSN_VERIFICATION or KYC_SSN_FULL_9_VERIFICATION that returns a non-null deep_link_url, present that link prominently:

Required step — verify your full SSN in Ramp:

Open in Ramp: <deep_link_url>

Complete SSN verification in the browser, then return here and let me know so I can re-fetch your follow-ups.

After the user confirms they have finished the browser step, re-fetch progress or follow-ups and continue. When the browser step maps to a progress required action, prefer ramp applications progress --wait_for_action <page_key_or_section_key> while the user completes it. Never invent a link; use only the deep_link_url returned by the API.

Ask Only For The Next Missing Facts

Use page_key, section_key, guidance, follow-up prompts, accepted document types, and live command help to explain:

• what is missing;
• why Ramp needs it now;
• where the person can usually find it; and
• whether they can complete it directly in Ramp.

Batch related, non-sensitive questions from all current agent-owned required actions so the person does not have to bounce between Ramp and chat. Keep sensitive requests separate. Prefer plain questions such as:

• "What is the legal name shown on the business's formation or tax document?"
• "What email should we use for this owner?"
• "Is the controlling officer also an owner? If so, what percentage do they own?"
• "What is the controlling officer's residential address?"
• "Ramp currently supports LLC formation here. Do you want an LLC, and which valid filing state should we use?"
• "Would you like to open a Ramp checking account, add an external account, or do both?"

Owners And Control

Early-stage businesses often have a controlling officer who is also a beneficial owner. Ask about role and ownership separately before writing the Leaders & Owners fields.

When the controlling officer owns 25% or more of the business, include both controlling_officer.is_beneficial_owner: true and controlling_officer.ownership_percentage as a whole number from 25 to 100. Do not duplicate the same person in beneficial_owners just because they are both the controller and a 25%+ owner. Put other 25%+ owners in beneficial_owners, and include each owner's ownership_percentage.

Before calling ramp applications edit, normalize owner/controller emails case-insensitively and shape the desired payload:

• if any beneficial_owners[*].email matches controlling_officer.email, merge the non-sensitive owner fields into controlling_officer;
• set controlling_officer.is_beneficial_owner: true;
• set controlling_officer.ownership_percentage when known;
• remove that matching entry from beneficial_owners;
• never retry by appending the same beneficial owner again; fetch current state and PATCH the deduped desired state.

Example for a sole owner who is also the controlling officer:

{
  "controlling_officer": {
    "email": "owner@example.com",
    "is_beneficial_owner": true,
    "ownership_percentage": 100
  },
  "beneficial_owners": []
}

When the controlling officer owns less than 25%, capture their controlling_officer.ownership_percentage if the field is available, but do not mark them as a beneficial owner. Set controlling_officer.is_beneficial_owner: false when the field is present and list only 25%+ owners in beneficial_owners.

If the controlling officer does not own the business, set controlling_officer.is_beneficial_owner: false when the field is present and list the actual beneficial owners separately. Only send ownership_acknowledgement after the person explicitly confirms that all 25%+ beneficial owners have been captured.

When no individual owns 25% or more, require that explicit confirmation before writing an empty owner list. Set beneficial_owners: [], controlling_officer.is_beneficial_owner: false, and ownership_acknowledgement: CONFIRM_NO_INDIVIDUAL_OWNS_25_PCT. Do not use that acknowledgement merely because no owner was entered yet. This ownership shape is valid for the financing application, but ramp-incorporate will separately collect the LLC members required for formation after the application is submitted.

If the applicant's business email domain does not match the business website domain, surface that mismatch plainly before writing it, and ask for a brief reason (for example, a personal email or a parent-company domain). Do not block on it — capture the explanation and continue.

Useful sources include formation documents, an IRS EIN letter, a cap table, financial statements, bank statements, and official address records. These are examples, not requirements.

If several sections need documents, offer to use a private folder chosen by the person. Read only files intentionally provided for this application. Do not scan unrelated directories or write extracted PII, credentials, OTPs, or assembled application payloads to disk.

Record Agent Context When Supported

Before each generated mutation, inspect its live schema or help. When it exposes the following fields, include both:

• user_prompt: the person's natural-language request that led to the write.
• data_source_summary: a short description of where the written facts came from.

Keep the source summary specific but free of sensitive values. Examples:

• Legal name and EIN from the IRS letter provided by the user.
• Revenue confirmed by the user from QuickBooks.
• Document selected and authorized by the user for this follow-up.

Use the current generated command options or JSON body. If the live operation does not expose these fields, omit them rather than inventing unsupported arguments. Do not invent provenance.

Update Application Data

Read current state and schema first:

ramp applications get --env production --agent
ramp tools schema applications edit --env production --agent
ramp applications edit --env production --help

PATCH only supplied or source-backed fields. Omit unknown fields:

ramp applications edit --env production \
  --json '{
    "<field>":"<confirmed value>"
  }' --agent
ramp applications progress --env production --agent

When the live edit schema exposes agent-context fields, add the user_prompt and data_source_summary described above to the JSON body.

Treat validation errors as correctable input issues. Ask for the rejected value; do not guess or repeatedly PATCH alternatives.

Handle Follow-Ups

ramp applications followups --env production --agent

Inspect actor, type, status, is_complete, is_required, prompt, description, deep_link_url, accepted_document_types, and selected_document_type.

• Skip completed follow-ups.
• Label is_required=false as optional.
• For REVISION_REQUESTED, explain the current request and reassess the prior response.
• If the application is still in the Ramp incorporation flow (COMPLETE_INCORPORATION is active, or ramp incorporation status is still pre-APPROVED), do not surface certificate-of-incorporation, articles-of-incorporation, or EIN/EIN letter KYB follow-ups as current user action items yet. Acknowledge them as pending formation outputs and continue with any unrelated work.
• If any follow-up has actor=RAMP, explain that Ramp owns the next step and stop before writing.
• Never mutate an applicant-owned follow-up. Show its link.
• Complete agent-owned follow-ups before asking the person to handle unrelated applicant-owned work.

Text response:

ramp applications update-followup <followup_id> --env production \
  --json '{
    "response_text":"<confirmed response>"
  }' --agent

When the live follow-up schema exposes agent-context fields, add them to the JSON body.

For a document follow-up, prefer a matching accepted_document_types value. If the prompt or description requests a bespoke type, use that exact human-confirmed type even when it is not listed. Do not invent or generalize types. If selected_document_type already matches, do not update it again. Upload only the file the person selected and explicitly authorized; selecting a type does not upload the file.

When selected_document_type must be set or changed:

ramp applications update-followup <followup_id> --env production \
  --json '{"selected_document_type":"<confirmed type>"}' --agent

ramp applications upload --env production \
  --file <path> --purpose FOLLOWUP --followup_id <followup_id> --agent
ramp applications followups --env production --agent

When the live upload schema exposes agent-context fields, include them using its generated options.

After all required follow-ups are complete and the response reports is_submission_ready=true, submit the follow-up package and refresh progress:

ramp applications submit --env production --agent
ramp applications progress --env production --agent

When the live submit operation exposes agent-context fields, include them using its generated options. This is not final application submission.

Handle Banking

Banking has three possible paths:

• open Ramp checking;
• link one or more external accounts in Ramp; or
• add one or more manual accounts through the agent workflow.

Ask which path the person wants. Ramp checking and external accounts are not mutually exclusive.

For provider linking, show the current Ramp link as a required or optional human handoff. Never ask for online-banking credentials.

For a manual account:

1. List current accounts and documents before making changes.
2. Reuse an existing applicant-confirmed manual account when it matches the intended account; associate uploads with its manual_bank_account_id.
3. Add a manual account only when the person explicitly wants a new one, using details they provided for this application and agent context when exposed.
4. Upload only the supporting documents missing for the selected account.
5. Re-list accounts and documents, then refresh progress.

Paginate until pagination.next_cursor is null. Never alter a cursor.

For the standard manual-statement path, match documents by manual_bank_account_id. Three active BANK_STATEMENT documents complete that path; three is not a general upload maximum. Do not upload extras after the requirement is met.

For each missing statement:

ramp applications upload --env production \
  --file <statement_path> --purpose BANK_STATEMENT \
  --manual_bank_account_id <account_id> --agent
ramp applications documents --env production --page_size 100 --agent

When the live upload schema exposes agent-context fields, include them using its generated options. Recount active statements for that account after each upload.

Adding accounts does not complete a BANK_ACCOUNT_LINK_REQUEST follow-up. After refreshing the account list, ask the person to confirm that there are no more accounts to link. Only after explicit confirmation, update that follow-up:

ramp applications update-followup <followup_id> --env production \
  --json '{
    "no_more_accounts_to_link":true
  }' --agent
ramp applications followups --env production --agent
ramp applications progress --env production --agent

When the live follow-up schema exposes agent-context fields, include the person's confirmation as user_prompt and identify the person as the source in data_source_summary.

Do not use this response to bypass an account-linking flow the person still wants to complete.

If an active agent-managed Ramp account number becomes available and the person asks for receiving details, use ramp treasury account-numbers --env production --agent with the narrow agent_account_numbers:read scope. Treat returned account and routing numbers as sensitive: show them only when requested and do not repeat them in status summaries.

Safety Boundaries

• Never invent application facts or sources.
• Never request full government IDs, OTPs, online-banking credentials, or other secrets in chat.
• Never collect SSN (last-4 or full 9-digit) in chat; always hand off to the returned deep_link_url as described in the SSN — Browser Handoff Only section above.
• Mask sensitive values in confirmations and summaries.
• Do not use --dry_run with sensitive data because it prints the request.
• The person must accept invitations, complete applicant-owned identity steps, accept legal agreements, review the application, and submit it.
• An agent may transmit an explicitly selected identity document only when the API marks that follow-up actor=AGENT; Ramp evaluates the document.
• If sanctioned browser, email, or SMS access exists and the person authorizes it, the agent may assist outside this API workflow. This is not officially supported and must not be assumed.

If You Get Blocked

If the user wants to report an unresolved public CLI error, ask for consent and have them approve the exact message before sending feedback:

ramp feedback "<user-approved description of the public CLI error>"

This sends the approved message to Ramp support. Do not include secrets, resource identifiers, raw application output, or diagnostic artifacts.

Optional Goal And Monitoring Examples

When the agent environment supports /goal, suggest:

/goal Help me finish my Ramp application. Complete agent-owned steps, show me
links for human steps, and stop before final submission.

When it supports /loop, suggest:

/loop Check my Ramp application every 30 minutes. Complete agent-owned
follow-ups that need no new information, and tell me when I need to act or when
the application is approved.

A loop must not invent information, bypass confirmation, perform final submission, or retry a rate limit.