Ruby is a financial technology company that offers a comprehensive financial platform designed to streamline vendor payments and integrate banking services for modern businesses. Operating in the fintech sector, Ruby serves small to medium-sized enterprises (SMEs) looking to centralize their financial operations. The platform provides a suite of tools including virtual debit cards, ACH payments, invoicing, and financial insights, all aimed at enhancing business efficiency and decision-making. Banking services are provided through a partnership with Midland States Bank, ensuring FDIC insurance coverage. Ruby's business model revolves around subscription fees and transaction-based charges, making money by offering premium financial services and automated fee recovery. The platform also supports integrations with various commerce, logistics, and finance systems, allowing businesses to sync their operations seamlessly. By consolidating multiple financial functions into one platform, Ruby helps businesses save time and money, ultimately improving their operational efficiency and financial health.

Keywords: fintech, vendor payments, virtual cards, ACH payments, invoicing, financial insights, SMEs, banking integration, fee recovery, business efficiency.