The technology changed.
THE IDEA BEHIND RUBYFIVE
The workflow didn't.
Over the course of my career, I watched banking become increasingly digital. APIs opened access to bank capabilities. Real-time payment networks changed how quickly money could move. Embedded finance began bringing financial services directly into the software businesses use every day.
Now AI is creating another fundamental shift—one that depends on something financial operations have historically lacked: connected, trustworthy data.
But for finance teams, much of the underlying workflow remained fragmented.
Vendor information lived in one place. Approvals happened somewhere else. Payments moved through bank portals and files. Status had to be tracked down. Bank activity came back later for reconciliation.
I saw an opportunity to connect those pieces differently.
Not by replacing the bank. And not by giving finance teams another payment portal.
By connecting the ERP where the financial decision is made directly to the bank that executes it.
Because the future isn't just about moving money faster. It's about connecting the decisions, controls and outcomes behind every transaction—creating the foundation for more intelligent financial operations.
“After more than 30 years building financial products across banks and fintechs, I believed there was a better way.”
- Lori Burns, Founder and CEO
RUBYFIVE began with a problem I had seen from both sides: businesses make financial decisions inside their ERP, but too often have to leave it to actually move and manage their money.
Your cash. Your decision. Your bank.
WHAT WE BELIEVE
01
Your vendors provide the information needed to receive payment. Your business decides how and when to pay them.
THE BUSINESS CONTROLS THE PAYMENT
02
Modernizing treasury shouldn't mean replacing trusted banking relationships. RUBYFIVE brings your bank’s capabilities directly into the ERP workflows your finance team already uses.
YOUR BANK REMAINS YOUR BANK
03
Payment security starts before money moves. Vendor verification, trusted banking information and approvals belong inside the ERP workflow — before payment instructions reach the bank.
CONTROL BELONGS UPSTREAM
Control before money moves. Certainty after it does.
Experienced enough to know what matters. Curious enough to question how it's always been done.
HOW WE BUILD
RUBYFIVE is being built by people who have spent their careers inside banking, payments, enterprise software and financial technology.
We believe the best products come from understanding the people who actually use them. That means listening closely to finance teams and banks, questioning assumptions, solving the difficult operational details and building with the people who will ultimately depend on what we create.
We're building RUBYFIVE the same way we want the product to work: with trust, collaboration and a clear understanding of who is responsible for what.
SEE RUBYFIVE IN ACTION
See how RUBYFIVE connects your ERP to the banks you already use.