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Todays' newsletter was crafted by us and sponsored by our friends at Ramp.

Travel and Expense spending is down 87% since the start of 2020. But companies are still paying for pricey travel expense software.

Earlier this week, Ramp launched Ramp Reimbursements. It's a free and easy-to-use spend-management software.

Since first launching on Product Hunt in February, Ramp has quietly become the fastest growing spend management platform in America. 🤯

On top of reimbursements, it:

💸 Identifies and cuts wasteful spend ($100k/yr on avg)
♾️ Automates accounting, saving companies 5.4 days/mo
💵 Gives 1.5% Cashback and $175k in partner offers
🤑 Predicts future spend and includes control through Slack
✅ Is run by engineers and former founders

With Ramp you can replace your corporate card or time-consuming expense management tool and put the savings back into your company.

“Most companies in Silicon Valley are quite wasteful with their spending, however, without access to the corporate card, it is difficult to enact change. The Ramp team has the perfect DNA to create the card that smart CFOs use, as opposed to creating a card whose main value proposition is its points and cafe menu.” – Keith Rabois, Founders Fund

Some early reactions from the Product Hunt community:

"Having visibility is very valuable to keep understanding our burn rate and identifying wasteful spend. Ramp is amazing!" - Deepak

"Would you rather get 1% or so of cashback with Amex or 5%+ with Ramp? Easy decision." - Nick

"It’s a big deal for us to be able to fully move off Tallie and consolidate everything. Our month-end close is so much more smooth." - Alex

As a thank you to the Product Hunt community, for the next 72 hours, Ramp is exclusively offering a $500 welcome bonus.

Yesterday, Bitcoin broke above $20,000 taking its gains to date “to more than 180%.” So... is it too late to get into Bitcoin? We turned to our most trusted financial advisors: our Twitter community. Here are their thoughts:

“Nope it’s never too late to get into Bitcoin.” - Prince

“I feel like Bitcoin is too complicated for the average person.” - Heidi

“It's a bit dead but [...] there's always a downhill cycle so wait for it to come down.” - Maëva

Bitcoin isn’t the only buzz. Cryptocurrency has gained quite a bit of media presence in the past few weeks, with companies like Facebook, PayPal, and American Express expanding their offerings. While Kitty Coin is still in the works (joking...kind of), here are some products that can help you navigate or enhance your cryptocurrency experiments:

Amber - claims to be “bitcoin on autopilot” to provide accessible and intelligent investing.

Wrabbit - real time forecasts and AI-supported analytics for more than 150 crypto markets.

CoinLobster - shows stats from the leading futures markets (liquidations, recent large trades, funding rates and more).

Sovryn - a decentralized application allowing users to trade Bitcoin on Layer 2.

Chainwire - a crypto focused newswire and for broadcasting cryptocurrency and blockchain news.

NOBI - a bank-like services to grow crypto, for new and advanced traders.

Argent - crypto's first one tap app to earn and invest.

2020 has been the year of the virtual meeting. With many companies switching into a remote-first work policy and events going virtual, people needed a way to spice up their Zoom calls. Cue digital avatars.

Avatars aren’t something new, but they definitely made a mark this year. We had Genies open up their 3D avatars to everyday users and earlier this week, Roblox announced it would buy digital avatar startup Loom.ai.

If you missed the avatar train, here are 5 trending picks from this year:

1. Hyprmeet for Zoom & OBS is an avatar video chat app for Zoom and OBS. It uses facial mocap technology, for users to can create and animate personalized avatars.

2. Spatial allows you to create life-like avatars in VR/AR. Join virtual rooms from the web or in Oculus Quest, HoloLens, and MagicLeap.

3. LoomieLive lets users create their own branded Loomie (3D avatar) for Zoom calls or other videos (these were the humans acquired by Roblox).

4. AI Avatars is currently in beta but claims to be the world's first photorealistic, emotive and intelligent AI Avatar Studio where users can 'seed' their avatar with intelligence and own the underlying asset through NFTs.

5. Chudo Virtual Spaces is a social platform where users can use their avatar to play games, meet friends, study, or party.

Test out your avatar at your virtual holiday party this year. 👀

Instead of giving the gift of WOW this year, give the gift of WTF. There are tons of hilariously crafted products and services that will make your recipient scratch their head or murmur an awkward thanks.

Here’s a list of eye-brow worthy products for last-minute gifting:

Founder Prayers - set of 4 prayer candles of your favorite tech icons. Some say sacrilegious, others say a ray of hope for your launch.

Framed Tweets - frame a tweet that started a Twitter fire.

GIFwrap - high-quality, glossy, and flat wrapping paper full of memes.

Musk on Mars - instead of gifting a lottery ticket, reserve a day you think Elon Musk will land on Mars.

Goat 2 Meeting - Surprise the office by inviting a real goat (or llama) to your next video call.

Burrito Pop - described as “not quite a burrito thermos, or a burrito condom, or a burrito elevator, but all of the above at the same time.” - Gizmodo

WonderSpray - a portable butt shower to enhance your bathroom experience.

Meow - a novel written for cats by cats. Gift your furry pal a book of self discovery.

Tesla Tequila - we heard you can still get it on eBay for a cool $1K or place a bid for the empty bottle at $650.

If you’re looking for other funny gifts or just need a laugh, scroll through other WTF products. Or check out the gift guide we released on Friday.

As an interesting start to Monday morning, Google services briefly paused (i.e., stopped working, causing mass Twitter pandemonium). Although services are slowly coming back online, it’s a stark reminder of how much people, large organizations, and industries depend on their services.

If you’re looking to diversify your applications or curious about other tooling options out there, check out these alternatives:

Alternative to Google Docs: Archbee 2.0
This product is an all-in-one documentation tool that can host team wikis, developer guides, API documentation, document collaboration, and more. Try it out for free.

Alternative to Google Slides: Pitch
Used by more than 25K teams, Pitch is a presentation software that allows teams to collaborate in real-time. Users can try their Starter pack for free.

Alternative to Google Sheets: JotForm Tables
Designed as an online database tool, JotForm allows teams to easily manage their data while syncing online forms into no-code workspaces. JotForm is currently offering savings for users to upgrade.

Alternative to Gmail: Hey
An offshoot of Basecamp, the Hey team is looking to reinvent how we interact with our inboxes by automating and categorizing emails for better readability. Start a trial and get your own @hey account.

Alternative to YouTube: Wacht.tv 
Wacht.tv is a music video discovery platform that describes itself as Reddit meets MTV.

Alternative to Google Maps: Wanderlog
Users can build, organize, and map their itineraries even while offline.

The holidays are fast approaching and there are so many things to celebrate: Hanukkah, Christmas, Kwanzaa, Festivus, or just feeling #blessed to get through 2020.

We asked our team members and the community what’s on their wish lists this holiday season. With so many things launched this year, it's hard to pick. Here’s what the Product Hunt team chose:

👾 Emily & Jake’s pick: Wireless VR headset by Oculus Quest 2.

🎮 Aaron’s pick: Intense gaming with PS5.

🍵 Dan’s pick: Temperature-Controlled Ceramic Mug by Ember.

🎶 Gabe’s pick: Live music performances at home with Oda.

🥊 Chantelle’s pick: Fitness gaming with Quell.

🚰 Jacq’s pick: A self-cleaning water bottle called LARQ.

Make sure to check your list twice this weekend as shipping cut-off dates loom. If you're still stumped, here are a couple of other ideas for gifting (or treating yourself):

Super Mario Bros. Game & Watch - the OG handheld system is back.

Raspberry Pi 400 - a portable keyboard with a complete built-in computer.

Google Nest Audio - all new smart speakers from Google.

Apple Watch SE - the new, more affordable watch from Apple.

Sleepbuds 2 by Bose - headphones that are optimized for sleeping.

Gift a Business with Shopify in their Exchange Marketplace.

Petcube Cam - is a smart camera for your pet with a built-in vet chat.

Have an item in mind that didn’t make the list? Let community members know in the discussion board. 👇

Today’s Daily Digest was crafted by us and sponsored by our friends at Masterworks.

There is more than one way to invest your money these days: stocks, real estate, crypto, sneakers. But, New York fintech startup Masterworks wants you to think about another kind of investing: blue-chip artwork.

No longer a commodity for the ultra-rich, Masterwork wants to democratize art investments by having users invest in history. Although this might not seem like traditional investing, their team just posted a jaw-dropping 32% annualized return to their investors (net of fees).

Launched in 2017, Masterworks is the first art investment platform that lets you to invest in iconic, multi-million dollar artwork. Blue-chip art is one of the oldest and largest asset classes, and has outperformed the S&P by over 180% from 2000-2018. Masterworks’ unique platform makes trading shares in masterpieces (Banksy and Kaws to name a few) as easy as trading stocks.

With the global art market projected to grow from $1.7T to $2.6T over the next six years, the opportunity to use technology to give access to everyone—not just the ultra-wealthy—is massive.

Having helped over 100,000 registered investors gain access to top-tier art investments, Masterworks is pleased to announce that Product Hunt subscribers can skip their 25,000 waitlist (conditions apply).

This week everyone is talking about IPOs with both DoorDash and Airbnb debuting this week.

As the largest restaurant delivery provider in the U.S. DoorDash has beaten off stiff competition from rivals like UberEats and Postmates, in the battle of the delivery giants.

Airbnb is the other highly anticipated IPO as financial analysts mull over its future in the era of COVID and government regulations. Regardless, Airbnb has always been a source of inspiration for community members, and even has its own dedicated topic.

Tis’ the season of Tech IPOs as C3.ai (enterprise AI) will also debut, with Wish (e-commerce) following next week. We’ve also heard rumblings that Affirm (buy now, pay later) and Roblox (gaming) are also poised to go public, with dates unconfirmed.

If your 2020 Wrapped by Spotify is starting to look a little predictable, Wacht.tv can help you find new music outside of your bubble.

Wacht.tv is a music video discovery platform that encourages users to explore different genres of music on a whim. Giving us serious Reddit vibes, this product provides users with an infinite scroll of music videos to interact with.

“Finding good music videos these days is kinda like playing whack a mole, you randomly start clicking around and if your lucky you find something good. I wanted to reduce the randomness by creating a dedicated space for one of my favorite types of video content.” - Joel Loyol, Maker.

Users can filter by genre, release date, and format, or allow a happy coincidence to happen by landing on a random video. It’s the kind of music rabbit hole we can get behind.

While you're on your musical quest, perhaps you'll consider investing in the AirPod Max - Apple's new over the ear headphones. 👀