Introducing Rain Agent Vaults: Embedded Payments for AI Agents
Today we're introducing Rain Agent Vaults, giving any company the ability to embed agentic payments directly into its application, under its own brand.
Rain Agent Vaults are a secure place where AI agents can receive, spend, and send money, with built-in controls.
As agents take on more work for people and businesses, payments will become an increasingly important part of how applications operate. Shopping apps will let agents make purchases. Banking apps will let them pay bills and move money. B2B platforms will let them pay suppliers.
Each of these applications will need different payment capabilities.
Agent Vaults bring together funding, wallets, card issuing, bank payouts, stablecoin transfers, and spending controls through one integration. Companies can choose the capabilities they need, while retaining their customers, their brand, and the economics of the payments their agents drive.
What is an Agent Vault?
An agent vault is a secure place inside an application where an AI agent can receive funds, make purchases, and send payments on behalf of people or businesses.
An agent vault connects the money an agent can access with the payment methods it can use, under rules established by the vault's owner.
Vaults can be owned by a user or a platform and embedded directly into an existing application. The agent can operate within the permissions it's given, without requiring the business to build the underlying payments infrastructure.
How Rain Agent Vaults work
Agent Vaults support the full flow of money, from receiving funds to spending and sending payments.
Fund: Give agents access to money
Users can fund an Agent Vault through bank transfers, payment cards, or stablecoins.
Agents can also receive payments directly into their vaults from people, businesses, and other agents. This lets agents receive money for services they perform, rather than relying exclusively on funds provided by their users.
Hold: Choose how funds are stored
Funds can be held as stablecoins in an embedded wallet or as fiat in a bank account.
Partners can select the balance structure that fits their application, whether they're launching a new agentic product or adding payment capabilities to an existing financial service.
Spend and send: Connect agents to global payment rails
Once funded, an agent can move money in several ways.
Card payments: Agents can make purchases using scoped Visa or Mastercard cards at more than 175 million merchant locations worldwide.
Bank payouts: Agents can send money to bank accounts in local currencies across more than 80 countries, with payouts supported in 50 currencies.
Stablecoin transfers: Agents can transfer stablecoins directly to people, businesses, and other agents.
These capabilities let agents transact across traditional financial systems and blockchain networks, using the payment method appropriate for each transaction.
Control: Set the rules for how agents move money
Giving agents the ability to transact requires clear limits on what they're allowed to do.
Rain's Agent Control Layer allows platforms and users to define rules governing agent payments, including how much an agent can spend, which merchants it can pay, and when a payment is permitted.
For card payments, these restrictions are built into scoped cards, which limit where, when, and how much an agent can spend. Rain enforces those rules at authorization.
For example, a business could authorize an agent to make a purchase from a specific supplier, up to an approved amount, before a set expiration date.
Partners can also establish controls for bank payouts and stablecoin transfers, including approved recipients and payment limits.
The result is an agent that can act within defined boundaries while people and businesses retain control over how their money moves.
One integration, built around your business
Every application will have different requirements for how agents receive, hold, and move money.
A shopping application might need card payments with strict spending limits. A banking application might prioritize transfers between accounts. A B2B platform might need to pay suppliers across multiple currencies.
Rain Agent Vaults let companies mix and match funding methods, balance types, and payment options to support these different experiences.
Through one integration, developers can access the infrastructure needed to manage vaults, issue cards, control spending, and move funds across payment networks and blockchains.
Built for existing payment networks and stablecoins
Rain Agent Vaults are designed to support Visa Intelligent Commerce and Mastercard Agent Pay, alongside major blockchains and stablecoins.
Wallets are secured by Turnkey, with card tokenization supported by Basis Theory.
By connecting agentic payments to established card networks, banking infrastructure, and blockchains, Rain lets companies build payment experiences without requiring merchants to adopt new payment methods.
Your brand. Your customers. Your economics.
As agents begin handling more financial activity, owning the agentic payments experience will become increasingly important.
Companies building agentic products have a choice: rely on a third-party payment experience or embed those capabilities directly into their own applications.
With third-party wallets, users may need to leave the application to approve payments. The wallet provider controls that experience, its name can appear on statements, and it earns revenue from the payments processed through its platform.
Rain Agent Vaults let companies keep that experience inside their own applications.
Your users sign up with you. Your platform controls the approval experience. Your brand appears throughout the payment journey, including your platform's name on card statements for purchases made through your program.
You also retain the economics of the payment volume your agents drive. Card purchases can generate interchange revenue for your platform, while payouts and incoming payments can generate fees you set.
The result is an agentic payments experience that strengthens your customer relationships and creates new revenue opportunities for your business.
Rain handles the underlying infrastructure.
Who are Rain Agent Vaults for?
Agentic applications building payment capabilities
AI-native applications can enable their agents to make purchases, receive funds, and send payments without building their own financial infrastructure.
Applications using third-party payment wallets
Platforms can bring payments directly into their own products, reducing reliance on external wallet experiences while retaining control of their customer relationships and economics.
Banks, fintechs, and payment platforms
Financial institutions and payment providers can add agentic capabilities to existing products, letting customers delegate purchases, transfers, and other financial activities to agents within defined limits.
Frequently asked questions
Do merchants need to accept stablecoins to receive payments from AI agents?
No. Agent Vaults let agents pay through existing card networks, including Visa and Mastercard. A merchant can accept a payment through its existing card infrastructure without needing to support stablecoins.
Can AI agents receive payments as well as make them?
Yes. Agent Vaults let agents receive payments from people, businesses, and other agents, in addition to making purchases and sending money.
Who controls what an AI agent can spend?
The user or platform can define spending rules depending on how the Agent Vault is configured. Rain enforces scoped-card restrictions at authorization, while partners can apply controls to bank payouts and stablecoin transfers.
Will payments made through Agent Vaults carry my company's brand?
Agent Vaults are embedded directly into your application, under your own brand. Your customers sign up with you, payment approvals stay within your experience, and purchases made through your card program can display your platform's name on statements.
Start building with Rain Agent Vaults
Agentic payments are becoming an important part of how people and businesses interact with software.
Rain Agent Vaults give companies the infrastructure to embed agentic payments directly into their products, under their own brand.
Your customers stay yours, and you retain the economics of the payments your agents drive.
Talk to our team to start building with Rain Agent Vaults today.
