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Give your agents the full flow of money

An agent vault lives inside your app. People, businesses, and other agents can fund it. The vault owner sets the rules for how money moves, and the agent operates within them.

Talk to a specialist

Give your agents the full flow of money

An agent vault is where an agent gets paid, spends, and sends money, with built-in controls. A person, a business, or another agent funds it, it lives in your app, and every payment runs inside the Agent Control Layer: rules the vault owner sets and the agent follows.

Agent Control Layer

Money in

Bank account

By bank transfer, on instant rails where available

Card

A top-up in the amount the user picks

Stablecoins

From any wallet, ready to spend when they land

Paid in by people, businesses, and other agents

The agent vault

Owned by your user or your platform

The agent

Spends

On scoped cards, at 175 million merchant locations

Sends to bank accounts

In local currency, in 80+ countries

Sends stablecoins

To another agent's vault, or any wallet

Who Agent Vaults are for

Agentic applications that want to embed payments

Your users want their agents to pay for things, and today your agent cannot. You want that inside your app, under your brand, without building a payments company to get there.

Agentic applications switching from a third-party wallet

Your agent already pays through a third-party wallet that serves many platforms at once, and it takes users out of your app every time they pay. Wallets from traditional payment processors also cover only a few countries, so most of a global user base cannot use them. Embed payments that work wherever your users are to regain control of the customer relationship and improve the economics of the transaction volume your platform drives.

Payment platforms adding agentic payments

You already issue cards, wallets, or accounts, and your customers are starting to hand agents the work. You want to offer agentic payments on what you already run.

Agentic control layer

The agentic control layer is the set of rules around every agent money flow: what comes in, what the agent pays, and what it pays out. Scoped cards are the tool for paying. Each one is issued from the vault with its rules set at issuance, by you or by your user, and Rain enforces them at authorization.

How much

Per purchase, per card, per day, week, or month.

Where

One merchant, a category like travel or software, or anywhere.

Until when

An hour, a trip, a month, or a single purchase.

Who signs off

Which purchases wait for a person, and which do not.

Across the platform

Caps on active cards and total spend across all your vaults.

Hover over or tap any phrase to see the rule it sets.

“Suppliers and delivery only, up to $1,500 a week.”

“Flights and hotels, up to $600, until Friday.”

“$5 a query, and never more than $1,000 a day.”

“One supplier, one invoice, single use.”

“Anything over $500 needs my approval.”

“Software subscriptions only, up to $300 a month.”

“These three contractors only, up to $3,000 an invoice.”

“Flowers, up to $80, today only.”

“Twenty cards, one per agent, $10,000 across all of them.”

See how scoped cards work, then issue one yourself in the demo.

Explore scoped cards

Agent

Order 20 bags of flour from the mill.

Approval needed

Found them for $640. The payment has to be approved in [Wallet provider] before I can order.

You will leave this app to pay.

Approved in [Wallet provider]

Paid $640.00 to the mill. Order placed.

Opening [Wallet provider]…

You’re leaving [Your app].

Type a message

Your brand on every screen

There are two ways to put payments inside an agent: a vault inside your app, or a third-party wallet.

Your users sign up with

You

Who approves each purchase

The rules you or your user set

The statement says

Your platform’s name

Revenue tied to the payment volume your agents drive:

Every purchase earns for

Your platform, in interchange

Every payout earns for

Your platform, with fees you set

Every incoming payment earns for

Your platform, with fees you set

Every purchase your users’ agents make shows your platform’s name on the statement and earns for your platform.

Your users sign up with

The wallet provider

Who approves each purchase

The user, one purchase at a time, in the provider’s app

The statement says

The provider’s name

Revenue tied to the payment volume your agents drive:

Every purchase earns for

The provider

Every payout earns for

The provider

Every incoming payment earns for

The provider

With a third-party wallet, every purchase shows the provider’s name and earns for the provider.

Everything your agents can do with money, anywhere your users are

Rain is a Visa and Mastercard Principal Member, so your platform can offer payments to users in more than 80 markets through one integration. Rain already runs programs for partners with users in the US, Europe and the UK, Latin America, and Asia.

Vault balance

$640.00

Add $500 to the vault.

Done. The balance is $640.00 and ready to spend.

From a bank account

A bank transfer lands in the vault, on instant rails where they run.

From a card

A card top-up, in the amount the user chooses.

From stablecoins

Sent in from any wallet, and ready to spend when they land.

In the currency they hold

Users add money in US dollars, Mexican pesos, euros, and more.

Scoped cards

One per job, with the amount, merchant, and expiry set when it is issued.

Available globally

Available to users in 80+ countries, so they can spend at over 175 million merchant locations across the globe.

Approved at checkout

Rain can generate network agentic tokens for its cards, which show merchants that an agent is paying with the user’s permission.

Pay with what is there

The card pays only with what is in the vault, and the vault is funded before the card pays.

Send to local bank accounts

80+ countries across 50 currencies, in local currency.

Send to another agent’s vault

Stablecoins, onchain, in seconds.

Set send rules

Approved recipients only, with limits the owner or your platform sets.

Rain stays behind your brand

Rain provides the technology underneath and never appears to your users. They sign up with you, the vault lives in your app, and your name is on the statement, which keeps them with you.

Your users stay yours

They open the vault with you. No one else holds the relationship or the approval screen.

Your platform's name on every statement

Every purchase your users' agents make shows your platform's name.

Your platform earns on every purchase

Card spend earns interchange for your platform. Payouts and incoming payments carry fees you set.

Built for the people building the agent

One integration covers the balance, the cards, the rules, and the money going out.

Cards issued by API, with the limits set in the same call

Cards funded from the balance, with no separate step for the user

Real-time notifications for balance, authorization, and decline events

A management dashboard and a sandbox to build against before anything is live

Balances and transaction history for every user and every card

Learn more about Rain Agent Vaults

Introducing Rain Agent Vaults: Embedded Payments for AI Agents

Company news

A closer look at scoped cards

Company news

Introducing the Agent Control Layer

3D cube with a pixelated pattern in pastel pink and white colors.

Empower agents to receive, spend, and send money

Design your vault setup

See what your favorite AI has to say about Rain’s solution

Product

Wallets Card issuing Rewards Onramps Offramps Virtual accounts Payments Agent vaults Corporate cards

Solutions by Use Case

Global card programs Global access to US dollars Cross-border B2B payments Instant, spendable remittances Scoped cards Spend stablecoins like cash Branded wallet-in-a-box Premium cards for global spenders

Solutions By Industry (Coming soon)

Neobanks & fintechs

Crypto exchanges & DeFi apps

Marketplaces

Payroll

Remittances

Resources

Blog Case studies Webinars Events

Featured Blog Posts

Fiat vs stablecoin cards: the difference How Rain reduces risk Stablecoins you can actually spend

Company

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Rain is a financial technology company. Rain and its affiliates are not banks, exchanges, or asset custodians. Rain does not provide FDIC insurance or hold deposits.

Payment products are provided in partnership with licensed institutions. Cards are issued through partners licensed in their respective jurisdictions.

Debit cards offered through Rain’s program are Visa® debit cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Rain Products, Inc. is a technology company, not a bank, and serves as program manager.

Banking services are provided by SSB, Member FDIC. Funds deposited at SSB are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, subject to applicable limitations and FDIC rules.

Rewards are issued as part of Rain’s rewards program. Raindrops are loyalty rewards and are not cash, cryptocurrency, or a deposit account. Redemption options and values may vary and are subject to change. Terms apply.

"Rain", Rain logo mark and "Cover Everything" are registered trademarks of Signify Holdings, Inc.