One integration gives Rain's partners a trustworthy agentic payment solution that provides their users with built-in controls for inbound and outbound payments around the world
Key facts
- What is new: Rain Agent Vaults put a funded balance, spend controls, and Rain-issued scoped cards inside an AI agent, so the agent can get paid, spend, and pay out.
- How users fund it: Users add funds quickly however they want: bank account (ACH, Fedwire, FedNow, SEPA, FPS, and more), cards, or stablecoins. Money must be in the vault before any card is issued against it. At checkout there is one card transaction, a scoped card paying the merchant from the vault.
- How the agent pays: Agents will be used to pay people and other agents, make purchases, initiate micropayments for API calls, and more. Agent Vaults let agents move money as easily as humans, while giving them the same discretion, logic, and rules.
- Trust at its foundation: As a Visa and Mastercard Principal Member, Rain Agent Vaults enable both Visa Intelligent Commerce and Mastercard Agent Pay, which signal the user's intent and consent.
- Your brand throughout: Developers embed the payment experience directly into their agents, so Rain's partners keep the relationship with the user while payments work as expected.
NEW YORK, Nov. 10, 2026 /PRNewswire/ -- Rain, the global payments platform for human and agentic transactions, today introduced Rain Agent Vaults, embedded payment infrastructure that lets an AI agent spend, receive, and send money from a balance its owner funds, within rules the owner sets. A vault is funded by bank transfer, card, or stablecoins, and the agent can only pay or send what is in it. Rain issues a scoped card for each purchase, accepted at 175 million merchant locations in 200 countries and territories, and agents can send funds to local bank accounts in more than 80 countries.
Today, AI agents can search, compare, and shop, but paying remains a significant challenge. The options available to the companies building them have been a raw card number, which is a standing permission with no limit on what it can be used for, or a third-party wallet, which puts another company's login inside their app, that company's name on their users' statements, and one limit on the whole balance, set in that company's app. Companies enabling agentic experiences want their users to fund a balance once and never be asked again, and they want the relationship, the brand, and the payment to stay in their own product.
"People want to use AI agents that can move money as freely as humans do. An agent that can search for a new pair of shoes but cannot pay for them is not doing its job," said Farooq Malik, CEO and co-founder of Rain. "With Rain Agent Vaults, developers can build embedded payment solutions directly into their agents, giving businesses and consumers the ability to load a balance, set rules, and allow agents to pay in a trusted fashion. All of this is available in a single integration while the user, the rules, and the balance sit with the partner that built the agent."
How Rain Agent Vaults work
Rain Agent Vaults are built for business and consumer use cases. Rain partners can embed agent vaults within their own apps and platforms, maintaining their own branding and customer relationship. A business can then fund an agent vault from its business bank account, enabling payouts to more than 80 countries around the world once specific rules and circumstances are met. Alternatively, a consumer can load funds directly into the agent vault from their card, set the rules, and a Rain-issued scoped card is created inside those rules for each purchase. The card information is then retired, preventing overspending.
For example, a bakery owner moves $5,000 into her bakery's vault, sets the rules so the agent may only pay suppliers and must ask her above $1,500, and leaves for the weekend. On Saturday the agent sees a run of orders for the week ahead and gets a card for $640 to buy 20 bags of flour from the mill. On Monday a catering order comes in and the agent gets a second card for $800 for 25 bags more. Both are suppliers, both are under her limit, and both go through. When the agent finds a mixer for $2,400, equipment is outside the rules, so the purchase is held for her to approve even though the money is in the vault.
Rain Agent Vaults build on the company's Agent Control Layer and scoped cards, which Rain partners already use to give agents real-world spending power. Rain started with stablecoin-powered cards and has grown into a full-stack platform where partners issue cards, run wallets, move money, and settle across card and blockchain networks through one integration. Every product a partner adds works with the ones they already run, so a balance that arrives by bank transfer can be spent by an agent on a card and paid out to a bank account in another country without a second vendor. Rain is a founding member of the Agentic Payments Alliance. Rain is enabling its programs for Visa Intelligent Commerce and Mastercard Agent Pay, so a scoped card issued from a vault will carry the networks' agent credential, which signals the user's consent to the merchant and the issuer, alongside the rules the partner set.
Availability
Rain is partnering with leading agent developers, marketplaces, and payment platforms on Agent Vaults. To learn more about Rain Agent Vaults, contact [email protected].
Frequently asked questions
What are Rain Agent Vaults? Rain Agent Vaults are embedded payment infrastructure for AI agents. A partner builds the agent; Rain gives it the ability to get paid, spend, and send money inside the partner's own application, under the partner's brand. The owner funds a vault and sets the rules once, and the agent reaches the money only through a scoped card or a send rule that Rain enforces.
How do Rain Agent Vaults let an agent pay? The agent pays with a scoped card: a virtual Visa or Mastercard card issued from the vault for one job, with its amount, merchant, and expiry fixed at issuance and checked by Rain at authorization. It works at any merchant that accepts Visa or Mastercard, so the merchant changes nothing. Rain also supports Visa Intelligent Commerce and Mastercard Agent Pay, so cards will also carry the networks' agent credential, which signals the user's consent to the merchant and the issuer alongside the partner's rules.
Can an agent spend more than I allow? No. Agents that use Rain Agent Vaults can only make a payment that falls within the rules provided by the user. Using Rain's Agent Control Layer, users have more control over the parameters that will allow the agent to spend the balance. The agent cannot raise its own limit, and a single-use card stops working after one approved purchase.
Who owns the wallet when an AI agent pays? With Rain Agent Vaults, the company that built the agent does. Users sign up with the partner, the vault lives in the partner's app, and the partner's name is on every statement. Rain provides the technology underneath and never appears to the user. That is the difference from a third-party wallet, where the user logs in to another company inside the agent, that company's name appears on the statement, and the activity earns for the wallet provider rather than the partner's program.
Do users need to buy stablecoins to use Rain Agent Vaults? No. A user adds money from a bank account or a card. The funds are held as stablecoins in a non-custodial wallet, and Rain settles with the card networks in stablecoins, so users never have to think about what is underneath. Users who already hold stablecoins can send them straight into the vault.
Who can use Rain Agent Vaults? Companies and developers building agents that need the ability to spend money can use Rain Agent Vaults. Contact [email protected] for more information.
About Rain
Rain is the global stablecoin payments platform for enterprises, neobanks, platforms, developers, and AI agents. Our technology allows partners to move, store, and use stablecoins instantly and compliantly through global payment cards, rewards, on/offramps, wallets, and cross-border rails. As both a Visa and Mastercard Principal Member, Rain issues cards that work at more than 175 million merchant locations in over 220 countries and territories. Built natively for stablecoins and trusted by more than 100 organizations worldwide, Rain delivers secure, scalable infrastructure that makes money move freely and instantly around the world.
Media contact: [email protected]
SOURCE Rain
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