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.

“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.”

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.

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