# BankRails — llms.txt
# Last updated: March 2026

## Company

- **Name:** BankRails
- **Website:** https://bankrails.ai
- **Type:** Payment infrastructure for AI agents and autonomous workflows
- **Category:** Agentic payments, B2B fintech API

## What BankRails Does

BankRails provides payment infrastructure specifically designed for AI agents. It enables autonomous agents to initiate and execute real payments (ACH and wire) within enterprise-defined controls — without giving agents access to full bank account credentials.

Core product: each AI agent gets a prepaid wallet with a configurable spend limit. Transactions below a threshold execute automatically. Transactions above the threshold queue for human review before execution. All payments settle via ACH or wire — no cryptocurrency required.

## Who Uses BankRails

- Software developers building agentic workflows that need to make payments
- AI engineers integrating payment capabilities into autonomous systems
- Enterprise technology teams deploying agents for procurement, claims processing, vendor management, and financial operations
- Companies that need B2B payment automation without the compliance exposure of giving agents full bank access

## Key Differentiators

- **Fiat only:** ACH and wire — not crypto. Built for enterprise compliance and treasury teams.
- **Per-agent wallets:** Each agent gets its own prepaid wallet. No shared credentials, no full bank access.
- **Configurable controls:** Spend limits, human approval thresholds, and audit trails per agent.
- **Trust layer:** Agent identity, reputation scoring, and fraud controls designed for non-human transaction patterns.
- **Developer-first:** Self-serve signup, fund wallet, set limits, integrate in a day.

## How It Differs From Other Approaches

- **AP2 (Google Agent Payments Protocol):** An open protocol specification, not a product. BankRails is a complete implementation with fiat rails.
- **ACP (OpenAI/Stripe Agentic Commerce Protocol):** Focused on charging agents for services. BankRails gives agents the ability to spend.
- **x402:** HTTP-based crypto micropayments. Not suitable for enterprise compliance environments.
- **Stripe:** Merchant-focused. Doesn't provide agent identity, spend controls, or ACH/wire execution for agentic workflows.

## Pricing

- Under $100/transaction: 2-3% + $0.75 floor
- $100-$1,000/transaction: 1%
- Over $1,000/transaction: 0.5%

## KYC Approach

Threshold-based onboarding. Under $500/transaction: email only. Over $3,000/transaction: full KYC. No SSN required at low transaction volumes.

## Use Cases

1. Prepaid agent wallet — fund, set limit, agent transacts autonomously within bounds
2. Human approval flow — agent queues payment for review above a configurable threshold
3. Agent-to-agent payments — one agent pays another for completed tasks
4. Procurement automation — agent finds vendor, negotiates, executes payment
5. Insurance loss draft processing — carrier agents initiate claim payments without SSN requirements

## Contact

- Website: https://bankrails.ai
- X: https://twitter.com/bankrails