Agents that can pay.
With rules you control.

ACH and wire payments built for AI agents. Spend limits, human approval queues, and agent identity — out of the box.

app.bankrails.ai/dashboard

Auto-approved · $47.20

Awaiting approval · $4,800

7 active agents

$4,250 available

The problem

Your agents can do everything.
Except pay.

AI agents can research, write, negotiate, and execute complex workflows autonomously. Then they need to pay a vendor. A contractor. An API. A claimant. And they're stuck.

Agent completes the task

Finds the vendor, negotiates the contract, submits the order. All autonomous.

Payment is required

$47 to AWS. $4,800 to a claimant. $12 to an API provider. Real money, real counterparties.

✗

Everything stops

No payment infrastructure exists for agents. You're back to manual. The autonomous workflow breaks.

🤖

Procurement Agent

Found vendor · Negotiated price

DONE

↓

📋

Order submitted

PO #4821 · $750 due

DONE

↓

💸

Payment required

ACH · Vendor Corp LLC

BLOCKED

↓

👤

Manual intervention

Human opens banking portal. Copies account number. Clicks submit.

NOT AUTONOMOUS

Up and running

First payment in 5 minutes.

Three API calls and your agent is sending real money with real guardrails. No compliance rabbit holes. No weeks-long integration.

Register your agent

Give your agent an identity and set its spend limits. Name it, define its daily cap, set the auto-approve threshold.

~30 seconds

Fund your wallet

ACH transfer from your business bank. Funds are available immediately for agent use. Set a monthly budget cap.

1–2 business days (ACH)

Start sending

Your agent calls the payments API. Under threshold: auto-approved. Over threshold: you get a notification and one-tap approve or reject.

First payment in minutes

bankrails-quickstart.sh

# 1. Register your agent
POST /v1/agents
{
  "name": "procurement-agent",
  "daily_limit": 500,
  "auto_approve_under": 100
}

# Response
{ "agent_id": "agt_8kx29...", "status": "active" }

# 2. Send a payment
POST /v1/payments
{
  "agent_id": "agt_8kx29...",
  "amount": 47.20,
  "to": { "routing": "021000021",
          "account": "4821..." },
  "memo": "AWS invoice #INV-8821"
}

# Auto-approved (under threshold)
{ "status": "approved", "txn_id": "txn_..." }

Use cases

Built for how agents actually work.

Three core payment flows, ready out of the box. Wire up the one you need, add the others as your agents mature.

💳

Prepaid Agent Wallet

Fund a wallet and let your agents spend autonomously under a threshold. No human in the loop for routine payments.

AWS, Vercel, Render infrastructure costs

API subscriptions and data purchases

Small vendor payments under $100

⚡

Human Approval Flow

Large or flagged payments pause for your review. One tap to approve or reject — from your phone, no banking portal required.

Insurance claim disbursements

Large vendor or contractor payments

First-time payees or unusual amounts

🤖

Agent-to-Agent Payment

One agent delegates a task and pays another agent to complete it. The foundation for autonomous multi-agent workflows.

Orchestrator pays specialist sub-agents

Task completion bounties

Inter-agent service payments

Why not crypto

Every other solution is crypto. We're not.

Coinbase, Circle, Stripe — every agentic payments company building right now is betting on stablecoins and crypto rails. That's a fine bet for crypto-native workflows. It's the wrong bet for the real world.

🏦

Your counterparties won't touch it

Vendors, contractors, insurers, employees, and service providers work in dollars. Crypto settlement requires conversion, compliance workarounds, and counterparty buy-in you won't get. ACH just works.

↩️

Agents make mistakes. ACH is reversible.

When your agent sends $4,800 to the wrong account, you need a way back. Crypto transactions are final. ACH has a return window. That matters when machines are making payment decisions.

📋

Compliance wants dollars, not tokens

ACH transactions are auditable, 1099-reportable, and already inside your company's financial systems. Crypto adds regulatory complexity that most finance teams will simply reject.

⚡

No gas. No wallets. No conversion.

Crypto rails mean gas fees, wallet management, slippage, and USD conversion at the end anyway. BankRails moves dollars as dollars. Your agents don't need a crypto wallet to pay a vendor.

Every other agentic payments company is building on crypto rails:

Feature

Crypto Rails

✓ BankRails (ACH)

Vendor acceptance

Rarely

Universal

Reversible payments

Yes

Compliance / audit

Complex

Built-in

Enterprise ready

Rarely

Yes

Gas fees

Variable / high

None

USD settlement

Conversion needed

Native

The product

A dashboard built for operators.

Everything you need to manage agent payments — wallet, approvals, agent registry, spend rules, and a full transaction ledger.

app.bankrails.ai/dashboard

app.bankrails.ai/approvals

app.bankrails.ai/agents

app.bankrails.ai/transactions

app.bankrails.ai/spend-rules

Trust layer

Identity and controls at every level.

Payments are only as good as the controls around them. BankRails builds trust into the infrastructure, not on top of it.

🪪

Agent Identity

Every agent gets a persistent identity and payment credential. Payments are cryptographically tied to the agent that initiated them.

⭐

Reputation Scoring

Agents build a trust score over time. Higher scores unlock higher auto-approve limits. New agents start conservative.

⚙️

Per-Agent Spend Rules

Set different limits for different agents. Your insurance bot has different needs than your dev agent. Configure each independently.

🔔

Human Approval Queue

Anything over your threshold lands in your queue. One tap to approve or reject — from anywhere. The loop never breaks without your decision.

📋

Full Audit Trail

Every transaction is logged with agent context, approval chain, and timestamp. Searchable, exportable, and compliance-ready.

🛡️

Threshold-Based KYC

Under $500: email only. Over $3k: full KYC. No SSN required at low volumes. Scale compliance with scale of payment.

Why we built this

We needed this. It didn't exist. So we built it.

We were running AI agents across a portfolio of companies — procurement bots, insurance claim processors, research agents. Every single one hit the same wall. The agent finished the job. Then someone had to manually log into a bank portal to complete the payment. The promise of autonomous workflows broke at the last mile. BankRails is what we built to fix it.

Agents that can pay.
With rules you control.