Rain Agent Vaults let a company embed a balance an AI agent can receive, spend, and send from, under that company's brand and inside its own app. The launch is for teams building agentic products, and for banks, fintechs, and payment platforms whose customers want to delegate purchases, bill pay, and supplier payouts. Agents can already search and shop, while paying has usually meant a standing card number or a third-party wallet that puts another company's name on statements. With a vault, users sign up with the partner, approvals stay in that product, the partner's name can appear on card statements, card spend can earn the platform interchange, and the partner sets fees on payouts and incoming payments. Users fund a vault by bank transfer, card, or stablecoin, and agents can also be paid by people, businesses, and other agents. Funds can sit as stablecoins in an embedded wallet or as fiat in a bank account. From there an agent pays with a scoped Visa or Mastercard card at more than 175 million merchant locations, sends local-currency bank payouts in more than 80 countries and 50 currencies, or transfers stablecoins to people, businesses, and other agents. Rain's Agent Control Layer sets the rules before money moves, including amount, merchant, timing, and approved recipients. The agent cannot spend more than the vault holds. Rain issues a scoped card for one job, with amount, merchant, and expiry fixed at issuance, and retires the card after that use. Rain is a stablecoin payments company based in New York, co-founded by Farooq Malik and Charles Yoo-Naut, and a principal member of both Visa and Mastercard. Agent Vaults combine funding, wallets, card issuing, bank payouts, stablecoin transfers, and spend controls in one integration, with support for Visa Intelligent Commerce and Mastercard Agent Pay. Wallets are secured by Turnkey, and card tokenization is handled by Basis Theory. Rain runs the payment infrastructure underneath, so the customer relationship stays with the company that built the agent.