Ralio provides a secure, programmable payment layer that adds identity verification, spending limits, and audit trails for AI agents handling financial transactions.
Funding
Funding not disclosed
Founders
Product
Problem
AI agents that initiate financial transactions often operate without spending limits, verification, or auditability, exposing businesses to unauthorized payments, compliance risks, and lack of traceability.
Solution
Ralio offers a programmable payment layer that sits between AI agents and existing payment APIs, enforcing rule‑based spend limits, identity verification, and detailed transaction provenance. The platform integrates with common banking and card networks as well as stablecoin protocols, allowing agents to execute payments securely while adhering to predefined policies. Each transaction is recorded with full audit metadata, enabling businesses to trace which agent and workflow triggered the payment and to demonstrate compliance. By providing these guardrails, Ralio enables companies to automate spend, payroll, treasury, and custom payment workflows without sacrificing control or oversight.
Target Audience
Primary customers are enterprises and fintech firms that deploy AI agents for automated spend, payroll, treasury, or custom payment processes and require strict financial controls and compliance.
Features
- Configurable spend limits (per‑transaction, daily, soft caps) applied to AI agents
- Agent identity verification to ensure only authorized bots can initiate payments
- Comprehensive audit trail capturing agent ID, workflow context, and rule set for every transaction
- Seamless integration with bank accounts (FPS, BACS, SEPA), card networks (Visa, Mastercard, Amex), and stablecoin platforms (EURC, USDT, USDC)
- Ralio Wallet for instant payments and unified fund management
- API‑first design that plugs into existing payment providers and enterprise systems