The stablecoin-first neobank for businesses and people.
Global USD accounts in your name
Global USD accounts for businesses and people, with US account and routing details in your name, USD receipts by ACH or wire, and a connection to your USDC balance.
Accounts, USDC spending and merchant acceptance: direct payments, optional x402 support and single-use agent cards.
Available to eligible individuals and businesses in supported countries.
Sample data
A complete money stack, not a single feature.
Hold balances, accept payments every way customers pay, spend with cards, and move money out — all in one account that settles at stablecoin speed.
Agent Pay for Business
NewCustomer-authorized AI spending from your RT.APP account or wallet, through direct USDC payments or optional x402 support.
See business agent pay →RT Agent Checkout
NewUSDC acceptance for people and authorized AI agents, with optional x402 support for compatible clients to request and pay for merchant offerings.
Accept agent payments →Agentic Commerce API
NewMerchant tools for direct USDC acceptance and optional x402 support, connecting compatible AI clients with payment requirements.
Explore commerce development →Global USD accounts
US account and routing details in your name, connecting USD payments with your USDC balance.
Explore accounts →Stablecoin account
Hold and settle in rtUSD and USDC with full transaction records, availability controls, and instant movement on Base.
See stablecoin account →Bank-transfer checkout
Account-linked checkout with instant bank validation and immediate stablecoin settlement on lower-cost rails.
Explore checkout →Online & card payments
Card, Apple Pay, Google Pay, and wallet checkout with multi-provider routing, fallback recovery, and acceptance optimization.
Explore payments →NFT checkout
Let your business or creators sell NFTs, such as digital art, collectibles, passes, and memberships. RT handles the contract and checkout; you settle in stablecoin.
Explore NFT checkout →Cards & spend
Issue virtual debit cards for your team and vendors with limits, controls, and stablecoin-backed spend on issuing infrastructure.
See cards →Receive USD. Connect it to USDC.
USD payments convert to USDC after bank clearance. Send USDC out as USD through supported ACH and wire payouts.
Account and routing numbers
Receive USD payments through US account and routing details issued in your name.
See business banking →USD to USDC
Incoming USD converts to USDC after bank clearance, connecting familiar payment rails to your stablecoin balance.
Understand rtUSD →Visa virtual card spend
Use settled balances through Visa virtual cards for vendors, subscriptions, teams, travel, ads, and one-time purchases with limits and approvals tied to the account.
Explore cards →One operating account for bank rails, stablecoins, and cards.
Businesses can accept bank-transfer checkout, receive account transfers, move settled funds to other bank accounts, send USDC on Base, convert through rtUSD, and spend by Visa virtual card without leaving the RT workflow.
Built for businesses, not just crypto spending.
Crypto cards help teams spend balances. RT helps businesses receive revenue, accept payments, control settlement, issue cards, authorize AI procurement, and keep every movement tied to reporting.
A business account that settles in seconds, not days.
Open a business operating account with account and routing numbers, hold multiple balances, move money instantly, and let approved company AI assistants pay suppliers inside your rules. Your treasury, payments, cards, and AI-driven procurement live in the same place.
- ✓ Own account & routing numbers plus virtual accounts for separating funds
- ✓ Hold USD, USDC, and rtUSD with stablecoin-native settlement
- ✓ Pending, available, held, and reserved balances with clear availability controls
- ✓ 30 included standard ACH transfers each month from stablecoin balances to bank accounts or between business accounts
- ✓ RTP instant payouts to other banks when speed matters — 1% fee with a $10 minimum
- ✓ Wire-capable movement, plus instant transfers on Base 24/7
- ✓ Free rtUSD ↔ USDC conversion and standard payouts inside RT
- ✓ Agent Pay permissions for business AI assistants: approved suppliers, category budgets, purchase caps, approval rules, and kill switch
Your money. Authorized spending. USDC acceptance.
Customer-authorized AI spending from an RT.APP account or wallet, through direct USDC payments or optional x402 support. Merchant acceptance for people and authorized AI agents, with x402 connecting compatible clients to payment requirements.
Direct USDC
Authorize direct USDC payments. Accept USDC from people and authorized agents without requiring x402.
x402-enabled USDC
Compatible AI clients request a merchant’s service, receive its payment requirements and pay in USDC within the customer’s authorization.
Single-use agent cards
Single-use cards for authorized purchases at supported card checkouts.
A slice of every business payout, locked to your Face ID. Not even we can open it.
Opt-in self-custody protection for business owners: choose a slice of eligible payouts to move into an on-chain vault only you control. No seed phrases, no crypto vocabulary. Two Face ID taps.
Key created on your phone, never touches our servers. Passkey backup means a lost phone is not lost money.
Vault contracts have no admin functions and no upgrade path. Audited, then frozen.
Open-source and content-addressed. Your vault keeps working even if RT disappeared.
Every business account is verified before a vault exists.
One checkout for bank transfer, cards, links, agents, and NFTs.
Accept how your customers want to pay and settle into stablecoin with order-level reconciliation. No separate systems to stitch together.
- ✓ Bank-transfer checkout with instant bank validation and immediate stablecoin settlement
- ✓ Online and card-like checkout — card, Apple Pay, Google Pay, and wallets
- ✓ Hosted payment links, invoices, and WordPress checkout
- ✓ NFT checkout: businesses and creators sell NFTs; you settle in stablecoin
- ✓ USDC acceptance from people and authorized AI agents, with optional x402 support
- ✓ Multi-provider routing, fallback recovery, and AI risk monitoring
Money that's good and cleared — then instantly usable.
RT validates, clears, and settles into your stablecoin balance, then lets you spend, send, or off-ramp the moment funds are available.
Accept
Customer pays by bank transfer, card, link, agent checkout, or NFT checkout.
Validate
Instant bank validation and AI risk controls screen every payment.
Settle
Funds settle into your rtUSD balance with order-level reconciliation.
Use
Spend on cards, send globally, or off-ramp once good and cleared.
Simple plans that scale with your business.
Start with a serious operating account and upgrade as volume, cards, and checkout needs scale. No hidden FX games on stablecoin settlement.
Starter
For businesses getting set up with real-time money movement.
- ✓ Business & stablecoin account
- ✓ Bank-transfer checkout
- ✓ 2 virtual cards
- ✓ 30 free standard ACH transfers/month
- ✓ Free rtUSD ↔ USDC conversion
Growth
PopularFor scaling teams with multiple checkout methods.
- ✓ Everything in Starter
- ✓ Online, card & NFT checkout
- ✓ Unlimited cards & spend controls
- ✓ Business reporting & analytics
- ✓ RTP instant payouts available at 1%, $10 minimum
Scale
For high-volume platforms.
- ✓ Everything in Growth
- ✓ Volume settlement pricing
- ✓ Dedicated routing & risk tuning
- ✓ Priority support & SLAs