Real-time banking and payments for businesses moving at stablecoin speed.
RT.app gives businesses account and routing numbers, stablecoin settlement, virtual cards, and every way to accept payments. RT now adds Agent Pay for Business and RT Agent Checkout so companies can safely let AI assistants pay suppliers and accept payments from AI agents.
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
NewConnect a company AI assistant to your RT business account with scoped authority, supplier allow-lists, purchase caps, approval rules, and a kill switch.
See business agent pay →RT Agent Checkout
NewLet businesses accept purchases initiated by AI agents through stablecoin checkout, payment links, API sessions, and WordPress checkout flows.
Accept agent payments →Agentic Commerce API
NewCreate agent-readable checkout sessions, signed payment requests, settlement webhooks, and checkout options for businesses selling into AI-driven buying flows.
Open agent API →Business checking
Your own account and routing numbers, virtual accounts, and statements — a business operating account experience that holds USD, USDC, and rtUSD.
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 like a bank account. Settle like stablecoins.
RT gives businesses familiar account details for incoming money and a stablecoin-native operating layer for faster settlement, spending, transfers, and reconciliation.
Account and routing numbers
Receive business funds through account details your customers and finance team already understand, while keeping virtual accounts and reporting organized inside RT.
See business banking →Stablecoin settlement
Convert slow settlement windows into clean dollar balances, USDC on Base, and rtUSD records with available, held, pending, and reserved states clearly separated.
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 AI runs procurement. RT makes every payment safe.
Connect your RT business account to the assistant you already use. Your agent gets scoped authority — never your card number, never your credentials — and RT executes every payment inside your limits, only to suppliers you've verified.
- ✓ Per-order cap, monthly cap, category budgets, approved suppliers, expiry, and kill switch
- ✓ “Keep 500 units in stock. Renew our software at the best price.” The agent requests payment from RT; it never holds money.
- ✓ Instant settlement when the supplier accepts it; single-use virtual card everywhere else
- ✓ Receipts with PO/invoice references, approvals over your cap, and one-tap kill switch
- ✓ Your agent can only pay suppliers you've added and verified — it can never add a new payee.
Claude · Inventory buyer
The assistant never gets your card number or credentials — only a revocable permission, and RT enforces your limits on every payment.
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
- ✓ RT Agent Checkout for AI assistant-driven purchases
- ✓ 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