Developers

APIs for real-time business banking and stablecoin payments.

Create businesses, issue account details, launch payment links, settle into stablecoin balances, move funds, issue virtual cards, and listen to events from one API surface.

Request API access Open dashboard

Business onboardingPayment linksAccounts and cardsAgentic Commerce API

POST /v1/businesses
POST /v1/accounts
POST /v1/payment-links
POST /v1/transfers
POST /v1/cards

webhook: payment.settled
webhook: balance.available
webhook: card.authorization

Webhook

Funds available

API-first

One money graph

Create business

Collect business identity, controller details, compliance documents, and product configuration.

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Open account

Provision account/routing numbers, USD balance, USDC wallet, rtUSD balance, and virtual accounts.

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Accept and settle

Create checkout sessions, payment links, bank-transfer payments, NFT checkout, and card checkout.

API modules

Everything your engineering team needs to wire RT into the product.

Use one clean API model for onboarding, accounts, payment acceptance, settlement, transfers, cards, webhooks, and reconciliation across the RT platform.

Onboarding API

Business applications, owners, KYB status, required documents, account approval, and risk configuration.

Accounts API

USD account details, virtual accounts, wallet balances, rtUSD and USDC conversion, statements, and reserves.

Payments API

Payment links, bank-transfer checkout, card checkout, NFT checkout, refunds, disputes, and reconciliation.

Transfers and cards API

Standard ACH, RTP instant payouts, wires, Base transfers, virtual card issuance, spend controls, and authorization webhooks.

Agentic Commerce API

New

Agent-payable checkout sessions, quotes, scoped spending authority, stablecoin settlement, single-use virtual card fallback, and signed receipts. Jump to reference →

Agentic Commerce API New

Accept AI assistant-driven purchases with two calls.

Create an agent-payable checkout session, hand the agent a quote, and RT settles it in dollar-denominated stablecoin — or with a single-use virtual card when stablecoin is not available. Every payment carries a signed receipt and standard webhook events.

Merchant: accept an agent purchase

POST /v1/agent-checkout/sessions
{
  "reference": "order_88213",
  "amount": 3840,
  "currency": "usd",
  "methods": ["stablecoin", "card"],
  "items": [{ "sku": "AC-201", "qty": 2 }],
  "agent_readable": true
}

-> 201 { "id": "acs_9fJ2", "quote_url": "...",
         "expires_in": 900 }

POST /v1/agent-checkout/sessions/acs_9fJ2/confirm

-> 200 { "status": "settled",
         "route": "stablecoin",
         "settled_to": "business_balance",
         "receipt": "rcpt_2Kd8" }

Business: scoped agent authority & events

POST /v1/agent-permissions
{
  "assistant": "claude",
  "profile": "procurement",
  "per_order_cap": 1000000,
  "monthly_cap": 7500000,
  "categories": ["inventory","software","logistics"],
  "approved_suppliers": ["sup_4Kc2","sup_9Hq7"],
  "expires_at": "2026-09-30"
}

DELETE /v1/agent-permissions/{id}   # kill switch

webhook: agent.purchase.requested
webhook: agent.purchase.approved
webhook: agent.purchase.declined   # over cap
webhook: agent.payment.settled
webhook: agent.permission.revoked

Method selection on links

Payment links and invoices accept a methods array: bank transfer, NFT, card, and agentic commerce stablecoin checkout.

Credentials never leave RT

Agents receive a scoped, revocable permission — never a card number or account credential. RT enforces caps at authorization time.

WordPress plugin

Enable Agentic commerce acceptance in RT plugin settings, publish an agent-readable product and price feed, and keep your existing order and fulfillment flow.

Plugin settings in dashboard →