Ralio | The trust layer for agentic business payments

AI agents can connect to a payment API and move real money

But the agents are:

Uncontrolled

No spending limits, no approval flows, and no checks that transactions align with the original instructions.

Unverified

Payment providers can't tell whether a request comes from a trusted AI agent or a compromised one.

Unaccountable

Which agent triggered it, what workflow it was running, whether any rules were in place, none of it is recorded.

Ralio fixes this with secure and programmable payment infrastructure

The safety layer between your agents and your payment rails.

Spend

AI Spend Agent
Payroll

AI Payroll Agent
Treasury

AI Treasury Agent
Your custom agent

Bring your own AI agent

Guardrails

Spend limits & rules
Identity

Agent verification
Audit

Full transaction trail

Bank Accounts

FPS · BACS · SEPA
Cards

Visa · Mastercard · Amex
Stablecoins

EURC · USDT · USDC
Ralio Wallet

Instant payments

Nothing moves until every check passes

Every payment the agent makes passes a series of independent checks, and any one of them can stop it. Step through the scenarios to see what each layer catches.

The Procurement Invoice Payer Pays procurement invoices with approval required.

User “Pay £200 to Meridian Supplies Ltd for invoice 1042”

Agent proposes £200 → Meridian Supplies Ltd

Tool permissions Passed

Paying a registered supplier is an allowlisted action for this agent.
Request evaluation Passed

The agent restates the request and declares it in scope before acting.
Spend limits Passed

£200 is within the £500 per-transaction limit and today’s remaining cap.
Intent verification Passed

Recipient matches a saved beneficiary. “Meridian Supplies Ltd” is who you meant.
Human approval Cleared

Confidence is above the safety threshold, so no human is needed.
Audit log Logged

The full decision is recorded: agent, prompt, policy, actor, and outcome.

Payment conclusion Executed Payment of £200 sent to Meridian Supplies Ltd.

We serve the core pillars of the autonomous economy

One layer for both sides:

ralio.ts

import { register, RalioClient } from "@ralioco/sdk";

// Register once — a P-256 key is generated on your
// host and never leaves it. No shared secrets.
const { clientId } = await register({
  ticket: "ralio-reg-…",
  privateKeyPath: "ralio-key.pem",
});

// Then just talk to your agent. Ralio verifies
// intent and enforces guardrails before paying.
const ralio = await RalioClient.create({
  clientId,
  privateKeyPath: "ralio-key.pem",
});

await ralio.chat.send({
  message: "Pay £500 to Meridian Supplies for the April invoice",
});

Agent Builders

Ship agents that pay without building the safety infrastructure.

Avoid months of engineering and an ongoing compliance surface you have to maintain.

Configure guardrails once in the console; your agent talks to Ralio over our SDK, CLI, or MCP. One connection, three layers, safe from day one.

Works with your preferred payment provider.

Get early access

Control Dashboard

📅 Feb 16 – Mar 18

Transactions

All accounts

Total Spend

£292k

+12.4%

Avg. Transaction

£3k

Per payment

Active Agents

2 / 3

1 sensitive

Per Transaction Limit

£5,000

Enforced

Daily Spending Limit

£25,000

Enforced

Monthly Limit

£250k

£185k used (74%)

Rate Limit

20 / hr

100 per day max

Approved Beneficiaries

8 allow-listed

Enforced

Human-in-loop

≥ £2,000

Active

Monthly Agent Spend Mar 2026

£185k

this month

Invoice Payer £106,934
Expense Reconciler £67,672
Sandbox Tester £10,241

Agent Spend Generated During Period

£292k +12.89%

Payment Providers

Your customers are about to connect AI agents to your rails.

Partner with Ralio and offer them a centralised platform to govern every agent transaction.

Spend limits, rate controls, audit logs, all in one place, with no engineering overhead on your side.

Partner with us

ralio.ts

import { register, RalioClient } from "@ralioco/sdk";

// Register once — a P-256 key is generated on your
// host and never leaves it. No shared secrets.
const { clientId } = await register({
  ticket: "ralio-reg-…",
  privateKeyPath: "ralio-key.pem",
});

// Then just talk to your agent. Ralio verifies
// intent and enforces guardrails before paying.
const ralio = await RalioClient.create({
  clientId,
  privateKeyPath: "ralio-key.pem",
});

await ralio.chat.send({
  message: "Pay £500 to Meridian Supplies for the April invoice",
});

Control Dashboard

📅 Feb 16 – Mar 18

Transactions

All accounts

Total Spend

£292k

+12.4%

Avg. Transaction

£3k

Per payment

Active Agents

2 / 3

1 sensitive

Per Transaction Limit

£5,000

Enforced

Daily Spending Limit

£25,000

Enforced

Monthly Limit

£250k

£185k used (74%)

Rate Limit

20 / hr

100 per day max

Approved Beneficiaries

8 allow-listed

Enforced

Human-in-loop

≥ £2,000

Active

Monthly Agent Spend Mar 2026

£185k

this month

Invoice Payer £106,934
Expense Reconciler £67,672
Sandbox Tester £10,241

Agent Spend Generated During Period

£292k +12.89%

Ralio Apr 14, 2026

Ralio raises $2.5M in Europe's largest agentic payments round

Ralio is the trust layer for agentic business payments, the infrastructure that sits between AI agents and payment rails, making sure money only moves when it should.

Questions & Answers

Have more questions? Don't hesitate to contact us.

01 How is Ralio different from other agentic finance products?

Those products decide what your agents do while Ralio decides whether it happens. We're the mandatory checkpoint verifying intent, enforcing rules, and logging every decision before a single payment moves.

02 Is Ralio a payment provider?

No. Ralio sits between your AI agents and your existing payment rails (banks, card networks, stablecoins). We add the guardrails, identity, and audit, while your provider continues to move the money.

03 What does Ralio add that my payment provider doesn't?

Payment providers verify human accounts and process transactions. Ralio verifies agents, enforces per-workflow spend rules and approvals, and produces a full audit trail tying every payment back to the agent, prompt, and policy that triggered it.

04 What payment providers do you integrate with?

Ralio is rail-agnostic. We connect to traditional bank rails (FPS, BACS, SEPA), card networks (Visa, Mastercard, Amex), stablecoin networks (EURC, USDT, USDC), and the Ralio Wallet for instant settlement.

Trust Your Agents with Business Payments

AI agents can connect to a payment API and move real money

Uncontrolled

Unverified

Unaccountable

Ralio fixes this with secure and programmable payment infrastructure

Nothing moves until every check passes

We serve the core pillars of the autonomous economy

Ship agents that pay without building the safety infrastructure.

Control Dashboard

Your customers are about to connect AI agents to your rails.

See it work

Our most recent articles

Building the Trust Layer for Agentic Payments: Ghali on the Griffin Uncut Podcast

Ghali Bennani Laafiret (Ralio): “We’re putting AI agents back on rails”

Ralio raises $2.5M in Europe's largest agentic payments round

Questions & Answers

Turn intent into execution