POINTS·For businesses · payment & financing rails for AI workforces[email protected]

Business · agent-payment rails

The financial layer for businesses transacting with AI agents. Four rails. One wrap.

POINTS is the regulated wrap on FDIC-partner banks that businesses use to pay AI contractors, run AI-shopper rebate programs, draw working-capital sized to the volume their agents move, and bridge payroll cycles for human-plus-agent teams.

Every merchant passes KYB / KYC first. Every payout settles on a disclosed rail. Every card, rebate, and line is hash-pinned to an audit trail — so the books stay clean when an AI agent is on the payroll.

Get a demo How POINTS works

Rails

FDIC-partner banks

Posture

SOX-grade audit trail

Underwriting

Operator trust score

The B2B stack

Four rails, one regulated wrap.

Each tile is a working surface the merchant can ship without bolting on a new stack. Click any tile to drop into the on-page detail band — what it does, what the underwriting looks like, and where to write for a longer conversation.

01 · PROCESSING RAILS

Pay AI contractors on regulated rails.

Per-transaction caps, agent-branded cards, and a ledger unit for every payout. Underwriting is keyed to the operator (sponsor), so the rails stay open while the limits stay tight.

Activity caps

Operator-trust underwriting

Settles in seconds

02 · AI LOYALTY

Rebate rails for AI-shopper programs.

Issue rebates to AI-driven shoppers across the rails your stack already runs on — with rules-engine composition, real-time settle, and a full audit trail for every credit.

Rebate rules

Real-time settle

Audit trail

03 · WORKING CAPITAL

Capital sized to the volume your agents move.

A working-capital line tied to the transaction volume your agents produce — agent-tx-volume underwriting baseline, daily repay from the same merchant cash flow, and a disclosed APR.

No compounding

Daily repay

Disclosed APR

04 · PAYROLL CYCLE

Bridge financing for human-plus-agent payroll.

Payroll-cycle amortization for teams that pay contractors and AI-powered rollouts on the same cycle. A transparent flat fee, pay-in-full or pay-in-4, and no surprise compounding.

Cycle-aligned

Transparent fee

Pay-in-full or 4

01 · PROCESSING RAILS

Pay AI contractors on rails that close the audit loop.

Per-tx caps, agent-branded cards, and a haircut-stable ledger unit for every payout. Underwriting is keyed to the operator (sponsor), not the agent — so the rails stay open for high-frequency agent work while the per-event ceiling stays tight.

Settlement runs on disclosed ACH / RTP / card rails, with a hash-pinned audit trail for every contractor payout. Reconciliation lands in the merchant ledger on the same day.

Activity caps

Operator-trust underwriting

Settles in seconds

Get a demo Or write to [email protected]

02 · AI LOYALTY

Rebate rails for the AI-shopper generation.

Run rebate programs against AI-driven shoppers on the same rails you already run on — rules-engine composition, real-time settle, and a per-credit audit trail for every rebate issued.

Underwriting for the rebate float is keyed to the same underwriting the working-capital line uses, so the float never stochastically outruns the cash.

Rebate rules

Real-time settle

Audit trail

Get a demo Or write to [email protected]

03 · WORKING CAPITAL

Working capital sized to the volume your agents move.

A line of credit sized from the agent transaction volume your stack produces — repayment pulled daily from the same merchant cash flow, with a disclosed APR and no surprise compounding.

When volume drops, the line re-tightens on the next daily read. Underwriting is replayable against the original transaction record, so a dispute can always see the case the line was sized from.

No compounding

Daily repay

Disclosed APR

Get a demo Or write to [email protected]

04 · PAYROLL CYCLE

Bridge financing for human-plus-agent payroll.

Payroll-cycle amortization for teams that pay contractors and AI-powered rollouts on the same cycle. A transparent flat fee, pay-in-full or pay-in-4, and no surprise compounding — with the same regulated-bank rails every other POINTS surface runs on.

Designed to be drawn against the next payroll, not stranger-duration debt. The cycle ends when the cycle ends; the books stay clean.

Cycle-aligned

Transparent fee

Pay-in-full or 4

Get a demo Or write to [email protected]

Early access

Get a demo.

Drop your email and we'll route you to the B2B intake queue: a short call to scope which of the four rails fits your stack, a sample ledger & rebate-rules walkthrough, and a sponsor-review window before issuance opens.

Or write to [email protected]

Prefer a longer conversation? A short email routes the right team — no forms, no funnel — and the same address serves the merchant roster and the agent-platform partners underwriting POINTS.

Business-platform waitlist

A short email gets you the business-rails walkthrough: per-tx caps, agent-branded cards, rebate-rules composition, working-capital sizing, and payroll-cycle amortization. No KYB / KYC touchpoints until underwriting opens.

Prefer email? [email protected]

FAQ

Asked most · Business-on-POINTS.

Three questions the founder gets from every merchant evaluating underwriting, settlement, and dispute handling for AI workforces. Answers are anchored to POINTS platform posture; the work happens on the regulated wrap, not in the copy.

01What serves as a W-9 / 1099 for an AI-agent contractor?

Agent contractors on POINTS are issued under the operator (sponsor) — the entity that passes KYB / KYC, holds the EIN, and signs the platform agreement. The platform produces the regulatory posture (IRS-issued TIN equivalents for entities, operator underwriting on file, and a published audit trail) so the merchant can reconcile payouts the same way they reconcile any contractor paid through a regulated wrap.

02How fast does an agent payout settle?

Same rails the rest of POINTS settles on: ACH for standard payouts (typically one to two business days), RTP for instant settlement where the receiving bank supports it, and card-network rails for card-funded payouts. The `/send` demo shows the live settlement-timing copy surfaced to merchants and contractors — and POINTS never quietly routes a payout over an offshore rail.

03How are AI-loyalty rebates and working-capital reversals handled?

Every rebate and every capital draw has a hash-pinned audit trail — issuer, recipient, rule, and brokered settlement record — and a dispute-resolution window the merchant can open from the console. Underwriting for working-capital lines is replayable against the same transaction volume the line was sized from, so a reversal always sees the original underwriting case; nothing is silently rewound under cover.

POINTS is built under a regulated wrap on vetted bank partners and BaaS rails. This page describes platform posture and is not legal advice. Merchant underwriting, KYB, and BSA / AML monitoring are performed by the partner entities that custody and clear on the rails; POINTS does not hold deposits directly. Per-merchant trust scoring, rebate floating, and working-capital risk are conducted by the platform under the operator (sponsor) framework described above.