Gen 3 Gift Card Infrastructure

The gift card API built for AI agents, modern platforms, and the humans they serve.

Connect once. Access 900+ brands across 50+ countries. No prefunding. No wire delays. No weekend blackouts. Pay per transaction settled via open banking, stablecoins, or digital wallets.

One API. Three entry points.Whether you're a platform CFO tired of float accounts, a developer building rewards infrastructure, or an AI agent that needs to compensate a human.
Rest API + MCP server

Rest API + MCP server

Clean OpenAPI spec. Sandbox on day one. Node SDKs. x402 payment headers supported natively. Integrate a complete 900-brand catalog in hours, not weeks.

Order gift cards programmatically

Order gift cards programmatically

MCP endpoint. x402 payment. No human in the loop. Your AI system can discover, order, and deliver a gift card to any human, anywhere, in under 60 seconds. This is B2A.

Connect your rewards catalog

Connect your rewards catalog

Loyalty platforms, HR tech, neobanks, and crypto exchanges. Replace your float account with pay-as-you-go settlement. Open banking, stablecoins, digital wallets you choose the rail.

Powering growth at
any scale

From startups to Fortune 500, businesses rely on Atomicrails to process gift cards globally.

900+

Brands

50+

Countries

<60s

Delivery

24/7

Settlement

The gift card industry hasn't changed its payment model in 20 years. We did. Every incumbent still requires a prefunded float account. We think that's a financing problem dressed up as an industry standard.
Gen 1
Blackhawk / InComm
Gen 2
Tillo / Extend
Gen 3
Atomicrails ✦
Settlement modelPrefunded float accountPrefunded float accountPay-as-you-go, per transaction
Payment railsFiat wire onlyFiat wire onlyOpen banking + stablecoins + digital wallets
Settlement timingBatch, T+2 to T+5Faster, still fiat cyclesReal-time, 24/7/365
Weekend / holiday availabilityBlockedBlockedAlways on
FX exposureHigh - multi-currency floatHigh - multi-currency floatEliminated or hedged by rail choice
API qualityLegacy, batch-firstModern RESTREST + MCP server + x402 payment
AI agent compatibleNoNoNative - MCP + x402 + agent discovery
Developers experience

Integrate in a day. Not a quarter.

One API call returns a ready-to-deliver gift card code. Payment is settled in the same transaction. No batch jobs. No reconciliation. No prefunding check before every order.

Open Banking
Stablecoins
Digital Wallets
order-gift-card.js
// Order a gift card — no prefunding required
const response = await fetch(
  'https://api.atomicrails.com/v1/orders',
  {
    method: 'POST',
    headers: {
      'Authorization': `Bearer ${API_KEY}`,
      'Content-Type': 'application/json',
      // x402: AI agents attach payment here
      'X-Payment': x402PaymentHeader,
    },
    body: JSON.stringify({
      brand: 'amazon-uk',
      amount: 25,
      currency: 'GBP',
      settlement: 'usdc', // or 'open-banking'
      recipient_email: '[email protected]',
    })
  }
);

// Response: gift card code delivered in < 60s
const { code, expires_at, status } = await response.json();
Use cases
Built for the full stack of human reward.From autonomous AI systems compensating gig workers to enterprise HR platforms automating employee recognition the use cases are the same API call.

AI Agent → Human Reward

An AI workflow completes a task and programmatically delivers a gift card as payment. No human approval required. MCP + x402.

HR Platform Automation

Employee hits a milestone. HR system calls Atomicrails. Gift card delivered in 60 seconds. No manual procurement, no float account needed.

Crypto Exchange Loyalty

Reward trading volume with instant gift card delivery, funded directly from USDC treasury. No fiat conversion. No wire wait.

Loyalty Platform Expansion

Add 900 brands to your existing catalog overnight. One API integration. No new supplier negotiations.

Global Gig Worker Payouts

Pay contributors in 50+ countries with local gift cards. No bank account required. Immediate. Works where wire transfers don't.

Corporate Incentives at Scale

Sales teams, channel partners, survey respondents. Bulk ordering with real-time settlement. No batch reconciliation on Monday morning.

Ready to drop the float account?

Request API access. Our team will qualify your use case and have you in the sandbox within 24 hours.