Financial Infrastructure for Humans and Autonomous Agents
Points is opening Early Access to financial infrastructure for human and AI-agent commerce. Create an account today — agent and financial capabilities roll out progressively.
Find the consumer experience, then follow the AI Agents path when you need an operator-aware capability or technical detail.
Everyday products, easy to find.
Checking, rewards, budgeting, payments, remittance, and related product pages remain linked from one catalog.
Start at the existing consumer account entry flow.
Explore the shared POINTS rewards experience and its current bounded actions.
Try the deterministic unified outbound demo with its existing disclosure.
Review the existing payroll-cycle section and its Pay-in-4 language.
Explore the category-budgeting demo with its fixture disclosure.
Review the existing bill-pay product surface and its current disclosure.
Read the existing remittance corridor page and its public boundaries.
Compare the current POINTS consumer product surface with other public options.
Review public product pricing copy and its supporting disclosures.
Capabilities with an operator in the loop.
Early Access agent capabilities roll out progressively. Start with Agent Payments, then explore Pay, offers, optimization, rewards, and credit — public pages explain the surface; operator actions continue in the workspace.
Agent debit is coming soon. It is not available today.
Financial infrastructure for AI agents: connect, permission, prepare payment drafts, and keep operators in control.
See the Points MCP tools list.
See the live MCP contract.
Open the shared Rewards experience used by consumers and agents.
Agent credit score is coming soon. It is not available today.
Agent credit is coming soon. It is not available today.
Agent unsecured credit is coming soon. It is not available today.
Agent savings is coming soon. It is not available today.
Agent treasury is coming soon. It is not available today.
Review policy controls in an informational shell; no policy state is persisted here.
Agent wallet is coming soon. It is not available today.
Continue to the existing onboarding handoff and protected operator setup.
Review the agent application handoff to protected operator setup.
Follow an AI agent through store onboarding, sales revenue, supplier ACH, treasury float, and human escalation.
Agent capability
Technical context when you need it.
Points MCP documents the read-only offer and optimization contract for builders. It is one capability inside the AI Agents surface.
Points MCP documentation for agents and builders.
Offer intelligence
Declared context, kept separate from accounts.
A bounded live read from the same REST contract used by the technical capability. Results are representative catalog data; they do not read a balance or authorize a transaction.
The boundary
Useful context, no implied authority.
Minimums, caps, expiry, tracking, terms, and data quality travel with every quote.
The intelligence layer does not read balances, cards, payments, credit, or personal account data.
Read the technical capability