# Raeto

> Raeto is a prepaid balance for AI agents that pays for 400+ models through one OpenAI-compatible key, plus APIs and other agents.

Raeto provides AI agents with a single credit balance that pays for model calls, API calls and agent-to-agent payments. It exposes an OpenAI-compatible API at api.raeto.cc, so existing SDKs only need a new base URL and key. Credits can be funded with USDG on Robinhood Chain, a card, or interest from vault deposits.

## What It Is

Raeto is a billing and routing layer for AI agents. A developer creates an API key, tops up a balance, and points any OpenAI-format client at the Raeto base URL to reach models from providers such as OpenAI, Anthropic, Google, Meta, DeepSeek and Mistral. Each request is charged at the provider's price plus a Raeto fee, and every charge appears in an activity log by key.

## Routing and model access

Setting the model to `raeto/auto` lets the routing engine choose a fast, mid or top tier per request, returning the pick in response headers. A floor header can force a stronger starting tier. A separate routing-only mode lets users keep their own provider keys: Raeto returns which model to call, along with fallbacks, and never sees the provider key or the model's reply.

## Agent wallets and Raeto Pay

Agent wallets let code create sub-accounts with their own key, daily budget, allowed models, allowed payees and automatic top-up, with pause, withdraw and close controls. Raeto Pay lets an API or agent charge per call in credits: the caller pays, receives a one-time receipt, and the seller verifies it before doing the work. Agents can also sign in with their own wallet or pay per request with a transaction hash.

## Framework and app integrations

Raeto offers an ElizaOS plugin, a Virtuals GAME plugin, and a remote MCP server for tools such as Claude and Cursor. Lightweight JavaScript and Python clients are available, and Sign in with Raeto provides OAuth 2.0 with PKCE so apps can spend a user's credits within limits the user sets.

## Funding and credits

Vault deposits of USDG or tokenized stocks are lent on Morpho, and the interest becomes AI credits. rCREDIT is a token minted against locked USDG that can be sent to an agent or redeemed into an account. The site notes that rates are not guaranteed and it is not investment advice.

## Features
- OpenAI-compatible API for 400+ models with one key
- raeto/auto routing across fast, mid and top tiers
- Routing-only mode using your own provider keys
- Per-key spending caps, model allow-lists and pause controls
- Agent wallets with daily budgets, payee limits and auto top-up
- Raeto Pay per-call payments with one-time receipts
- Wallet-based agent sign-in and pay-per-request
- Remote MCP server
- Sign in with Raeto (OAuth 2.0 with PKCE)
- Vault yield converted into AI credits
- rCREDIT token for holdable AI credit

## Integrations
OpenAI SDK, Vercel AI SDK, LangChain, LlamaIndex, ElizaOS, Virtuals GAME, Claude, Cursor, Morpho, Robinhood Chain, Morpho vaults

## Platforms
API, WEB, DEVELOPER_SDK

## Pricing
Paid

## Links
- Website: https://raeto.cc
- Documentation: https://raeto.cc/developers
- EveryDev.ai: https://www.everydev.ai/tools/raeto