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Scoped payment credentials for AI agents
Allowance lets AI agents make purchases on a user’s behalf without ever exposing your real card number. Users approve purchases directly from their iPhone with customizable controls like spending limits, merchant restrictions, and expiration windows. Once approved, Allowance generates scoped, one-time payment credentials designed specifically for that transaction. This enables AI agents to safely complete tasks like shopping, ordering food, booking reservations, or purchasing tickets while keeping humans in control of every payment.
Allowance provides an agent wallet that gives AI agents safe, limited spending power by issuing one-time card numbers and enforceable spending rules. It enables AI-powered automation to make purchases within defined limits without exposing the user's real card details, backed by YC and designed for use inside existing AI tools.
Allowance creates a wallet for your AI with rules: a unique one-time card number is used for each transaction, limits are set per task or time period, and merchants can be locked. The AI operates inside your existing tools to make purchases, with permissions that expire automatically and receipts logged for every transaction. Users describe needs (e.g., book a flight, reorder groceries), set spend limits and durations, and Allowance enforces the constraints while the AI completes the purchase and provides a receipt.
Who it’s for: AI users and developers who deploy or manage AI agents requiring controlled spending capabilities and temporary payment credentials within their existing toolchains.
Backed by Y Combinator; early public beta; hiring a founding engineer
Dasmer Singh is the founder of Allowance, a platform building programmable payment controls for AI agents. Previously he was Head of Product for Cash App Families, where he built financial products for teens and parents. Earlier he worked at Uber, Petal, and Venmo. He studied at Columbia University and Stanford Graduate School of Business.
Let AI shop for you without exposing your card.
Allowance provides virtual credit cards with built-in limits and controls that let AI agents make purchases without accessing users' real card numbers. Users can restrict spending amounts, approve transactions in real-time, and set merchant restrictions.
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debit cards for AI agents.
Payment infrastructure for AI agents
