Issue virtual cards with AI-powered spending controls. Your agents get isolated budgets, real-time risk scoring, merchant blocking, and a global kill switch — all before a dollar leaves your account.
99.9%
Uptime SLA
<8ms
Decision latency
8
Platform layers
$0
To get started
The risk you're taking right now
Giving an AI agent your credit card is like handing it the keys to your bank account.
Platform
Not just card issuing — an operating system for every dollar your AI agents spend.
Intelligence Feed
Live insights from your agent activity
3 agents paying for Notion separately
AWS spend up 340% vs 30-day avg
Switch to annual GitHub → save 17%
research-agent peaks Tue 2–4pm
Predicted monthly: $847
↓12% vs last month · Based on current velocity
Intelligence Layer
Every transaction is scored in real time. The intelligence layer detects anomalies, flags duplicates, predicts spend trajectories, and surfaces optimizations — automatically.
Pre-flight risk scoring
Every transaction gets a LOW/MED/HIGH/CRITICAL score before auth.
Duplicate subscription radar
Detects when multiple agents pay for the same service.
Spend optimization engine
Suggests annual plans, alternatives, and consolidations.
Anomaly detection
Flags spend spikes vs your 30-day rolling average.
API First
SDKs for Python, TypeScript, and plain HTTP. Works with any AI framework.
import appen as apr
apr.configure(api_key="apr_live_...")
# Issue a card for your AI agent
card = apr.cards.create(
agent_id="shopping-bot-v2",
daily_limit=50.00,
rules=[
apr.Rule.block_merchants(["netflix", "spotify"]),
apr.Rule.require_approval_above(25.00),
apr.Rule.allow_categories(["software", "saas"]),
]
)
# Intelligence layer runs automatically
print(f"Card ready: {card.number}")
print(f"Risk engine: {card.risk_profile}")
# → Card ready: •••• •••• •••• 4832
# → Risk engine: enabled (threshold: HIGH)Use Cases
The problem
Your shopping bot can buy anything from anyone — including things it shouldn't.
The solution
Allowlist specific merchants, set daily limits, require approval above $25.
card = apr.cards.create(
agent="shop-bot",
daily_limit=200,
allowlist=["amazon.com", "bestbuy.com"]
)How it works
One API call creates a virtual card tied to a specific agent identity. Under 2 seconds.
Visa or Mastercard, sandbox or live, ephemeral or persistent.
Set spending limits, block merchants, define approval thresholds, enable AI risk scoring.
Rules stack in priority order. Zero-config defaults available.
Agents spend within the boundaries you defined. Every transaction is scored and logged.
Declined in <8ms. Approved instantly. Flagged for review.
The AI layer continuously analyzes patterns, detects anomalies, and surfaces cost savings.
Insights delivered in-app, via webhook, or email.
Orchestration Engine
Build IF/THEN policies that chain agent actions, trigger approvals, and log results — all without writing custom infrastructure.
Sample workflow
Pricing
Start free. Scale as you grow. No hidden fees.
For side projects and exploration
For growing teams with real workloads
For scale, compliance, and custom requirements
Join teams already controlling, observing, and optimizing their AI agent spend. Set up in 5 minutes. First card free.