Does Allowance work with OpenClaw?

Yes. Allowance works with OpenClaw agents, ChatGPT, Claude, and any AI agent that can use virtual cards. Your agent never sees your real card details — it receives a single-use, merchant-locked virtual card with the exact budget you approve.

How do I give an OpenClaw agent a payment card safely?

Instead of storing your real card number in an OpenClaw config (which exposes you to infostealer attacks), use Allowance to issue a single-use virtual card with a specific merchant lock, spending cap, and expiry. Your agent requests it, you approve once, and the card self-destructs after use.

What is a virtual card for an AI agent?

A virtual card for an AI agent is a temporary, single-use payment credential with enforced rules: a specific merchant it can charge, a maximum amount, and an expiry window. The agent uses the card to complete a purchase and the card immediately becomes invalid. This prevents unauthorized charges even if the agent is compromised.

Is it safe to give an AI agent my credit card?

Giving an AI agent your real credit card number is risky: the number can be stored in config files, logs, or memory, and stolen by infostealer malware. Allowance solves this by giving your agent a scoped virtual card instead — merchant-locked, amount-capped, and auto-expiring — so your real card is never exposed.

What are agentic payments?

Agentic payments are purchases initiated autonomously by an AI agent on behalf of a human. The human sets a budget and rules upfront — merchant, amount cap, time limit — then the agent completes the transaction without further intervention. Allowance gives you the control layer to approve, limit, and revoke these permissions.

Give your AI a wallet with rules.

Our Little League coach is retiring after 30 years and loves the Yankees. Find an adjustable New Era hat under $70 that feels more like a gift than an everyday navy cap.

The Opening Day 19TWENTY is the most gift-worthy at $31.49. It’s adjustable and feels tied to a special baseball moment. The Embossed Logo and Classic Tones hats are strong alternatives.

The Opening Day one.

Good choice. The Opening Day hat is ready for approval.

Your New Era purchase is complete. The Opening Day hat is on its way. 🎉

Would a natural ColourPop palette work for a wedding with my coloring? If so, pick one under $30 and add it.

Yes. Based on your coloring, this warm-neutral palette should give you a polished, natural wedding look. I added it for $14.

That one.

Great. The warm-neutral palette is ready for approval.

Your ColourPop purchase is complete. Your palette is on its way. 🎉

Baby shower next week. The parents love Kith, and the nursery is cream and sage. Find me a gift under $150 that isn’t another beige onesie.

I found three Kith gifts at $80: a sage embroidered shortall set, sage open-knit shorts, or the waffle monogram gift set. I’d pick the shortall.

The shortall.

Good choice. The sage shortall is ready for approval.

Your Kith purchase is complete. The baby shower gift is on its way. 🎉

I’m usually a medium. Add this Everlane shirt for my beach trip if the fit works.

EVERLANE.COMCotton Gauze Resort Shirt

The relaxed fit should work well in your usual medium, and M is available. I added the black Cotton Gauze Resort Shirt for $104.

That works.

Great. The black resort shirt is ready for approval.

Your Everlane purchase is complete. Your beach shirt is on its way. 🎉

AllowanceSecure purchase approval

Approve New Era?

Opening Day 19TWENTYNew Era

$35maximum

Paying withVisa •••• 4242 Deliver toHome

Payment and delivery details are shared securely at checkout.

Approve with Face ID

Message Allowance

Message Allowance

Scan to get started or text (917) 335-1303

Backed by Y Combinator Works with

Shop securely wherever you ask

Messages

Ask Alfie to shop in iMessage or WhatsApp, then approve in the same conversation.

iMessage ↗ WhatsApp ↗

Your existing AI

Connect Allowance to ChatGPT, Claude, or any MCP-compatible agent.

ChatGPT ↗ Claude ↗ Other agent ↗

The Allowance app

Chat with Alfie, approve purchases, manage permissions, and see every receipt.

Web ↗ iPhone ↗ Android ↗

Your rules, enforced

All the control, none of the anxiety.

Every permission you grant is precise, temporary, and transparent.

Spending limits

Set per-task, daily, or monthly caps. Your AI can never spend more than you allow.

Merchant-locked

Every allowance is locked to a specific merchant. No surprises, no unauthorized charges.

Auto-expiring

Permissions expire by default. No lingering access. Grant it, use it, done.

Every transaction logged

See exactly what your AI spent, where, and when. Full receipt for every purchase.

Instant revocation

Changed your mind? Kill the permission instantly. Your AI loses access immediately.

No card sharing

Your AI never sees your card number. Allowance creates a temporary credential for each purchase.

Not just for your agent

Need a private card number for yourself?

Generate a one-time card number from the credit card you already have — for you or your agent to use at any online checkout. Your real card stays private, and you keep every reward.

Explore One-Time Cards →

Card number

•••• •••• •••• ••••

Expiration

••/••

CVC

•••

Sample card — for illustration only

Loved by early users

Real people. Real purchases.

5.0 on the App Store

Being able to create virtual cards instead of handing over my actual payment credentials gives me a lot more peace of mind — especially when using AI agents to complete purchases on my behalf.

Lavin, San FranciscoApp Store review

Allowance has changed my life. It now handles the full mental load and logistics of snagging reservations for me — can't wait to use it to book hotels and flights too. So happy this exists!

ManleenApp Store review

Easy to set up and seamless to use. It's unlocked the ability for me to place coffee orders and make rezis — can't wait to see what else I can do!

jku__App Store review

Allowance makes it easy to set clear rules for AI spending. Simple concept, great execution.

PerplexflexApp Store review

Read all reviews on the App Store →

Launch YC: Allowance: Virtual cards for AI agents

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