aid: allowance
name: Allowance
description: >-
  Allowance is a consumer trust layer for AI agent payments, backed by Y Combinator.
  It lets people give AI agents limited, revocable spending power without ever sharing
  a real credit card number. An agent proposes a spending mandate (a permission object
  with a budget, merchant and category restrictions, and a time limit); the human owner
  approves it from the Allowance iOS app; and Allowance then issues single-use virtual
  cards (PAN, expiry, CVV) that are amount-capped, merchant-locked, and short-lived so
  the agent can complete checkout autonomously within the approved rules. Allowance
  exposes a pre-launch OpenAPI 3.1 REST API, a hosted remote MCP server, a published
  agent SKILL.md, a CLI (PyPI and npm), plus ChatGPT and Claude connectors. The mandate
  model is designed as a natural precursor to the AP2 Agent Payments Protocol.
url: https://raw.githubusercontent.com/api-evangelist/allowance/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://useallowance.com/assets/logo.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- y-combinator
x-tier: profiled
x-tier-reason: enriched-from-public-surface
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Payments
- Agentic Payments
- AI Agents
- Virtual Cards
- Fintech
- MCP
- Consumer Trust
- Spending Controls
- AP2
tags_raw:
- Company
- Payments
- Agentic Payments
- AI Agents
- Virtual Cards
- Fintech
- Model Context Protocol
- Consumer Trust
- Spending Controls
- AP2
apis:
- aid: allowance:allowance-mandates-api
  name: Allowance Mandates API
  description: The Mandates API from Allowance — 5 operation(s) for mandates.
  humanURL: https://useallowance.com/connect-agent
  baseURL: https://api.useallowance.com/v1
  tags:
  - Mandates
  properties:
  - type: OpenAPI
    url: openapi/allowance-mandates-api-openapi.yml
- aid: allowance:allowance-pricing-api
  name: Allowance Pricing API
  description: The Pricing API from Allowance — 1 operation(s) for pricing.
  humanURL: https://useallowance.com/connect-agent
  baseURL: https://api.useallowance.com/v1
  tags:
  - Pricing
  properties:
  - type: OpenAPI
    url: openapi/allowance-pricing-api-openapi.yml
- aid: allowance:allowance-status-api
  name: Allowance Status API
  description: The Status API from Allowance — 1 operation(s) for status.
  humanURL: https://useallowance.com/connect-agent
  baseURL: https://api.useallowance.com/v1
  tags:
  - Status
  properties:
  - type: OpenAPI
    url: openapi/allowance-status-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/allowance-capability-edges.yml
  name: Allowance Business Capability Map
- type: Plans
  url: plans/allowance-plans-pricing.yml
- url: https://useallowance.com/blog/rss.xml
  type: BlogRSS
- type: Website
  url: https://useallowance.com/
- type: Overlay
  url: overlays/allowance-openapi-overlay.yaml
- type: DomainSecurity
  url: security/allowance-domain-security.yml
- type: AgenticAccess
  url: agentic-access/allowance-agentic-access.yml
- type: OAuthScopes
  url: scopes/allowance-scopes.yml
- type: Authentication
  url: authentication/allowance-authentication.yml
- type: DeveloperPortal
  url: https://useallowance.com/connect-agent
- type: Documentation
  url: https://useallowance.com/connect-agent
- type: APIReference
  url: https://useallowance.com/openapi.json
- type: GettingStarted
  url: https://useallowance.com/connect-agent
- type: Support
  url: https://useallowance.com/support
- type: Blog
  url: https://useallowance.com/blog/
- type: Pricing
  url: https://useallowance.com/pricing.json
- type: SignUp
  url: https://apps.apple.com/us/app/allowance-agent-wallet/id6762312262
- type: TermsOfService
  url: https://useallowance.com/terms
- type: PrivacyPolicy
  url: https://useallowance.com/privacy
- type: StatusPage
  url: https://useallowance.com/status.json
- type: LLMsTxt
  url: llms/allowance-llms.txt
- type: MCPServer
  url: mcp/allowance-mcp.yml
- type: AgentSkill
  url: skills/allowance-purchase.md
- type: Packages
  url: packages/allowance-packages.yml
- type: CLI
  url: cli/allowance-cli.yml
- type: WellKnown
  url: well-known/allowance-well-known.yml
- type: Conformance
  url: conformance/allowance-conformance.yml
- type: ErrorCatalog
  url: errors/allowance-problem-types.yml
- type: DeclineCodes
  url: errors/allowance-decline-codes.yml
- type: Lifecycle
  url: lifecycle/allowance-lifecycle.yml
- type: Conventions
  url: conventions/allowance-conventions.yml
- type: Idempotency
  url: conventions/allowance-conventions.yml
- type: DataModel
  url: data-model/allowance-data-model.yml
- type: Webhooks
  url: asyncapi/allowance-webhooks.yml
- type: Arazzo
  name: Approve a mandate and issue a virtual card
  url: arazzo/allowance-mandate-to-card.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence