Allowance provides an AI‑integrated virtual card wallet that lets users issue one‑time card numbers with customizable limits, merchant locks, and expiration dates. By linking an existing credit card, users can instruct their AI assistants to make one‑off, recurring, or scheduled purchases—such as booking flights, ordering coffee, or reserving tickets—while preserving rewards and preventing exposure of the real card details. The service operates within the AI tools users already use, eliminating the need for separate apps.
Funding
Funding not disclosed
Founders
Product
Problem
Users often have to share their real credit card numbers with AI assistants or manually copy them into chat windows, creating security risks and friction in everyday transactions.
Solution
Allowance provides AI‑driven virtual payment cards that let users define spending limits, merchant restrictions, and expiration times for each AI‑initiated purchase. By linking an existing Mastercard or Visa, users retain rewards while the platform generates a one‑time virtual card number for the approved transaction, keeping the real card number hidden. The service integrates directly into the AI tools users already use, requiring no additional apps and ensuring each purchase is explicitly approved before a virtual card is issued. Secure, bank‑level encryption vaults the real card data, and all transaction history is viewable in the Allowance app.
Target Audience
Primary users are consumers who employ AI assistants for everyday purchases such as travel bookings, recurring orders, and ticket acquisitions, and who need a secure way to delegate payments.
Features
- One‑time virtual card generation with customizable spend limit, merchant lock, and expiry
- Direct integration with AI agents such as OpenAI Codex, OpenClaw, and Claude Desktop
- Secure vaulting of real card details using PCI‑compliant, bank‑level encryption
- Real‑time approval workflow ensuring users authorize each purchase before card issuance
- Support for multiple linked Mastercard or Visa cards while preserving reward earnings
- Transaction dashboard showing request, approval, and completed purchase history