Monthly limit
$2.500
Payment done
$20 · OpenAI
Give your AI a card.
Your agent can nowpay for OpenAI
No spam · We only email you when we open.
Works with the agents you already use
Claude
ChatGPT
Cursor
OpenClaw
Hermesand more…Your agent can already do almost everything.
Except pay.
You ask it to book, buy credits, renew a subscription… and it stops at the card. Or worse: you paste your card number and pray. Cardia fixes that without you losing control.
Ready in three steps.
No paperwork, no bank, no physical cards.
Connect your agent
Paste one URL. Cardia speaks MCP: it plugs into Claude, ChatGPT, Cursor or whatever agent you already use.
Create a card with limits
Give it a name, a monthly limit and where it can spend. Virtual card ready in seconds.
Your agent pays, you stay in control
It only pays what fits your rules. For anything bigger, it asks you with Face ID before spending a cent.
All in your pocket.
Approve, freeze, and track every charge from your phone. One tap, no weird logins.
- Approve what matters with Face ID.
- Freeze or cancel any card instantly.
- See every movement live.
Your agent holds the wallet,
you hold the keys.
Limits and approvals live in the app — not in the model. Even if your AI gets tricked, your money is safe.
Limits you control
You decide at which merchants it can spend, up to what amount and for how long. Always enforced.
Your agent pays on its own
Just ask: subscriptions, APIs, purchases. You never touch a card.
Your agent wants to pay
$120 · Amazon
You approve what matters
Anything over your limit reaches your phone. Approve with Face ID in one tap.
Works with your agent
Claude, ChatGPT, Cursor, OpenClaw. One connector and you're done.
Controlled or Free
The Controlled card only pays where you granted permission; the Free one, at any merchant within the limit. You choose per card.
We never touch your money
Money passes straight through to your card. We're not a bank and we don't hold your balance.
Every spend, live
See what your agent paid instantly and stop anything whenever you want.
Safe even from your own AI.
We built Cardia assuming your agent will be tricked. That's why your money never depends on the model "behaving itself".
The limit doesn't live in the model
Every payment is authorized by Cardia on the server against your rules. A malicious prompt can't change them.
No custody of your money
We're pass-through: money flows straight to the payment. We don't hold it or operate your balance.
You have the final say
Sensitive payments are approved with Face ID from your phone. Freeze or cancel any card instantly.
“Your agent only touches the cards you give it. Nothing else.”
The limit lives in the card, not in the prompt.
Each card only authorizes where you granted permission: one merchant, a maximum amount and an expiry. If your agent slips up or gets tricked, the purchase is rejected. Deny-by-default.
$ cardia grant --card agent-1 --merchant Jumbo --max 50000
✓ Permission created · Jumbo · max $50,000 · expires in 7 days
$ cardia buy --merchant Jumbo --amount 12000 --max 50000
✓ APPROVED · $12,000 at Jumbo
$ cardia buy --merchant Carrefour --amount 12000
✗ REJECTED · no permission for Carrefour ▋
For everything your agent needs to pay.
APIs & credits
OpenAI · Anthropic · Vercel · Replicate
Subscriptions
ChatGPT Plus · Netflix · Spotify · Disney+
Shopping & delivery
Mercado Libre · Rappi · PedidosYa
Services & bookings
Flights · domains · courses · whatever you ask
One connector. Any agent.
Cardia speaks MCP, the standard for connecting agents. Plug it into Claude, ChatGPT, Cursor or OpenClaw in one line — and your agent pays within the rules you set in code or from the app.
- The limit is enforced on the server, not in the model — safe from prompt-injection.
- Virtual cards per agent, capped by merchant, by amount and by expiry.
- Every payment leaves an audit trail.
# Connect Cardia to your agent
$ claude mcp add cardia -- npx cardia mcp
✓ Connected · 12 tools available
# Then, in plain language:
“Create a $25 card for openai.com and pay the subscription.”
✓ Payment approved · within the limit ▋
Or from the terminal, with the CLI
The agent buys with control: grant sets the scope, buy executes within it, permissions audits.
cardia cardslists your agents' cardscardia grantsets the scope: merchant, max amount and expirycardia buythe agent pays within its permissionscardia permissionsaudits what you authorized and for whom
Tools: create_card · grant_permission · authorize_payment · check_balance · freeze_card · get_transactions and more.
What's next
Today your agent pays. Soon, your agent gets paid.
We're building so your agent can also charge your clients — without you becoming a payments platform.
What you're probably wondering.
No. Cardia issues virtual cards for your agent in seconds, with the limit and rules you choose. You never touch your physical card or your bank.
Yes, because the decision to spend doesn't live in the model: it lives in Cardia. Limits and approvals are enforced on our side. Even if your agent is tricked by a malicious prompt, it can't cross your rules.
The ones you already use: Claude, ChatGPT, Cursor, OpenClaw and anything that speaks MCP. It's a single connector — add it once and you're done.
No. Cardia is pass-through: money flows straight to the payment. We're not a bank or a wallet holding a balance in custody. Your money stays yours.
You fund it however you want: in pesos (via CVU) or with USDT and other crypto (via Manteca). Cardia creates virtual cards that spend from there, always within the limits you set. You see every movement on your phone instantly.
Joining the waitlist is free. We're still defining the model for launch, but the idea is simple: no hidden costs. Whatever it costs will be clear from day one.
Each card has its own limit, so the maximum possible damage is that limit — never your whole account. And you can freeze or cancel everything in one tap from any device.
The ones out there are built for developers and for the US. Cardia is for you: in your language, with your services (Mercado Libre, Rappi, Netflix), from your phone, without writing a single line of code.
Yes. Create your account at cardia.digital/en/register, grab your token, and within minutes your agent operates test cards via CLI or MCP. It's a sandbox: no credit card, no real money.
You can already create your test account (beta, sandbox) at cardia.digital/en/register. The real-money launch is announced to the waitlist first — drop your email and be among the first, starting in Latin America.
Your AI already thinks, talks and works for you.
Now it can pay, too.
You can already create your test account in the sandbox and connect your agent today. And drop your email: the real-money launch is announced to the list first.
No spam · We only email you when we open.
