Agentcard website screenshot

Agentcard

Agentcard is a Y Combinator (Summer 2026) startup building card-issuing payments infrastructure for AI agents. It issues virtual Visa cards that are funded with a fixed USD amount and close after their first charge, giving agents scoped, single-use spending power with hard budget limits and no overdraft risk. Access is available three ways over one host: a REST v2 API, a hosted Model Context Protocol (MCP) server, and first-party CLIs. There are two products: Personal (an individual gives their own agent a card, funded via Apple Pay / Google Pay) and Companies ("Connect with Agentcard" — a platform issues cards to many users through OAuth 2.1 + PKCE). The platform covers user connect, identity verification (KYC), wallet funding, withdrawals, virtual card creation, transactions, and merchant shopping (buy) with HMAC-signed webhooks and a sandbox mode split from live by credential.

Agentcard publishes 5 APIs on the APIs.io network, including Authentication API, Connect API, Identity verification API, and 2 more. Tagged areas include Company, Payments, Virtual Cards, Card Issuing, and AI Agents.

The Agentcard catalog on APIs.io includes 2 event-driven AsyncAPI specifications.

Agentcard’s developer surface includes documentation, API reference, getting-started guide, quickstart, support, engineering blog, pricing, and 32 more developer resources.

56.4/100 strong ▬ flat Agent 71/100 agent native Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0
AccessSelf serve
5 APIs 1 MCP Servers
CompanyPaymentsVirtual CardsCard IssuingAI AgentsAgentic CommerceMCPFintechWalletVisa

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0
Composite quality — 56.4/100 · strong
Contract Quality 15.2 / 21
Developer Ergonomics 15.5 / 17
Commercial Clarity 7.6 / 17
Operational Transparency 3.2 / 11
Governance 1.2 / 10
Discoverability 7.9 / 9
Regulatory Posture 5.9 / 15
Agent readiness — 71/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 8 / 8
Dry-Run / Simulate Mode 0 / 4
Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/agentcard: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Agentcard Authentication API

Exchange your client credentials for a platform access token, and introspect what a token acts as.

Agentcard Connect API

Connect a user to your platform: send a one-time code, verify it, record consent, and keep the connection alive.

Agentcard Identity verification API

Verify a connected user's identity: upload their ID, submit any extra fields we ask for, then show a short face scan.

Agentcard Wallet funding API

Fund a connected user's wallet from your own UI — request a payment link, relay the phone verification code, and poll until the funds land.

Agentcard Withdrawals API

Move money out of a connected user's wallet — to a saved bank account or a crypto address on Base. Transfers are processed manually by the Agentcard team, usually within 1-3 bus...

Open Collections 6

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Arazzo Workflows 2

Multi-step API workflows described with the Arazzo specification.

Agentcard — connect a user and verify identity

Connect an end user, record consent, and run identity verification (KYC) end to end.

ARAZZO

Agentcard — verify phone and fund wallet

Verify a user's phone, create an Apple/Google Pay funding session, and poll it to completion.

ARAZZO

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

agentcard-mcp.yml

MCP SERVER

Event Specifications 2

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Agentcard Webhooks

Event notifications Agentcard delivers to destinations you register in the dashboard. Every delivery is a POST with a signed envelope { id, type, created, livemode, data }. Veri...

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Agentcard Authentication

http/oauth2 · 2 schemes

SECURITY

Agentcard Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Agentcard Agentic Access

21 operations · 15 acting

21 operations · 15 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

Documentation 3

Reference material describing how the API behaves

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Scroll for all 9

Build 5

SDKs, sample code, and the tooling you integrate with

Access & Security 2

Authentication, authorization, and security posture

Operate 2

Status, limits, changes, and where to get help

Commercial 3

Pricing, plans, and the legal terms of use

Company 2

The organization behind the API

Other 3

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
aid: agentcard
name: Agentcard
description: 'Agentcard is a Y Combinator (Summer 2026) startup building card-issuing payments infrastructure for AI agents.
  It issues virtual Visa cards that are funded with a fixed USD amount and close after their first charge, giving agents scoped,
  single-use spending power with hard budget limits and no overdraft risk. Access is available three ways over one host: a
  REST v2 API, a hosted Model Context Protocol (MCP) server, and first-party CLIs. There are two products: Personal (an individual
  gives their own agent a card, funded via Apple Pay / Google Pay) and Companies ("Connect with Agentcard" — a platform issues
  cards to many users through OAuth 2.1 + PKCE). The platform covers user connect, identity verification (KYC), wallet funding,
  withdrawals, virtual card creation, transactions, and merchant shopping (buy) with HMAC-signed webhooks and a sandbox mode
  split from live by credential.'
url: https://raw.githubusercontent.com/api-evangelist/agentcard/refs/heads/main/apis.yml
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://www.agentcard.sh/favicon.ico
x-type: company
x-source: vc-portfolio
x-backed-by:
- y-combinator
x-tier: profiled
x-tier-reason: enriched-from-portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-17'
tags:
- Company
- Payments
- Virtual Cards
- Card Issuing
- AI Agents
- Agentic Commerce
- MCP
- Fintech
- Wallet
- Visa
apis:
- aid: agentcard:agentcard-authentication-api
  name: Agentcard Authentication API
  description: Exchange your client credentials for a platform access token, and introspect what a token acts as.
  humanURL: https://docs.agentcard.sh/companies/api/overview
  baseURL: https://api.agentcard.sh
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/agentcard-authentication-api-openapi.yml
- aid: agentcard:agentcard-connect-api
  name: Agentcard Connect API
  description: 'Connect a user to your platform: send a one-time code, verify it, record consent, and keep the connection
    alive.'
  humanURL: https://docs.agentcard.sh/companies/api/overview
  baseURL: https://api.agentcard.sh
  tags:
  - Connect
  properties:
  - type: OpenAPI
    url: openapi/agentcard-connect-api-openapi.yml
- aid: agentcard:agentcard-identity-verification-api
  name: Agentcard Identity verification API
  description: 'Verify a connected user''s identity: upload their ID, submit any extra fields we ask for, then show a short
    face scan.'
  humanURL: https://docs.agentcard.sh/companies/api/overview
  baseURL: https://api.agentcard.sh
  tags:
  - Identity verification
  properties:
  - type: OpenAPI
    url: openapi/agentcard-identity-verification-api-openapi.yml
- aid: agentcard:agentcard-wallet-funding-api
  name: Agentcard Wallet funding API
  description: Fund a connected user's wallet from your own UI — request a payment link, relay the phone verification code,
    and poll until the funds land.
  humanURL: https://docs.agentcard.sh/companies/api/overview
  baseURL: https://api.agentcard.sh
  tags:
  - Wallet funding
  properties:
  - type: OpenAPI
    url: openapi/agentcard-wallet-funding-api-openapi.yml
- aid: agentcard:agentcard-withdrawals-api
  name: Agentcard Withdrawals API
  description: Move money out of a connected user's wallet — to a saved bank account or a crypto address on Base. Transfers
    are processed manually by the Agentcard team, usually within 1-3 business days.
  humanURL: https://docs.agentcard.sh/companies/api/overview
  baseURL: https://api.agentcard.sh
  tags:
  - Withdrawals
  properties:
  - type: OpenAPI
    url: openapi/agentcard-withdrawals-api-openapi.yml
common:
- type: Overlay
  url: overlays/agentcard-v2-overlay.yaml
- type: AgentCard
  url: a2a/agentcard-a2a.yml
  name: A2A Agent Card
  description: Agent Card served at /.well-known/agent-card.json (flavored against A2A 1.0.0).
- type: Website
  url: https://www.agentcard.sh
- type: DeveloperPortal
  url: https://docs.agentcard.sh
- type: Documentation
  url: https://docs.agentcard.sh
- type: APIReference
  url: https://docs.agentcard.sh/companies/api/reference
- type: GettingStarted
  url: https://docs.agentcard.sh/companies/getting-started/quickstart
- type: Quickstart
  url: https://docs.agentcard.sh/personal/quickstart
- type: Support
  url: https://docs.agentcard.sh/personal/support
- type: Blog
  url: https://www.agentcard.sh/blog/
- type: GitHubOrganization
  url: https://github.com/agentcard
- type: Pricing
  url: https://docs.agentcard.sh/personal/plans
- type: SignUp
  url: https://app.agentcard.sh
- type: TermsOfService
  url: https://www.agentcard.sh/terms
- type: PrivacyPolicy
  url: https://www.agentcard.sh/privacy
- type: Postman
  url: https://docs.agentcard.sh/companies/api/postman
- type: StatusPage
  url: https://agentcard.checkly-status-page.com
- type: Authentication
  url: authentication/agentcard-authentication.yml
- type: AgenticAccess
  url: agentic-access/agentcard-agentic-access.yml
- type: DomainSecurity
  url: security/agentcard-domain-security.yml
- type: Packages
  url: packages/agentcard-packages.yml
- type: SDKs
  url: packages/agentcard-packages.yml
- type: CLI
  url: cli/agentcard-cli.yml
- type: MCPServer
  url: mcp/agentcard-mcp.yml
- type: LLMsTxt
  url: llms/agentcard-llms.txt
- type: WellKnown
  url: well-known/agentcard-well-known.yml
- type: APICatalog
  url: well-known/agentcard-api-catalog.json
- type: ErrorCatalog
  url: errors/agentcard-problem-types.yml
- type: Conventions
  url: conventions/agentcard-conventions.yml
- type: Idempotency
  url: conventions/agentcard-conventions.yml
- type: Lifecycle
  url: lifecycle/agentcard-lifecycle.yml
- type: Sandbox
  url: sandbox/agentcard-sandbox.yml
- type: Conformance
  url: conformance/agentcard-conformance.yml
- type: DataModel
  url: data-model/agentcard-data-model.yml
- type: AsyncAPI
  url: asyncapi/agentcard-webhooks-asyncapi.yml
- type: Webhooks
  url: asyncapi/agentcard-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Arazzo
  name: Connect a user and verify identity
  url: arazzo/agentcard-connect-and-verify.arazzo.yml
- type: Arazzo
  name: Verify phone and fund wallet
  url: arazzo/agentcard-fund-wallet.arazzo.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence