# Agentcard

**Canonical:** https://apis.io/providers/agentcard/  
**Website:** https://www.agentcard.sh  
**APIs profiled:** 5

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.

## Kin Score — 56.4 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 56.4).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 71.6 |
| Governance | 11.5 |
| Operational Transparency | 28.9 |
| Developer Ergonomics | 91.3 |
| Commercial Clarity | 44.7 |

Regulatory layer — **Payments**: 39.1 (matched via tags).

## Agent readiness — 71.2 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | yes |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | yes |
| Well Known Catalog | yes |
| Consent Identity | no |
| Agent Card | flavored |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (5)

- **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...

## MCP servers (1)

- **agentcard-mcp.yml**

## Agentic access (1)

- **Agentcard Agentic Access** — 21 operations · 15 acting

## Security (2)

- **Agentcard Authentication** — http/oauth2 · 2 schemes
- **Agentcard Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Payments, Virtual Cards, Card Issuing, AI Agents, Agentic Commerce, MCP, Fintech, Wallet, Visa

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/agentcard/). Scores are computed from the provider's own public artifacts under a published rubric.