# Allowance

**Canonical:** https://apis.io/providers/allowance/  
**Website:** https://useallowance.com/connect-agent  
**APIs profiled:** 3

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.

## Kin Score — 53.9 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 53.9).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 69.9 |
| Governance | 11.5 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 73.9 |
| Commercial Clarity | 44.7 |

Regulatory layer — **Payments**: 54.7 (matched via tags).

## Agent readiness — 65.3 (agent-native)

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

## Access

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

## APIs (3)

- **Allowance Mandates API** — The Mandates API from Allowance — 5 operation(s) for mandates.
- **Allowance Pricing API** — The Pricing API from Allowance — 1 operation(s) for pricing.
- **Allowance Status API** — The Status API from Allowance — 1 operation(s) for status.

## MCP servers (1)

- **allowance-mcp.yml**

## Agentic access (1)

- **Allowance Agentic Access** — 7 operations · 3 acting · 1 human-in-the-loop

## Security (2)

- **Allowance Authentication** — apiKey/oauth2 · 2 schemes
- **Allowance Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Payments, Agentic Payments, AI Agents, Virtual Cards, Fintech, Model Context Protocol, Consumer Trust, Spending Controls, AP2

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