STEALTH · INVITE ONLY

Cards that
think before they spend.

APPEN is building card infrastructure for AI agents: every card controlled through an API, every dollar governed by rules you write — budgets, merchants, velocity, approvals. The human stays the manager of every agentic card.

REQUEST ACCESS →See how it works →

MEMBER · PLAID AI STARTUP PROGRAM · 2026 COHORT

WHY APPEN

Your credit card is the wrong tool.

Handing an AI agent your personal card means you have delegated the keys to your bank account without delegating any of the controls a real spender expects.

Card compromisedYOUR CREDIT CARDFull account exposed. Freeze everything.APPENOne agent's card revoked. The rest keep working.
Agent goes rogueYOUR CREDIT CARDNo way to stop spend in real time.APPENGlobal kill switch. One API call.
Spending limitsYOUR CREDIT CARDNone. The agent has your full balance.APPENPer-agent daily and monthly caps, enforced at auth.
Merchant controlYOUR CREDIT CARDAnywhere on Earth.APPENMerchant and MCC allowlists, set per agent.
Audit trailYOUR CREDIT CARDBank statement, days late.APPENEvery authorization streamed live, with the reason.
Duplicate subsYOUR CREDIT CARDSilently compound month over month.APPENDetected, surfaced, paused on your call.
Approval workflowYOUR CREDIT CARDImpossible. There is no hook point.APPENHuman sign-off above any threshold you set.
Agent isolationYOUR CREDIT CARDEvery agent shares one card.APPENEach agent gets its own scoped virtual.

STAY IN THE LOOP

One email when we open the door.

Leave your email and we will let you know when the pilot opens to broader signups. No newsletter. No follow-on marketing. One message.

If you have a specific use case to discuss, the access form has more detail.