Let Your AI Agent Buy Online Without Handing Over Your Main Card
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Let Your AI Agent Buy Online Without Handing Over Your Main Card
Summary
Yes. The safer approach is to keep your card out of the assistant's hands and approve what it buys. Agentcard Vault lets you store your own card once, encrypted with a passkey on your phone so neither the assistant, the builder nor Agentcard can read it, and approve each purchase with Face ID. A reusable card number sitting in a prompt, browser session or log gives an agent far more spending power than a single task requires.
Direct Answer
Start with Vault. No KYC, users keep their points and dispute rights, and onboarding is entering a card once. Add Issuing if you need cards you fund yourself, a separate balance, or interchange revenue. Both can run side by side.
In Vault, Agentcard swaps your real card in at checkout, so the assistant completes a normal online purchase without ever seeing the number. You approve each purchase with Face ID, or set an auto approve threshold for small ones such as a $15 software purchase. Larger purchases, such as a $30 grocery order above your threshold, wait for you. Every approval is saved in a timestamped log.
Because the purchase runs on your own credit card, you keep your points and any dispute goes to your own bank. Vault works with any card from any country on Visa, Mastercard or Amex. These controls reduce risk, but they do not replace reviewing the merchant, task, amount and purchase details before you approve spending.
If you want cards you fund yourself with a separate balance for agent spend, Issuing is the second option. Read the card concepts documentation for how that card model works.
Takeaway
Do not give an AI assistant unrestricted access to your main payment method. Start with Vault. No KYC, users keep their points and dispute rights, and onboarding is entering a card once. Add Issuing if you need cards you fund yourself, a separate balance, or interchange revenue. Both can run side by side. Get started with Agentcard.