{"passport":{"unfragile":{"@version":"1.0","version":"2026-05","artifact":{"id":"npm-ai-credit-card","slug":"ai-credit-card","name":"ai-credit-card","type":"api","url":"https://asgcard.dev","page_url":"https://unfragile.ai/ai-credit-card","categories":["ai-agents"],"tags":["ai credit card","agent wallet","agent cash","ai agents","virtual card","x402","mpp","machine payments protocol","stripe issuing","fintech","mcp","llm","langchain"],"pricing":{"model":"open_source","free":true,"starting_price":null},"status":"active","verified":false},"capabilities":[{"id":"npm-ai-credit-card__cap_0","uri":"capability://tool.use.integration.autonomous.agent.virtual.card.provisioning","name":"autonomous-agent-virtual-card-provisioning","description":"Provisions isolated virtual Mastercard credentials (card number, CVV, expiration) for individual AI agents via Stripe Issuing API integration. Each agent receives a unique card with configurable spending limits and merchant restrictions, enabling autonomous payment capability without exposing shared credentials or requiring human approval per transaction.","intents":["Give my AI agent the ability to autonomously purchase API access or SaaS subscriptions without human intervention","Isolate financial risk by issuing per-agent virtual cards with individual spending caps","Track which agent spent money on what service for cost attribution and auditing","Revoke an agent's payment capability instantly by deactivating its virtual card"],"best_for":["AI agent developers building autonomous systems that need to purchase external services","Teams running multi-agent systems requiring per-agent financial isolation and accountability","Fintech platforms building agent-as-a-service offerings with embedded payment rails"],"limitations":["Requires active Stripe account with Issuing product enabled — not all Stripe accounts have access","Virtual cards subject to Stripe's issuing limits (typically $10k-$100k per card depending on account tier)","Card provisioning latency depends on Stripe API response time (typically 1-3 seconds)","No built-in multi-currency support — cards issued in single currency per agent","Spending limits are enforced at Stripe level, not in MCP layer — requires Stripe configuration for each card"],"requires":["Stripe account with Issuing product enabled","Valid Stripe API key (publishable and secret)","Node.js 16+ or compatible JavaScript runtime","MCP client compatible with x402 or MPP protocol"],"input_types":["agent-identifier (string)","spending-limit (number, in cents)","merchant-restrictions (optional array of MCC codes)"],"output_types":["card-credentials (object with card_number, cvv, expiration_date)","card-metadata (object with card_id, status, created_at, spending_limit)"],"categories":["tool-use-integration","fintech"],"confidence":0.5,"matches":0,"success_rate":0},{"id":"npm-ai-credit-card__cap_1","uri":"capability://tool.use.integration.agent.transaction.execution.via.card","name":"agent-transaction-execution-via-card","description":"Enables AI agents to execute real financial transactions (API purchases, SaaS subscriptions, service payments) using provisioned virtual card credentials. The agent calls the transaction capability with merchant details and amount; the MCP layer formats the request for Stripe payment processing and returns transaction status, receipt data, and error handling for declined cards or insufficient limits.","intents":["Allow my agent to autonomously pay for cloud API calls (e.g., purchasing compute credits from AWS, GCP)","Enable agents to subscribe to SaaS tools on-demand when needed for task execution","Process refunds or chargebacks when agent-initiated transactions fail or are disputed","Capture transaction metadata (merchant, amount, timestamp) for agent cost tracking and billing"],"best_for":["Autonomous agent systems that need to purchase external services as part of task execution","Multi-agent platforms requiring per-transaction audit trails and cost attribution","Developers building agent-as-a-service platforms with embedded billing"],"limitations":["Transaction processing latency depends on merchant and payment network (typically 2-5 seconds)","Declined transactions return error codes but no automatic retry logic — agent must implement retry strategy","No built-in transaction reversal — requires separate refund API call to Stripe","Merchant category code (MCC) restrictions are enforced by Stripe, not configurable per transaction","Real-time balance checking requires additional Stripe API call — not bundled in transaction execution"],"requires":["Valid virtual card provisioned via autonomous-agent-virtual-card-provisioning capability","Stripe account with Issuing and Payments products enabled","Merchant integration details (merchant ID, amount, currency)"],"input_types":["card-id (string)","merchant-details (object with merchant_id, merchant_name, category)","transaction-amount (number, in cents)","currency (string, ISO 4217 code)"],"output_types":["transaction-result (object with transaction_id, status, amount_charged, timestamp)","error-response (object with error_code, error_message, retry_after if applicable)"],"categories":["tool-use-integration","automation-workflow"],"confidence":0.5,"matches":0,"success_rate":0},{"id":"npm-ai-credit-card__cap_2","uri":"capability://safety.moderation.spending.limit.enforcement.and.configuration","name":"spending-limit-enforcement-and-configuration","description":"Configures and enforces per-agent spending limits at the Stripe Issuing level, preventing agents from exceeding allocated budgets. Supports multiple limit types: daily spend cap, monthly spend cap, per-transaction maximum, and merchant category restrictions. Limits are enforced by Stripe's card authorization system, not application logic, ensuring financial controls are tamper-proof.","intents":["Set a monthly budget for an agent and prevent it from spending beyond that limit","Restrict an agent to only purchasing from specific merchant categories (e.g., cloud providers, not retail)","Implement tiered spending limits based on agent trust level or task criticality","Audit spending patterns and adjust limits dynamically based on agent behavior"],"best_for":["Teams running untrusted or experimental agents requiring strict financial guardrails","Multi-tenant platforms where each tenant agent has a separate budget allocation","Cost-conscious organizations needing to prevent runaway agent spending"],"limitations":["Spending limits are enforced by Stripe, not in MCP layer — changes take 1-2 minutes to propagate","No built-in predictive spending alerts — requires external monitoring to warn before limit is reached","Merchant category restrictions use Stripe's MCC codes, which may not map exactly to business categories","Daily/monthly limits reset on Stripe's schedule, not custom time windows","No granular per-API-endpoint limits — only merchant category and transaction amount controls available"],"requires":["Stripe account with Issuing product enabled","Virtual card provisioned for the agent","Stripe API key with permissions to update card spending controls"],"input_types":["card-id (string)","daily-limit (number, in cents, optional)","monthly-limit (number, in cents, optional)","per-transaction-limit (number, in cents, optional)","merchant-categories (array of MCC codes, optional)"],"output_types":["limit-configuration (object with applied limits, effective_date, status)","validation-error (object with field, reason if configuration is invalid)"],"categories":["safety-moderation","automation-workflow"],"confidence":0.5,"matches":0,"success_rate":0},{"id":"npm-ai-credit-card__cap_3","uri":"capability://tool.use.integration.mcp.protocol.agent.tool.binding","name":"mcp-protocol-agent-tool-binding","description":"Exposes ai-credit-card capabilities as MCP-compatible tool definitions that LLM agents can discover and invoke via standard tool-calling interfaces. Implements the MCP protocol for tool registration, schema validation, and result serialization, enabling seamless integration with any LLM framework (LangChain, AutoGPT, custom agents) that supports MCP or x402 protocol.","intents":["Integrate ai-credit-card into my existing LangChain agent without custom code","Allow my agent to discover available payment capabilities at runtime via MCP tool discovery","Ensure my agent's payment calls are validated against the MCP schema before execution","Support multiple LLM providers (OpenAI, Anthropic, local models) with the same payment integration"],"best_for":["LLM agent developers using LangChain, AutoGPT, or other MCP-compatible frameworks","Teams building multi-provider agent systems requiring protocol-level interoperability","Developers wanting to avoid vendor lock-in by using standard MCP tool definitions"],"limitations":["Requires MCP client support in the agent framework — not all frameworks implement MCP yet","Tool schema validation adds ~50-100ms per tool call for JSON schema checking","MCP protocol overhead (serialization, deserialization) adds ~20-50ms per round-trip","No built-in rate limiting at MCP layer — requires external rate limiter for high-frequency calls","Tool discovery is static at startup — dynamic tool registration not supported"],"requires":["MCP-compatible LLM agent framework (LangChain 0.1+, AutoGPT, or custom MCP client)","Node.js 16+ runtime","x402 or MPP protocol support in agent framework"],"input_types":["mcp-tool-request (JSON object conforming to MCP tool schema)"],"output_types":["mcp-tool-result (JSON object with tool execution result and metadata)","mcp-error (JSON object with error code and message if tool call fails)"],"categories":["tool-use-integration","automation-workflow"],"confidence":0.5,"matches":0,"success_rate":0},{"id":"npm-ai-credit-card__cap_4","uri":"capability://tool.use.integration.x402.machine.payment.protocol.support","name":"x402-machine-payment-protocol-support","description":"Implements the x402 Machine Payment Protocol, enabling agents to request payment capability and negotiate payment terms with services before consuming them. Agents can query service pricing, request a payment channel, and establish a payment agreement; the MCP layer handles x402 protocol negotiation and returns payment credentials for the service.","intents":["Allow my agent to negotiate payment terms with a service before using it (e.g., 'pay $0.01 per API call')","Enable agents to discover service pricing dynamically and decide whether to purchase based on cost","Support micropayments for services that charge per-request or per-unit-consumed","Implement pay-as-you-go billing where agents only pay for what they actually use"],"best_for":["Developers building agent-to-service payment channels for micropayment scenarios","API providers wanting to offer pay-per-use pricing to AI agents","Platforms implementing machine-to-machine payment protocols for autonomous systems"],"limitations":["x402 protocol adoption is limited — most services don't support it yet, limiting real-world use cases","Protocol negotiation adds latency (typically 500ms-2s per negotiation) before payment can begin","No built-in dispute resolution — requires external mechanism for handling payment disagreements","Micropayment processing costs may exceed transaction value for very small payments (< $0.01)","Service pricing discovery is service-specific — no standardized pricing format across x402 implementations"],"requires":["x402-compatible service endpoint","Virtual card provisioned for the agent","Stripe account with Issuing product enabled"],"input_types":["service-url (string, x402-compatible endpoint)","payment-terms-request (object with desired pricing model, max-price-per-unit)"],"output_types":["payment-channel (object with channel_id, negotiated_price, payment_credentials)","pricing-info (object with price_per_unit, currency, billing_model)"],"categories":["tool-use-integration","automation-workflow"],"confidence":0.5,"matches":0,"success_rate":0},{"id":"npm-ai-credit-card__cap_5","uri":"capability://data.processing.analysis.agent.wallet.balance.and.transaction.history","name":"agent-wallet-balance-and-transaction-history","description":"Provides agents with real-time access to their virtual card balance, transaction history, and spending analytics. Agents can query current available balance, retrieve past transactions with merchant details and amounts, and analyze spending patterns by merchant category or time period. Data is fetched from Stripe Issuing API and cached locally to reduce latency.","intents":["Check my agent's remaining budget before deciding whether to purchase a service","Retrieve transaction history for cost attribution and billing reconciliation","Analyze spending patterns to detect anomalies or unauthorized transactions","Export agent spending data for financial reporting and auditing"],"best_for":["Multi-agent platforms requiring per-agent cost tracking and billing","Teams needing financial visibility into agent spending for budgeting and forecasting","Compliance-heavy organizations requiring detailed transaction audit trails"],"limitations":["Balance data is cached and may be stale by up to 30 seconds — real-time balance requires fresh Stripe API call","Transaction history is limited to last 90 days by Stripe (configurable retention policy)","No built-in transaction categorization — merchant names and categories come from Stripe's data","Spending analytics require post-processing of transaction data — no pre-computed aggregations","Large transaction histories (1000+ transactions) require pagination and multiple API calls"],"requires":["Virtual card provisioned for the agent","Stripe API key with read permissions for card and transaction data"],"input_types":["card-id (string)","time-range (object with start_date, end_date, optional)","merchant-filter (string, optional)"],"output_types":["balance-info (object with available_balance, pending_balance, currency)","transaction-list (array of transaction objects with merchant, amount, timestamp, status)","spending-summary (object with total_spent, transaction_count, top_merchants)"],"categories":["data-processing-analysis","memory-knowledge"],"confidence":0.5,"matches":0,"success_rate":0},{"id":"npm-ai-credit-card__cap_6","uri":"capability://safety.moderation.card.lifecycle.management.and.revocation","name":"card-lifecycle-management-and-revocation","description":"Manages the full lifecycle of agent virtual cards: creation, activation, suspension, and permanent revocation. Supports immediate card deactivation to prevent further transactions, card replacement with new credentials, and status tracking (active, suspended, revoked, expired). All lifecycle operations are reflected immediately in Stripe's card authorization system.","intents":["Immediately revoke a card if an agent is compromised or behaving unexpectedly","Suspend a card temporarily while investigating suspicious activity","Replace an agent's card with new credentials if the old card is leaked","Track card status and expiration dates for compliance and operational monitoring"],"best_for":["Teams running untrusted agents requiring immediate payment capability revocation","Security-conscious organizations needing rapid response to agent compromise","Multi-agent platforms with dynamic agent lifecycle (creation, deletion, suspension)"],"limitations":["Card revocation is immediate in Stripe but may take 1-2 minutes to propagate to payment networks","No built-in card replacement workflow — requires separate provisioning call for new card","Revoked cards cannot be reactivated — must provision a new card if agent needs payment capability again","No audit log of who revoked a card or why — requires external logging for compliance","Suspended cards still count against Stripe's card limit — revocation is required to free up quota"],"requires":["Virtual card provisioned for the agent","Stripe API key with permissions to update card status"],"input_types":["card-id (string)","action (string: 'activate', 'suspend', 'revoke')","reason (string, optional, for audit logging)"],"output_types":["card-status (object with card_id, status, updated_at, reason if applicable)"],"categories":["safety-moderation","automation-workflow"],"confidence":0.5,"matches":0,"success_rate":0},{"id":"npm-ai-credit-card__cap_7","uri":"capability://automation.workflow.multi.agent.card.portfolio.management","name":"multi-agent-card-portfolio-management","description":"Manages a portfolio of virtual cards across multiple agents, providing centralized visibility and control. Supports bulk operations (provision cards for multiple agents, revoke cards in batch), portfolio-level spending limits and alerts, and cross-agent analytics. Enables operators to manage dozens or hundreds of agent cards from a single interface.","intents":["Provision virtual cards for 100+ agents in a single batch operation","Set portfolio-level spending limits and alerts across all agents","Monitor total spending across all agents and identify high-spending outliers","Revoke all cards for a group of agents (e.g., experimental agents) in one operation"],"best_for":["Large-scale agent platforms managing 10+ agents with centralized financial oversight","Teams needing portfolio-level spending visibility and control","Multi-tenant platforms where each tenant has multiple agents"],"limitations":["Bulk operations are rate-limited by Stripe API (typically 100 requests/second) — very large batches may require queuing","Portfolio-level alerts require external monitoring service — not built into MCP layer","Cross-agent analytics require aggregating data from multiple Stripe API calls — latency increases with portfolio size","No built-in cost allocation across agents — requires external billing system for chargeback","Stripe account limits may restrict total number of cards (typically 10k-100k depending on tier)"],"requires":["Stripe account with Issuing product enabled","Stripe API key with permissions to manage multiple cards"],"input_types":["agent-list (array of agent identifiers)","card-config (object with spending_limit, merchant_restrictions, shared across agents)","portfolio-limit (number, optional, for total spending across all agents)"],"output_types":["provisioning-result (object with successful_count, failed_count, card_list)","portfolio-analytics (object with total_spending, agent_count, top_spenders)"],"categories":["automation-workflow","data-processing-analysis"],"confidence":0.5,"matches":0,"success_rate":0}],"trust":{"score":32,"verified":false,"data_access_risk":"high","permissions":["Stripe account with Issuing product enabled","Valid Stripe API key (publishable and secret)","Node.js 16+ or compatible JavaScript runtime","MCP client compatible with x402 or MPP protocol","Valid virtual card provisioned via autonomous-agent-virtual-card-provisioning capability","Stripe account with Issuing and Payments products enabled","Merchant integration details (merchant ID, amount, currency)","Virtual card provisioned for the agent","Stripe API key with permissions to update card spending controls","MCP-compatible LLM agent framework (LangChain 0.1+, AutoGPT, or custom MCP client)"],"failure_modes":["Requires active Stripe account with Issuing product enabled — not all Stripe accounts have access","Virtual cards subject to Stripe's issuing limits (typically $10k-$100k per card depending on account tier)","Card provisioning latency depends on Stripe API response time (typically 1-3 seconds)","No built-in multi-currency support — cards issued in single currency per agent","Spending limits are enforced at Stripe level, not in MCP layer — requires Stripe configuration for each card","Transaction processing latency depends on merchant and payment network (typically 2-5 seconds)","Declined transactions return error codes but no automatic retry logic — agent must implement retry strategy","No built-in transaction reversal — requires separate refund API call to Stripe","Merchant category code (MCC) restrictions are enforced by Stripe, not configurable per transaction","Real-time balance checking requires additional Stripe API call — not bundled in transaction execution","builder identity is not verified yet","no observed match outcomes yet"],"rank_breakdown":{"adoption":0.06683859166900002,"quality":0.41,"ecosystem":0.6000000000000001,"match_graph":0.25,"freshness":0.6,"weights":{"adoption":0.25,"quality":0.25,"ecosystem":0.1,"match_graph":0.28,"freshness":0.12}},"observed_outcomes":{"matches":0,"success_rate":0,"avg_confidence":0,"top_intents":[],"last_matched_at":null},"maintenance":{"status":"active","updated_at":"2026-05-24T12:16:23.328Z","last_scraped_at":"2026-04-22T08:08:13.653Z","last_commit":null},"community":{"stars":null,"forks":null,"weekly_downloads":233,"model_downloads":null,"model_likes":null}},"distribution":{"claim_url":"https://unfragile.ai/submit?claim=ai-credit-card","compare_url":"https://unfragile.ai/compare?artifact=ai-credit-card"}},"signature":"UYsYKxWec05MdEZlqzOSxNTQslZxrtxNGfiw6kM1y9A1jj1OWXtg6W3nCH9v4c5+GsGbhE/6Qwc1bRo1AJHvBA==","signedAt":"2026-06-19T22:58:20.234Z","signedBy":"unfragile.ai","version":1},"_links":{"self":"https://unfragile.ai/api/v1/passport/ai-credit-card","artifact":"https://unfragile.ai/ai-credit-card","verify":"https://unfragile.ai/api/v1/verify?slug=ai-credit-card","publicKey":"https://unfragile.ai/api/v1/trust-passport-public-key","spec":"https://unfragile.ai/trust","schema":"https://unfragile.ai/schema.json","docs":"https://unfragile.ai/docs"}}