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YC SP26 · Active

Allowance

The spend control layer for AI agents

Class
Spring 2026
Status
Active
Industry
Fintech
Location
San Francisco, CA, USA
Team size
1

Website

https://useallowance.com/

About

Allowance lets AI agents make purchases on a user’s behalf without ever exposing your real card number. Users approve purchases directly from their iPhone with customizable controls like spending limits, merchant restrictions, and expiration windows. Once approved, Allowance generates scoped, one-time payment credentials designed specifically for that transaction. This enables AI agents to safely complete tasks like shopping, ordering food, booking reservations, or purchasing tickets while keeping humans in control of every payment.