The Floe Stack
Connect a card. Your agent gets a programmable credit line.
Fund, spend, and borrow from one integration — and every transaction builds your agent's credit history, so its spending power grows as it earns trust. Works with AgentKit, LangChain, CrewAI, OpenAI, Claude, and anything that speaks HTTP.
01Live
Fund it with a card — no crypto
Top up your agent in USDC from a card or bank in 100+ countries. Visa, Mastercard, Apple Pay, Google Pay. Your agent settles in stablecoins; you never touch a wallet or a seed phrase.
→ 100+ countries · Visa · Mastercard
02Live
Spend caps it can't blow past
Set hard limits per agent, per vendor, per task — enforced before the call, not on next month's invoice. Stop a runaway agent at $1 instead of discovering a $400 loop after the fact.
→ Pre-call enforcement · time-bound limits
03Live
Pay any API, per call
One endpoint to pay thousands of paid APIs by the call — no subscriptions, no API-key juggling, no 30¢ card floor. Works down to sub-cent. Verify the work before money moves.
→ 13,000+ payable APIs* · ~50ms
04Live
A credit line, not trapped cash
Stop pre-funding vendors and locking up 60–70% of your working capital. Borrow against your balance in one API call — instant, gas-free, settle later.
→ 3,000+ credit lines issued*
05Soon
Credit without the collateral
As your agent builds a repayment track record, we extend spending authority underwritten on its behavior and receivables — so less of your capital sits locked as collateral over time.
→ Underwritten on behavior + receivables
06Building
Portable credit history
Every repayment builds a reputation signal tied to your agent — identity, cashflow, repayment record. The data layer that lets you (and others) underwrite an agent without starting diligence from scratch.
→ Reputation graph · agent-keyed
One integration → fund, spend, borrow, and build credit. Your agent just earns and spends — you stay in control.
Built by operators from
$ npm install floe-agentcopyimport { floeActionProvider } from "floe-agent";
const loan = await agentkit.invoke("instant_borrow", {
borrowAmount: "5000000000", // $5,000 USDC
collateralAmount: "2000000000000000000",
maxInterestRateBps: "1200", // up to 12% APR
duration: "2592000", // 30 days
});How it works · The full financial loop
Pay any vendor per call. Authorize every dollar. Bill it from one place.
Connect a card and your agent can pay thousands of APIs by the call, with hard spend authorization enforced before the money moves — and one ledger across every vendor. Draw a credit line when you need working capital. No crypto to manage.
Step 1 · Fund
Connect a card — your agent is funded
Top up in USDC from a card or bank in 100+ countries. Visa, Mastercard, Apple Pay, Google Pay. Your agent settles in stablecoins under the hood; you never touch a wallet or a seed phrase.
Visa · Mastercard · Apple/Google Pay · 100+ countries
// USDC liquidity in. Global access out.
IN → Agent Wallet → OUT
──── ────
Cards Virtual cards
Bank transfer Bank accounts
Apple Pay Local payouts
Google Pay On-chainStep 2 · Pay
Pay any API, per call — Floe settles the vendor
Send any URL through the Floe proxy. Floe pays the vendor, settles instantly, and debits your agent’s ledger — down to sub-cent, with no 30¢ card floor. The agent just gets its response back; it never touches the payment layer.
13,000+ payable APIs* · ~50ms signing
// Agent sends the target URL - that's it
await fetch("https://credit-api.floelabs.xyz/v1/proxy/fetch", {
method: "POST",
headers: { "Authorization": `Bearer ${apiKey}` },
body: JSON.stringify({
url: "https://api.anthropic.com/v1/messages",
method: "POST",
body: payload
})
});
// → Floe settles the vendor, debits your ledger,
// returns the response. No wallet, no SDK.
// Response header: X-Floe-Payment-AmountStep 3 · Authorize
Set spend authorization it can’t blow past
Hard limits per agent, per vendor, per task — optionally time-bound — enforced before the call, not on next month’s invoice. Stop a runaway agent at $1 instead of discovering a $400 loop after the fact.
Pre-call enforcement · per-agent · per-vendor · time-bound
// Authorize spend at the agent + vendor level
await fetch("https://credit-api.floelabs.xyz/v1/spend-controls", {
method: "POST",
body: JSON.stringify({
agentId: "agt_research_01",
dailyCapUsd: 50,
perCallCapUsd: 2,
vendors: ["anthropic", "pinecone"], // allowlist
expiresAt: "2026-06-30T00:00:00Z"
})
});
// Any call over the cap or off the allowlist is
// rejected BEFORE money moves - a 402, not a bill.Step 4 · Bill
One ledger across every vendor
Every payment — across all your APIs and all your agents — lands on one itemized ledger. Per-call cost, per-vendor totals, per-agent and per-customer attribution. The spend visibility card-based and per-provider billing can’t give you.
Per-call · per-vendor · per-agent · per-customer
// Unified spend ledger, filterable by agent
const feed = await fetch(
"https://credit-api.floelabs.xyz/v1/developer/activity?agentId=agt_research_01"
)
// Returns an itemized, unified stream:
// [
// { vendor: "anthropic", call: "messages",
// costUsd: 0.012, ts, agentId, customerId },
// { vendor: "pinecone", call: "query",
// costUsd: 0.003, ts, agentId, customerId },
// ...
// ]
// Roll up by vendor, agent, or customer to bill.Step 5 · Credit
Draw a credit line when you need working capital
Need more runway than your balance? Deposit USDC and borrow against it — up to ~95% in the same-token market, fixed rate, gas-free, isolated position. One call to borrow, one to repay; collateral auto-returns in the same transaction.
Live today · collateralized · up to ~95% · 3,000+ lines*
// Deposit USDC, borrow against it - one call
const loan = await instant_borrow({
borrowAmount: 5000, // USDC
collateralAmount: 5260, // USDC (≈95% LTV)
maxRate: 0.12, // 12% APR ceiling
maxTerm: "7d",
});
// → USDC in seconds, fixed rate, isolated
// Repay any time - collateral auto-returns
await repay_credit({ loanId: loan.loanId });
// → Pro-rated interest if earlyStep 6 · Build trustBuilding
Every repayment builds credit history
Each repaid loan adds to your agent’s credit record — repayment history, cashflow consistency, a reputation score. The data layer that will let you, and eventually other services, underwrite an agent without re-running diligence — so over time less of your capital sits locked as collateral.
Reputation graph · building
// Illustrative agent credit profile
Loans repaid 24
Repayment rate 100%
Avg repayment 4.2 days early
Cashflow score A-
Available limit $50,000
// → Better terms unlock as your agent builds history* Figures as of [DATE]. Internal data.
Pricing
Free to integrate. Pay nothing until your agent borrows.
5%of interest or financing paid
✓No subscription
✓No minimums
✓No seat fees
✓No markup on the APIs you call
Meet the team
Who's behind Floe
Alex Christian
Co-founded DataMynt. Former Airwallex, Western Union, eBay.
Shivam Chaturvedi
Co-founded DataMynt. Previously CTO Kado.money (Acquired),
Founding engineer at Transak.
We built Floe because financial independence for agents is a precursor to full autonomy and long-running agents that do things without a human user.