The whole bill
One key covers every line on the invoice
Most agent-payment tools stop at LLM tokens. A voice agent's cost isn't tokens — it's transcription, speech, telephony, search, and reasoning across five vendors on a single call. Floe is the one integration in front of all of it, live today.
One voice call · what it actually coststotal $0.0300
TelephonyTwilio
$0.0072TranscriptionDeepgram
$0.0041LLM / reasoningOpenAI
$0.0127SpeechElevenLabs
$0.0038SearchExa
$0.0022A token router sees 42%
Just the LLM slice — $0.0127 of the call.Floe sees 100%
Every vendor, every line — $0.0300.** Twilio spend is unified onto the same ledger with the same spend caps. Direct Twilio settlement is on the roadmap.
Token routers like OpenRouter meter LLM spend. Floe meters the entire agent bill — speech, telephony, search, compute — so your budgets, caps, and cost analytics cover 100% of what a call costs, not the fraction that's tokens.
Keyless LLM · one key
Every model your agent needs — no per-provider accounts
Point your OpenAI-compatible SDK at Floe, pass your Floe key, and call models pay-as-you-go. No separate account and key for every provider — Floe fronts the vendor and meters it on your one ledger. Fund with a card; your agent never touches a wallet.
→
floe_•••key
Open-weight · live & keyless
LlamaQwenDeepSeekMistralGemmaCommand-R
Served keyless via the Floe gateway, pay-as-you-go — self-hosted and serverless, so no per-provider key to manage.
BYOK optional. Bring your own provider key and pay at cost, or go keyless and let Floe front it.
The Floe Stack
Connect a card. Your agent gets a programmable credit line.
Fund and spend securely from one integration. Works with Vapi, LangChain, CrewAI, OpenAI, Claude, Retell, and anything that speaks HTTP.
01Live
Fund it with a card or bank
Top up your agent in USD from a card or bank in 100+ countries. Visa, Mastercard, Apple Pay, Google Pay. Your agent settles in USDC; 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. Plus a self-serve kill-switch: pause any agent instantly, or let a policy auto-trip it.
→ Pre-call enforcement · kill-switch · auto-trip
03Live
Pay any vendor per call
One key to pay across the marketplace by the call — no subscriptions, no API-key juggling, no 30¢ card floor. Works down to sub-cent. Verify the work before money moves.
→ 36+ services · 8 categories · one key
04Live
Budget awareness your agent acts on
Every paid call returns a budget signal your agent can read (result.budgetAdvisory) — how close it is to its tightest cap, before the hard stop. Your agent downgrades to a cheaper model, trims retrieval depth, or wraps up on its own. You own the policy; the agent owns the decision.
→ Live end-to-end: header + SDK
05Live
One ledger + per-call spend log
Every charge across every vendor and agent lands on one itemized ledger — per call, per vendor, per agent, per customer. Standardized per-call records mean every agent emits the same schema.
→ Itemized ledger · standardized records
06Live
Credit visibility
Your agent can ask what it owes, at what rate, and its health factor — before it borrows again.
→ Balance · rate · health factor
07Soon
Quality-safe spend optimization
Floe will help prove which downgrades are safe, binding spend decisions to outcomes — so you optimize ROI without guessing.
→ In development
08Building
Working capital, not trapped cash
Every call builds portable, per-agent credit history. Today credit is collateralized; as the reputation graph matures, spending authority gets underwritten on behavior and receivables — less capital locked over time.
→ Score live · underwriting in development
One integration → fund, spend, account, and build credit. Your agent just earns and spends — you stay in control.
Built by operators from
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 vendors via pay as you go APIs with hard spend authorization enforced before the money moves — and one ledger across every vendor.
Step 1 · Fund
Connect a card — your agent is funded
Top up from a card or bank in 100+ countries. Visa, Mastercard, Apple Pay, Google Pay.
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 as you go any vendor 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.* Figures as of [DATE]. Internal data.
Pricing
Free to integrate.
$0to integrate
✓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.