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.
→ Pre-call enforcement · time-bound limits
03Live
Pay as you go API calls per vendor
One endpoint to pay thousands of vendor 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.
→ 2,000+ payable vendor APIs* · ~50ms
04Live
Spend optimization
Highest ROI for your agent projects.
→ Soon
05Soon
A working capital line, not trapped cash
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
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 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.
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.