The First Debit Card for AI Agents

Karen Serfaty had a job offer from Stripe.

She turned it down to make debit cards for AI agents instead.

If you think that sounds insane, you have not watched what happens when an agent tries to spend money. The workflow today: agent researches, plans, decides. Then it hands checkout back to you because it has no wallet. The most valuable step in the transaction is the one the agent cannot take.

Serfaty and Felipe Abello built Agentcard — a debit card API for agents. Fund a wallet. Set a budget. Issue one-time cards that auto-close after a single charge. Blast radius: one capped card, not your bank account.

Agents are already using it to pay for OpenAI, order DoorDash through Claude, and buy cloud infrastructure. Serfaty demoed an agent saying "buy me sushi" and the entire pipeline ran — search, cart, checkout, payment — inside the conversation.

The founders have scars for this. Serfaty was CEO at Atlas (acquired by Remote.com), then GM of Cards at Remote. Abello was first employee at Rappi (YC W16) and second-time YC founder with HelloGuru (W22). Tyler Bosmeny is their YC partner.

It works over MCP, CLI, or API. Any agent. Any workflow.

The next bottleneck for agents is not intelligence. It is agency. The ability to act in the real world — spending real money. Agentcard is the infrastructure for that last mile.