An iPhone wallet for AI-agent purchases with one-time credentials, spending controls, and user approval.

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Allowance is an iPhone finance app for people who want AI agents to help with shopping and other purchases without exposing a real card number. It is listed as “Allowance — Agent Wallet” on the App Store, where the developer says you approve every payment, keep earning rewards on your card, and let the app create a one-time payment credential for each purchase. The product is presented as part of the Spring 2026 YC batch. ( apps.apple.com ; ycombinator.com )

On its website, Allowance describes itself as an agent wallet with rules. Users can set spending limits, lock permissions to a specific merchant, let allowances auto-expire, see every transaction logged, and revoke access instantly. The company also says your AI never sees your card number, because Allowance creates a temporary credential for each purchase.…