Codesmith
한국어

Allowance by Codesmith

All systems operational

Payment infrastructurefor AI agents.

Agents can already find the product, compare prices and fill in the checkout. Allowance lets them pay: inside a mandate the person signed, for the task they actually asked for, settled exactly once.

Get startedHow it works
180K+
agent payments checked
3,200
active spend mandates
60+
businesses paid by agents
agent session · allowance
taskRenew our Figma seats, and book the cheapest Seoul–Tokyo flight under $400 for Oct 21.
  1. allowance.payfigma.com · 180.00 USD
  2. mandatesoftware · $500/mo · signed j.woo
  3. intentmatches “renew our Figma seats”
  4. settled180.00 USDC · ledger #48213
  5. allowance.payair.example · 412.00 USD
  6. intent$412 is over “under $400” in the task
1 approved1 held for approval
$1.2M+
settled through Allowance
0.9s
median intent check
99.98%
uptime, last 90 days
0
duplicate settlements

The problem

Agents can do the work. Nobody can trust them with the card.

A card is all or nothing

Give an agent a card number and it can spend anything, anywhere. Give it nothing and the task dies at checkout.

Limits don't know the task

A $500 cap can't tell a seat renewal from a wrong flight. Whether a payment is right depends on what the person asked for.

Machines pay per call

Agents buy APIs, data and compute a fraction of a cent at a time. Card rails were never built for a million $0.002 payments.

How it works

Every payment passes three checks before money moves.

The agent never holds a card. It holds a mandate, and Allowance decides each payment against it.

  1. 01

    Mandate

    The person signs a spend policy once: budget, merchants, categories, a cap per payment, an expiry. The agent carries the mandate, not the money.

    mdt_7Hq · ed25519 signed

  2. 02

    Intent check

    Claude reads the delegated task, the cart and the merchant, then approves, holds the payment for a human, or refuses it. The reason is written down.

    approve · hold · refuse

  3. 03

    Settlement

    Approved payments settle in stablecoins or through card partners into a double-entry ledger. A retrying agent cannot pay twice.

    idempotent · double-entry

  4. 04

    Audit trail

    Each decision keeps the task, the mandate version, the model's reason and the ledger entry, so anyone can see why money moved.

    task → reason → entry

Developers

Paying becomes one tool call.

Allowance is a remote MCP server. Add it to Claude Code, the Claude Agent SDK or your own agent loop, and paying becomes a tool call. The sandbox mandate below works right now, from any MCP client or plain HTTP.

Give an agent a wallet.mcp.json
{
  "mcpServers": {
    "allowance": {
      "type": "http",
      "url": "https://mcp.codesmith.work/allowance",
      "headers": {
        "Authorization": "Mandate mdt_sandbox"
      }
    }
  }
}

// mdt_sandbox is a public sandbox mandate: try it now
// tools: mandate · quote · pay
Or call it over HTTPshell
curl https://mcp.codesmith.work/allowance \
  -H "Authorization: Mandate mdt_sandbox" \
  -H "Content-Type: application/json" \
  -d '{"jsonrpc":"2.0","id":1,"method":"tools/call",
       "params":{"name":"pay","arguments":{
         "task":"Renew our Figma seats",
         "merchant":"figma.com","amount":180,
         "currency":"USD","category":"software"}}}'

# Claude checks the payment against the task, then it settles:
# "status": "approved", "receipt": { "ledger_entry": "led_…" }

Built on Claude

Claude decides whether a payment matches the job.

  • Judgment, not a rules table

    Spend limits are code. Whether a $412 flight fits “under $400, cheapest” is judgment. Claude makes that call on every payment and explains it.

  • Tested on real payment flows

    We evaluate the intent check on payment sessions replayed from the rails we operate, including the ones that should be refused.

  • MCP-native

    Any Claude agent that speaks MCP can pay. The same server runs locally for Claude Code and remotely for production agents.

In production

Built on payment rails that already move real money.

Codesmith designs and operates payment systems for online businesses. Allowance settles on the same infrastructure.

Landfalllive

Crypto payment infrastructure for online businesses. A deposit address per customer, crediting exactly once, sweeps, refunds and the ledger behind them.

landfallpay.com
MaruPaylive

Korean gift voucher payments for online services, with settlement computed from every payment for each merchant.

marupay.app

Company

A small team in Seoul that runs money systems for a living.

We have run payment infrastructure since 2025. Allowance grew out of it in 2026 and now checks agent payments for teams building on Claude.

Company
Codesmith
CEO
Suchan Yoo
Business registration
201-22-94229
Location
Seoul, Republic of Korea
Contact
hello@codesmith.work

Building an agent that needs to pay?

Sign a mandate, connect the MCP server and make the first payment in minutes. For anything larger, our team will help you set it up.

Talk to our team