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Tokenback is Agentcard’s reward program: a share of every purchase comes back to you as AI spending power. Your tokenback balance grows as your agents spend, and you redeem it onto your rewards card, which works at AI labs (OpenAI, Anthropic, Gemini).

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How tokenback is earned

Tokenback accrues when a charge settles, not when it is first authorized. There are three sources:
  • Every purchase. Personal cards funded from your own balance earn tokenback on all spend, at any merchant — currently 1% of the settled amount. The rate is stamped on each card when it is created, so rate changes never affect cards you already hold.
  • AI card boost. AI cards earn tokenback on eligible AI-lab purchases (OpenAI, Anthropic, Gemini).
  • Company-routed share. Companies that issue cards through Agentcard earn a share of settled card volume, and they can route part of that share to their users as tokenback. If you connected through a company that has this enabled, spending on its cards earns you tokenback automatically.
When a charge that earned tokenback is refunded, the earned amount is clawed back from your balance.
For companies: route part of your interchange earnings to your users by setting the reward share on your dashboard’s Earnings page. Each grant fires a reward.earned webhook to your company.

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Redeeming tokenback

Tokenback is redeemed onto your rewards card: a dedicated card Agentcard mints for you on your first redemption and tops up on every redemption after. It is what makes tokenback AI spending power rather than cashback:
  • AI labs only. The rewards card is merchant-locked to AI labs (OpenAI, Anthropic, Gemini) — charges anywhere else decline at authorization. Your general spend earns tokenback; the reward comes back as AI spending power.
  • Permanent. It keeps the same card number for life: spending it to zero never closes it (it just declines until your next redemption tops it up), it never expires, and it never counts against your plan’s card limits. Put it on file at your AI labs once.
  • Close-protected. Agents and casual closes can’t retire it; closing it requires an explicit confirmation, returns its funds to your balance, and your next redemption mints a fresh card.
The minimum redemption is $5.00 of tokenback. The value always lands in your balance first; if the card delivery is momentarily behind, it is spendable as cash right away and moves onto the rewards card within a few minutes. Check your balance and redeem from any of these surfaces:
  • Dashboard: the Tokenback page shows your balance and activity, and lets you redeem.
  • MCP: get_rewards returns the balance and recent activity; redeem_rewards redeems it.
  • CLI: agent-cards rewards shows the balance; agent-cards rewards redeem redeems it.
Redeeming tokenback directly for AI-lab API credits is planned.