mcp__agent-cards__* in your client. Amounts are in cents (e.g. $25 = 2500); always display them back as dollars.
Tools marked advanced are not advertised in the default
tools/list but remain callable by name; browse the full surface with agent-cards api tools --all. The granular buy_* shopping tools are hidden the same way behind the conversational buy tool.Getting started
| Tool | Purpose |
|---|---|
get_instructions | Return the current usage guide — call this first. |
whoami | Show which account this session operates: email, name, plan, KYC + account status, and whether it’s a personal login or a third-party OAuth connection. |
submit_user_info | Submit the one-time basics (phone number, terms_accepted) required before the first card. |
link_account | Add another email or phone, or merge a second Agentcard account you own (two-step one-time code; the identity-verified account survives). The fix for a duplicate-identity KYC rejection. See Linking accounts. |
list_pending_approvals | List the approval requests waiting on your decision (the asks from connected apps). The agent surfaces them; you decide. |
approve_request | Approve or deny a pending approval request. |
Identity verification (KYC)
Conversational identity verification — see KYC & approvals.| Tool | Purpose |
|---|---|
start_kyc | Start (or resume) identity verification; returns the next step or a secure verification link. |
get_kyc_status | Poll the verification status until it lands. |
submit_kyc_document | Submit a photo of the government ID (front, and back when asked). |
check_kyc_document | Check what the submitted document was read as. |
submit_kyc_fields | Fill any fields the document didn’t cover. |
complete_kyc_transfer | Advanced. One-time migration for accounts verified under the legacy flow (before July 2026) so funding can reuse the verification. |
Cards
| Tool | Purpose |
|---|---|
list_cards | List all cards with IDs, last four, expiry, balance, and status, including (under the shared wallet) cards other connected apps minted. |
create_card | Create a new virtual Visa card (amount_cents; funded from your balance, or minted against your attached card when you have one; source: "issued" forces the balance). |
attach_card | Attach your own Visa card so purchases charge it directly, with no KYC and no balance funding. Two-phase: send the user the secure link, then call again to confirm. |
list_attached_cards | List the attached-card enrollments; the newest active one is the default mint target (create_card picks one via connected_card_id). |
remove_attached_card | Unenroll an attached card (virtual cards minted against it close first). Always confirm with the user. |
get_card_balance | Check a card’s live balance without exposing credentials. Renamed from check_balance in July 2026. |
get_card_details | Get decrypted PAN, CVV, and expiry (may require approval). |
pause_card / resume_card | Reversibly block and unblock charges on a multi-use card. |
update_card_limit | Raise or lower a multi-use card’s total limit. |
close_card | Permanently close a card (irreversible). |
list_transactions | Transactions with amount, merchant, status, and timestamps: one card with card_id, or the whole account without it. |
list_all_transactions | Advanced. The account-wide flat list (now folded into list_transactions). |
list_transactions_by_payment_method | Advanced. Transactions grouped by payment method — balance (USDC) spend, saved-card spend, test spend, and Apple Pay / Google Pay deposits — with merchant info and the buy order behind each purchase. |
Balance
| Tool | Purpose |
|---|---|
get_balance | Show the cash balance (sets the account up on first use). Renamed from get_wallet in July 2026. |
add_funds | Add USD via Apple Pay / Google Pay — returns a checkout link for the user. Sends the phone verification code automatically when one is needed. Renamed from fund_wallet in July 2026. |
start_phone_verification | Re-send the funding one-time code (fresh for 60 days once verified). |
verify_phone | Check the one-time code the user reads back. |
redeem_code | Apply a promo code and credit the balance (once per user per code). |
list_codes | Advanced. Show which promo codes the user has used and which are still available to retry. |
submit_funding_profile | Advanced. One-time funding questionnaire (five multiple-choice answers) so funding checkouts skip the provider’s own. |
create_withdrawal_recipient | Save a bank account as a withdrawal destination (US ACH, or international IBAN + SWIFT; some countries need one extra field like IFSC/CLABE/BSB). |
list_withdrawal_recipients | List the saved bank destinations, masked (bank name and last four only); use an id as recipient_id with withdraw. |
withdraw | Withdraw to the saved bank account, or as USDC on Base with destination_address. Processed manually by the Agentcard team, usually within 1-3 business days; the user is emailed at each step. Renamed from withdraw_wallet in July 2026. |
Payment methods
| Tool | Purpose |
|---|---|
setup_payment_method | Save a payment method via Stripe (charged only for flight bookings). |
list_payment_methods | List saved methods (id, brand, last4, expiry); marks the default. |
set_default_payment_method | Advanced. Choose which saved method is charged for flight bookings. |
remove_payment_method | Advanced. Remove a saved payment method. |
Plans
| Tool | Purpose |
|---|---|
get_plan | Show current plan, per-card cap, monthly usage, and upgrade options. |
upgrade_plan | Start a Stripe Checkout to upgrade (Basic or Pro). |
cancel_plan | Advanced. Cancel the active paid subscription (revert to Free). |
Rewards
| Tool | Purpose |
|---|---|
get_rewards | Show the tokenback balance and rate. See Rewards. |
redeem_rewards | Redeem tokenback (1 token = 1 cent) as balance credit. |
Shopping (buy)
The conversational buy tool runs the whole shop-and-checkout flow; the granular buy_* tools back it and are hidden by default. See the Shopping guide.
| Tool | Purpose |
|---|---|
buy | Natural-language shopping: describe a purchase and it runs the flow. |
surprise_me | Buy the user something fun under a dollar cap, through the same buy flow. |
buy_list_merchants | List merchants and link status. |
buy_connect / buy_connect_status | Link a merchant account with a hosted connect link, then poll until it lands. |
buy_link_merchant / buy_confirm_merchant / buy_unlink_merchant | Link (credential flow), confirm, or disconnect a merchant. |
manage_subscription | Manage a merchant subscription (e.g. skip a delivery, change a setting). |
buy_search_stores / buy_select_store | Find and scope to a store within a multi-store merchant. |
buy_search_products | Search a linked merchant for products. |
buy_add_to_cart / buy_set_item_quantity / buy_remove_from_cart / buy_view_cart / buy_clear_cart | Build and inspect the cart. |
buy_set_budget | Set a spend budget. |
buy_checkout | Place and pay for the cart. |
buy_order_history / buy_reorder / buy_track_order / buy_set_substitution | Review, re-create, track orders, and set out-of-stock preferences. |
buy_addresses / buy_set_default_address | List and set delivery addresses. |
Settings
| Tool | Purpose |
|---|---|
get_settings | Show notification and authorization preferences. |
update_settings | Advanced. Change email notification preferences (the dashboard is the primary surface). |
Support
| Tool | Purpose |
|---|---|
start_support_chat | Open a new support conversation. |
send_support_message | Send a message in a conversation. |
read_support_chat | Read a conversation’s message history. |
Connected apps
| Tool | Purpose |
|---|---|
list_connections | List third-party apps connected to your account. |
revoke_connection | Disconnect one of them (its tokens stop working). |