P-01|
Shopping & Procurement
E-commerce spend limits & merchant controls
Gate checkout so only authorised agents, approved merchants, and within-budget amounts pass to your existing payment flow.
OpenCard use cases in production
Built for true
agentic commerce
See how teams use OpenCard to authorise, govern, and audit agent spend across procurement, SaaS, travel, cloud, and cross-border payment workflows — from agent-to-agent collaboration to dispute resolution.
P-02|
SaaS & Subscriptions
Subscription change & renewal guardrails
Enforce who can add/upgrade tools, per-tool monthly caps, and vendor allowlists before billing changes happen.
P-03|
Travel & Booking
Travel budget & policy enforcement
Cap per-trip budgets, restrict to approved airlines/hotels, and escalate out-of-policy bookings for human approval.
P-04|
Cloud & Infrastructure
API credit & cloud cost control
Govern top-ups with per-agent caps and provider allowlists — no more runaway cloud bills from autonomous agents.
P-05|
Marketing & Growth
Ad budget enforcement for agent campaigns
Enforce per-campaign, per-channel, and per-agent budgets before any ad platform API is called.
P-06|
Global Vendor Payments
Cross-border spend pre-authorisation
Check agent role, amount, currency, and region rules before any FX or cross-border rail is triggered.
P-07|
Machine-to-Machine
Agent-to-agent charge request governance
Govern inter-agent charge requests — enforce budgets and relationship rules before any obligation is recorded.
P-08|
Mandate-backed Card Issuance
Virtual agent cards per mandate
Issue a virtual card scoped to each agent mandate for direct execution.
P-09|
Multi-agent Orchestration
Shared mandate, split settlement
Govern complex workflows where an orchestrator delegates spend to multiple sub-agents.
A2A-01|
Agent-to-Agent
Travel booking between agents
A consumer's travel agent interacts with a booking agent on behalf of an airline to complete a transaction — negotiating availability, pricing, and payment in real time.
A2A-02|
Agent-to-Agent
Collaborative app development
Two specialised agents working together on a mobile app — one focused on design and one on software development — need to pay each other for their respective contributions.
A2A-03|
Agent-to-Agent
Website building via sub-agents
A general-purpose agent tasked with "build this website" routes sub-requests (design, engineering, product marketing) to specialised agents owned by different companies, each requiring real-time payment for their work.
A2B-01|
Agent-to-Business
Personal shopping agent
A personal shopping agent makes a purchase through a legacy business payment processing system via a browser agent — bridging autonomous commerce with traditional checkout flows.
A2B-02|
Agent-to-Business
Construction contractor payment
A construction management agent hires an electrician for new construction electrical wiring and remits payment via ACH — handling vendor selection, scope negotiation, and settlement.
A2B-03|
Agent-to-Business
Logistics freight settlement
Logistics agents that negotiate trucking rates but currently can't settle freight charges automatically — a bottleneck OpenCard can resolve with programmable payment rails.
A2B-04|
Agent-to-Business
Property management payments
Property management agents that coordinate maintenance requests across multi-family buildings but still rely on humans to manually send payments to contractors in real time.
A2B-05|
Agent-to-Business
Procurement vendor payments
Procurement agents that can source, evaluate, and negotiate with vendors — but can't finalise vendor payments without human intervention, slowing the entire supply chain.
A2B-06|
Agent-to-Business
House painting service hiring
An agent tasked with hiring someone to paint a house needs to evaluate the legitimacy of service providers, compare quotes, and remit payment — all autonomously.
A2C-01|
Agent-to-Consumer
Personal finance management
An agent given access to manage someone's personal finances fulfils peer-to-peer payments to other individuals for non-business purposes — replacing today's Venmo or Zelle transactions with governed, auditable transfers.
DW-01|
Distribution & Workflow
Construction project payouts
An agent responsible for scheduling, coordinating, and paying out contractors on a new construction project uses stablecoin wallets. The contractor receives an email to complete KYB and withdraw funds — no counterparty opt-in needed upfront.
DW-02|
Distribution & Workflow
AP/AR automation wedge
A founder or bookkeeper currently tracks invoices over email, copies payment details, and schedules payments manually. An agent uses OCR for invoice parsing, optional human-in-the-loop approval, and controllable wallets to execute payments automatically.
DW-03|
Distribution & Workflow
Invoice fraud prevention
Inspired by the real case where someone scammed Facebook and Google out of over $100 million by sending fake invoices — agents with better verification can prevent this class of attack entirely.
DR-01|
Dispute & Risk
Flight booking gone wrong
An agent books a flight with a 12-hour layover and no refund available, when the user would have preferred a direct flight. This raises the question of who mediates the dispute and holds liability — OpenCard's governance layer provides the answer.
DR-02|
Dispute & Risk
Fraud detection breakdown
A human who normally makes ~$50 transactions at ~40 merchants around New York suddenly has an $8,000 purchase attempted in Milwaukee. Current fraud models catch this, but agent transaction patterns behave differently and break existing controls.
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