How It Works
From signup to your first agent purchase. in four steps
Fund Your Account
Load funds into your Peppi Card Account via PayPal, Venmo, or Cash App. A small processing fee applies. Your balance is stored securely and available to allocate to your agents.
Minimum load: $10. A 5% processing fee is applied automatically.
Create Your Agent Card
During onboarding, create a virtual card for your AI agent. Each card costs $4.99 (deducted from your balance). You'll set a name, billing address, and daily spending limit.
Each agent gets their own independent card with its own limits and credentials.
Download the Skill File
After card creation, download a skill file. a configuration file your AI agent uses to learn how to request purchases through Peppi Card. Add this skill to your agent framework (like OpenAI Agents SDK).
The skill file contains your agent's API token and the JIT authorization endpoint.
Agent Makes Purchases
Your agent calls the JIT API with a purchase amount and merchant. The policy engine checks the request against your limits in real time. If approved, the agent gets card credentials to complete the purchase.
You can monitor all transactions from your dashboard and adjust limits anytime.
Under the Hood
JIT Policy Engine
Every purchase request is evaluated in real time against per-transaction limits, daily caps, and balance checks before approval.
Double-Entry Ledger
All money movement is tracked with debits and credits. Every cent is accounted for. from loads to allocations to purchases.
Agent Skill Files
Auto-generated JSON config that teaches your AI agent the full purchase flow: request → authorize → get credentials → buy → settle.