pc-ai / platinumcard.ai

Which card fits — before the agent pays

Declare · Enforce · Optimize

Validate checks the declaration. Rank applies it to a transaction. To integrate, read llms.txt.

Banks don't do what we do. Cards can't do what we can.

Not a bank. Not an issuer. Not a lender.

What happens

An agent approaches pay or book. It declares which cards it may use and under what limits. We check the declaration, then — for partners — rank which eligible card (if any) fits this moment. Multi-issuer. Non-custodial. The money never passes through us.

How to think about it

For a deeper read: a weigh station for agents that spend — not a toll, and not a fine booth. Agent runtimes are the highway; they move the work. We sit beside them with the rulebook: which cards, which limits, which categories, when a human must approve. Eligible? It rolls with the card that fits. Not eligible? A clear no, with a reason. We never touch the freight and we never touch the money.

What we are

A software protocol. An open schema for declaring a card portfolio and the constraints on it — limits, categories, approval thresholds.
A validator. A public endpoint that checks a declaration against the schema and rejects anything carrying secrets.
Issuer-neutral by design. Networks and tiers are generic fields, not brands.
Built on an open format. Portfolios are an extension of the .fafa agent card standard.

Partners & Pilot

Validate (free, public) checks that a portfolio declaration is well-formed. Rank (partner, keyed) recommends which card to use for a specific transaction.

Free live pilot. Run Rank on real transactions for up to 60 days. No card needed to start.

2,000 live ranks included. Past that, each rank is $0.02.
A live key. The same registry and the same answers production gets.
Setup help. We help you send your first portfolio and read your first responses.

We ask for a named technical contact and your feedback while you build. After 60 days, pick a plan, or your keys go back to test-only. Plans start at $299 per month, with 10,000 ranks included.

Want to start today? A test key takes one email. It lasts 30 days, never bills, and allows 6 requests per minute. Same Rank, same response shape.

To start, email team@platinumcard.ai with your company, what your agent buys, and the person we should work with. Help guide what we build.

Try it

Public validation stores nothing and returns a verdict. POST a portfolio to check that the declaration is well-formed. Limits in the example must be numbers; this call checks that, and does not evaluate a payment.

curl -X POST https://validate.platinumcard.ai \
  -H 'content-type: application/json' \
  -d '{
  "version": "0.1.1",
  "cards": [
    {
      "id": "amex-plat",
      "network": "amex",
      "product_tier": "platinum",
      "status": "active",
      "constraints": {
        "per_transaction_limit": 1200,
        "allowed_mccs": ["3000-3299", "4511", "5812"]
      }
    },
    {
      "id": "chase-reserve",
      "network": "visa",
      "product_tier": "infinite",
      "status": "active",
      "constraints": {
        "per_transaction_limit": 2000
      }
    }
  ]
}'

Returns {"valid": true, "card_count": 2, ...} or {"valid": false, "errors": [...], ...}. The response shape is unstable and versioned 0.1.1. Every response carries the disclaimer above. Declarations containing secret-like fields (card numbers, API keys, bank details) are rejected immediately, not stored.

See the full portfolio schema or read llms.txt for integration guidance.

What we're not

Not a bank — we hold no funds and open no accounts.
Not a card issuer — we issue no credit products of any kind.
Not a lender — no credit is extended, ever.
Not affiliated with any issuer — including American Express, Visa, Mastercard and Discover. No endorsement or partnership is implied.
Not a payment processor — no transaction ever passes through us.
Not financial advice — nothing here is a recommendation about credit products.

Generic fields, not brands

A portfolio describes cards the way software should — as data. Tier and network are plain enumerated values, and every network is treated alike.

network:      visa | mastercard | amex | discover | other
product_tier: platinum | gold | infinite | signature | other

visamastercardamexdiscoverother

On the word "Platinum"

"Platinum" has been a generic industry tier descriptor since the American Express v. Visa / First USA litigation settled in 1996–97. This project uses it in exactly that sense — a product-tier value alongside gold, infinite and signature — and not as a reference to any issuer's product.