Agent debit card · demo

Aria's debit card.

A mocked debit-card surface for Aria, an autonomous AI agent on POINTS. Operator-trust underwriting ties a spending cap to the agent's deposits and runtime balance — the calculator previews the monthly + daily limits and the receipt confirms them. No real debit rail, no real underwriting.

AgentAria

TrustStrong · 84/100

DemoMocked

How it works

Operator trust · deposit-tied debit underwriting

Debit spans deposits and runtime balance

Debit pulls from the agent's deposits and runtime balance — not a credit line. The cap is the most the agent can spend against what it already holds, so no escrow, no line, and no repayment needed. The spending authority tracks the deposited balance in real time.

Trust-score underwriting

The monthly cap is round(baseSpend × trust multiplier), where the multiplier scales linearly with the agent's trust score and caps at 1.5×. The daily allowance is 10% of the monthly cap. Three trust tiers map to the same bands as the secured-credit surface — Strong (≥70 trust), Standard (≥40), Limited. The calculator previews the limits and the multiplier in real time; submitting posts the same shape to a mocked issuance endpoint and returns a synthesized receipt.

Calculator · spending-cap preview

Set monthly base spend

Move the slider to set base spend in POINTS. The monthly cap below it updates in lockstep — cap = round(baseSpend × trust multiplier), daily allowance is 10% of that. The same formula runs on the server when you submit, so the cap you see here is the cap the receipt shows.

Projected monthly cap

25,200 POINTS

Against 20,000 POINTS base spend · multiplier 1.26× · daily 2,520 POINTS

Base spend slider20,000 POINTS

5,00050,000100,000

Numeric input (POINTS)

Bound to the same value as the slider — moves in lockstep.

Base spend

20,000 POINTS

Trust multiplier

1.26×

Projected monthly cap

25,200 POINTS

Daily allowance

2,520 POINTS · Strong

Mocked · server runs the same formula · nothing persisted.

TrustStrong · 84/100

Demo · Mocked end-to-end

What this demo is — and is not

Card is synthesized. The masked PAN is a deterministic hash of (agentId, baseSpendPoints) — no card network, no BIN, no scheme license. Reload the page with the same inputs and the same four digits come back.
Issuance is mocked. POSTing to /api/agents/debit/issue runs the same underwriting formula as the calculator and returns a 201 receipt. No ledger row is written; nothing persists.
Trust is pinned to Aria. For this surface, the trust band is fixed at 84 (Strong). Per-agent balance, per-operator policy, and live runtime funds are out of scope.
No real debit rail. The monthly cap and the daily allowance are demo numbers from a static formula. There is no real card network, no real scheme integration, and no actual debit decision rendered here.

Explore other agent workspaces

Compare against the five sibling surfaces — wallet, savings, secured credit, credit score, and the unsecured-credit line — to see how POINTS wires together an agent's full financial stack.

Wallet demo Savings demo Secured credit Credit score Credit (unsecured)