Cards and Wallet: Spend Cards for People and Agents
A walkthrough of the Cards and Wallet app: virtual cards with spend controls, freezing, wallet balances, transactions, split payments and the merchant map.
Yantra Team3 min read
On this page
A company card is a spending limit with a name on it. Cards and Wallet lets you hand those limits to people on your team and to the agents that buy things for you, and see where every dollar went.
Open it
Pick Cards & Wallet in the apps launcher, or say "list my active cards with their spend limits". The app opens beside the chat and owns it while it is open. The tabs are Cards, Wallet, Activity, Holders, Order, Splits, Merchants and Visibility.
Start with a cardholder
Cards and orders attach to a cardholder, so Holders comes first. Add cardholder needs a first and last name, an email and a complete billing address. A phone number is optional, and a code is texted to confirm it before it is saved.
Order a card
On Order, pick the cardholder and the wallet the card is funded from. Card type is Virtual; physical cards are marked as coming soon. Choose the brand, an optional name on the card and a note for whoever fulfils the order. Under Spend controls, set a limit and the period it resets: daily, weekly, monthly, quarterly, yearly or all time. An order is approved or rejected, and Activate & issue card turns it into a live card.
Run the cards
Cards shows every card with its cardholder, type, expiry, limit and status, plus the combined limit and what is still available across all of them. Freeze and Unfreeze are one click. If the issuer has not confirmed a change, the card is labelled as unconfirmed and possibly still live, rather than shown as frozen when it may not be.
Save to vault stores an active card so agents can pay with it. That is the card the agentic checkout skill uses to pay in your browser.
The wallet
Wallet accounts hold the balance your cards draw from. Connect a bank through Plaid to add one. Top up adds funds, and Sync spend pulls settled card spend from the issuer so the balance matches what was actually spent.
See where the money went
Activity lists transactions with filters for status and type, money in and money out, a daily spend chart and totals for spend, refunds and pending charges. You can group by category or select pending transactions to post them.
Splits shows shared payments split between cardholders and how they settled. Merchants is the merchant map: spend by merchant, and where it happened. Visibility controls what each card exposes, its number, balance and transactions, and who can see it across the workspace.
From chat
- "What are my wallet balances?"
- "Freeze the card ending 0252."
- "Issue a $25 agent card for agent research-bot, task price-check."
- "Reconcile provider spend into my main wallet."
Two rules the assistant follows. The amount on a card is a spending limit, not a deposit, and there is no top up from chat; ask to load a card and it offers to set the limit instead. And freezing is reversible while cancelling is permanent, so "stop" or "block" freezes the card and mentions that cancel exists.
On a phone, the app opens a simpler view for agent cards: pick an amount, pay through Stripe, and the virtual card is saved to your vault.
What it is not
Receipts and reimbursement claims belong in Expenses. Pricing and subscriptions for what you sell are Billing. Finding the product before an agent pays for it is Shopping.