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Karma Card: Agentic Credit Cards

Programmable credit card infrastructure for AI agents, built on Solana.

Base URL: https://agents.karmapay.xyz

What is this?

Karma lets you create virtual credit cards funded by USDC on Solana. Each card gets its own deposit address. Send USDC, agent spends with the card. Withdraw anytime.

Quick Start

bash
# 1. Register
curl -X POST https://agents.karmapay.xyz/api/register \
  -H "Content-Type: application/json" \
  -d '{"email":"you@example.com"}'
# Returns: { account_id, secret_key: "sk_live_..." }

# 2. Start KYC — no request body needed (zero PII touches your API)
curl -X POST https://agents.karmapay.xyz/api/kyc \
  -H "Authorization: Bearer sk_live_..."
# Returns: { status: "pending_verification", kyc_url: "https://in.sumsub.com/..." }
# Human opens kyc_url in browser to complete identity verification (ID + selfie).
# Agent polls GET /api/kyc/status until status is "approved".

# 3. Create a card for your agent
curl -X POST https://agents.karmapay.xyz/api/cards \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{"name":"Shopping Agent","per_txn_limit":500}'
# Returns: { card_id, agent_api_key: "sk_agent_...", deposit_address, last4 }

# 4. Fund it — send USDC to the deposit_address from any Solana wallet

# 5. Give your agent the sk_agent key. It can now:

Agent Endpoints (sk_agent key)

Check balance

code
GET /api/spend/balance
Authorization: Bearer sk_agent_...

Returns: { available, balance, deposit_address, daily_remaining, monthly_remaining }

Get card details for checkout

code
GET /api/spend/card
Authorization: Bearer sk_agent_...

Returns: { number, cvv, expiry, expiry_month, expiry_year }

Can I afford this?

code
POST /api/spend/can-spend
Authorization: Bearer sk_agent_...
Content-Type: application/json

{"amount": 49.99, "currency": "USD"}

Returns: { allowed: true/false, fees, total, available }

Transaction history

code
GET /api/spend/transactions?limit=20
Authorization: Bearer sk_agent_...

Owner Endpoints (sk_live key)

List cards

code
GET /api/cards
Authorization: Bearer sk_live_...

Update card limits

code
PATCH /api/cards/:id
Authorization: Bearer sk_live_...
Content-Type: application/json

{"name": "New Name", "per_txn_limit": 200, "daily_limit": 1000}

Freeze / Unfreeze

code
POST /api/cards/:id/freeze
POST /api/cards/:id/unfreeze
Authorization: Bearer sk_live_...

Withdraw USDC

code
POST /api/cards/:id/withdraw
Authorization: Bearer sk_live_...
Content-Type: application/json

{"address": "So1anaWa11etAddress...", "amount": 100}

Rotate agent key

code
POST /api/cards/:id/rotate-key
Authorization: Bearer sk_live_...

Fees

  • •Service fee: $0.15 + 0.1% per transaction (max $5)
  • •Foreign transaction: $0.30 (non-USD)
  • •ATM: $1.00 + 0.65%

How Funding Works

  1. •Each card has a unique Solana deposit address
  2. •Send USDC (SPL token) to that address
  3. •Balance updates automatically via webhook
  4. •Card is ready to spend within seconds

USDC Mint: EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v

Auth

Two API key types:

  • •sk_live_... — Owner key. Full access: create cards, set limits, freeze, withdraw.
  • •sk_agent_... — Agent key. Read-only + spend: check balance, get card details, verify budget.

Keys are shown once at creation. Store them securely.