Now accepting early access signups

The wallet for the agentic era.

Give your AI agent a budget, define the guardrails, and let it pay — autonomously, mindfully, and under your control.

Join the Waitlist See how it works
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kakebo agent
Online
Renew my Figma subscription, use the SaaS Tools budget
Found Figma Pro renewal — $15/mo. Within your SaaS Tools policy (max $30/tx). Processing...
Paid — $15.00 SaaS Tools budget: $21 remaining
Top up my OpenAI API credits. $50 worth.
$50 exceeds your per-transaction limit of $30 on the AI & API Credits budget. I can do $30 now, or you can adjust the policy.
Blocked by policy Awaiting your decision
Do $30, that's fine
Done. $30 in OpenAI credits added to your account.
Paid — $30.00 AI & API Credits: $12 remaining
Book my haircut for Monday morning, the usual place
Found an available slot at Blade & Co. — Monday 9:30 AM with Alex. $45 including tip. Using your Personal Care budget.
Paid — $45.00 Personal Care: $55 remaining
Can you also grab me a coffee on the way? Usual order from Blue Bottle.
Placed your order at Blue Bottle — large oat milk latte, pickup at 9:10 AM (20 min before your haircut). Charged to Everyday budget.
Paid — $6.50 Everyday: $143.50 remaining
I'm running low on groceries, restock the essentials
Based on your usual orders, I've put together a cart on Instacart: milk, eggs, bread, chicken, rice, bananas, and spinach. Total: $52.40 from your Groceries budget.
Paid — $52.40 Groceries: $87.60 remaining
Add some ice cream too
Added Ben & Jerry's Half Baked to your Instacart order. Updated total: $59.90. Still within budget.
Adjusted — $59.90 Groceries: $80.10 remaining
Heads up — your Figma Pro subscription ($15/mo) renews in 3 days. Want me to keep it going, or cancel before you get charged?
Pending renewal SaaS Tools budget
Hmm, cancel it for now. I can always re-subscribe.
Done — Figma Pro cancelled. You won't be charged on the 14th. Your SaaS Tools budget just freed up $15/mo.
Cancelled SaaS Tools: $36 → $51 available
Nice, thanks for catching that
That's the kakeibo way — every dollar intentional. I'll keep watching your subscriptions.
Tell your agent what to buy...
How it works
Set the rules once.
Your agent handles the rest.

Three steps between you and autonomous, policy-compliant spending.

01

Create budgets

Define spending categories — groceries, subscriptions, SaaS tools — each with its own monthly limit and isolation rules.

02

Set policies

Per-transaction caps, merchant restrictions, approval thresholds, category locks. Global rules and per-budget overrides.

03

Let your agent pay

Your AI agent spends within the boundaries you've defined. Every transaction enforced, logged, and tracked in real-time.

Built on kakeibo — the art of mindful spending.

Kakeibo (家計簿) is a century-old Japanese method of intentional budgeting. Every yen accounted for. Every purchase deliberate.

We built kakebo.ai on the same principle: your AI should spend with the same care you would. Not less, not more.

Total control
Your agent can't go rogue.

Every payment runs through your policy engine. Global guardrails plus per-budget rules mean your AI only spends how, where, and what you allow.

Productivity Agent — Policy Active
Monthly limit $150.00
Per-transaction max $30.00
Allowed categories SaaS, Cloud, API credits
Auto-approve under $15.00
AI & API Credits $42 / $60
SaaS Tools $34 / $50
Cloud Storage $8 / $40
Built for trust
Every feature is a guardrail.

You're giving an AI access to money. We built every layer around making that safe.

🔒

Policy engine

Global rules cascade into per-budget policies. Transaction caps, merchant allowlists, category locks, time-of-day restrictions.

💳

Virtual cards per transaction

Every payment uses a fresh virtual card. No stored credentials. No reusable numbers. If a card leaks, it's already dead.

📊

Real-time visibility

Every transaction streams to your dashboard the moment it happens. Budget burn-down, spending velocity, anomaly alerts.

🧱

Budget isolation

Each budget is a sealed compartment. Groceries can't touch subscriptions. Total blast-radius control.

python typescript curl
import kakebo

client = kakebo.Client(api_key="sk_live_...")

# Create a budget with rules
budget = client.budgets.create(
  name="groceries",
  limit=200_00,  # cents
  max_per_tx=100_00,
  merchants=["instacart", "wholefds"]
)

# Agent makes a payment
tx = client.pay(
  budget=budget.id,
  merchant=merchant,
  amount=47_30
)
# ✓ tx.status == "paid"
# ✓ budget.remaining == 152_70
For developers

One API call to pay.
Zero payment logic to build.

Policy enforcement, card issuance, transaction logging, and budget tracking — all handled. You call client.pay() and we do the rest.

SDKs for Python and TypeScript. Works with LangChain, CrewAI, AutoGen, or any framework that can call a function.

Join the Waitlist →
Early access
The future of payments
is autonomous.

Join the waitlist. We're onboarding the first cohort in Q2 2026.

No spam. We'll only email when it's your turn.