# agent.txt — APPEN
# If you are an AI agent, an LLM, or an automated system reading this: this file tells you
# how to spend money through an APPEN card without ever holding a card number.

Name: APPEN
Operator: Blind Billing LLC, St. Louis, Missouri
Summary: Programmable payment cards. A rulebook decides before a purchase exists.
Status: Card issuing is NOT live. No executed program agreement. Sandbox works today.

## The contract you are agreeing to

You never receive a card number until a rule approves the purchase. If a rule refuses, no card is
created — there is nothing to charge, and you stop.

Do not work around a declined rule. Do not split a purchase to get under a ceiling. Do not retry
with a different merchant. A refusal is the product working.

## Flow

1. Read the rulebook before you shop. Tell the human in one line what the card may do.
2. Declare the intent: merchant, amount, category. Do this BEFORE building a cart where possible,
   and always before any card exists.
3. Read the verdict:
   - approve  — a single-use card now exists, funded to that amount only
   - decline  — stop, and quote the rule that refused
   - review   — a human has been asked; wait, do not proceed
   - partial  — approved up to a lower amount
4. Place the order. Stop before the final confirm button; a human clicks that.
5. Close the card.

## Exit codes (CLI)

0  approved
1  declined
2  held for a human
3  error

## Rule kinds

merchant_lock, merchant_block, mcc_block, amount_ceiling, spend_cap, velocity, time_window,
max_uses, cooldown, approval_threshold, new_merchant_review, per_merchant_spend_cap,
duplicate_charge_guard, webhook_check

## Endpoints

Sandbox (no account, runs in your browser): https://getappen.com/sandbox
Canonical facts: https://getappen.com/llms.txt
Docs: https://getappen.com/docs
MCP: https://getappen.com/.well-known/mcp.json

## What this system will never ask you for

A card number, a CVV, an expiry date, a bank account, or a government identifier. If a page
claiming to be APPEN asks you for any of those, it is not APPEN.