When we started building Klutch, we weren’t just dreaming of a better card—we were imagining a world where payments could truly adapt to you.

For decades, credit cards have been static, inflexible tools. But what if your card could act as an extension of your values, your habits, and your goals? What if developers had the freedom to shape what a card could do, making finance as programmable and personal as your favorite app?

We built Klutch because your finances deserve the same level of control you have over your code.

Imagine What You Can Do With Klutch

We believe programmable payments will power the next generation of lifestyle, financial, and community tools. Here are just a few of the themes that get us excited—and hopefully, they’ll spark your creativity too.

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Values-Based Spending Controls

Imagine a world where your card helps you keep your commitments and live your values—by default, not by accident.

• Block transactions at liquor stores for individuals in recovery, offering an invisible shield for sobriety.
• Prevent fast food spending for healthier eating, or donate a percent of every purchase to causes you care about.
• Decline all purchases during Shabbat, automatically honoring religious observance.

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Automated Budgeting & Financial Wellness

What if your card could help you build better money habits, effortlessly?

• Instantly categorize and limit spending for any category to help you stay on budget.
• Add a “cooling off” window for big purchases, turning impulse buys into mindful decisions.

Round up purchases and invest the spare change automatically, or lock non-essential spending during a “No Spend Challenge.”

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Contextual & Role-Based Access

Cards should fit real life—not the other way around.

• Instantly create a virtual card for your babysitter that only works during their shift, at approved stores.
• Issue a house-sitter card that expires when you return, or single-use cards for contractors and volunteers.

Give your team, family, or event guests the access they need, exactly when and how they need it—no more, no less.

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AI-Powered Smart Spending

Put intelligence right at the point of purchase. Let your card work smarter for you.

• Automatically flag impulsive or duplicate purchases, helping you pause and reconsider.
• Find and apply discount codes for you before you buy, saving you money in real time.
• Detect unusual spending and stop fraud before it happens, or analyze your subscriptions and recommend better deals.

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Gamification and Social Finance

What if your card could turn financial goals into a fun, shared experience?

• Compare your spending with peers, or see how your habits stack up against others in your neighborhood or zip code.
• Join financial challenges with friends and earn rewards for hitting milestones together.
• Get real-time feedback and encouragement as you progress towards your financial goals.

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Why this Matter for Developers

Most financial APIs are built for businesses, not personal use. You either get locked into consumer apps with zero customization, or you deal with enterprise solutions that cost thousands and require compliance teams.

Klutch gives you consumer-level simplicity with developer-level control. Access your own data, program your own rules, build your own solutions.

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Dive into our developer docs, check out some sample projects, or reach out to share your ideas.

Whether you want to automate your personal budgeting or build something completely new, you have the data and control to make it happen.

Stop working around your bank's limitations. Start programming your finances the way they should work.

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