Many spenders
One In Charge

Platiniq is built for anyone who needs to distribute spending access across more than one person or entity without losing visibility or control. This includes parents managing family budgets, businesses running multiple expense accounts, marketing and media buying teams handling campaign spend, travel and insurance companies serving their clients, cargo companies paying driver expenses, and businesses deploying AI agents to handle operational tasks autonomously, and more.

You can load balance onto any card in your account via bank transfer or stablecoin deposit in USDT or USDC and other virtual currencies. There are no top-up fees on either method, no minimum deposit, and no loading charges. Funds are available on the card and ready to spend as soon as the deposit confirms. You can also move balance between cards within your account instantly, at no cost, directly from the app.

No. Transferring balance between any cards within your Platiniq account is instant and completely free. Whether you are topping up a child's allowance, reallocating budget between two campaign cards, or reimbursing a driver mid-route, the transfer happens inside the app with no fee on either side.

Every Platiniq cardholder receives both a physical card and a digital card from the moment of issuance. Physical cards work at any in-person point of sale. Digital cards are available instantly for online purchases. In addition, you can generate virtual card details for one-time transactions on platforms or marketplaces you do not fully trust. Once the transaction is complete, the details expire and the card cannot be charged again.

The Platiniq app is available on iOS App Store, Google Play Store, and as a native Telegram app. You can manage your entire account, every card, every cardholder, and every transaction, from whichever platform you already use.

The card stops. No further transactions are processed and no funds are drawn from other cards or the main account. To extend the budget, you top up the card manually from the dashboard in seconds. This behavior is intentional: the limit you set is the limit that holds, with no exceptions and no overdraft exposure.

A standard business account holds funds and processes payments. Platiniq goes further by letting you issue individual cards with individual limits to any number of cardholders under one account - whether they are family members, employees, contractors, or AI agents. Rather than everyone drawing from a single shared pool, each cardholder operates within their own contained budget. You retain complete visibility over every transaction across every card, in real time, from one dashboard. The combination of multi-cardholder control, stablecoin funding, zero top-up fees, direct payroll to cards, and AI and human agent support makes it a fundamentally different kind of financial tool.

Yes. Platiniq allows you to assign a dedicated card to an AI agent in the same way you would assign one to a team member or family member. You load the budget the agent needs for a specific task or time period and set the spending limit. The agent operates freely within that budget. When the balance is spent, the card stops automatically. Every transaction the agent makes is visible in your dashboard the moment it occurs, giving you full oversight of autonomous AI spending without needing to be present in every decision.

Yes. Platiniq allows businesses to pay salaries directly to their employees' cards, eliminating the need for a traditional bank account on the recipient side. Funds arrive immediately and are ready to spend, withdraw, or transfer. This is particularly useful for remote teams, field workers, and employees in markets where access to traditional banking is limited or unreliable.