For Families
Give every family member their own card and balance while keeping spending visible and under control.
Explore →Built for the way money moves today
Platiniq is a card-issuing platform built for the way money actually moves today.
Get Started →Who We Are
Our name says it plainly. Platinum: the standard everything else is measured against. IQ: the intelligence to know that the way people, teams, and businesses spend money has fundamentally changed. Platiniq sits at that intersection, where precision meets purpose and every financial decision is made with intention.
We build tools for the people who think carefully about where their money goes, and who expect the same from the products they use.
Get started →Why We Built This
The shared card was never a real solution. It was a compromise.
One card passed between a parent and a child. One company account accessed by an entire marketing team. One payment method attached to a business running half a dozen AI agents around the clock. Nobody truly in control. Nobody with a clear view of what was spent, by whom, and why.
We looked at the way money moves through modern households and businesses and saw a system that had not kept pace.
Platiniq was built to close that gap.
- Families needed a way to give children real independence without handing over real risk.
- Businesses needed to separate budgets without opening separate bank accounts.
- And as AI agents began making purchases on behalf of the people and companies they serve, nobody had built a financial product that accounted for them at all.
What We Believe
We believe that control and trust are not opposites.
Giving someone a card does not mean giving up oversight. Setting a spending limit does not mean distrusting the person who holds the card. It means being deliberate about money, which is the most responsible thing any individual, family, or business can be.
We believe that every spender deserves their own financial lane.
Not because people cannot be trusted with shared resources, but because individual cards with individual limits make everything cleaner, clearer, and more accountable for everyone involved.
We believe that the tools managing your money should be as intelligent as the people using them.
Which is why Platiniq is built for a world where the spenders in your life are not always human.
What Makes Us Different
One account. Every spender under control.
Give every person, team, or AI agent their own card, balance, and limit — while you manage everything from one account.
Move funds instantly, track every transaction, and keep spending separated by purpose.
Our Standard
Less complexity. Higher standards.
The name Platiniq reflects how we build: deliberately, precisely, and without unnecessary complexity.
We do not add features simply to offer more. We focus on what the situation actually requires — and build it to a standard worthy of your trust.
Who We Serve
Built for anyone managing shared money.
Families, businesses, agencies, operations teams, and AI agents use Platiniq to separate spending, set limits, and stay in control.
One account.
Every spender in their lane.
FAQ
Platiniq is a FinTech platform that lets you create individual debit cards for every person or process that spends money on your behalf. Under a single account, you assign each cardholder their own card, set their spending limit, and monitor every transaction in real time. Whether you are managing a family budget, a business operation, or a fleet of AI agents, Platiniq gives you one place to control all of it.
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.
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.
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.
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.
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.
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.
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.
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.
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.