The $20K Card He Wouldn't Give an Agent: Allowance and Scoped Spend for AI Commerce Shoal Signal Ep. 15 with @dasmersingh, Founder & CEO at @useallowance (YC '26), hosted by @zaddycoin We cover the $20K card he wouldn't give an agent, which purchases go agentic first, why he builds on card rails not x402, and how a neutral wallet survives Visa and Stripe. 0:00 The $20K card an agent can't have 1:18 Intro and the agentic commerce case 2:21 His years at Cash App and Block 3:19 How parents actually feel safe 5:30 The OpenClaw moment and starting Allowance 9:13 Why agentic commerce wins 12:19 Developers buy first, consumers later 14:07 Clothes last, scarce tickets first 16:45 What Allowance actually is 19:53 Card rails vs new agent protocols 27:50 Handling websites that change 29:11 Staying defensible against Visa and Stripe 33:11 Will agents take jobs? 37:47 The missing piece: trust and coordination