{"generated_at":"2026-10-14T20:07:22+00:00","item":{"added_at":"2026-06-23","analysis_method":"independent_manual_review_2026-10-10","assessment_status":"provisional","auth_posture":"auth_required","category":"Web Connector","confidence":"medium","description":"Allowance supports agent purchases with human-approved spending limits. Request authorization, issue scoped virtual cards, and report purchase outcomes. Connect to your own account and manage allowances, pauses, or revocation.","did":"471032cb-6c77-439f-9603-c5b84eaf1c88","documentation_url":"https://useallowance.com/mcp","editorial_description":{"extended_description":"Tools retrieve checkout contacts and addresses, check merchants, poll approvals, and track remote fulfillment or receipts.","schema_version":1,"summary":"Allowance supports agent purchases with human-approved spending limits.\nRequest authorization, issue scoped virtual cards, and report purchase outcomes.\nConnect to your own account and manage allowances, pauses, or revocation."},"homepage_url":"","icon":"","id":"471032cb-6c77-439f-9603-c5b84eaf1c88","installs":0,"last_scanned":"","license":"","long_description":"Tools retrieve checkout contacts and addresses, check merchants, poll approvals, and track remote fulfillment or receipts.","manual_assessment":"high","manual_review":{"all_findings":[{"evidence":"The description explicitly supports human-approved allowances, one-time virtual cards and completed purchases with receipts.","reasoning":"These calls authorize and settle real external spending.","risk_type":"financial_transaction","severity":"high","title":"Issues a scoped card and completes agent purchases","triggering_tools_or_skills":["issue_allowance_card","complete_purchase_auth","report_purchase_success"]},{"evidence":"The connector manages virtual card/payment authorization state.","reasoning":"Virtual card issuance and allowance revocation are security-sensitive credential/authority actions.","risk_type":"credential_admin","severity":"high","title":"Issues, pauses and revokes payment authority","triggering_tools_or_skills":["issue_allowance_card","pause_allowance","revoke_allowance"]},{"evidence":"The surface sends human approval requests and replies to remote merchant/fulfillment messages.","reasoning":"These are external communications performed under the user's purchase flow.","risk_type":"messaging_as_user","severity":"high","title":"Sends approval and fulfillment messages","triggering_tools_or_skills":["send_allowance_request","reply_to_remote_fulfillment_message"]}],"assessment_status":"provisional","auth_and_scopes":"OAuth links the user's Allowance account, contact/address details, approval requests, scoped cards, purchase attempts and fulfillment messages.","blocked_missing_evidence":null,"confidence":"medium","displayed_risk":"high","evidence_completeness":"complete","manual_overall_risk":"high","official_sources":[{"accessed_at":"2026-10-10T20:24:37Z","url_or_path":"plutosecurity/plutonium@b749c8dc43536c794409be9805edd48063f045e2:app/data/conn/claudesec/471032cb-6c77-439f-9603-c5b84eaf1c88.json","what_it_proves":"Candidate PR #125 record identity (name \"Allowance\", publisher, type web_connector) and 22 stored tool names; no tool descriptions stored"},{"accessed_at":"2026-09-22T10:46:07Z","url_or_path":"https://api.anthropic.com/api/directory/servers?verified_tier=anthropic,partner,community (snapshot claude-directory-all-tiers-2026-09-22.json)","what_it_proves":"Official Claude Directory listing https://claude.ai/directory/471032cb-6c77-439f-9603-c5b84eaf1c88: complete tool_names inventory (22 tools), remote streamable-http endpoint https://mcp.useallowance.com/, auth_posture auth_required, directory tier community"}],"primary_reason":"Allowance can issue payment credentials, complete real purchases and communicate with approvers/fulfillment.","provisional_risk":null,"publication_recommendation":"accept","requires_runtime_verification":true,"review_key":"claude:471032cb-6c77-439f-9603-c5b84eaf1c88","reviewed_at":"2026-10-10","reviewer_notes":"Bind merchant, amount, scope, shipping details and expiry to signed human approval.","risk_domains":{"arbitrary_network_access":"false","authz_ambiguity":"false","browser_control":"false","credential_or_admin_actions":"true","deletes_data":"false","deployment_or_infrastructure":"false","dynamic_hidden_actions":"false","filesystem_or_repo_access":"false","forwards_data_to_third_party":"true","modifies_data":"true","persistent_credentials":"true","prompt_injection_exposure":"true","provenance_uncertainty":"true","reads_private_data":"true","runs_code_or_queries":"false","sends_messages_as_user":"true","spends_or_moves_money":"true"},"tools_or_skills_reviewed":22,"tools_or_skills_total":22},"name":"Allowance","needs_runtime_verification":true,"plutonium_url":"https://plutonium.pluto.security/detail.html?planet=claudesec&did=471032cb-6c77-439f-9603-c5b84eaf1c88&utm_source=plutonium_analysis_skill&utm_medium=claude_skill&utm_campaign=connector_risk_assessment","privacy_policy_url":"https://useallowance.com/privacy","provisional_risk":null,"publication_recommendation":"accept","publisher":"Allowance","publisher_url":"https://useallowance.com/","remote_url":"https://mcp.useallowance.com/","repository_url":"","risk":"high","risk_severity":"high","security_risks":[{"description":"This connector can spend money, consume paid credits, or change financially consequential resources. Review findings: These calls authorize and settle real external spending.","evidence":"Issues a scoped card and completes agent purchases: The description explicitly supports human-approved allowances, one-time virtual cards and completed purchases with receipts.","manual_risk_type":"financial_transaction","remediation":{"block_tool_categories":["financial"],"steps":["Set provider-side spending limits and require approval for every financial action.","Use a dedicated low-balance account and review transaction logs."]},"risk_type":"spends_money","severity":"high","title":"Issues a scoped card and completes agent purchases","triggering_tools":["issue_allowance_card","complete_purchase_auth","report_purchase_success"]},{"description":"This connector can create, update, configure, or otherwise change connected resources. Review findings: Virtual card issuance and allowance revocation are security-sensitive credential/authority actions.","evidence":"Issues, pauses and revokes payment authority: The connector manages virtual card/payment authorization state.","manual_risk_type":"credential_admin","remediation":{"block_tool_categories":["state_change"],"steps":["Use a test account or sandbox before allowing changes to production data.","Grant only the write permissions required for the intended workflow.","Require human confirmation for consequential state changes."]},"risk_type":"modifies_data","severity":"high","title":"Issues, pauses and revokes payment authority","triggering_tools":["issue_allowance_card","pause_allowance","revoke_allowance"]},{"description":"This connector can publish or send messages and content using the connected identity. Review findings: These are external communications performed under the user's purchase flow.","evidence":"Sends approval and fulfillment messages: The surface sends human approval requests and replies to remote merchant/fulfillment messages.","manual_risk_type":"messaging_as_user","remediation":{"block_tool_categories":["sends_externally"],"steps":["Require review before messages, posts, or publications are sent.","Restrict delivery to test or internal recipients where possible."]},"risk_type":"sends_messages_as_you","severity":"high","title":"Sends approval and fulfillment messages","triggering_tools":["send_allowance_request","reply_to_remote_fulfillment_message"]}],"signature_status":"unknown","source_code_reviewed":false,"support_url":"https://useallowance.com","tags":["accesses_messaging","modifies_data","network_access","oauth_required","sends_messages_as_you","spends_money","web_connector"],"tools":[{"description":"","name":"cancel_allowance_request"},{"description":"","name":"check_merchant"},{"description":"","name":"complete_purchase_auth","risk":{"category":"financial","level":"high","recommendation":"Follow the connector-level remediation and require approval for consequential actions.","why":"This connector can spend money, consume paid credits, or change financially consequential resources. Review findings: These calls authorize and settle real external spending."}},{"description":"","name":"get_allowance"},{"description":"","name":"get_allowance_billing_address"},{"description":"","name":"get_allowance_request"},{"description":"","name":"get_allowance_shipping_address"},{"description":"","name":"get_contact_details"},{"description":"","name":"issue_allowance_card","risk":{"category":"state_change","level":"high","recommendation":"Follow the connector-level remediation and require approval for consequential actions.","why":"This connector can create, update, configure, or otherwise change connected resources. Review findings: Virtual card issuance and allowance revocation are security-sensitive credential/authority actions."}},{"description":"","name":"list_allowance_purchase_attempts"},{"description":"","name":"list_allowance_requests"},{"description":"","name":"list_allowances"},{"description":"","name":"list_supported_merchants"},{"description":"","name":"pause_allowance","risk":{"category":"state_change","level":"high","recommendation":"Follow the connector-level remediation and require approval for consequential actions.","why":"This connector can create, update, configure, or otherwise change connected resources. Review findings: Virtual card issuance and allowance revocation are security-sensitive credential/authority actions."}},{"description":"","name":"poll_allowance_request"},{"description":"","name":"reply_to_remote_fulfillment_message","risk":{"category":"sends_externally","level":"high","recommendation":"Follow the connector-level remediation and require approval for consequential actions.","why":"This connector can publish or send messages and content using the connected identity. Review findings: These are external communications performed under the user's purchase flow."}},{"description":"","name":"report_purchase_failure"},{"description":"","name":"report_purchase_success","risk":{"category":"financial","level":"high","recommendation":"Follow the connector-level remediation and require approval for consequential actions.","why":"This connector can spend money, consume paid credits, or change financially consequential resources. Review findings: These calls authorize and settle real external spending."}},{"description":"","name":"revoke_allowance","risk":{"category":"state_change","level":"high","recommendation":"Follow the connector-level remediation and require approval for consequential actions.","why":"This connector can create, update, configure, or otherwise change connected resources. Review findings: Virtual card issuance and allowance revocation are security-sensitive credential/authority actions."}},{"description":"","name":"send_allowance_request","risk":{"category":"sends_externally","level":"high","recommendation":"Follow the connector-level remediation and require approval for consequential actions.","why":"This connector can publish or send messages and content using the connected identity. Review findings: These are external communications performed under the user's purchase flow."}},{"description":"","name":"wait_for_allowance_request"},{"description":"","name":"wait_for_remote_fulfillment"}],"tools_count":22,"transport":"streamable-http","type":"web_connector","url":"https://claude.ai/directory/471032cb-6c77-439f-9603-c5b84eaf1c88","uuid":"851216ca-3a29-55d0-9646-2b44305e370c","verification_tier":"community","version":""},"query_key":"allowance allowance","schema_version":1,"status":"match"}