The agent parses your free-text description using an LLM to extract intent, preferences, constraints, and urgency signals (e.g. “travel rewards, no annual fee, need it soon”).

Automatically determines your country, currency, and regulatory context using geolocation to tailor card options to your region.

Securely connects to your bank accounts via Open Banking APIs. Analyzes transaction history, spending patterns, income, and credit utilization to build a comprehensive financial profile.

Derives lifestyle signals from your financial data — travel frequency, dining habits, subscription patterns, cross-border spending — to understand what benefits matter most to you.

Cross-references your profile against the full Mastercard product catalog. Scores each card on fit, expected annual value, approval probability, and benefit alignment. Ranks results and explains the reasoning.

With your consent, the agent submits the application on your behalf — pre-filling all fields from your verified profile. Receives instant decisioning from the issuer and handles any follow-up steps.

Once approved, the agent provisions your new Mastercard directly into Apple Pay, Google Pay, or your preferred digital wallet — ready to use instantly, before any physical card arrives.