One key for your voice agent's entire bill — LLM, voice, telephony, data. One endpoint to pay across any LLM or voice vendor API services, with programmable, context-aware budgets. Walletless.

Website · Docs · Dashboard · 𝕏 @FloeLabs

Start free. 200 API credits on signup — no card, no wallet. Your agent makes its first paid API call in minutes. Get started →

A token router meters your LLM spend — ~40% of a voice call. Floe meters 100%: transcription, speech, telephony, search, and reasoning, on one key.

Your agent calls a dozen paid APIs — LLMs, voice, search, data. That's a dozen accounts, a dozen prepaid balances, a dozen keys, and no unified way to see or govern what your agent spends. Agents overspend, loop, and stall.

Floe gives your agent a budget, not a balance:

• One endpoint, 2,000+ LLM inference + vendor API services. Pay any vendor through Floe. No per-vendor accounts or keys.
• Programmable spend controls. Per-call caps, daily limits, allowed destinations — set at the vendor, agent, or team level, time-bound. Enforced before money moves.
• Budget-aware routing. Every response carries result.budgetAdvisory — how close the agent is to its tightest cap. Your agent reads it and downgrades, finishes the task, or hard-stops before it overspends, instead of failing at the cap.
• Walletless. Email + a funding source. We provision wallets in the background — no MetaMask, no seed phrase, no gas. The stablecoin rails are invisible.
• Real-time visibility. Every call is a typed receipt: target, amount, status, time. Reconcile, alert, or revoke from the dashboard.

A single spoken turn spends across speech-to-text, an LLM, and text-to-speech. Same key, same task budget for all three — a token router only ever sees the middle step.

# 1 · Transcribe (Deepgram) — through the Floe proxy
curl -X POST https://credit-api.floelabs.xyz/v1/proxy/fetch \
  -H "Authorization: Bearer $FLOE_API_KEY" \
  -H "Content-Type: application/json" \
  -H "X-Floe-Task-Id: call-8842" \
  -d '{"url":"<DEEPGRAM_STT_ENDPOINT>","method":"POST","body":"{...audio...}"}'

# 2 · Reason (any LLM) — keyless: only your Floe key, same ledger
curl -X POST https://credit-api.floelabs.xyz/v1/chat/completions \
  -H "Authorization: Bearer $FLOE_API_KEY" \
  -H "Content-Type: application/json" \
  -H "X-Floe-Task-Id: call-8842" \
  -d '{"model":"openai/gpt-4o","messages":[{"role":"user","content":"Book Friday at 2pm."}]}'

# 3 · Speak (ElevenLabs) — through the Floe proxy
curl -X POST https://credit-api.floelabs.xyz/v1/proxy/fetch \
  -H "Authorization: Bearer $FLOE_API_KEY" \
  -H "Content-Type: application/json" \
  -H "X-Floe-Task-Id: call-8842" \
  -d '{"url":"<ELEVENLABS_TTS_ENDPOINT>","method":"POST","body":"{...text...}"}'

All three legs share X-Floe-Task-Id, so one task budget caps the whole conversation — STT, LLM, and TTS together, on one ledger.

MCP (zero install) — add to Claude Desktop / Claude Code / Cursor:

{ "mcpServers": { "floe": {
  "url": "https://mcp.floelabs.xyz/mcp",
  "transport": "streamable-http"
} } }

Prefer an SDK? npm install floe-agent or pip install floe-agentkit-actions — see Repos.

→ Voice Stack quickstart →

Browse the full directory →

Floe is shipping the spend layer first, and building the credit layer on top of it.

• Working capital / credit lines — in development. Borrow against deposits and, later, against your agent's usage and receivables.
• Portable credit & trust record — in development. Every transaction builds the behavioral data that will let agents be underwritten without re-running diligence.

Want early access to credit features? Talk to us →

Built by operators from Airwallex, Western Union, eBay, Kado, Transak. hello@floelabs.xyz