> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.thepennyinc.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.thepennyinc.com/_mcp/server.

# Issuing

Penny Issuing lets you create cardholders and issue virtual cards that draw funds from a Penny Banking Capital Account. Every card is issued from a card product, belongs to a cardholder, and can carry its own spend control.

Start with [Cards & Cardholders](/issuing/cards-and-cardholders) for how the pieces relate, then [Issuing a Card](/issuing/issuing-a-card) for a full walkthrough.