> 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.

# Welcome

Penny Developer Platform

# Build with Penny.

Banking, Issuing, and Simulation APIs for building financial products.

[Get started →](/get-started/getting-started)

[API reference →](/api-reference)

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![](/_fern-files/the-penny-inc.docs.buildwithfern.com/16e3dbd631904f63a31a21d2675fe5af7f17175dec66ce57e93663e7dab304df/docs/assets/penny-icon.svg) penny

![](/_fern-files/the-penny-inc.docs.buildwithfern.com/16e3dbd631904f63a31a21d2675fe5af7f17175dec66ce57e93663e7dab304df/docs/assets/penny-icon.svg) penny

## Capabilities

#### [Banking](/banking)

Open and manage capital and control accounts, read ledger entries, and move money between accounts.

#### [Issuing](/issuing)

Issue virtual cards and manage cardholders.

#### [Spend Controls](/spend-controls)

Set amount, velocity, merchant, and geographic rules that apply across your business, accounts, cardholders, and cards.

#### [Platform](/platform)

Access control, webhooks for real-time event delivery, and background tasks.

## Get started

#### [Getting Started](/get-started/getting-started)

Set up authentication and make your first API call.

#### [Authentication](/get-started/authentication)

Learn how to authenticate requests to the Penny API.

#### [Webhooks](/platform/webhooks-overview)

Subscribe to real-time events for accounts, cards, and transactions.