AgentWallet ·

Spending Policies

Per-call, per-day, per-counterparty and per-rail caps for every AI agent. Approval queues, force-approve overrides, escalation routes, multi-sig over threshold — programmable guardrails enforced in the same Express process that signs the payment.

  • Per-call cap — hard ceiling on a single transaction.
  • Per-day and per-month rolling caps — reset on UTC boundary, with reservation accounting.
  • Per-counterparty cap — limit spend to a specific vendor or wallet address.
  • Per-rail cap — separate limits for ACH, card, USDC.
  • Approval queues — over-threshold spends route to Principal via WhatsApp / passkey.
  • Multi-sig — 2-of-3 over a configurable amount; defaults to $10k for treasury agents.

Frequently asked questions

How do I limit how much money my AI agent spends?
Set per-call, per-day, per-month, per-counterparty and per-rail caps in the dashboard or via PATCH /agents/:id. The 4-layer policy cascade enforces Account ⊇ Principal ⊇ Agent on every write — you cannot grant an agent more than the Principal has, and you cannot grant a Principal more than the Account is approved for.
Can I require approval over a threshold?
Yes. Configure an approval threshold (e.g. $500) and any spend above it routes to the Principal via WhatsApp tap-to-approve or passkey signature. Over $10k can require 2-of-3 multi-sig with separate Principals.
What happens when a cap is hit?
The transaction is rejected before any rail is hit — no half-state, no partial spend. The dashboard logs the attempt with the failing cap and the requesting agent so you can tune the policy.
Can I cap spending per vendor?
Yes. Per-counterparty caps let you set a hard ceiling on spend to a specific merchant or wallet address (e.g. 'no more than $200/day to AWS'). Useful for capping individual SaaS subscriptions or specific wallet recipients.
Can the AI agent pay contractors in different countries?
Yes. AgentWallet routes through 17 rails — pay a contractor in Brazil on Pix, India on UPI, Europe on SEPA Instant, US on FedNow or ACH, the UK on Faster Payments — all from the same agent wallet, all under the same per-day cap.
Are caps real-time or batched?
Real-time. Caps are enforced inline by the Express process that signs the payment, so a spend that would breach the cap is rejected synchronously with an RFC 7807 problem+json response — not after the fact.