Free browser tool

Spend Policy Generator

Generate a copy-paste JSON or YAML spend-policy template for AI agents with transaction caps, daily caps, allowlists, approvals, and risk settings.

Privacy

Runs in your browser. No signup, no backend, no submitted data leaves the page.

Updated

2026-07-06

Key facts

What this page establishes

  • The generator creates editable policy templates for browser-side planning and documentation.
  • Risk tolerance changes the default action, review mode, velocity limits, and evidence requirements.
  • Caps should come from a budget estimate, not from the wallet balance alone.
  • Enforcement belongs outside the model prompt, at the tool or payment boundary.

Inputs

Generate a bounded policy

Paste one merchant, domain, address, or category per line where lists are requested.

Allowed rails

Default action

escalate

How to use the policy draft
A spend policy is useful only if the agent cannot bypass it. Store the policy outside the prompt, version it, validate every payment intent against it, and record whether each request was allowed, denied, escalated, or frozen. The generated template is intentionally explicit so finance, security, and product reviewers can discuss the same object.
If you need starting budget numbers, run the Agent Budget Calculator first. Then compare the generated controls with the taxonomy in Spend Controls and the reconciliation fields in Treasury and Accounting.
FAQ
What should an AI agent spend policy include?
At minimum, it should include per-transaction caps, period budgets, allowed merchants or domains, blocked categories, approval thresholds, expiration, and a clear default action.
Should the model enforce this policy?
No. The model can propose a payment intent, but enforcement should live in the wallet, payment API, backend service, card issuing control, smart account, or policy engine.
Can this template be used in production?
Use it as a draft. Production policies need deterministic validation, identity checks, audit logging, exception handling, and review by the relevant finance, security, and legal owners.