Agent Spending Policy
Governance controls for agent commerce and purchasing.
MeetLoyd's Spending Policy provides granular control over how your AI agents can make purchases on behalf of your organization. This is critical for enterprises that want to enable agent autonomy while maintaining financial governance.
MeetLoyd is a governance layer, not a bank. We enforce policies and audit transactions -- your organization's actual payment method (credit card, corporate account, etc.) handles the money.
What You Can Control
- Set spending limits at per-transaction, daily, weekly, and monthly levels
- Require human approval for high-value or sensitive purchases
- Block categories like gambling, adult content, or crypto
- Restrict merchants to an approved list
- Get notified when agents make purchases or hit limits
Spending Limits
| Limit Type | Description | Example |
|---|---|---|
| Per-Transaction | Maximum for any single purchase | $500 |
| Daily | Maximum total spending per day | $1,000 |
| Weekly | Maximum total spending per week | $2,500 |
| Monthly | Maximum total spending per month | $5,000 |
These limits are cumulative across all agents in your tenant. When any limit is exceeded, the purchase is blocked.
Approval Requirements
Configure when purchases require human approval before proceeding:
- Amount Threshold -- Set a dollar amount above which purchases need approval (e.g., anything over $250)
- Categories -- List merchant categories that always require approval (e.g., travel, luxury, software subscriptions)
- New Merchants -- Require approval for first-time purchases from unknown merchants (recommended for enterprises with strict vendor policies)
Restrictions
- Blocked Categories -- Purchases from these categories are automatically denied. Common blocks include gambling, adult, weapons, and crypto.
- Merchant Allowlist -- When enabled, only purchases from pre-approved merchants are allowed. Leave as "Allow all merchants" for flexibility, or restrict for strict control.
Notifications
Choose when and how to be notified:
| Event | Description |
|---|---|
| On every purchase | Notified for all transactions |
| Spending limit reached | Notified when a limit is hit |
| Approval needed | Notified when a purchase awaits approval |
Channels: Email, Slack (requires Slack integration), or Webhook (custom endpoint).
Default Limits by Plan
| Plan | Per-Transaction | Daily | Weekly | Monthly | Approval Threshold |
|---|---|---|---|---|---|
| Starter | $100 | $250 | $500 | $1,000 | $50 |
| Growth | $500 | $1,000 | $2,500 | $5,000 | $250 |
| Enterprise | $10,000 | $50,000 | $100,000 | $500,000 | $5,000 |
Enterprise plans can configure custom limits above these defaults.
Audit Trail
All agent commerce activity is logged in the audit trail:
- Purchase attempts (allowed and denied)
- Policy changes (who changed what, when)
- Approval requests (pending, approved, rejected)
- Limit events (when limits are reached)
Access via Governance > Spending Policy > History or the Audit Logs page.
Commerce Statistics
The Spending Policy dashboard shows real-time statistics: total transactions, total amount, unique merchants, and policy status.
For startups: Start with default limits, enable "new merchant" approvals, block gambling and adult categories, and set up email notifications.
For enterprises: Define strict category blocks aligned with procurement policy, require approval above team manager's spending authority, configure webhook notifications to integrate with finance systems, and consider merchant allowlists for production environments.
For regulated industries: Enable all notifications, set conservative limits, require approval for all categories above minimal threshold, block all non-essential categories, and integrate with SIEM for compliance monitoring.