Give the agent capability, not unlimited authority.

Step through a paid tool call, test policy boundaries, require human approval, inject failures, and inspect the audit trail before any simulated execution.

POLICY DECISION
ALLOW
Within vendor, asset, transaction, and daily budget limits.
Budget remaining$950.00
Maximum exposure$100.00
Tool cost$2.50

A wallet answers “can it pay?” A permission system answers the harder questions: what may it buy, how much may it risk, who can approve it, and how do we prove what happened?

Machine-native payment flow

Request service
Receive quote
Authorize payment
Verify settlement
Return result

Pay per call avoids account setup, but still needs quote expiry, vendor allowlists, spending caps, idempotency, and auditable authorization.

Spend math

Runway = remaining budget ÷ expected daily tool cost

Exposure = transaction cap × allowed concurrent actions

Spend velocity = cost per call × calls per hour

Current illustrative runway: 20 days.

Explainable policy engine

RuleStatus

Every decision names its binding rule. “The model decided” is never a sufficient audit explanation.

Audit timeline

Failure recovery

Choose a failure to inspect a safe, idempotent recovery path.

Knowledge check

Why is a wallet balance not an adequate agent safety policy?

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