Conto for OpenClaw: The Spend Management Layer Your Agents Need

Your agent can make payments. That's the easy part. The hard part is making sure it should.

Today we're launching our OpenClaw integration, a skill that adds policy enforcement to every payment your AI agent makes. If you're building on OpenClaw, you can now drop in Conto and get per-transaction limits, daily budgets, category restrictions, approval workflows, and 40+ other rule types with quick setup.

For a limited time we're offering unlimited access to the full suite of Conto policies to beta testers. We'd love your feedback. Join our Discord community to drop us a note.

The Problem

OpenClaw gives agents the ability to execute payments. That's powerful, but also dangerous. Without guardrails, an agent can drain a wallet on a bad API call, pay a blacklisted address, or blow through a monthly budget in an afternoon.

Most teams end up hand-rolling ad-hoc checks that don't scale and miss edge cases. Giving agents the ability to pay requires a lot of trust. Conto helps you add controls to get you there.

How It Works

Conto intercepts every payment attempt before execution and evaluates it against your configured policies:

1. User sets payment policies
2. Agent initiates a payment
3. The Conto skill calls our approval endpoint
4. We evaluate against all active policies
5. We return APPROVED, DENIED, or REQUIRES_APPROVAL
6. The agent proceeds (or doesn't)

Most OpenClaw agents use the external wallet flow, where the agent holds its own keys:

POST /api/sdk/payments/approve    (policy check)
POST /api/sdk/payments/{id}/confirm   (report tx hash)

If you use a Conto-managed wallet (Privy or Sponge), a single call to /api/sdk/payments/request handles both the policy check and execution.

Every policy evaluated. No payment goes through without passing your rules.

Setup

Getting Started

Install the Conto skill from ClawHub:

npx clawhub install conto

Or add the skill directly from the manifest: conto.finance/skill.md

Configuration

Add your SDK key to ~/.openclaw/openclaw.json:

{
  "skills": {
    "entries": {
      "conto": {
        "env": {
          "CONTO_SDK_KEY": "conto_agent_your_key_here",
          "CONTO_API_URL": "https://conto.finance"
        }
      }
    }
  }
}

Generate keys from the dashboard under Agents > SDK Keys > Generate New Key. Standard keys cover payment evaluation and visibility. Admin keys add policy creation and wallet administration.

What You Can Enforce

We support 40+ rule types across several categories:

• Approval Workflows. Require human sign-off above a spending threshold.
• Spend Controls. Per-transaction caps, daily/weekly/monthly limits, budget allocations.
• Category Management. Whitelist or blacklist specific API providers and payment categories.
• Counterparty Rules. Block suspicious addresses, allowlist approved vendors.
• Time-Based Restrictions. Business hours only, weekday-only, maintenance blackout windows.
• API Cost Controls. Cap per-request costs and limit daily spend per service.

Policies can be created via structured input or natural language:

/conto create a policy that limits each transaction to 200 pathUSD

Two Wallet Modes

Integrated (Sponge or Privy): One API call handles both the policy check and payment execution. Your wallet provider holds the keys (Privy or Sponge, respectively) while Conto orchestrates policy evaluation and execution through the provider. Simplest path if you don't need to hold your own keys.

External wallet: Your agent holds the keys. Conto approves the payment, your agent executes the transfer, then confirms back with the transaction hash:

POST /api/sdk/payments/{REQUEST_ID}/confirm

This gives you full custody while still enforcing every policy.

Chain Support

The integration works across Base, Tempo, and Solana with support for their respective stablecoins.

Get Started

1. Sign up at conto.finance
2. Install the skill from ClawHub:

npx clawhub install conto

Or add the skill directly from the manifest: conto.finance/skill.md

3. Connect your agent in the dashboard
4. Link your wallet to the agent
5. Generate an SDK key
6. Add the config to your OpenClaw setup
7. Create your first policy

Full SDK reference: conto.finance/docs/sdk/openclaw

Related

• Adding Spending Policies to Any OpenClaw Agent - deeper dive on the policy flow and external wallet mode
• Zero to First Agent Payment in 5 Minutes - the general Conto setup walkthrough
• Five Layers of Security for Agents That Spend Money - design a complete policy strategy
• How to Test Agent Payments Without Losing Real Money - validate policies on Tempo Testnet

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Your agents can pay. Now make sure they pay correctly.