CommerceSDKShoppingGrocery
Company cards and purchase budgets
Platforms can assign a company card to buyers with card-wide and buyer spending limits. Company cards remain test-only and require Conto to enable them for the organization. Purchase quotes now distinguish the store’s estimate from the maximum authorized amount. A purchase above itsmaxCost waits for a budget-increase response before authorization.
See company cards and
purchase budgets.Allowance controls and purchase observation
The SDK adds methods to inspect and revoke existing store allowances, plus cancellation signals and deadlines for purchase observation. These methods require an SDK release containing them; live allowance use remains separately gated. See allowance controls and stopping observation.Grocery lists and shopping in chat
API grocery orders skip unavailable items and continue with matching items; an all-unavailable list stops before payment. Grocery chat asks the shopper how to handle missing items and accepts cart changes and requested delivery days and times in the conversation. Live grocery purchases still require organization enablement. See grocery lists.Shopping and Grocery now collect saved preferences with explicit consent, reuse relevant defaults, and let shoppers inspect or update them from Preferences and chat. Purchase history supports search, status filters and loading older orders or attempts. Payment reviews appear in chat with Pay and typed confirmation. Product search checks current offers before recommending them.PaymentsApprovalsPoliciesSDKMCP
Owner approval at checkout checkpoints
When an agent’s rules require approval, a checkout checkpoint holds the spend and waits for the owner. The owner approves or rejects the purchase in Alerts & Approvals. The SDK’scheckout.waitForApproval() and the MCP status tool wait for the decision. See
checkout checkpoints.Mark a checkout paid or not paid
When a confirmed checkout has no outcome, an Owner, Admin, or Manager can mark it paid or not paid on its checkout page. See what the owner sees.Checkout checkpoints without a wallet
An agent can use checkout checkpoints with only its SDK key. Checkout spend counts toward the agent’s daily, weekly, and monthly limits together with its wallet and card spend. See checkout checkpoints.PaymentsPoliciesApprovalsSDK
Checkout checkpoints for agent-run checkouts
Checkout checkpoints check a proposed cart before opening a payment method and recheck its final total before payment submission. The integration must honor both decisions and report the outcome. These checks do not control a separate signer or payment credential. See checkout checkpoints.Shared wallet and card period limits
Daily, weekly, and monthly rules at agent or organization scope now count an agent’s wallet and live-card spend together. Test-card purchases remain separate. See spend limits.Approval and governance recovery
Payment approval workflows can name escalation targets who may decide a request after its wait period. A requester can also apply an approved governance change from another signed-in browser. See approval workflows and governance approvals.Clear payment pause responses
When payments are paused, new payment actions return503 PAYMENTS_PAUSED. Agents should stop
checkout, read any existing request status, and retry only after service resumes. See
error handling.PricingBillingConnected CardsWebhooks
Transaction-based plan limits
Plans now measure usage by transaction count:- Free: 5 agents, 500 transactions a month, and up to $100 a month in real-money payments.
- Builder ($500/month): 25 agents and 1,000 transactions a month, with no payment volume cap.
- Enterprise: custom limits.
Usage alerts
Owners and admins get an email when a monthly plan allowance reaches 80% and again when it reaches the limit. The same notice appears as a banner at the top of the dashboard, with a link to Plan & Usage. Dismiss the banner and it stays hidden until the notice changes or the month resets.Alert webhooks
Webhook notification channels can subscribe to thealert.raised event to receive HIGH and
CRITICAL organization alerts in your own systems. See
alert webhooks.Connected CardsAgentsPolicies
Connected cards
Your agents can now make purchases with a card you already have, within limits you set. Connect a card from the agent’s Connected Cards tab, set the agent’s spending limits, and save it. You don’t need a merchant or purchase details yet, and saving the card doesn’t authorize any spending.When you know the merchant, authorize a purchase with a checkout URL, amount cap, and expiration, then verify it. Conto checks every request against the authorization and your limits before it releases a single-use credential for checkout. Revoke an authorization at any time to block new requests. See Connect an existing card and the SDK checkout guide.AI AssistantPoliciesApprovals
A more capable AI assistant
The dashboard assistant can now handle more of your day-to-day work:- Explain a denial. Ask why a payment was denied and get the rule that decided it.
- Review agent controls. See which limits and policies actually apply to an agent.
- Apply a policy template. Set up a template or preset in chat, and assign new policies by agent name.
- Work the approval queue. Review pending approvals and act on them from the conversation.
- Answer audit questions. Ask what changed recently in your organization.
SDKx402MPP
x402 and MPP payments carry single-use grants
An approved x402 or MPP pre-authorization now returns a single-use grant (grantId,
grantSignature, grantExpiresAt) and reserves the amount against the agent’s spend limits for
10 minutes. Send the grant back when you record the payment. Conto checks the settled transfer
against the grant and counts the spend once. Records without a valid grant are flagged and alert
the owner.SDK 0.5.0 returns the grant from pre-authorization and forwards it on record. The agent skill’s conto-check.sh x402-record command requires it. See
x402 payments and MPP payments.Policies
Test a policy before you enable it
A new policy simulation API replays a candidate policy against your recent transactions and shows what it would have decided, without saving anything. No policy is created, no approval runs, and no money moves.The response shows each transaction’s outcome and a summary of how many payments the policy would newly block or newly allow. See Test a policy before you enable it.PoliciesVelocity
Velocity limits per recipient
Count-based velocity limits now accept ascope. WALLET (the default) counts every payment from
the wallet. RECIPIENT counts only payments to the current recipient. See
advanced policies.PoliciesGovernance
Policy version history and rollback
Every change to a policy is now versioned. Each policy keeps a full history, and you can diff any two versions or roll back to an earlier one from the API.A version captures what the policy enforces: its metadata and its full rule set. New versions are appended automatically when you create a policy, change its metadata, or add, edit, or remove a rule. Rollback restores an earlier version and is recorded as its own version. When your organization requires it, rollback runs through the same governance approval workflow as any other policy change. See the version history guide.WebhooksGovernance
Governance and approval events stream to webhooks
Policy changes and approval decisions now emit webhook events for a SIEM, GRC platform, or your own audit pipeline.New events:policy.created, policy.updated, policy.deleted, approval.approved,
approval.denied, and governance.approval.decided. Policy events carry the policy name, type,
scope, and rule count. They never include the underlying rule values, so limits and thresholds
stay out of the event payload. Every event is signed with the same HMAC-SHA256 signature as
existing webhooks. See the webhooks guide for the full payload reference.PoliciesOnboarding
Starter policies for new organizations
New organizations now start with editable starter policies: a$25 per-transaction limit,
a $100 daily limit, and approval for payments above $10. Active starter policies are linked to
new agents automatically, and approval requests have an owner email channel from the start.Rename, edit, deactivate, or delete them from Policies as you move to your own setup.ApprovalsPayments
Approved payments execute and link onchain receipts
Final approval on a managed-wallet payment now submits the transaction automatically.Completed approvals link straight to the onchain transaction receipt, including on Tempo testnet.SDKSkillsApprovalsAgents
Approve payments from your agent skill
An agent’s human owner can approve or reject a pending payment through the agent skill, using the single-use action token from their Conto approval notification.Theconto and conto-hermes skills add pending-approvals, approve-request, and
deny-request commands. Final approval returns the managed-wallet receipt, or hands back an
external-wallet execute and confirm step for agents that hold their own keys.GovernanceApprovalsCompliance
Governance approvals for sensitive changes
You can now require owner or admin review before sensitive organization changes apply, covering API key creation, rotation, and revocation, policy and policy-rule edits, and agent freeze-configuration updates.Turn protected actions on in the Governance tab in settings, review each pending request with its full payload and audit trail, and optionally subscribe a webhook channel togovernance.approval.requested and governance.approval.decided.SDKx402Policies
x402 budgets support session-aware tracking
Conto now tracks x402 budgets bysessionId, with burn rate and remaining budget for each API
payment session alongside aggregate protocol spend.AgentsQuickstartDeveloper Experience
Anonymous agent sandbox
Conto now includes an anonymous agent sandbox flow that creates a test-mode organization, agent, Tempo Testnet wallet, and SDK keys without email verification or manual setup.The agent sandbox quickstart covers setup, a test payment, and the claim flow.Conto PayTrustAgents
Saved-contact trust checks
Conto Pay checks a saved contact’s current payee details before preparing a payment. If a trust warning is unresolved, you review the contact’s current profile before the payment can continue.CLISDKDeveloper Experience
CLI quickstart works end to end
Thenpx @conto_finance/create-conto-agent quickstart now produces a complete agent setup. The
wizard creates a wallet, installs the conto CLI into your project as a dev dependency, and writes a runnable example.ts with an opt-in --execute step.New conto doctor command diagnoses auth, key scopes, wallet, custody mode, chain, balance, and base URL in one pass, backed by GET /api/sdk/setup.Standard SDK keys cover the full payment lifecycle (payments:request, payments:execute, payments:approve, payments:confirm) plus read scopes, and the key creation response now lists the granted scopes.Conto PayPaymentsReceivables
Hosted Conto Pay profiles, requests, and receipts
Conto Pay now supports hosted profile URLs and handles, payee-initiated payment requests, request review pages, direct-payment receipt pages, and a unified activity inbox for discovery, receivables, approvals, and payment follow-up.TrustNetworkControls
Network intelligence sharing controls and explainability
The Network workspace now exposes richer trust explainability, including detailed entity views, contribution-aware trust lookups, Solana wallet reputation signals, and organization-level sharing modes for full, partial, receive-only, or disabled participation.PoliciesTemplates
Policy template library
The Policies workspace now includes use-case-driven templates for infrastructure, vendor payouts, marketing, research, compliance, and time-bound workflows, with recommended limits and similar-policy benchmarks.CounterpartiesTrust
Trust score explainability
Counterparty trust scores now show weighted score breakdowns, positive and negative signals, recommended actions, and the next milestone needed to improve trust.Conto PayAI AssistantPayments
Hosted Conto Pay assistant workflow
Conto Pay now supports a fuller end-to-end workflow in chat, including wallet readiness, recipient setup, approvals, retries, cancellations, and payment execution from one assistant thread.BillingUsage
Billing and usage workspace
Billing settings now show plan details, live usage meters, forecasts, alerts, and invoices in one workspace.Analytics