Spend limits

Configuration

Create a complete SPEND_LIMIT policy with its rules in one request:

curl -X POST https://conto.finance/api/policies \
  -H "Authorization: Bearer $CONTO_ORG_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Spend Limits",
    "policyType": "SPEND_LIMIT",
    "priority": 50,
    "isActive": true,
    "rules": [
      {"ruleType": "MAX_AMOUNT", "operator": "LTE", "value": "500", "action": "ALLOW"},
      {"ruleType": "DAILY_LIMIT", "operator": "LTE", "value": "2000", "action": "ALLOW"},
      {"ruleType": "WEEKLY_LIMIT", "operator": "LTE", "value": "10000", "action": "ALLOW"},
      {"ruleType": "MONTHLY_LIMIT", "operator": "LTE", "value": "30000", "action": "ALLOW"}
    ]
  }'

Rule types

Rule Type	Description	Operator	Value
`MAX_AMOUNT`	Maximum per single transaction	`LTE`	Amount string, such as `"500"`
`DAILY_LIMIT`	Maximum total spend per day	`LTE`	Amount string
`WEEKLY_LIMIT`	Maximum total spend per week	`LTE`	Amount string
`MONTHLY_LIMIT`	Maximum total spend per month	`LTE`	Amount string
`BUDGET_CAP`	Budget with period	`LTE`	`{"amount": N, "period": "MONTHLY"}`

value is always a string, such as "500", or a JSON-encoded object for BUDGET_CAP. A bare number fails validation. See Budget allocations for BUDGET_CAP periods and scopes.

How it works

Per-Transaction: Checked against the requested amount
Daily/Weekly/Monthly: Checked against cumulative spend + requested amount

Daily, weekly, and monthly policy limits assigned to an agent or to the organization count the agent’s combined spend across its wallets and live cards. With a

100 daily limit, a

60 wallet payment leaves $40 available for live-card payments that day. Concurrent wallet and card reservations share the same agent lock and recheck hard period limits before recording spend. Synthetic test-card spending stays separate from wallet and live-card totals. A policy assigned only to a wallet counts the agent’s spend through that wallet. A policy linked to one card counts that card’s spend. Limits set on an individual agent-wallet or agent-card link remain additional restrictions. Scoped BUDGET_CAP and velocity rules use their own transaction histories, not the combined period counters. See Budget allocations.

Example evaluation

Agent: Operations Agent
Daily Limit: $1,000
Spent Today: $750

Request: $300 payment

Evaluation:
- Per-tx check: $300 < limit (pass)
- Daily check: $750 + $300 = $1,050 > $1,000 (FAIL)

Result: DENIED
Reason: "This payment exceeds a configured spending limit."

Wallet-level limits

Set limits on the agent-wallet link when you link it with POST /api/agents/{agentId}/wallets. To change them later, send the limit fields without walletId to PATCH /api/agents/{agentId}/wallets/{walletId}:

{
  "walletId": "cmm5b2wal002n49h7ckrtb33r",
  "spendLimitPerTx": 100,
  "spendLimitDaily": 1000,
  "spendLimitWeekly": 5000,
  "spendLimitMonthly": 15000
}

These are evaluated first, before policy rules. Wallet-level limits count spend through that one agent-wallet link only. To edit them in the dashboard:

Open the agent detail page.
On the Overview or Wallets tab, click the pencil icon next to the wallet.
Update the per-transaction, daily, weekly, or monthly limits and click Save Changes. To remove a cap, clear the field instead of entering 0.

Auto-creation defaults: When an external wallet is auto-created, Conto applies per-transaction

100, daily

1,000, weekly

5,000, and monthly

20,000. You can override these when linking a wallet to an agent. On update, null removes a cap. A limit of 0 blocks all payments through that link. Omission on creation applies endpoint defaults (per-transaction

100, daily

1,000). Omission on update preserves the existing value. See Defaults.

Tracking spend

Conto tracks spend automatically:

spentToday - Resets at midnight UTC
spentThisWeek - Resets Monday midnight UTC
spentThisMonth - Resets 1st of month midnight UTC

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Conto Pay

Spend limits

Configuration

Rule types

How it works

Example evaluation

Wallet-level limits

Tracking spend

​Configuration

​Rule types

​How it works

​Example evaluation

​Wallet-level limits

​Tracking spend

Configuration

Rule types

How it works

Example evaluation

Wallet-level limits

Tracking spend