Spend Limit Policies

Spend limit policies control the maximum amount that can be spent per transaction, day, week, or month.

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_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 (number)
`DAILY_LIMIT`	Maximum total spend per day	`LTE`	Amount (number)
`WEEKLY_LIMIT`	Maximum total spend per week	`LTE`	Amount (number)
`MONTHLY_LIMIT`	Maximum total spend per month	`LTE`	Amount (number)
`BUDGET_CAP`	Budget with period	`LTE`	`{"amount": N, "period": "MONTHLY"}`

How It Works

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

Conto uses fixed-precision monetary values for spend limits, balances, and transaction amounts to avoid floating-point rounding issues in financial calculations.

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: "Would exceed daily limit: $250 remaining"

Wallet-Level Limits

In addition to policies, limits can be set on the agent-wallet link:

{
  "agentId": "cmm59z8fj000l49h7bjqza11p",
  "walletId": "cmm5b2wal002n49h7ckrtb33r",
  "spendLimitPerTx": 100,
  "spendLimitDaily": 1000,
  "spendLimitWeekly": 5000,
  "spendLimitMonthly": 15000
}

These are evaluated first, before policy rules.

Auto-creation defaults: When an external wallet is auto-created, the system applies these defaults: daily =

1,000, weekly =

5,000, monthly = $20,000, no per-transaction limit. You can override these when linking a wallet to an agent. Wallet-level limits treat null, omitted fields, and 0 as unlimited; use a deny policy or suspend the agent when you need to block spend.

Tracking Spend

The system tracks spending automatically:

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

Best Practices

Start Conservative

Begin with a low per-transaction cap and increase based on operational needs:

{
  "ruleType": "MAX_AMOUNT",
  "operator": "LTE",
  "value": "50",
  "action": "ALLOW"
}

Layer Limits

Use multiple limit types for defense in depth:

Per-tx: Prevents single large payments
Daily: Limits daily exposure
Monthly: Controls overall budget

Different Limits per Agent

Create different policies for different agent risk levels:

Low-risk agents: Higher limits
New agents: Lower limits until proven
Critical agents: Strict limits + approval

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Guides

Reference

Changelog

Spend Limits

Spend Limit Policies

Configuration

Rule Types

How It Works

Example Evaluation

Wallet-Level Limits

Tracking Spend

Best Practices

​Spend Limit Policies

​Configuration

​Rule Types

​How It Works

​Example Evaluation

​Wallet-Level Limits

​Tracking Spend

​Best Practices

Spend Limit Policies

Configuration

Rule Types

How It Works

Example Evaluation

Wallet-Level Limits

Tracking Spend

Best Practices