Budget Requests

Budget requests let an agent ask for a spending budget that a human reviews and approves in the dashboard. Once approved, spend is tracked against the approved amount across all payment types (standard, x402, MPP, card). When the budget is exhausted, further payments are blocked.

Budget requests are optional. If no active budget exists for an agent, all payment flows work normally using existing spend limits and policies. When an active budget does exist, both the budget and policies must pass for a payment to go through.

How It Works

Agent                                    Human (Dashboard)
  │                                          │
  ├─ request_budget ──────────────────────>  │ Sees request in Budgets tab
  │  (amount, purpose)                       │
  │                                          │
  ├─ get_budget_request ◄──────────────────  │ Approves (optionally adjusts
  │  (polls for APPROVED)                    │ amount) or rejects
  │                                          │
  ├─ Makes payments normally:                │
  │  • payments/request ──> budget check     │
  │  • x402/pre-authorize ──> budget check   │
  │  • mpp/pre-authorize ──> budget check    │
  │  • After execution ──> spend decremented │
  │                                          │
  └─ Budget exhausted → payments blocked     │ Sees spend progress bar

Lifecycle

A budget request moves through these states:

Status	Description
`PENDING`	Awaiting human review. Expires 24h after creation if not acted on.
`APPROVED`	Human approved. Spend is tracked. Expires at a set time (default 24h after approval).
`REJECTED`	Human rejected with an optional reason.
`EXPIRED`	Timed out without approval, or approved budget window elapsed.
`EXHAUSTED`	Approved budget fully spent (`currentSpend >= approvedAmount`).

Constraints:

One active (PENDING or APPROVED) budget request per agent at a time
Creating a new request while one is active returns 409 BUDGET_REQUEST_EXISTS

SDK API

Create a Budget Request

curl -X POST https://conto.finance/api/sdk/budget-request \
  -H "Authorization: Bearer $CONTO_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 50,
    "purpose": "Research 200 companies via StableEnrich and generate reports",
    "category": "API_PROVIDER"
  }'

Parameters:

Parameter	Type	Required	Description
`amount`	number	Yes	Requested budget in USDC
`purpose`	string	Yes	What this budget is for (shown to the reviewer)
`category`	string	No	Spend category (e.g., `API_PROVIDER`, `INFRASTRUCTURE`)
`metadata`	object	No	Arbitrary context (JSON)

Response (201):

{
  "budgetRequestId": "cmm59z...",
  "status": "PENDING",
  "requestedAmount": 50.0,
  "purpose": "Research 200 companies via StableEnrich and generate reports",
  "category": "API_PROVIDER",
  "createdAt": "2026-04-07T12:00:00.000Z"
}

Error (409), active request already exists:

{
  "error": "Agent already has an active budget request",
  "code": "BUDGET_REQUEST_EXISTS",
  "existingBudgetRequestId": "cmm58y..."
}

Check Budget Request Status

curl https://conto.finance/api/sdk/budget-request?status=APPROVED \
  -H "Authorization: Bearer $CONTO_API_KEY"

Query Parameters:

Parameter	Type	Required	Description
`id`	string	No	Specific budget request ID
`status`	string	No	Filter: `PENDING`, `APPROVED`, `REJECTED`, `EXPIRED`, `EXHAUSTED`

Response (200):

{
  "budgetRequests": [
    {
      "id": "cmm59z...",
      "status": "APPROVED",
      "requestedAmount": 50.0,
      "approvedAmount": 25.0,
      "currentSpend": 12.5,
      "remainingBudget": 12.5,
      "purpose": "Research 200 companies via StableEnrich and generate reports",
      "category": "API_PROVIDER",
      "expiresAt": "2026-04-08T12:00:00.000Z",
      "createdAt": "2026-04-07T12:00:00.000Z"
    }
  ]
}

MCP Tools

request_budget

Request a spending budget for payments. Submits a request for human approval. Only one active budget request per agent at a time. Applies to all payment types.

Parameter	Type	Required	Description
`amount`	number	Yes	Requested budget in USDC
`purpose`	string	Yes	What this budget is for (shown to reviewer)
`category`	string	No	Spend category (e.g., `API_PROVIDER`, `INFRASTRUCTURE`)
`metadata`	object	No	Additional context

get_budget_request

Check status and remaining balance of your budget requests. Use to poll for approval and monitor remaining budget.

Parameter	Type	Required	Description
`budgetRequestId`	string	No	Specific request ID
`status`	string	No	Filter: `PENDING`, `APPROVED`, `REJECTED`, `EXPIRED`, `EXHAUSTED`

Payment Flow Integration

When an active (approved, non-expired) budget exists, every payment flow checks it automatically: Pre-execution (blocking):

payments/request: checks budget before policy evaluation
payments/approve: checks budget for external wallet payments
x402/pre-authorize: checks budget before authorizing x402 payments
mpp/pre-authorize: checks budget before authorizing MPP payments

Post-execution (decrement):

payments/execute: decrements budget after successful execution
x402/record: decrements budget when recording x402 payments
mpp/record: decrements budget when recording MPP payments

If a payment would exceed the remaining budget, it is denied with a budgetRequest object in the response:

{
  "authorized": false,
  "reasons": ["Payment of $30.00 exceeds remaining budget of $12.50"],
  "budgetRequest": {
    "id": "cmm59z...",
    "approvedAmount": 25.0,
    "currentSpend": 12.5,
    "remainingBudget": 12.5
  }
}

Dashboard

Budget requests appear in the Budgets tab on the Alerts & Approvals page. Pending requests show:

Agent name, purpose, requested amount, category
Approve / Reject buttons
Optional amount adjustment field (approve a different amount than requested)

Approved requests show:

Spend progress bar (currentSpend / approvedAmount)
Remaining balance and expiry countdown
Whether the amount was adjusted from the original request

Completed requests (rejected, expired, exhausted) show their final state.

Approving a Request

curl -X POST https://conto.finance/api/budget-requests/{id}/decide \
  -H "Authorization: Bearer $SESSION_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "decision": "APPROVED",
    "approvedAmount": 25.00,
    "expiresInHours": 48
  }'

Parameter	Type	Required	Description
`decision`	string	Yes	`APPROVED` or `REJECTED`
`approvedAmount`	number	No	Override amount (defaults to requested amount)
`expiresInHours`	number	No	Budget window in hours (default: 24)
`comment`	string	No	Optional note

Audit Trail

Every state transition creates an audit log entry:

Transition	Action	Actor
Agent creates request	`CREATE`	Agent
Human approves	`APPROVE`	User
Human rejects	`REJECT`	User
Spend recorded	`UPDATE`	Agent
Budget exhausted	`UPDATE`	System
Budget expired	`UPDATE`	System

Example: Agent Workflow

// 1. Request a budget
const budget = await fetch('/api/sdk/budget-request', {
  method: 'POST',
  headers: {
    Authorization: `Bearer ${apiKey}`,
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    amount: 50,
    purpose: 'Research 200 companies via paid APIs',
    category: 'API_PROVIDER',
  }),
}).then((r) => r.json());

console.log('Budget request:', budget.budgetRequestId); // PENDING

// 2. Poll for approval
let approved = false;
while (!approved) {
  const status = await fetch(`/api/sdk/budget-request?id=${budget.budgetRequestId}`, {
    headers: { Authorization: `Bearer ${apiKey}` },
  }).then((r) => r.json());

  const req = status.budgetRequests[0];
  if (req.status === 'APPROVED') {
    console.log(`Approved: $${req.approvedAmount} budget`);
    approved = true;
  } else if (req.status === 'REJECTED' || req.status === 'EXPIRED') {
    throw new Error(`Budget ${req.status}`);
  }

  await new Promise((r) => setTimeout(r, 5000));
}

// 3. Make payments normally, budget is enforced automatically
await conto.payments.pay({
  amount: 0.05,
  recipientAddress: '0x...',
  purpose: 'StableEnrich API call',
});
// Budget decremented: $49.95 remaining

Next Steps

Payments

Standard payment request and execution

x402 Payments

HTTP 402 micropayment handling

Spend Limits

Configure wallet spend limits

MCP Tools

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Budget Requests

Budget Requests

How It Works

Lifecycle

SDK API

Create a Budget Request

Check Budget Request Status

MCP Tools

request_budget

get_budget_request

Payment Flow Integration

Dashboard

Approving a Request

Audit Trail

Example: Agent Workflow

Next Steps

Payments

x402 Payments

Spend Limits

MCP Tools

​Budget Requests

​How It Works

​Lifecycle

​SDK API

​Create a Budget Request

​Check Budget Request Status

​MCP Tools

​request_budget

​get_budget_request

​Payment Flow Integration

​Dashboard

​Approving a Request

​Audit Trail

​Example: Agent Workflow

​Next Steps

Payments

x402 Payments

Spend Limits

MCP Tools

Budget Requests

How It Works

Lifecycle

SDK API

Create a Budget Request

Check Budget Request Status

MCP Tools

request_budget

get_budget_request

Payment Flow Integration

Dashboard

Approving a Request

Audit Trail

Example: Agent Workflow

Next Steps