Runtime controls

Policy Engine

Define the rules for how agents spend, then evaluate every payment request before funds move. Conto keeps limits, categories, trust requirements, and approval rules in the transaction path.

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Decision point

Before settlement

Rule types

Limits, trust, categories, velocity

Outcome

Approve, deny, or route

Capabilities

Policy controls built for the payment decision

Use policy primitives that evaluate spend at the moment an agent asks to move money.

Spend limits

Set per-transaction, daily, weekly, monthly, and scoped limits by agent, wallet, merchant, category, or project.

Counterparty rules

Require trusted recipients, block risky addresses, and route unknown counterparties to review.

Velocity controls

Catch broken loops, retry storms, and unexpected payment bursts before a wallet is drained.

Approval thresholds

Let routine payments clear while higher-risk requests pause for human review with full policy context.

Workflow

How policy decisions shape each payment

The engine sits between agent intent and settlement, turning configured rules into approve, deny, or route decisions.

Step 1

Configure rules

Create policies for the agent, wallet, payment rail, category, counterparty, or approval path.

Step 2

Evaluate every request

Conto checks the payment request against active policies when the agent tries to pay.

Step 3

Return a clear decision

Approved payments continue, denied requests stop, and exceptions route into approval workflows.

Visibility

Policy outcomes your teams can inspect

Finance, operations, and security can see which rule fired, why it fired, and what happened to the payment next.

Conto dashboard showing agent payment controls

Outcomes

What changes when policy runs at transaction time

Agents can transact autonomously without bypassing financial controls.

Finance and security see the exact policy decision behind each payment.

Control changes happen in one platform instead of scattered runtime code.

Solution patterns that depend on runtime policy

Escalation paths

Approval routing for high-value or ambiguous payment decisions

Some payment decisions need a pause, not a hard stop. Agents can keep moving on the standard path while the payment layer pauses only the transactions that need human approval.

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Vendor trust controls

Vendor and counterparty controls for autonomous payments

Trusted vendors should clear quickly, and new counterparties should not slip through unnoticed. Conto keeps vendor, merchant, and service-provider policy attached to the payment path so recipient drift is caught immediately.

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Micropayments

x402/MPP and service-spend budgets for machine payments

When agents are paying for APIs, inference, or compute by the call, Conto applies per-request caps and session budgets so service spend stays bounded even when the agent is making many decisions per minute.

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