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Policy Engine

The policy engine gives granular control over how funds move.

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What You Can Control

Rule TypeExamples
WhoOwner, delegates, agents, specific addresses
WhatAmount limits per-tx, daily, weekly, monthly
WhereWhitelisted destinations, blocked addresses
WhenTime windows, schedules, expiration dates
HowMulti-approver for high-value, auto-approve for small

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Spend Limits

{
  "limits": {
    "perTransaction": 1000,
    "daily": 5000,
    "monthly": 50000
  }
}
Transactions exceeding limits are blocked or require additional approval.

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Destination Controls

Whitelist specific addresses or categories: 
{
  "allowedDestinations": [
    "0xMerchant...",
    "alice@stableyard"
  ],
  "blockedDestinations": [
    "0xSuspicious..."
  ]
}

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Agent Permissions

Grant limited access to AI agents or services: 
{
  "agent": "ai-assistant",
  "permissions": {
    "maxPerTx": 50,
    "dailyLimit": 200,
    "allowedCategories": ["api-calls", "subscriptions"]
  }
}
Agents can spend within policy constraints without user signatures.

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Recurring Payments

Pre-authorize subscription charges: 
{
  "subscription": {
    "recipient": "netflix@stableyard",
    "amount": 15.99,
    "frequency": "monthly",
    "maxCharges": 12
  }
}
The merchant can pull payments without per-cycle user approval.

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Revocation

All policies are revocable by the account owner at any time.