AI agent payment operations
Guardrails for AI agent payments.
Attribute every paid API call, tool purchase, and protocol payment to the agent, tool, and session that made it. Set budgets, enforce approvals before settlement, and reconcile the result — without holding your funds or private keys.
Non-custodialx402, MPP, AP2Budgets before settlement
Now liveFateA symbolic life roguelike where your fate chart is the class and your choices are the run.PlatformSpend ControlGuardrails for AI agent payments.Now liveStillwellSleep stories, guided meditation, soundscapes — and Voice Stories text narration. No dark patterns.AvailableCrewProofScheduling and proof of service for cleaning teams.AvailableImgKit Gift StudioPersonalized digital gifts from one photo.
What Spend Control does
Spend Control stops AI agents from overspending by attributing every paid API call to an agent, tool, and session, then checking it against your budgets and approval rules before the money moves — and reconciling the result afterwards, without ever holding your funds or keys.
Autonomous agents spend real money — often with no one watching.
A single misconfigured agent can issue thousands of paid API calls without a human in the loop. Spend Control makes that spend visible and bounded before it becomes a bill. Read how on the blog →
Attribute
Know which agent, tool, and session initiated every paid call.
Control
Apply budgets, allowlists, and approval rules before money moves.
Reconcile
Verify settlement independently and export a defensible audit trail.
Practical guides to agent spend, payments, and audit.
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@harpd/observe
Zero-dependency transaction observability for AI agents.
agent-budget-policy
Declarative budgets and approval rules for agent payments.
x402-logging-middleware
Request/response logging for x402 payment flows.
agent-transaction-audit-schema
A portable schema for agent transaction audit trails.
mcp-paid-tool-starter
Starter kit for paid MCP tools and per-call billing.
More focused experiments from Harpd.
These products stand on their own for specific workflows. Spend Control is our platform bet; Labs are live experiments we keep honest.
Now live
Players who enjoy narrative strategy, deckbuilding and alternate lives
Fate
A symbolic life roguelike where your fate chart is the class and your choices are the run.
Open product ↗Now live
Anyone who wants better sleep, calm, or text narrated aloud without subscription traps
Stillwell
Sleep stories, guided meditation, soundscapes — and Voice Stories text narration. No dark patterns.
Explore productAvailable
Cleaning and field-service teams
CrewProof
Scheduling and proof of service for cleaning teams.
Explore productAvailable
People creating meaningful gifts
ImgKit Gift Studio
Personalized digital gifts from one photo.
Open product ↗Harpd Spend Control, in plain terms
What does Harpd do?
Harpd builds Spend Control, a platform that puts guardrails around AI agent payments. It attributes every paid call to an agent, tool and session; enforces budgets and approvals before settlement; and reconciles the result — without holding your funds or private keys.
What is an AI agent payment?
An AI agent payment is a machine-initiated transaction where an autonomous agent pays for an API, tool or service on your behalf — using protocols like x402, MPP or AP2. Spend Control attributes and gates those payments.
How does Spend Control stop agents from overspending?
It intercepts paid calls before settlement. You set per-agent budgets, allowlists and an approval threshold; calls that exceed a limit are blocked or routed to a human for review, then every payment is reconciled against the policy afterwards.
Does Spend Control hold my money or private keys?
No. Spend Control is non-custodial. It observes and gates spend through your existing payment stack — it never takes custody of funds or signing keys, so there is no new counterparty risk.
Which AI agent payment protocols does it support?
Spend Control works across the three leading agent-payment protocols: x402, MPP and AP2. The same policy layer applies regardless of which protocol an agent uses to pay.
What is the difference between Observe and Enforce mode?
Observe mode attributes and reports spend with no blocking — safe to switch on immediately. Enforce mode applies budgets and approvals before settlement, actively preventing overspend. You can start in Observe and move to Enforce when confident.
Are Stillwell, CrewProof, ImgKit and Fate part of Spend Control?
No. They are separate products built under Harpd Labs: Stillwell (sleep and calm), CrewProof (cleaning crew scheduling and proof of service), ImgKit Gift Studio (personalized digital gifts), and Fate (a symbolic life roguelike). Spend Control is the platform bet.
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