Risk Management

Secure Autonomous Commerce

Rule-based risk scoring and policy guardrails for the unique challenges of AI agent transactions, with advanced fraud models tracked as roadmap work.

Our Approach

Proactive Defense Architecture

We combine real-time monitoring with cryptographic guardrails to ensure every transaction is authorized and safe.

Transaction Monitoring

Every payment is analyzed against baseline agent behavior. Any anomaly—unusual merchant, sudden spike in volume, or unexpected frequency—is flagged instantly.

Mandate Enforcement

Cryptographic mandates ensure agents can never exceed their hard spending limits. These policies are enforced at the ledger level, not the application level.

Behavioral Analysis

Our risk engine builds a profile for every agent. It learns typical spending patterns and identifies systemic risks across your entire fleet.

Fraud Guardrails

Real-time velocity checks and merchant category blocks prevent high-risk transactions before they hit the network rails.

Policy Engine

Define custom rules for every agent. Restrict transactions by time of day, merchant jurisdiction, or specific API-driven conditions.

Instant Revocation

Detect a compromised agent? Kill its authorization and freeze its associated wallets instantly across the entire platform.

Built-in Guardrails

Unlike traditional payment systems, SpendGuard is aware of the autonomous nature of your transactions. We proactively manage risk at the edge.

  • Real-time transaction scoring
  • Cryptographic mandate validation
  • Automated merchant blacklisting
  • Dynamic spending limit enforcement
  • Immediate incident response
// Set risk policy for procurement agent
agentpay.risk.setPolicy("agent_01", {
velocity_limit: 5, // max tx per hour
single_tx_max: 250.00,
allowed_categories: ["software", "compute"],
risk_score_threshold: 0.85
});

Protect Your Operations

Deploy agents with confidence. Our risk management system scales with your autonomous fleet.