Go on.

On your terms.

AllowIt lets your AI agents spend and invest,
within a policy you set.

Give it
a policy.

What it may buy, how much it may spend, and until when.

TOOLS & DATA$10030 DAYS

Every request
is checked.

Inside the policy, the agent goes ahead.
Outside it, the request is denied.

You still
call it.

Unclear requests come back to you.
Revoke the policy, and it stops.

Give an agent a scope, a budget and an expiry. AllowIt checks every action against those terms. Outside the terms, nothing moves.

Follow the story ↓

A short history of handing over money

People have always handed money to others, with limits.

A cheque is an instruction to someone else: pay this person, this sum, from my account. The oldest surviving English one was written in 1659.

Messrs Morris & Clayton16 February 1659

Pay unto Mr Delboe

the sum of four hundred pounds

£400Nicholas Vanacker

People will hand an agent the task.
Not yet the money.

Payments
72%
of US consumers have used an AI assistant
23%
trust AI to handle payments on their behalf
Visa Trust Index, Harris Poll, May 2026, 2,065 US consumers
Investing
68%
of asset managers use AI in the investment process
5%
give AI the authority to make the decision
Mercer, February 2026, 131 asset managers

The agentic economy grows only as fast as this gap closes.

Ways to let an agent use your money

It acts on its own inside the policy, asks you when a call is unclear, and stops at the edge.

  1. Move 200 USDC into a treasury fundAllowed
  2. Buy a filings dataset · 0.80 USDCAllowed
  3. Rent two hours of compute · 3 USDCAllowed
  4. Rebalance, leaving 12% liquidYour floor is 20%Denied
  5. Shift 150 USDC into a peso fundCurrency risk unclearAsks you
  6. Renew a data subscription · 9 USDCAllowed

You give it a job.
It should be able to finish.

Some of what an agent needs is not on the open web: proprietary data, specialised models, verified contacts. x402 lets it buy exactly that, one request at a time. Here is one job, with and without AllowIt.

You approve a $15 policy for this job.

It sets what the agent may buy, how much, and for how long. Your keys stay with you.

You

Find Berlin warehouses with the best rooftop solar potential and who decides on energy at each, with a verified work email. Make the top ten a one-page pitch showing panels on their own roof. Spend up to $15. Business data only.

Your agent

I can list the buildings, but roof data, contact databases, aerial images and image generation are all paid. I don’t have access to any of them. Can you set that up?

Solar prospectingApproved by you
$15one shared limit
  • Business data only
  • Images up to $0.25 each
  • Expires in 2 hours

AllowIt checks these terms before every payment.

The budget splits with the work.

Each agent gets a share of its parent’s allowance: the email checker $1 of the contact finder’s $7, the renderer $2.50 of the pitch designer’s $5. Every share comes out of your $15.

Your prospecting agent

Splits the work and hands each part a narrower allowance.

Site scout

Finds the best roofs

$3 ceiling · solar data

60 warehouses from open map data · free

Google Solar API
60 roofs analysed$1.20 paidSunshine and roof geometry come from Google’s model, not the open web

Contact finder

Who decides on energy

$7 ceiling · people data
FullEnrich
25 decision-maker searches$3.75 paidRoles and work contacts live in licensed databases
Delegates inside its $7

Email checker

$1 ceiling · Hunter only

Hunter
22 emails verified$0.66 paid · inside the $7Proving a mailbox exists needs a trusted mail server

Pitch designer

One page per prospect

$5 ceiling · images
Google Solar API
10 aerial roof images$0.80 paidHigh-resolution aerial imagery is licensed, not free
Delegates inside its $5

Renderer

$2.50 ceiling · image model only

Tried a premium image model at $0.50 an image. Denied: your limit is $0.25 an image.

Image model
10 panel renders$2.00 paid · inside the $5Drawing panels onto a real roof takes a paid model on a GPU

The results return to your prospecting agent.

$8.41 spent · $6.59 left · 1 request denied

Every payment is on record.

The log shows what was bought, by which agent and for how much, including the request that was denied.

Your agent

Your solar prospects are ready.

22 warehouses with strong rooftop solar potential, the person who decides at each and a verified work email, plus a one-page pitch for the top ten with panels drawn on their own roof. I spent $8.41.

Payments · solar prospects5 allowed · 1 denied
  1. AllowedGoogle Solar API60 rooftop solar analysesSite scout$1.20
  2. AllowedFullEnrich25 decision-maker searchesContact finder$3.75
  3. AllowedHunter22 email verificationsEmail checker$0.66
  4. AllowedGoogle Solar API10 aerial roof imagesPitch designer$0.80
  5. DeniedPremium image model10 renders at $0.50 each · over your $0.25 limitRenderer$0.00
  6. AllowedImage model10 panel renders at $0.20 eachRenderer$2.00
Paid$8.41 of $15

Unit prices from the x402 catalogs of StableEnrich (data) and StudioMCPHub (image generation), October 2026.

Let it run the portfolio.
You set the policy.

Stablecoins, tokenised funds, on-chain positions. An agent can rebalance, buy and redeem around the clock, inside a policy you approve: which assets, how much per trade, what must stay liquid, and when it comes back to you.

Policy · Portfolio

1,000 USDC

Assets
Approved list only
Per trade
250 USDC
Cash floor
20% in USDC
Concentration
25% per asset
Judgement
No unusual currency risk

Policy created from this prompt: “Manage 1,000 USDC of approved assets. Keep 20% liquid, nothing above 25% in one asset, and ask me about unusual currency risk.”

Your agent tries to:

AllowIt checks it against the policy:

  1. Approved assetTreasury fundpasses
  2. Per trade200 of 250 USDCpasses
  3. Cash floor24% left · floor 20%passes
  4. Concentration18% · limit 25%passes
  5. Your judgementFit 0.91 · go at 0.85passes
Allowed

Allowed.

Every rule passes. The agent goes ahead on its own.

AllowIt checks it against the policy:

  1. Approved assetTreasury fundpasses
  2. Per trade200 of 250 USDCpasses
  3. Cash floor24% left · floor 20%passes
  4. Concentration18% · limit 25%passes
  5. Your judgementFit 0.91 · go at 0.85passes
Allowed

Allowed.

Every rule passes. The agent goes ahead on its own.

Why wallets alone break when agents hire agents

Give an agent your wallet?It can spend everything you own.

A wallet key is all or nothing: whoever holds it can move all of your money. Any web page or email the agent reads can instruct it to send that money elsewhere.

You Your wallet10,000 USDC Your wallet10,000 USDC Policy10,000 USDC
Lead agent Your keyeverything you own 0x4f…a12,000 USDC 2,000 USDCthis project · 30 days
Researcher 0x8c…02500 USDC 0x8c…02500 USDC 300 USDCdata only
Source finder 0x2a…11300 USDC 0x2a…11300 USDC 100 USDCfilings only
Summariser 0xb0…7d100 USDC 0xb0…7d100 USDC No spendingreads, never pays
Trading desk 0x1d…9e1,500 USDC 0x1d…9e1,500 USDC 1,500 USDCapproved assetsRevoked by you
Executor 0xe5…381,500 USDC 0xe5…381,500 USDC 1,500 USDCtrades up to 250
Data buyer 0x73…c4400 USDC 0x73…c4400 USDC 150 USDCdata APIs
Email checker 0x6f…d2200 USDC 0x6f…d2200 USDC 50 USDCHunter onlyPaid Hunter 0.03 USDC
Price watcher 0x9b…40400 USDC 0x9b…40400 USDC 20 USDCprice data onlyPrompt-injected · sent 400 USDCAsked for 400 · denied at 20

From a sentence
to a policy.

Run my research desk with up to 1,000 USDC. Keep at least 20% in USDC and no more than 25% in any one asset. You may buy and sell approved tokenised funds, and buy the data you need for the analysis. Ask me before anything with unusual currency risk. Stop at the end of the year.

  1. 01Say it in your own words.Describe the job, the money and the judgement calls, the way you would brief a person.

    Run my research desk with up to 1,000 USDC. Keep at least 20% in USDC and no more than 25% in any one asset. You may buy and sell approved tokenised funds, and buy the data you need for the analysis. Ask me before anything with unusual currency risk. Stop at the end of the year.

  2. 02AllowIt writes the policy.Your words become a policy: hard limits as code, and the judgement call kept in your own phrasing.
    use allowit::v1::prelude::*;
    
    pub async fn exec(ctx: &Context) -> PolicyResult {
        set_cap(ctx, "1000", "USDC")?;
        cap_per_transaction(ctx, "250", "USDC")?;
        allow_actions(ctx, &["buy_asset", "sell_asset", "buy_data"])?;
        check_preference(ctx, "Does this keep at least 20%
          in USDC, no asset above 25%, and avoid
          unusual currency risk?", None, 0.85).await?;
        Ok(())
    }
    1. Total budget1,000 USDC
    2. Per action250 USDC
    3. Permitted actionsbuy_asset · sell_asset · buy_data
    4. Your judgementgo at 0.85 and above
    5. Expires31 Dec 2026
  3. 03Hand it to your agent.One skill file teaches any agent your policy, and the only way it may move money: through AllowIt.
    SKILL.md
    ---
    name: allowit-policy
    description: Check and submit every paid or
      trading action for the AllowIt policy
      "Research desk". Use before any payment,
      trade or transfer in this task.
    ---

    Every action that moves money goes through this policy. The policy is enforced by AllowIt, outside the agent. The agent cannot change or bypass it.

    Works with any agent that can read a skill and use a tool.

  4. 04It gets on with it.Every action is checked before it happens. Inside the policy, the agent simply proceeds.
    1. agentBuying a filings dataset for the analysis. 0.80 USDC.
    2. policyAllowed. Data purchases are permitted and within budget.
    3. agentMoving 200 USDC into a treasury fund. 24% stays in USDC.
    4. policyAllowed. Every rule passes.
    5. receipt200.80 of 1,000 USDC used · 2 decisions recorded
  5. 05You call the close ones.When an action is unclear, the agent stops and asks. Your answer decides.
    1. agentShifting 150 USDC into a peso treasury fund.
    2. policyReview. The limits pass; your judgement scores 0.52 of 0.85.
    3. “Does this avoid unusual currency risk?”

You set the bounds.
Your agent chooses the actions.

Try it in the demo: write a policy in plain words, hand it to an agent, and watch every action get checked.

  1. 01Open the workspace

    In the header, set the network to Local dev. No wallet, no funds.

  2. 02Write a policy

    Pick an example or describe your own, in plain words. Generate the policy.

  3. 03Hand it over

    Approve the budget to create the agent skill. Copy it to your agent.

  4. 04Watch it work

    Follow each request and decision live. Answer the ones that come back to you.

Common questions.

What is a policy?

The rules an agent must follow when it touches your money: what it may do, with which assets or services, how much, until when, when it must ask you, and what it may hand on to other agents. AllowIt writes it from your words. You approve it before it takes effect.

What is Ackrate?

Ackrate is our policy engine. It checks each proposed action against your policy before execution, outside the agent, and records the decision.

Does the agent get my money or my keys?

No. Your agent receives a skill and an access token scoped to one policy. Access expires, and cancelling the policy revokes it. AllowIt enforces the policy outside the agent; the agent’s tools cannot change or bypass it.

What happens when an action does not fit?

It is denied, with the reason. A hard limit, such as a per-trade cap, cannot be overridden. Actions that pass the limits but leave the judgement unclear wait for your answer.

Which agents can use it?

Any agent that can read a skill and use a tool: hand it the skill AllowIt creates for your policy. Or let the hosted agent in AllowIt run the job for you.

Does real money move in the demo?

In Local dev, actions are simulated. No wallet connects and no funds move.