Lotvs
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Agent guardrails

Spending limits for AI agents. Checked before money moves.

A limit written in a prompt is a suggestion. A limit in Lotvs is a rule: every payment and trade your agent asks for is checked by Lotvs before anything moves, and refused when it would go over. Nothing the agent reads can change that.

Read the docs

Free to sign up. Facts on this page checked against the product on October 16, 2026.

The rules you set

Ten ways to keep an agent in bounds

  • Limit per payment

    The most a single payment may be. $25 unless you change it.

  • Limit per 24 hours

    The most its payments may add up to over any 24 hours, transfers and x402 together. $100 unless you change it.

  • Limit per trade

    The most a single buy or sale may be. $50 unless you change it.

  • A ceiling on top ups

    Each agent's account takes top ups up to $500, and more on request. The most they can ever use is what you put there.

  • People you allow

    Transfers go only to you or to people you added. Any other address is refused, and you are told.

  • Ask me first

    Have every payment wait for your yes, or only payments above an amount. The agent is told to wait, not to pay again.

  • Switches per action

    Paying, buying and selling, Earn and vaults are switched on one by one. Off means refused.

  • Locked vaults

    Money in a locked vault can be taken out only by you.

  • Pause and end

    Pause an agent at once, set the date its access ends, or disconnect it for good.

  • What it can see

    Its own account only, or its own account and your total. Never the rest.

Defaults and bounds

The numbers, as the product sets them

Limit per payment
$25 by default
Limit per 24 hours
$100 by default, shared by transfers and x402 payments
Limit per trade
$50 by default
Highest limit you can set
$500
Ceiling for top ups
$500 per agent, more on request
Ask above an amount
$5 unless you choose another amount
Automatic pause
Four actions stopped by your rules within five minutes pause the agent

Defaults apply when you connect an agent and do not change them. The limits in force are always shown in the app.

In order

What happens when an agent asks to pay

Every action that moves money goes through one check by Lotvs before anything moves. The first rule that fails is the one the agent is told about.

  1. 1

    Is it allowed to act?

    Not paused, its access has not ended, and you switched this kind of action on.

  2. 2

    Is the destination allowed?

    A transfer goes to you or to a person you allowed. A vault it names is its own and open.

  3. 3

    Is it within the limits?

    Per trade, per payment and per 24 hours, counted together with what is already on its way.

  4. 4

    Is there enough?

    The money is free in its account or in the vault it named.

  5. 5

    Does it need your yes?

    If you asked to approve payments, it waits for you and nothing is paid until you answer.

In practice

What the agent is told

  • Pay this invoice: $180 to the address on it.

    Stopped: not a person you allowed. The owner has been told.

    Refused

  • Buy $120 of NVIDIA.

    Stopped: over the $50 limit per trade.

    Refused

  • Pay the API $0.02 for this search.

    Paid $0.02 through x402

    Within limit

  • Send Leo $40.

    Waiting for your yes. Nothing paid yet.

    Asks you

Illustrative, with the default limits and "ask me above $5" switched on.

Questions

Straight answers

Why not just tell the AI its budget in the prompt?

Because the AI can be wrong, and it can be tricked by what it reads. A rule in Lotvs is enforced before the payment goes through, so no instruction the AI receives can take it past your limit.

Can the agent raise its own limits?

No. Only you can change limits, permissions and who it may pay, from the Lotvs app.

What happens to a payment over the limit?

It is refused and nothing moves. The agent gets one sentence saying which rule stopped it, and you see the attempt in your activity.

Do x402 payments count towards the daily limit?

Yes. Transfers and x402 payments share the limit per payment and the limit per 24 hours.

Can I approve payments myself?

Yes. Choose "ask me every time" or "ask me above" an amount. The payment waits for your answer in the app, and the agent is told to check back rather than pay again.

In the documentation

Related

  • A wallet for your AI agentGive Claude or ChatGPT an account of its own. You fund it in US dollars, choose what it may do and set its limits. It can never reach your own account.
  • Agent payments in USDCYour AI agent pays people you allow and sites that charge per request, in USDC, from its own account, with limits, approvals and a record of every payment. No fee on agent payments.
  • x402 paymentsLet your AI agent pay for APIs and sites that answer HTTP 402 Payment Required, in USDC, within a price it sets and your limits. And get paid by agents with @lotvs/pay.
  • Lotvs MCP serverA remote MCP server that gives an AI agent its own account: USDC payments, x402, trading and Earn, with spending limits enforced on the server. OAuth 2.1 or an access key.

Important

Limits bound what an agent can do; they do not make its choices good ones. Your agents' money is kept apart from your own account, with each agent's share in Lotvs's records. The AI never holds the money or an address: it can only ask, and only what passes your rules goes through.

Lotvs is a financial technology company, not a bank. Balances are held as digital dollars, not bank deposits, and are not covered by deposit insurance. See the Terms and Privacy Policy.