Agent guardrails
A limit your AI agent cannot talk its way past. Nothing moves until you approve.
A limit written in a prompt is a suggestion. In Lotvs, an agent has no money to spend: it can only ask. Every payment or conversion it prepares waits in Lotvs until you approve it and sign it from your own account. Nothing the agent reads can change that.
Free to sign up. Facts on this page checked against the product on October 20, 2026.
The rules
How you stay in charge
Every request waits
A payment or a conversion your agent asks for waits for your answer in Lotvs.
See it before you approve
Each request shows who would be paid or what would be converted, the amount and the agent's reason.
You sign it
An approved request is signed from your own account. The agent never signs.
Decline it
Decline a request and nothing moves. The agent can see that you said no.
Requests expire
A request you leave unanswered expires, and nothing moves.
Pause and disconnect
Pause an agent at once, or disconnect it for good, from the app.
No money of its own
An agent has no balance to spend from, so there is nothing for it to use up.
Only you change the rules
An agent cannot approve its own requests or change its access.
In order
What happens when an agent asks to pay
- 1
It prepares a request
The agent says who to pay or what to convert, how much and why.
- 2
Lotvs shows it to you
The request waits in Lotvs with everything you need to decide.
- 3
You decide
Approve it and sign it from your own account, or decline it.
- 4
Only then does money move
An approved payment is sent from your account and shows in your activity. A conversion shows its fee, if there is one, before you confirm.
- 5
The agent is told
It can check how the request ended, instead of asking again.
In practice
What the agent is told
Pay this invoice: $180 to the address on it.
Waiting for your yes. Nothing paid yet.
Asks youConvert $50 to euros.
You approved it. Converted.
ApprovedSend Leo $40.
You declined it. Nothing paid.
DeclinedPay Ana $18.
No answer in time. It expired and nothing was paid.
Expired
Illustrative.
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. In Lotvs the agent cannot spend at all: every payment waits for you, so no instruction it receives can move your money.
Can the agent approve its own requests?
No. Only you can approve a request, in Lotvs, and it is signed from your own account.
What happens to a request I do not answer?
It expires and nothing moves. The agent can see that it ended.
Can I stop an agent?
Yes. Pause it or disconnect it in the Lotvs app at any time.
In the documentation
Related
- AI agents and your accountConnect Claude, ChatGPT or any MCP client to your Lotvs account. It can read your balance and activity, tell you what it finds and ask you to pay someone or to convert. Nothing moves until you approve it.
- Payments your AI preparesYour AI agent can ask you to pay someone in digital dollars (USDC) or digital euros (EURC). Each payment waits in Lotvs until you approve it and sign it from your own account. No Lotvs fee to send.
- Lotvs MCP serverA remote MCP server that lets an AI agent read its owner's Lotvs account and create payment and conversion requests that the owner approves. OAuth 2.1 or an access key.
- Connect ClaudeAdd Lotvs to Claude as a connector in one click. Claude can read your account, tell you what it finds and ask you to pay someone or to convert. Nothing moves until you approve it in Lotvs.
Important
Approving is your decision: read who is paid and how much before you say yes. An AI agent connected to Lotvs has no money of its own. It can read your account, tell you what it finds and ask you to pay someone or to make a conversion. Nothing moves until you approve it in Lotvs and sign it from your own account.
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.