AllowIt lets your AI agents spend and invest,
within a policy you set.
What it may buy, how much it may spend, and until when.
Inside the policy, the agent goes ahead.
Outside it, the request is refused.
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 cheque is an instruction to someone else: pay this person, this sum, from my account. The oldest surviving English one was written in 1659.
Pay unto Mr Delboe
the sum of four hundred pounds
Diners Club let restaurants bill you without cash changing hands. Every card since works the same way: someone else takes the payment, and a network checks it first.
When HTTP/1.1 was written, its authors reserved a status code for paying: 402 Payment Required. Its whole definition was one line: reserved for future use.
Request for Comments: 2068 January 1997
Hypertext Transfer Protocol -- HTTP/1.1
10.4.3 402 Payment Required
This code is reserved for future use.Dollars became stablecoins that software can hold and send. Government debt followed, as tokenised treasury funds. Value could finally move at the speed of code.
ChatGPT arrived in November 2022. Within three years agents were researching, writing code and running workflows on their own, and x402 and AP2 let them pay as they go.
2022 Here is a summary of the annual report.
2024 I compared five reports and drafted the analysis.
2025 I bought the missing dataset for 0.80 USDC and finished the analysis.
The people who run the rails expect agents to make most online transactions. Forecasts for agent-led commerce run into trillions of dollars by the end of the decade.
Agent-led commerce worldwide by 2030, as forecast by McKinsey.
“In the not-too-distant future agents will account for most transactions online.”Patrick Collison, Stripe, April 2026
The rails exist. The money is on-chain. The agents are capable. But every era that handed money over had an instrument to bound it. Agents don’t have one yet.
Pay this person, this sum.
This card, checked on every charge.
This agent, these actions, this much, until then. Ask me when unsure.
Tell AllowIt what an agent may do with your money, in your own words. It writes the policy, hands it to your agent, and checks every action before money moves.
Pay this person, this sum.
This card, checked on every charge.
This agent, these actions, this much, until then. Ask me when unsure.
23%trust AI to handle payments on their behalf
72%of US consumers have used an AI assistant
5%give AI the authority to make the decision
68%of asset managers use AI in the investment process
Agent-led commerce grows only as fast as this gap closes.
It can buy, sell or send anything, to anyone, for any amount. You find out afterwards.
6 done. 2 you would have refused.
No two agents can spend the same dollar. Every receipt names the chain of authority behind it. Revoke a branch, and everything under it stops.
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.
1,000 USDC
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.”
Done.
Every rule passes. The agent goes ahead on its own.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.
It sets what the agent may buy, how much, and for how long. Your keys stay with you.
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.
Splits the work and hands each part a narrower allowance.
Finds the best roofs
$3 ceiling · solar data60 warehouses from open map data · free
Who decides on energy
$7 ceiling · people data$1 ceiling · Hunter only
One page per prospect
$5 ceiling · images$2.50 ceiling · image model only
Tried a premium image model at $0.50 an image. Refused: your limit is $0.25 an image.
The results return to your prospecting agent.
$8.41 spent · $6.59 left · 1 request refusedThe log shows what was bought, by which agent and for how much, including the request that was refused.
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.
Unit prices from the x402 catalogs of StableEnrich (data) and StudioMCPHub (image generation), October 2026.
Try it in the demo: write a policy in plain words, hand it to an agent, and watch every action get checked.
In the header, set the network to Local dev. No wallet, no funds.
Pick an example or describe your own, in plain words. Generate the policy.
Approve the budget to create the agent skill, then press Start agent.
Follow each request and decision live. Answer the ones that come back to you.
About five minutes. Runs on mock execution: every decision is real, no money moves.
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.
Ackrate is our policy engine. It checks each proposed action against your policy before execution, outside the agent, and records the decision.
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.
It is refused, 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.
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.
No. The demo records each approved action against your budget and uses mock transfers on Solana and Stellar. No wallet connects and no funds move.