A Commerce Agent Needs Spending Boundaries at the Card Layer, Not the Prompt

NoFunnyMan · reddit · 2026-09-05

Prompting an agent to 'keep it under $45' isn't enough — the card must enforce limits. The author outlines a rules layer (merchant allowlists, per-order caps, pre-charge approval, daily limits, unified ledger) and discloses he's building it as OpenSpender, sitting between agents and checkout.

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