Compare · Spending limits for AI agents

Spending limits for AI agents.

Giving an agent a wallet means trusting it with money. Here's how the common ways to limit that risk compare.

Side by side

	Small prepaid wallet	Provider or wallet spend caps	Lumière PayCheck authorization
Limit per agent	One wallet per agent	Varies by provider	Yes: each agent has its own key and limits
Per-payment, daily and monthly limits	Only the balance	Usually one overall cap	Yes, all three, plus company-wide caps on Enterprise
Checks the endpoint first	No	No	Yes: the trust verdict is part of every decision
Human review for unusual payments	No	No	Yes (Business plan)
Record of every decision	On-chain transfers only	Varies	Signed receipts and a tamper-evident, replayable audit trail
Stop everything at once	Empty the wallet	Varies	A freeze switch for one agent or all
Cost	Free	Usually free	Free plan with 1 agent key; Builder $9/month; Business $49/month

Other approaches vary by provider and setup. Lumière PayCheck details reflect how it works today.

A small wallet if…you're experimenting and can afford to lose the balance.

Provider caps if…one overall limit is enough.

PayCheck if…several agents spend real money and you need per-agent limits, review and an audit trail.

Does PayCheck hold my funds?

No. PayCheck decides allow or deny; your agent's own wallet makes the payment.

Can I try the team features?

Yes: a free 30-day Business trial, no card needed.

Does it work with the standard x402 client?

Yes. The x402-paycheck SDK adds the check to the standard x402 fetch client, so a denied payment is never signed.