{"slug": "paitify-authorization-layer-so-ai-agents-can-t-overspend", "title": "Paitify – authorization layer so AI agents can't overspend", "summary": "Paitify, a spend policy engine for autonomous AI agents, has launched to prevent agents from overspending by providing real-time authorization, granular rules, and a tamper-proof audit trail. The platform allows agents to make one API call before each payment, with decisions based on Redis-backed counters and in-memory rule evaluation, and supports RSA-2048 signed tokens for offline verification. Paitify is designed for use cases such as procurement, API calls, ad campaigns, and trading, and offers both AUTO and EXPLICIT capture modes, with a free tier to start.", "body_md": "Loading…\n\nPaitify is the spend policy engine for autonomous AI agents. Define granular rules, authorize transactions in real time, and maintain a complete audit trail — without slowing your agents down.\n\nEnter an amount and hit Authorize to see a live decision.\n\n90 seconds: watch an AI agent get auto-approved at $49 — and stopped at $600.\n\nModern LLM agents browse, purchase, spin up infrastructure, and call paid APIs — often autonomously, 24/7. Without centralized spend controls, a single misconfigured agent can drain budgets, violate compliance policies, or transact with unauthorized merchants before anyone notices.\n\nTraditional payment controls were designed for humans. Paitify is built for machines — real-time decisions, policy as code, and machine-readable JWT tokens your payment layer can verify without calling home.\n\nWhatever your agent buys, and whatever rail it pays on, Paitify is the policy and audit layer that decides yes or no — and logs it.\n\nAn agent buying software, supplies, or cloud resources against a department budget.\n\nA coding agent calling metered APIs, LLM tokens, or compute against a hard ceiling.\n\nAn agent adjusting bids or launching campaigns within daily and campaign budget caps.\n\nAn agent executing trades within position and value limits, logged for reconstruction.\n\nOne API call before every payment. Policies enforced. Every decision logged.\n\nSet spend limits, merchant rules, and approval thresholds in the dashboard — per agent or company-wide.\n\nYour agent makes one API call before each payment. Paitify approves or denies in real time, with a reason.\n\nEvery decision is logged automatically. Review the full audit trail in your dashboard.\n\n``` python\nimport requests\n\nresponse = requests.post(\n    \"https://api.paitify.io/v1/integration/authorize\",\n    headers={\"X-API-Key\": PAITIFY_API_KEY},\n    json={\n        \"agentId\": \"procurement-agent-01\",\n        \"amount\": 249.99,\n        \"currency\": \"USD\",\n        \"merchantName\": \"AWS\",\n        \"mccCode\": \"7372\",\n    }\n)\n\nresult = response.json()\n\n# result[\"state\"] is the sole source of truth for the decision.\nif result[\"state\"] == \"AUTHORIZED\":\n    charge_card(amount=249.99)\n    confirm_capture(result[\"authorizationId\"])  # POST /v1/integration/authorize/{id}/capture\nelif result[\"state\"] == \"CAPTURED\":\n    charge_card(amount=249.99)  # AUTO capture mode: already recorded — skip /capture\nelif result[\"state\"] == \"REQUIRES_APPROVAL\":\n    wait_for_approval(result[\"authorizationId\"])  # poll GET /v1/integration/authorizations/{id}\nelse:\n    print(f\"Spend denied: {result['reasonCode']}\")\n```\n\nEvery feature designed for the real operational challenges of deploying autonomous agents at scale.\n\nRedis-backed spend counters and in-memory rule evaluation. No batch delay — every authorization is checked live.\n\nAUTO: spend commits immediately on authorize, call /cancel only on failure. EXPLICIT: reserve with AUTHORIZED, commit with /capture, or release with /cancel.\n\nWorks with Claude and any MCP-compatible client out of the box.\n\nEvery decision logged with full rule evaluation results, agent ID, merchant data, and timestamps.\n\nFlag high-value transactions for human approval. Agents wait; humans decide; budget holds until resolved.\n\nApprovals are RSA-2048 signed tokens. Payment processors verify offline using JWKS — no callback latency.\n\nPer-agent or company-wide. Limits by amount, period, MCC code, currency, velocity, merchant, and business hours.\n\nRate-limit transactions per sliding window. Stop looping agents before they hit your card limits.\n\nREST API. Works with any stack, any language, any payment processor.\n\nEvery authorization Paitify makes — approved, denied, or sent for human review — is written to an append-only audit log in the same transaction as the decision itself.\n\nEach entry chains to the one before it, so a tampered or missing record breaks the chain and shows immediately. Nothing is a soft-deletable row — it's a ledger.\n\nStart free. Scale as your agents grow.\n\nFor individuals and side projects.\n\nFor small teams deploying their first agents.\n\nStart for free. No credit card required. Your first 1,000 authorizations are on us.", "url": "https://wpnews.pro/news/paitify-authorization-layer-so-ai-agents-can-t-overspend", "canonical_source": "https://paitify.io", "published_at": "2026-08-17 06:05:30+00:00", "updated_at": "2026-08-17 06:40:50.550623+00:00", "lang": "en", "topics": ["ai-agents", "ai-infrastructure", "ai-products"], "entities": ["Paitify", "AWS", "Claude"], "alternates": {"html": "https://wpnews.pro/news/paitify-authorization-layer-so-ai-agents-can-t-overspend", "markdown": "https://wpnews.pro/news/paitify-authorization-layer-so-ai-agents-can-t-overspend.md", "text": "https://wpnews.pro/news/paitify-authorization-layer-so-ai-agents-can-t-overspend.txt", "jsonld": "https://wpnews.pro/news/paitify-authorization-layer-so-ai-agents-can-t-overspend.jsonld"}}