One card for each agent, frozen at €0
Not a shared company card with a spending limit taped to it. Each agent gets its own card and its own credential, and both stay useless until a payment passes the mandate you signed.
- Between payments
- frozen at €0
- Released for
- one payment, its exact amount
- Back to €0
- when the charge lands
- Cards per agent
- 1
- Cards you have to hand around
- 0
The credential is the agent's own
It never holds your login. The token can request a payment under its mandate and nothing else: raising that mandate, inviting a person or sending money on its own all come back 401. If it leaks, you replace it in the dashboard and the old one stops working in the same moment.
The ceiling is visible, not implied
Monthly budget, per-payment ceiling, allowed card vendors and allowed creditor IBANs are on the agent, and the panel shows what has been spent against them. A request outside those rules is refused before any money moves.
Freeze and revoke are one click
Freezing keeps the agent and its history and stops the card. Revoking ends the credential. Neither touches the audit log, which is only ever added to.
Questions people ask about this
What happens if an agent asks for ten payments at once?+
Checking the budget and booking the payment are one indivisible step, so ten simultaneous €50 requests against a €100 budget spend €100, not €500. That is the whole reason the check and the booking cannot be two steps.
Can the agent raise its own limit?+
No. The mandate is signed with your passkey and the server verifies that signature against the exact wording. A submitted amount that differs by a single character is refused.
Is the card real plastic?+
Virtual, one per agent. Card issuing belongs with a licensed banking partner, which is not connected yet, so no real money moves today.