Scope policy at the org, merchant, or agent level
A policy can apply org-wide or to merchant- and agent-scoped traffic. Non-org scopes can target selected sets of merchants or agents, or all merchants or agents, and can apply either as a shared cap or a per-member cap.
Use per-request or over-time limits
Limits can deny a single request based on its current amount, or evaluate cumulative spend over day, week, or month windows before execution continues.
Keep the amount model explicit
Policies are amount-based and asset-aware, so org caps, merchant budgets, and agent spend limits all use one structured model instead of ad hoc rules in app code.
Example stack
One concrete way to layer policies.
- Org monthly cap: the organization cannot spend more than 500 USDC this month.
- Agent daily cap: each selected research agent gets its own 25 USDC daily budget.
- Merchant per-request cap: each selected data vendor is capped at 1 USDC per request.
A single request can match all three. 402flow evaluates the current request amount together with any applicable time-window usage before execution continues.
Shared vs per-member
The same scope can behave like a pool or separate budgets.
- Shared merchant weekly cap: three selected vendors share one 100 USDC weekly budget.
- Per-member merchant weekly cap: those same vendors each get their own 100 USDC weekly budget.
- Shared agent daily cap: a selected set of agents all draws from one daily budget.
Shared policies pool usage across every matching merchant or agent. Per-member policies keep separate headroom for each matching merchant or agent inside the same selected set.