Autonomy needs limits
Agent wallets should not treat every tool call as equally safe. Buyers need policy caps for single payments, sessions, recipients, rails, assets, approval thresholds and daily exposure.
Accord helps because payment authority can be scoped to a concrete work agreement rather than an unstructured prompt.
What policy can check
A buyer policy engine can check whether the agreement hash is known, whether the seller is allowed, whether the rail is permitted, whether the amount is within limits and whether the verifier is acceptable.
After work completes, the Verification Receipt can inform settlement, reputation or dispute behavior.
Why policy is not optional
Any agent capable of initiating payments or settlement needs guardrails. Protocol objects improve auditability, but they do not replace spending policy, signer controls or operational review.
The safest systems combine Accord records with strict buyer-side policy.
FAQ
Does Accord provide a buyer policy package?
The monorepo includes @accord-protocol/buyer-policy for buyer-side policy experiments.
Can policy make mainnet safe today?
No. Policy helps control spend, but current mainnet status is still not certified.
Open buyer policy package
Review spending caps and authority checks for agent wallets.