Open Wallet Standard Hackathon 2026

Give agents a wallet.
Without giving them a blank check.

AgentPM is a governance runtime for autonomous agents that spend money. Delegated budgets, policy enforcement, human escalation, and full audit trails.

governance engine / live trace
APPROVEDResearchBright Data$0.050risk 3
APPROVEDStrategyBigQuery AI$0.030risk 2
ESCALATEDesignMidjourney v6$0.100risk 42
DOWNGRADEDesignFlux Pro$0.050risk 16
APPROVEDDeployVercel$0.060risk 8
DENIEDPremium QASecurityScan$0.080risk 67
4 approved, 1 downgraded, 1 denied$0.190 spent of $0.500 budget

The core problem

AI agents need to spend money. They need to call APIs, deploy code, buy domains, hire other agents. But giving an autonomous system a wallet with no constraints is dangerous. AgentPM is the governance layer between the agent and the money.

How governance works

Agent requests payment

The pipeline identifies a provider and quotes a price. Before any money moves, the request enters the governance engine.

Policy evaluation

5 possible verdicts: APPROVED, DENIED, ESCALATE (halt for human), DOWNGRADE (find cheaper), REROUTE (try different approach). Not just pass/fail.

Budget enforcement

Per-agent budgets, per-transaction limits, daily caps, session budgets. The pipeline physically stops when limits are hit. Remaining stages are deferred, not crashed.

Human escalation

When risk is high, the pipeline halts and presents an interactive approval card. You see the exact cost, budget impact, risk score, and alternatives before approving.

Provider comparison

For every stage, multiple providers are scored on cost, quality, latency, and reliability. The rejected options are logged. You can see why each decision was made.

Full audit trail

Every decision, every denial, every reroute, every payment. Downloadable as JSON. Complete forensic replay of the agent's spending behavior.

Governance features

5-Verdict Engine

APPROVED, DENIED, ESCALATE, DOWNGRADE, REROUTE

Delegated Budgets

Each sub-agent gets a scoped spending cap

Strict Mode

One toggle to require approval on every payment

Risk Scoring

0-100 risk score on every transaction

Budget Guard

Pipeline stops when budget would be exceeded

Partial Completion

Graceful degradation, not crash

Provider Scoring

Cost, quality, latency, reliability comparison

Approval Cards

Interactive approve/deny with budget impact

Audit Export

Full JSON trace of every decision

Quality Gates

Auto-retry with better provider if quality is low

Chain Restrictions

Only allowed networks can receive payments

Category Controls

Restrict which tool types agents can use

Optimized for Track 2

Agent Spend Governance and Identity, with deep support from Tracks 3 and 4.

Track 02

Spend Governance

Primary. Delegated budgets, 5-verdict policy engine, escalation gates, audit trails, partial completion, strict mode, risk scoring.

Track 03

Pay-Per-Call

Every provider quoted and scored. Economic reasoning drives selection. Payment intents with signed EIP-712 authorizations.

Track 04

Multi-Agent

Overseer delegates to sub-agents with scoped budgets. Agents can be constrained or revoked. Hierarchical authority model.

What makes this different

Most agent demos are ungoverned: the agent has a wallet and spends freely. AgentPM puts the operator in control. Every payment goes through a governance engine. Every decision is logged. Every risky action requires human approval.

The system doesn't just check budgets. It evaluates risk, compares providers, considers downstream budget impact, and can automatically downgrade to cheaper alternatives when budget pressure rises. When it can't complete everything, it finishes what it can and defers the rest.

This is the control layer enterprises would need before deploying autonomous agents that spend real money.

Try AgentPM
AgentPM / OWS Hackathon 2026Open Wallet Standard + x402 + Claude