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ActOnce Spend Gateway vs Cowork Score

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

ActOnce Spend Gateway compared with Cowork Score
DetailActOnce Spend Gateway logo ActOnce Spend GatewayCowork Score logo Cowork Score
What it doesPolicy-driven spending controls for AI agents Free assessment to determine if Claude Cowork is right for your work
StageNot given Not given
FoundedNot given Not given
Based inNot given Not given
Pricing modelFreemium Free
PricingFree: $0/month (open source, self-hosted). Pro: $24/month with hosted dashboard, 3 agents, 1,000 spend checks/month. Team: $99/month with 10 agents, 10,000 checks/month, team approvals. Business: $299/month with unlimited agents and checks. Not given
Key features
  • Policy Engine with YAML configuration for amount limits, merchant allowlists, category blocks, business hours, and duplicate windows
  • Duplicate Detection using SQLite to prevent the same purchase twice within a configurable time window
  • Human-in-the-Loop approval with Telegram alerts and dashboard queue for purchases exceeding threshold
  • MCP-Native integration for OpenClaw, Hermes, and any MCP-compatible agent
  • Zero Credential Exposure with no access to cards, tokens, or Stripe credentials
  • Local-first architecture with all policy files, logs, and databases stored on your machine
  • Dry-run and simulation mode for testing policies before deployment
  • Free two-minute assessment with five-step process
  • Score out of 100 across five result bands
  • Adaptive follow-up questions based on initial answers
  • CLAUDE.md business brief file for any AI tool
  • FIRST-TASKS.md file with first three actionable tasks
  • Shareable score card with no personal information
  • Thirty-day retake comparison feature
What makes it different
  • Policy-driven rules that the agent cannot override, unlike prompt-based guardrails
  • Zero credential exposure means the gateway never sees payment cards or API keys
  • Duplicate detection with SQLite prevents duplicate purchases within a configurable time window
  • Native MCP integration works out of the box with OpenClaw, Hermes, Claude Code, and Cursor
  • Assessment built by someone with thirty years of enterprise software and business building experience
  • Generates files that work in any AI tool, not locked to Claude Cowork
Community votes00
DR (Domain Rating by Ahrefs)23 +1 (up) since last check11 no change since last check
Trust Flow (Majestic)60
Citation Flow (Majestic)1922
Referring domains (Majestic)125

4 details filled in for both companies.

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