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ActOnce Spend Gateway vs Referee.chat

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 Referee.chat
DetailActOnce Spend Gateway logo ActOnce Spend GatewayReferee.chat logo Referee.chat
What it doesPolicy-driven spending controls for AI agents An AI panel debates your goal; a referee rules on re-checkable evidence
StageNot given Not given
FoundedNot given Not given
Based inNot given Not given
Pricing modelFreemium Freemium
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. Free: $1.00 starting credit once. Credit plans from $10 top-up with no expiration. Your own key: 5% infrastructure fee after the first $5.00 of usage.
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
  • Panel of up to six AI models from different vendors
  • Referee rules on re-checkable evidence only
  • Searches academic databases: arXiv, OpenAlex, Crossref, Europe PMC
  • Executes Python code to verify claims
  • Customizable acceptance standards
  • Matches pause and resume without losing work
  • Shared ledger prevents re-derivation
  • Spending limit per match
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
  • Referee decides on evidence, not argument quality
  • Panel from different vendors fails in different directions
  • Stuck is a targeted question, not model thrashing
  • Cost grows with ledger, not round count
  • Published matches become research record
Community votes00
DR (Domain Rating by Ahrefs)23 +1 (up) since last check2 no change since last check
Trust Flow (Majestic)60
Citation Flow (Majestic)1913
Referring domains (Majestic)1231

5 details filled in for both companies.

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