ActOnce Spend Gateway
Policy-driven spending controls for AI agents
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Open-source spending controls that enforce policy-driven rules for AI agents before any purchase, preventing duplicate transactions and unauthorized spending.
About ActOnce Spend Gateway
ActOnce Spend Gateway is an open-source decision engine that enforces spending policies for AI agents. Before any transaction occurs, the gateway asks whether the agent should be allowed to spend a specific amount with a specific merchant at a specific time, based on rules defined in a YAML configuration file.
The system operates locally without sending data to the cloud, never exposes payment credentials, and prevents duplicate purchases through SQLite-backed deduplication. It integrates natively with MCP-compatible agents including OpenClaw, Hermes, Claude Code, and Cursor through a simple JSON configuration. The core product is licensed under MIT and can be installed globally via npm in 30 seconds.
For teams that need hosted features, ActOnce offers paid tiers with dashboards, multi-user approvals, advanced fraud signals, and webhook integrations, scaling from solo builders to unlimited production deployments.
- payments
- open-source
- ai agents
- mcp
- spending controls
- policy engine
- security
Features worth knowing
- 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
Pricing
Pricing model: Freemium
Free: $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.
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FAQ
- Does this handle payments?
- No. The gateway is a decision engine only. It says yes, no, or wait. Stripe Link CLI or your preferred payment method handles the actual transaction.
- Do I need to send data to the cloud?
- No. The open-source version is entirely local. Policy files, logs, and the dedupe database live on your machine. No API keys, no external services.
- Which agents does this work with?
- Any MCP-compatible agent. Tested with OpenClaw and Hermes. Works with Claude Code, Cursor, and any framework that supports the Model Context Protocol.
- What if I want team controls?
- Pro ($24/mo) adds the hosted dashboard, email/Telegram approvals, and 1,000 spend checks/month. Team ($99/mo) adds multi-user approvals, 10 agents, and webhook integrations. Business ($299/mo) is unlimited.
- Is it really free?
- The core gateway is open source under MIT license. You can use it, modify it, and redistribute it. The hosted Pro dashboard is a paid SaaS product for teams who need multi-user features.
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