Spendrail replaces shared credentials and after-the-fact budget alerts with a scoped identity and prepaid wallet for every agent, pre-transaction policy enforcement, and an immutable audit trail linking every dollar to the agent that spent it, the mandate that authorized it, and the human who delegated it. The product's entire value is behaving correctly during failures: runaway loops, retry storms, unbounded fan-out, and vendor outages.
Challenge
Companies are deploying AI agents that consume money at machine speed — tokens, GPU time, metered API calls — against financial controls designed for humans on monthly cycles.
Solution
Pre-transaction policy enforcement at two chokepoints: an LLM gateway proxy for inference spend and a scoped-key proxy for third-party API spend. The real vendor key never reaches the agent. Decisions complete in ≤50ms p99; the kill switch revokes at any scope in a single call.