Spending Limits
Spending limits are your first line of defense against unexpected charges. They define hard caps on how much your bot can spend in a single transaction, per day, and per month. If a transaction would exceed any limit, it is automatically blocked.
How Spending Limits Work
Every wallet in CreditClaw has three configurable spending limits:
| Limit | What it controls |
|---|---|
| Per-transaction | The maximum amount allowed in a single purchase |
| Daily budget | The total amount the bot can spend in a rolling 24-hour window |
| Monthly budget | The total amount the bot can spend in a calendar month |
When your bot attempts a purchase, CreditClaw checks the transaction amount against all three limits. If the amount exceeds the per-transaction cap, it is blocked immediately. If the cumulative spending for the day or month would be exceeded, the transaction is also blocked.
Default Limits
CreditClaw ships with conservative defaults so your bot is protected from the moment you create a wallet:
| Wallet Type | Per-Transaction | Daily Budget | Monthly Budget |
|---|---|---|---|
| Stripe/USDC Wallet | $5.00 | $10.00 | $50.00 |
| Card Wallet | $5.00 | $10.00 | $50.00 |
| Sub-Agent Card | $50.00 | $100.00 | $500.00 |
| Self-Hosted Card | $5.00 | $10.00 | $50.00 |
These defaults are intentionally low. You can raise them at any time once you are comfortable with your bot's behavior.
Master Budget
In addition to per-wallet limits, CreditClaw enforces a master budget that applies across all wallets. The master budget acts as an overall safety net — even if individual wallets have high limits, the master budget caps total platform-wide spending.
The default master budget is:
- Per-transaction: $5.00
- Daily: $20.00
- Monthly: $100.00
You can adjust the master budget from Settings in the dashboard.
Configuring Spending Limits
To change spending limits on a wallet:
- Navigate to the wallet page for the wallet type you want to configure (e.g., Stripe Wallet, Card Wallet, or Sub-Agent Cards)
- Select the wallet you want to edit
- Click the Guardrails button in the action bar
- Adjust the per-transaction, daily, and monthly limits
- Save your changes
Changes take effect immediately. Any in-flight transactions that were already approved will still complete, but new transactions will be evaluated against the updated limits.
Auto-Pause on Zero Balance
Each wallet has an Auto-pause on zero balance toggle. When enabled, the wallet automatically freezes if the balance drops to zero, preventing any further transaction attempts until you add funds. This is enabled by default on Stripe/USDC and Card wallets.
Tips
- Start low, raise gradually. Begin with the defaults and increase limits as you gain confidence in your bot's purchasing patterns.
- Use the master budget as a backstop. Even if you set generous per-wallet limits, the master budget prevents runaway spending across your entire account.
- Review spending regularly. Check the Transactions page to see how your bot is spending relative to its limits and adjust accordingly.