Set Budgets & Approval

Goal: enforce per-currency spend limits and route high-value or human-mode intents through approval — without double-counting.

Steps

1. Define a budget — BudgetSpec with perTxn / daily / total, each a Money. Limits are tracked per currency; the daily counter resets at the UTC day boundary.
2. Wire the gate — new GovernanceGate(new PolicyEngine(budget)). The facade does this for you from options.budget.
3. Authorize — gate.authorize(pi) returns "authorized" | "rejected" | "requires_approval".
4. Revoke on failure — if settlement fails, gate.revoke(pi) rolls the reservation back.
5. Pick one flow — reserve→release (atomic, preferred) or evaluate→commit (legacy). Never reserve+commit.

import { GovernanceGate, PolicyEngine, BudgetExceededError } from "@xagent/xpense";

const gate = new GovernanceGate(
  new PolicyEngine({
    perTxn: { amount: "5", currency: "USDC" },
    daily: { amount: "100", currency: "USDC" },
    total: { amount: "500", currency: "USDC" }
  })
);

const decision = gate.authorize(pi);
if (decision.outcome === "requires_approval") {
  // surface decision.reason to a human; budget untouched
}

Approval

Set approval.mode on the intent: "policy" (budget decides), "auto", or "human". "human" and above-threshold intents return requires_approval without consuming budget.

Reference: PolicyEngine · GovernanceGate · approvalDecision.