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What is a Policy?

A Policy in Payman is a programmable rule set that defines how, when, and how much money can move from your wallet — especially when agents or third-party apps are involved. Think of it as your financial firewall:
No funds can move without matching the conditions set in your policy.
A policy helps you:
  • Prevent unauthorized transfers
  • Control daily/transactional limits
  • Ensure approvals for high-value or unusual activity
Policies

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System Policies

Payman provides several built-in system policies designed for different use cases.
Policy NameDescription
MinimalistLow-trust, ultra-restricted. For cautious users or low-activity wallets.
Personal UseLight usage — for individuals with basic recurring payments or automation.
ProfessionalBalanced flexibility and control for freelancers or contractors.
StartupDesigned for small teams managing payouts, expenses, or business ops.
EnterpriseHigh-volume, high-trust accounts with human oversight.
FamilyModerate flexibility, but approval required for high-value transactions.
You can clone and customize any system policy to fit your needs.

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Custom Policies

You can also create your own policies from scratch. Customizable fields include:
  • Policy name & description Policies
  • Spend limits Policies

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Spend Controls

Each policy defines the following limits:
ControlDescription
ThresholdAmount above which manual approval is needed
Per TransactionMaximum amount allowed per single payment
Daily LimitMaximum total amount allowed per day
Monthly LimitMaximum total amount allowed per month
🔍 Threshold vs Approval
The threshold is the point at which your approval is required.
For example: if your threshold is ₹1,000, any payment above that will trigger a manual approval request.

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When Are Policies Required?

Always. You must assign a policy when:
  • Creating an AI agent or app
  • Connecting a wallet via OAuth
  • Letting any automation act on your wallet
No policy = no access. Policies are mandatory for any programmatic money movement.

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How to Set a Policy

  1. Go to the Policies tab in the Payman Dashboard
  2. Click Create Policy, or select a system policy
  3. Set spend limits and thresholds
  4. Assign the policy to your app, agent, or wallet
  5. Done — your wallet is now protected by programmable rules

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Cloning & Customizing Policies

System policies are not editable directly — but you can clone any of them and tailor it to your needs. Once cloned, you can:
  • Change the name and description
  • Adjust spend limits and thresholds
  • Apply it to any wallet or app you own
Cloned policies are private to your account or organization.

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Why It Matters

Policies are your guardrails. They make sure:
  • Small or routine payments flow automatically
  • Unusual or high-risk transactions are paused for approval
  • Your wallet stays safe — even with autonomous agents involved
No wallet connected to an app or agent can move money unless it’s governed by a policy.
Need help? Reach out to [email protected]