Amex lets cardholders cap what an AI agent can spend before it shops
Permission enforcement moved from agent instructions to the payment network itself. The cardholder grants a box; the rail holds it. Designing the grant moment now matters as much as designing the agent.
established
watching → emerging → established
A stable convention across independent vendors. Safe to standardize on — deviating from it now carries cost.
38 documented sightings since Jun 2026 — every one traces to a dated source.
See the evidence →