Agent Spend-Policy Simulator

Author a spend policy — merchant allowlists, per-transaction and rolling limits, HNP autonomous-flow rules — then simulate up to 5,000 synthetic agent transactions against it in seconds. Detects scope creep (unauthorized merchants/categories), drip-pattern policy bypass (sequences of sub-limit transactions that cumulatively exceed daily or monthly caps), and unauthorized HNP flows. Paste an ART-01 artifact to anchor into the chain. Exports a full transaction log as CSV.

AP2 Export Chains: ART-01 → ART-02 GPU Parallel Bypass Detection Zero PII · Synthetic Only

🔒 All simulation runs locally. All transactions are fully synthetic. No data leaves your browser. Paste ART-01 artifact JSON only — no real payment data.

Policy presets

Spend policy definition

Merchant allowlist

Allowed merchant IDs (press Enter to add)

Leave empty = any merchant. At least one tag → allowlist enforced.

Allowed category codes (MCC / AP2 codes)

Leave empty = any category.

Allowed payment methods

Currency

Spend limits

Max per transaction ($)

Daily cumulative limit ($) 0 = no daily limit

Monthly cumulative limit ($) 0 = no monthly limit

HNP (Human-Not-Present) rules

HNP flows permitted

HNP auto-approve below ($) Transactions above this in HNP mode require human review.

HNP max per transaction ($) Hard ceiling on any single HNP transaction.

Simulation parameters

Transactions

500

HNP ratio

30%

Chaos level (violations)

20%

Drip pattern frequency

10%

Chaos level injects random violations (scope creep, over-limit, bad payment method, unauthorized HNP). Drip frequency inserts coordinated sub-limit transactions designed to evade the daily cap.

Chain — paste ART-01 artifact (optional)

ART-01 OpenChainGraph artifact JSON

No parent artifact — chain_depth will be 0. Paste ART-01 output to link chains.

0 / 0

Policy assessment

Policy-bypass paths detected

Drip patterns: sequences of individually-compliant transactions that cumulatively violate the daily limit within the same calendar day. Each path entry shows the sequence length, total cumulative spend, and the transaction IDs involved.

Transaction log (0)

#	Status	Amount	Merchant	Category	Method	HNP	Day	Violation