Spending limits

Start with a plan

In the workspace, open Account → Budget. Or choose Plan my budget on Home. Quick setup lets you choose a personal or business example and edit the allocation before continuing.

A preview is not a saved plan. Connect your wallet and sign in to save it. You do not need to send funds to explore the preview.

Choose three limits

• Monthly total: your calendar-month plan, measured in UTC.
• Per-order cap: the most a single new Shop order may spend.
• Daily cap: the most new Shop orders may spend in a UTC day.

Allocate 100% across purchases/restock, reserve, profit goal and optional tax reserve. The per-order cap must not exceed the daily cap; the daily cap must fit within your monthly purchase allocation.

Personal and reseller percentages are editable examples, not recommendations or financial advice. Keeping a reserve in your plan does not move funds into a separate wallet.

Save, then review

Select Save budget after signing in. A saved budget is checked by the backend when a new prepaid Shop purchase is confirmed, including purchases initiated through the assistant or API. It uses exact six-decimal USDC amounts.

Another tab may change your plan. A revision conflict asks you to refresh rather than silently overwriting it. Do not mistake a connection error for a successful save.

Know the boundary

Shop limits do not cap external wallet transfers, Circle Gateway payments or Profit First contract allocations. Percentages do not reserve, lock, invest or transfer money. A profit goal is not verified profit, tax liability or an Earn deposit.

Choose a product once you understand your limits.