Most AI agents have a stopping problem.
You set one up to handle your purchasing - reorder office supplies, pay for a vendor invoice, book a flight. It does its research, picks the right product, reaches the checkout screen, and then - it can't go any further. Because it doesn't have a way to actually pay.
So you get a notification, you open your laptop, you enter your card number. The automation broke down at the last step.
A tool called Delegare launched this week on Product Hunt with a specific fix for that problem. And the way it handles security is the part worth understanding.
What Delegare Does
Delegare is a payment authorization layer for AI agents. It lets you give an agent spending power - but only within rules you define in advance.
Here's how it works in practice:
You set a "mandate" - a set of rules that defines what the agent is allowed to spend. That includes a hard dollar limit (say, $50), a list of approved merchants (say, only Amazon or your specific vendor), and an expiry date (say, active for the next 30 days).
When the agent reaches a payment step, it authenticates through Delegare, which checks whether the transaction falls inside the mandate. If it does, the payment goes through. If it doesn't - wrong merchant, over the limit, expired - it stops.
The agent never sees your card number. There's no pre-funded wallet sitting somewhere that a bad actor could drain. The limits are enforced at the server level and can't be overridden by the agent.
The Fee Structure
Delegare charges 3% per successful transaction, capped at $0.03. For anything under $1, the fee is 3% with a minimum of half a cent.
That's a low-friction price for what it does. On a $40 supply order, the fee is $1.20.
The tool handles authentication, spending validation, and settlement through either Stripe or USDC on Base (a blockchain payment network). Merchants who want to accept agent payments can add a few lines of code to integrate.
Why This Matters Right Now
AI agents are getting more capable fast. OpenAI, Anthropic, and Google have all released or are actively building "agentic" products - AI that doesn't just answer questions but actually completes tasks across apps, websites, and services on your behalf.
The spending gap has been one of the practical blockers. You can automate a lot of research and decision-making. But money is the last step in most business transactions, and handing an AI your card number with no guardrails is - correctly - something most people aren't comfortable with.
Delegare's approach - spend limits you define, merchants you approve, no card data shared - is a sensible middle ground. You don't have to trust the agent to make unlimited purchases. You just have to trust it to act within the fence you built.
For small business owners, the obvious use cases are:
- Reordering inventory from a regular supplier
- Paying for recurring vendor invoices with a variable amount
- Booking travel within a set budget
- Purchasing digital tools or SaaS seats approved in advance
For any purchase that follows a predictable pattern - same vendor, similar amount, regular timing - this kind of controlled autonomy starts to make real sense.
What to Watch For
Delegare is new. The tool launched days ago. That means there is no track record to evaluate, no independent security audit publicly available, and no large-scale use to stress-test against.
Before you route real transactions through any new payment tool, wait for independent reviews. Check whether merchants you actually use have integrated it. And keep your mandates narrow until you understand how the system behaves in practice.
The concept is sound. The implementation needs a few months of real-world scrutiny before I'd recommend it for anything beyond low-stakes test transactions.
But the category it represents - authorized AI spending with hard limits - is going to be important. Delegare is among the first purpose-built tools trying to solve it cleanly.
Try it: delegare.dev | Product Hunt
Source: Delegare on Product Hunt, April 2026