[kshitijm1708]

The virtual card approach is the right instinct but it breaks at scale. One card per agent with manual limits works for one agent doing one thing. It falls apart when you have 12 agents with different spend profiles running concurrently. The harder problem is concurrency. 10 agents can each pass a $100 limit check simultaneously before any one commits spend back. You budgeted $100 but spent $1000. Building SpendLatch to solve exactly this. Atomic budget reservation before execution so concurrent agents cannot collectively exceed a shared limit. Early access open: https://spend-safe-guard.lovable.app/