Smart Accounts: guardrails for AI agents
Delegate bounded authority to an agent with on-chain spending caps and allowlists.
Chris, founder1 min read
Handing an AI agent a wallet shouldn't mean handing it your whole balance. Loyal's Smart Accounts let you delegate bounded authority — and the bounds are enforced on-chain, not by trust.
What you can enforce
- Spending caps — a hard ceiling on how much an agent can move.
- Token allowlists — restrict which assets an agent can touch.
- Approved-protocol allowlists — limit which programs an agent can interact with.
Because the policy lives on the Smart Account, the limits hold even if the agent's own keys are compromised.
Privacy and autonomy compose
Private transfers keep an agent's activity off the public chain, while the on-chain policy still enforces caps and allowlists. You don't pick one — you get both on the same wallet.
