Best AI Spend Policy Tools 2026
A spend policy is only as good as its enforcement. Here are the tools that help write one — and the one that makes it real.
Write the policy
Templates and playbooks (like sipi.bot's own) that structure budgets, vendors, and approvals.
Internal wiki/governance docs for org-wide policy.
Enforce it
sipi.bot — turns the policy into deterministic rules: caps, allowlists, velocity limits, approval queue.
Provider limits and gateway budgets cover single-vendor slices.
The honest gap
Most 'policy tools' produce documents, not enforcement. The firewall is where the policy becomes a decision.
At a glance
| Tool | Writes policy | Enforces |
|---|---|---|
| Templates | Yes | No |
| Wiki/docs | Yes | No |
| Provider limits | Partial | Per-provider |
| sipi.bot | Yes | Yes — every transaction |
FAQ
What's the minimum viable policy?
A cap, an allowlist, and an owner per agent. Three rules.
How do I start?
Use the spend policy template, then turn it into rules in the firewall.
Related
Stop the next $12,400 night.
One API call (or MCP tool) in front of every agent transaction — APPROVED, BLOCKED, or FLAGGED, deterministic, ~5 ms, fully logged.
See plans — from $99/mo Try a live check