Policy Rules

Policy rules control which payment protocols and amounts mindwallet will accept. They are evaluated during the selection pipeline's filter stage.

Configuration

Add policy rules to your config file:

{
  "policy": [
    { "type": "budget", "currency": "USDC", "limit": "10000000", "window": "daily" },
    { "type": "deny-protocol", "protocol": "mpp" },
    { "type": "prefer-protocol", "protocol": "x402", "boost": 0.2 }
  ]
}

Rule Types

budget

Caps spending within a time window.

Field	Type	Default	Description
currency	string	"USDC"	Currency to track
limit	string	"0"	Maximum amount (in smallest unit)
window	string	"daily"	Time window: daily, weekly, monthly

deny-protocol

Blocks a specific payment protocol entirely.

Field	Type	Description
protocol	string	Protocol to deny: x402, mpp, siwx

prefer-protocol

Adds a score boost to candidates of a specific protocol, making it more likely to be selected.

Field	Type	Default	Description
protocol	string	—	Protocol to prefer
boost	number	0.1	Score boost (0.0 to 1.0)

Implicit Rules

In private key mode, an implicit prefer-protocol: x402 rule with boost 0.1 is added automatically. This makes x402 the default when multiple protocols can handle a challenge.

Examples

Allow only SIWX (no payments)

{
  "policy": [
    { "type": "deny-protocol", "protocol": "x402" },
    { "type": "deny-protocol", "protocol": "mpp" }
  ]
}

Daily budget of 1 USDC

{
  "policy": [
    { "type": "budget", "currency": "USDC", "limit": "1000000", "window": "daily" }
  ]
}

Prefer Tempo over x402

{
  "policy": [
    { "type": "prefer-protocol", "protocol": "mpp", "boost": 0.3 }
  ]
}