SpendNod MCP server

SpendNod

Your AI agent wants to buy something — should it ask you first?

SpendNod is a human-in-the-loop authorization gateway for AI agent transactions. Set spending limits, vendor blocklists, daily caps, and category restrictions. Approve or deny from your phone.

Quick Start

Claude Code

claude mcp add spendnod --transport http https://api.spendnod.com/mcp

ChatGPT

Settings → Apps → Developer Mode → Create app → paste https://api.spendnod.com/mcp

Any MCP client

{
  "mcpServers": {
    "spendnod": {
      "url": "https://api.spendnod.com/mcp"
    }
  }
}

What It Does

AI agents can now book flights, place orders, and transfer money on your behalf. SpendNod sits between your agent and every transaction — evaluating your rules in real-time and escalating anything outside your guardrails to you for approval.

Rule evaluation (in priority order):

1. Blocked vendors / blocked categories → instant deny
2. Auto-approve below threshold → instant approve
3. Require approval above threshold → escalate to human
4. Max per transaction → escalate if exceeded
5. Max per day (aggregate) → escalate if would exceed
6. Max per month (aggregate) → escalate if would exceed
7. Allowed vendors / allowed categories → escalate if not in whitelist
8. Default (no rules triggered) → auto-approve

Features

• Spending thresholds — auto-approve small purchases, require human sign-off above a limit
• Vendor blocklists — permanently block specific merchants
• Daily & monthly caps — hard budget limits across all agent activity
• Category restrictions — block or restrict entire spending categories (gambling, travel, etc.)
• Rule templates — Conservative, Moderate, and Permissive presets to get started fast
• Real-time dashboard — live activity feed, stats, and pending approvals at app.spendnod.com
• Audit trail — every request logged with outcome, timestamp, and rule that fired
• OAuth 2.1 login — Google and GitHub sign-in, no password required

Works With

• Claude Code
• ChatGPT
• Cursor
• VS Code
• OpenClaw
• Any MCP-compatible client

Pricing

Links

• Website: spendnod.com
• Dashboard: app.spendnod.com
• API docs: api.spendnod.com/docs

License

Proprietary — All rights reserved.

Built by Stack Industries LLC