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feat: add financial_governance spec block and purchasing-agent example#39

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Danbi58 wants to merge 1 commit intoopen-gitagent:mainfrom
Danbi58:feat/financial-governance-spec
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feat: add financial_governance spec block and purchasing-agent example#39
Danbi58 wants to merge 1 commit intoopen-gitagent:mainfrom
Danbi58:feat/financial-governance-spec

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@Danbi58
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@Danbi58 Danbi58 commented Mar 23, 2026

Demonstrates the proposed financial_governance block in a realistic
purchasing agent scenario with spending caps, category allowlists,
human approval threshold, and Slack/email/SMS notifications.

What

Adds two things:

  1. examples/financial-agent/agent.yaml — a complete purchasing
    agent example demonstrating the proposed financial_governance
    block in a realistic compliance scenario
  2. The financial_governance block itself — a new optional spec
    addition that lets payment-capable agents declare runtime
    financial controls directly in their agent definition

Why

The compliance block handles agent identity, SOD, and audit
logging at the definition level. But there's currently no standard
way to declare runtime financial controls — spending caps,
category allowlists, human approval thresholds, and which financial
firewall enforces them.

Recent incidents illustrate why this matters:

  • Feb 2026: Compromised API key ran up $82,314 in 48 hours with
    no spending cap to limit the damage
  • Nov 2025: LangChain agent loop ran 11 days undetected — $47,000
  • Feb 2026: Decimal parsing error caused an agent to send $441,000
    to a random address with no transaction cap

The financial_governance block fills this gap. It is additive,
optional, disabled by default, and ignored cleanly by exporters
that don't implement it.

Closes #38

How Tested

  • YAML is valid and parses correctly
  • Example follows existing style in examples/ directory

Checklist

  • My code follows the existing style of this project
  • I have updated documentation (if applicable)
  • I have read the CONTRIBUTING.md
    ``

Demonstrates the proposed financial_governance block in a realistic
purchasing agent scenario with spending caps, category allowlists,
human approval threshold, and Slack/email/SMS notifications.
@shreyas-lyzr
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Reviewed. This PR only adds an example agent.yaml — it does not add the schema definition, spec update, validation rules, export support, or audit support that were discussed in #38.

Issues:

  1. No schema changefinancial_governance isn't defined in spec/schemas/agent-yaml.schema.json, so gitagent validate will reject this file with additionalProperties errors
  2. Vendor lock-infirewall: valkurai and firewall_endpoint bake in a specific vendor as discussed in RFC: financial_governance spec block for payment-capable agents #38. Needs to be generic.
  3. Duplicate fieldsaudit.retention_period and audit.immutable duplicate compliance.recordkeeping. Should reference, not repeat.
  4. Placement — Should be compliance.financial_governance, not top-level. Discussed in RFC: financial_governance spec block for payment-capable agents #38.
  5. Trailing backticks — The file ends with a stray ```` which makes it invalid YAML.

This needs a schema PR first, then the example. Closing — please resubmit after addressing the #38 feedback.

@Danbi58
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Danbi58 commented Mar 25, 2026 via email

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RFC: financial_governance spec block for payment-capable agents

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