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Limits cap how much money can move without additional approval. Account limits are a setting on your Party, not a resource of their own: one cap per transaction, one per day, and one per month. Account limits are the backstop over everything you and your agents do. Read them with GET /parties/me/limits. Set them with PUT /parties/me/limits.

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Holds, not blocks

Your limits never hard-block a payment. Natural’s program policies can: a declined payment returns policy.denied. A movement that breaches a cap still succeeds as an API call, but no money moves: it holds as an Approval until someone approves or denies it.

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Gates

Account limits are one of four gates a movement can pass through: Natural’s program policies, your account limits, agent limits, and connection limits. Agent limits live on the Agent and hold one agent to a tighter budget; connection limits are set by your customer when they authorize an agent. Every applicable gate must clear, so in effect the tightest cap wins. See Limits for how they compose.

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Who sets them

You do, from a user session, an API key, or the dashboard. An agent can read the caps that gate it, so it can explain why a payment was held, but it can never set, raise, or remove them.