Policy engine

Control spend with limits, category restrictions, and approval thresholds.

Policy rules

const sdk = new OpenCardSDK({  policy: {    autoApproveLimit: 100,    maxPerTransaction: 1000,    allowedCategories: ["office-supplies", "cloud-services"]  },  paymentProvider});

KYA checks

KYA-style checks are represented as policy validations in the mock implementation and can be replaced by real compliance providers later.