I spent a week building a system whose entire argument is that an AI agent cannot spend more than you authorised. Then, four days in, I found that the most novel part of it had never executed. Not once. What I built Pocket Change gives AI agents bounded, auditable spending authority. You sign one ceiling. A task decomposes into as many agents as it takes — 121 in one run — and each one is handed a Biscuit capability token strictly narrower than its parent's. Blocks are append...