SpendHQ

The command center for spending permissions.

The Problem

Every neobank — Revolut, Monzo, N26 — gives you a dashboard to manage recurring payments, spending limits, and subscriptions. Crypto has nothing like this.

You delegate permissions to a DCA bot, a subscription agent, whatever the spend is , and then what? No dashboard. No visibility. No control. You either get vendor locked on their platform contacting support to do something for you.

The Solution

SpendHQ is the missing management layer for on-chain spending permissions. Built on MetaMask's ERC-7715 Delegation Framework, it lets you delegate to autonomous agents or any address or any service while maintaining full visibility and control.

Delegate → Track → Manage → Revoke

All from one command center.

The Vision

SpendHQ isn't just a dashboard — it's the infrastructure layer that crypto cards and neobanks will need.

Think about how neobanks work. They collaborate with different providers — savings, investments, subscriptions — and surface all of it in one dashboard for users to manage.

Crypto cards need the same thing.

MetamaskCard ,Gnosis Pay, Holyheld they're building crypto cards. They can collaborate with DeFi protocols Uniswap for swaps, Aave for savings, subscription services — but where do users manage all of it?

DCA into ETH every week?
Auto-savings to a yield vault?
Subscription payments from their wallet?
Spending limits for different agents?

Nowhere. That layer doesn't exist yet.

SpendHQ is that layer. White-label ready. Plug it into any crypto card, and suddenly their users get bank-grade permission management . DCA, savings, subscriptions, whatever the card wanted to provide , all under the card's brand.

┌─────────────────────────────────────────────────────────────┐│                                                             ││   Today's Crypto Cards          + SpendHQ                   ││   ──────────────────           ──────────                   ││                                                             ││   ✗ No recurring investments    → DCA Agent                 ││   ✗ No auto-savings             → Savings Agent             ││   ✗ No subscription management  → Subscription Agent        ││   ✗ No spending dashboards      → Command Center            ││   ✗ No limit visibility         → Real-time Tracking        ││                                                             ││   SpendHQ = The management layer for crypto cards           ││                                                             │└─────────────────────────────────────────────────────────────┘

We're not competing with crypto cards. We're building what they'll plug into.

Agents

SpendHQ ships with 4 autonomous agents that execute on your behalf:

Agent	What It Does	Protocol	Chain
DCA Agent	Dollar-cost average into any token on a schedule	Uniswap V3	Sepolia
Limit Order Agent	Execute swaps when price hits your target	Uniswap V3	Sepolia
Savings Agent	Auto-transfer to yield vault on a schedule	Aave V3	Base Sepolia
Subscription Agent	Recurring payments (Netflix, services, etc.)	—	Sepolia

Each agent operates within scoped permissions — spending limits, time periods, token restrictions — all enforced on-chain. Not your keys, still your control.

How It Works

Connect wallet — User connects via MetaMask or any ERC-7715 compatible wallet
Delegate permission — Sign an off-chain delegation with caveats (limits, periods, tokens)
Agent executes — Agents autonomously execute within the defined boundaries
Track everything — SpendHQ dashboard shows real-time status, executions, and limits
Revoke anytime — One-click revocation if anything needs to stop

Envio Indexer

SpendHQ uses Envio to index on-chain delegation activity across multiple chains (Sepolia & Base Sepolia).

Here's the thing — with ERC-7715, delegations are created off-chain (signed messages stored in our database). But when agents execute, that happens on-chain .

SpendHQ bridges both worlds:

Off-chain (Our DB)          On-chain (Envio)
────────────────           ─────────────────
- Active delegations       • Execution history- Permission configs       • Spending amounts (decode from raw)- Agent assignments        • Transaction logs

        │                          │
        └──────────┬───────────────┘
                   │
                   ▼
          ┌───────────────┐
          │   SpendHQ     │
          │   Dashboard   │
          └───────────────┘

Envio aggregates on-chain activity into a unified GraphQL API. We combine that with off-chain delegation data to power the complete command center — real-time execution history, spending breakdowns, and cross-chain visibility in one view.

White-Label Infrastructure

SpendHQ isn't just a consumer app — it's infrastructure.

Crypto cards and neobanks can white-label SpendHQ to give their users bank-grade permission management. Same way Revolut partners with savings providers and investment platforms, crypto cards can plug in SpendHQ for:

DCA as a feature
Auto-savings vaults
Subscription management
Spending limit controls

The permission management layer for the crypto card ecosystem.

SpendHq

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