An AI agent that can read your bank statement can usually also move money. The question for any business is not whether the agent is clever. It is what the agent is allowed to do when nobody is watching.
In our products, every agent is held to the same rules as a person. It has a role. Its permissions are written down. It has a spending limit, and in Smartacy a monthly cap on the AI it may use, so a runaway agent cannot run up a bill.
Nobody gains powers by delegating to an agent.
That one rule does a lot of work. You can only start an agent whose every action your own role could do. A finance clerk cannot use an agent to approve a payout above their limit, because they could not approve it themselves.
Limits also make agents easier to trust. When the collections agent wants to refund twelve bidders and the total is above its cap, the request lands in the decision inbox with the amount, the reason and the people who can approve it. The agent did the work. A person makes the call.
Prompts tell an agent what to do. Limits decide what happens when the prompt is not enough.