When step-up triggers
Any of:- The transaction amount exceeds the envelope’s step-up threshold.
- The counterparty isn’t in your allowlist (and the skill template treats out-of-allowlist as step-up).
- The transaction velocity would exceed the rolling-window cap.
- The risk model returns a
flagverdict. - The agent is requesting a sensitive write (e.g., adding to the beneficiary allowlist, changing the policy envelope itself).
What you see
The dashboard shows a step-up card with:- Which agent is asking.
- Which tool it wants to call.
- The amount and counterparty (or a redacted preview if it’s a non-money tool).
- The natural-language explanation — an LLM-generated summary of what the agent’s about to do, in plain English.
- A diff view — before/after state if the action would change something.
- The before-and-after policy — if the agent is asking to change envelope settings.
How to approve
| Surface | How |
|---|---|
| Phone push | Face ID or fingerprint, directly from the lock screen |
| Mobile app | Tap the step-up card, biometric or passcode |
| Web dashboard | Tap Approve, then your passkey or two-factor method |
How step-up is bound to a single call
Every step-up generates a single-use sigil — a one-time token that authorizes the specific tool call you approved. Once consumed, the sigil is invalidated. Replay attacks can’t use the same sigil to approve a different call. If the agent retries the same tool call (e.g., the network blipped between approval and broadcast), it has to ask for a fresh sigil. This is intentional: every successful tool call is paired with exactly one human approval.URL-mode elicitation
Some runtimes can’t render step-up prompts inline (older chat surfaces, voice-only interfaces, headless agents). In those cases, the agent gets back a step-up URL — a link you open in the dashboard or mobile app, which surfaces the same approval card. You’ll see this most commonly in:- Voice-mode agents (Apple Intelligence summary mode, ChatGPT Voice).
- IDE-embedded coding agents that don’t have a chat-style approval UI.
- Server-side agent frameworks that don’t have a user attention surface.