In the dark days of HCB, inviting people to your organization was always a binary risk assessment - "do I give this person unfettered access to everything, or nothing at all?"

Once we realized this was Suboptimal And A Bit Dangerous™️, we started to think about operational security from users' perspectives more carefully.

User roles was step one. This introduced predetermined permission sets to control users' access in an organization.

Today, we're introducing spending controls. This allows managers of HCB organizations to impose a finer level of control on how much money a member can spend.

Here is a rundown of how to use it:

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To get to a team member's spending controls page, visit the Team page and click on the $ icon next to their name.

A team member's spending controls page gives you consolidated details of how they're using their cards.

When controls are disabled, a member can spend any amount of money with their cards. (Since they're not managers, so still can't transfer via ACH, check, HCB transfer, etc.)

Now, let's enable spending controls for Fiona.

With spending controls enabled, new transactions on Fiona's card will be approved/declined based on Fiona's balance. Since we haven't given her an allowance yet, her balance is zero! (as seen above)

Let's give Fiona an allowance of $2,500!

Hint: click the New button on the top right.

Now that I've given Fiona an allowance, she can spend it with her card! This $2,500 didn't leave the organization's balance when I created an allowance. Instead, both balances will decrease when she makes a purchase.

You should probably also know that these allowances are not time-dependent. They don't expire, and they do not recur (it's not a weekly/monthly limit).

As a convenience, you can also choose to enable spending controls and set an initial amount when you invite someone to your organization.