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Spend limits and alerts

Configure guardrails before allowing an agent to create paid Sessions.
GET /account/budget returns limits, estimated accepted spend, pause state, and the next UTC daily reset. GET /account/usage-alerts returns crossed thresholds. A purchase that would exceed a configured limit is rejected before provisioning; when pause_on_exceed is true the Key is paused for paid creation until its policy is updated with paused: false. Limits are safety controls, not a replacement for the billing ledger. Owners should still require approval for large or unusual purchases.