Without Passcard
Spend stays in local logs
Each agent writes token counts on the machine it runs on. Nobody sees them in one place.
Loops run unnoticed
An agent can retry the same task for hours. Nobody gets a warning while the spend climbs.
One total on the invoice
The provider bill cannot say which person, project or client caused the cost.
Keys pasted into prompts
API keys end up in agent chats, and nobody notices until they leak.
Finance sees one total. Engineering sees nothing until it is spent.