Compliance-Aware Agentic Payments on Stablecoin Rails
For developers and regulators of agentic payment systems, this work addresses the challenge of scaling delegated financial transfers in regulated settings without continuous human oversight.
The paper presents a compliance-aware architecture for agentic payments on stablecoin rails that embeds programmable compliance as an on-chain guardrail, enabling low-friction settlement when conditions are met and structured resolution when requirements are pending.
Agentic payment systems extend delegated action to financial transfers, but scaling them on stablecoin rails in regulated settings requires safeguards that remain effective when humans are not continuously in the loop. We present a compliance-aware architecture that combines x402-style, signature-based payment authorisation and relayed execution with programmable compliance embedded as an on-chain guardrail via a policy wrapper and policy manager coordinating modular checks. By enforcing compliance at the point of execution, rather than as a separate off-chain workflow, the approach preserves low-friction settlement when conditions are satisfied, records transaction-linked on-chain attestations, and supports structured resolution when requirements are pending.