Compliance-Aware Agentic Payments on Stablecoin Rails

Fuente: arXiv
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Main Authors: See, Kenneth, Tan, Xue Wen
Format: Preprint
Published: 2026
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author See, Kenneth
Tan, Xue Wen
author_facet See, Kenneth
Tan, Xue Wen
contents 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.
format Preprint
id arxiv_https___arxiv_org_abs_2605_00071
institution arXiv
publishDate 2026
record_format arxiv
spellingShingle Compliance-Aware Agentic Payments on Stablecoin Rails
See, Kenneth
Tan, Xue Wen
Cryptography and Security
Artificial Intelligence
Computational Engineering, Finance, and Science
Multiagent Systems
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.
title Compliance-Aware Agentic Payments on Stablecoin Rails
topic Cryptography and Security
Artificial Intelligence
Computational Engineering, Finance, and Science
Multiagent Systems
url https://arxiv.org/abs/2605.00071