Compliance-Aware Agentic Payments on Stablecoin Rails

TL;DR

This paper introduces a compliance-aware architecture for agentic payments on stablecoin platforms, integrating on-chain safeguards to ensure regulatory adherence without sacrificing transaction efficiency.

Contribution

It proposes a novel on-chain compliance mechanism combining signature-based authorization with modular checks, enhancing security and regulatory compliance in agentic payment systems.

Findings

Enables low-friction settlement with embedded compliance checks

Records transaction-linked on-chain attestations for auditability

Supports structured resolution when compliance requirements are pending

Abstract

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.