Designing Guardrails for AI Agents That Spend Real Money
Agent-initiated payments are moving into production through frameworks such as Stripe and OpenAI's Agentic Commerce Protocol and Google's AP2. As software gains authority to spend on behalf of users and organizations, the key challenge shifts from authentication to governance. This article explores the controls, guardrails, liability concerns, and delegation frameworks needed to make autonomous payments trustworthy and auditable.
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