AI agents are getting better at taking action. Moving money deserves a higher bar.
A model can suggest a payment. It should not be the only thing deciding whether that payment happens. The final decision should come from clear rules that people can inspect, test, and change.
Here is the checklist I would want before any agent initiated transaction reaches a payment provider.
1. Confirm who is acting
Bind each request to a specific agent, organization, human owner, and credential. A shared token makes later investigation much harder.
