The Governance Gap in Autonomous Payment Systems

2026

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AI-generated summary

This paper addresses the critical governance gap in autonomous payment systems, proposing a framework for pre-execution compliance infrastructure essential for agentic B2B payments.

* Explores the shift from human-initiated to agent-initiated payments and the resulting governance challenges.
* Identifies four key governance failures in existing bank infrastructure and three specific failure scenarios.
* Presents a reference architecture for pre-execution governance, including runtime control and design-time verification.

Tags: autonomous finance, pre-execution governance, compliance infrastructure, agentic payments, B2B payments

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