Internet-Draft draft-das-payment-execution-finality-00.txt is now available.
Title: A Signed Instruction Is Not Settlement: Finality for Agentic and API Payments
Author: Sangam Das
Name: draft-das-payment-execution-finality-00.txt
Pages: 29
Dates: 2026-08-26
Abstract:
Payment rails already know how to move money. They do not know
whether this generated instruction — this amount, this beneficiary,
this rail, this purpose, from this agent or API worker — is the
instruction that was authorized to move. A signed ISO 20022 message,
an OAuth token on a PSP, a stored mandate, or a pass through 3-D
Secure can all be valid while the act is wrong. The signature
authenticates a channel. It does not bind a Candidate Act at the
settlement sink.
That gap is now an agent gap. A model that can call payout.create, a
RPA job that submits ACH, or a checkout agent that captures a card
will treat tool selection as settlement authority. Fraud used to
steal credentials and replay files. It now steals a seat or injects
a document and asks the authorized worker to pay a new beneficiary at
the old amount, or the old beneficiary at a new amount.
This document specifies a payment-side execution-finality profile.
An instruction remains a Payment Candidate Act. A Protected
Enforcement Domain binds principal, wallet or account, amount,
currency, beneficiary, rail, purpose, policy epoch, and intended
settlement sink, then commits evidence before scoped non-bearer
authority is issued. The sink that would actually post, capture, or
release funds verifies that authority against the live instruction
and consumes it. A signed instruction is not settlement.
The IETF datatracker status page for this Internet-Draft is:
https://datatracker.ietf.org/doc/draft-das-payment-execution-finality/
There is also an HTML version available at:
https://www.ietf.org/archive/id/draft-das-payment-execution-finality-00.html
Internet-Drafts are also available by rsync at:
rsync.ietf.org::internet-drafts
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