💳

AI Agent Governance for Payments

Protect financial operations from autonomous AI agents. Require human approval for high-value transactions before they execute.

⚠

The Risk

Autonomous AI agents can initiate payments, process invoices, and execute financial transactions. Without governance, a single misconfigured prompt or hallucination could result in:

✗ Without HaltState

Payment agent processes $50,000 invoice to wrong vendor. Funds transferred before anyone notices. No audit trail of the decision. Months of reconciliation to recover.

✓ With HaltState

Payment agent attempts $50,000 transaction. HaltState intercepts, requires CFO approval. CFO reviews, spots the error, denies. Agent receives denial with reason. Proof Pack records the save.

📝

The Policy

Define financial controls in plain language. HaltState enforces them at runtime.

"Require human approval for any payment.process action where amount exceeds $1,000"

Or programmatically:

{ "action": "payment.process", "effect": "approval_required", "condition": "params.amount > 1000", "approvers": ["finance@company.com"] }
🔄

The Flow

What happens when an agent attempts a high-value payment:

Agent calls
payment.process
→
HaltState
intercepts
→
Policy check:
amount > $1,000
→
Approval
required
→
CFO notified
via email/SMS
→
Approved /
Denied

Agent waits in suspended state until human decision. Average response: 5 minutes.

📜

The Evidence

Every decision is recorded in a cryptographically sealed Proof Pack:

{ "action": "payment.process", "agent_id": "payment-bot-01", "decision": "APPROVAL_REQUIRED", "params": { "amount": 15000, "vendor": "AWS", "description": "Monthly cloud infrastructure" }, "approval": { "status": "approved", "approver": "cfo@company.com", "timestamp": "2026-01-10T14:27:45Z" }, "event_hash": "a3f2b8c9d4e5..." }

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