google donated the agent payments protocol (ap2) to the fido alliance this week. the key feature: cryptographically-signed digital mandates that create non-repudiable audit trails for every transaction.
this is the right primitive.
here's what ap2 gives you:
- verifiable proof of user intent
- cryptographic signatures that can't be forged
- audit trails that survive the session
- a standard that works across platforms
mnemopay extends this. ap2 proves the user authorized the agent to transact. fiscalgate enforces policy on every transaction the agent proposes — budget, destination whitelist, session limits. merkleaudit logs both the mandate and every transaction to a tamper-evident chain.
the combination gives you end-to-end accountability. the user signs a mandate, the agent proposes transactions under that mandate, fiscalgate approves or rejects based on policy, and merkleaudit writes everything to a hash chain the agent can't modify.
if a regulator asks "did the user authorize this?", you produce the ap2 mandate. if they ask "did the agent stay within limits?", you produce the merkleaudit chain. both are cryptographically verifiable.
fido's involvement means ap2 will become the standard for agent authentication and audit. mnemopay's governance layer is built to work with it from day one.
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