why agentic payments need audit trails, not just auth

the lynx piece nails it — when an agent pays for something, you need three layers:

1. authority confirmation (did the human delegate this?)
2. payment rail interop (RTP, FedNow, stablecoin — agent picks best cost/speed)
3. audit log (immutable record of intent, execution, settlement)

most fintech stacks weren't built for software-as-buyer. they assume a human clicked checkout. mnemopay's agent fico module tracks delegation scope and logs every transaction with the original natural-language intent — so when your CFO asks "why did the agent spend $340 on cloud storage" you've got a 12-second answer, not a 12-day forensic dig.

if you're building agent commerce, the compliance and dispute-resolution surface is bigger than the payment API itself. operationalize trust before you operationalize spend.