让智能支付在稳定币链上自动合规，无需人工介入。
Compliance-Aware Agentic Payments on Stablecoin Rails
- 用签名授权+代理执行，结合链上政策守卫实现自动合规
- 执行时即时验证合规性，满足条件则低延迟结算
- 适合需要持续合规的金融自动化系统
智能支付系统将委托行动扩展至金融转账，但在受监管环境中基于稳定币网络扩展时，需确保即使无人持续监控仍能有效防护。本文提出一种合规感知架构，融合x402风格的签名式支付授权与代理执行机制，并通过策略包装器和策略管理器将可编程合规规则作为链上守卫嵌入。该方法在执行点强制合规，而非依赖独立的链下流程，从而在条件满足时保持低摩擦结算，记录与交易绑定的链上证明，并支持需求待决时的结构化处理。
原文摘要 · Abstract (English)
Agentic payment systems extend delegated action to financial transfers, but scaling them on stablecoin rails in regulated settings requires safeguards that remain effective when humans are not continuously in the loop. We present a compliance-aware architecture that combines x402-style, signature-based payment authorisation and relayed execution with programmable compliance embedded as an on-chain guardrail via a policy wrapper and policy manager coordinating modular checks. By enforcing compliance at the point of execution, rather than as a separate off-chain workflow, the approach preserves low-friction settlement when conditions are satisfied, records transaction-linked on-chain attestations, and supports structured resolution when requirements are pending.
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