An intent-linked, append-only agent-spend ledger

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An intent-linked, append-only agent-spend ledger. Each transaction row binds six fields that payment networks do not carry together: agent identity, the human who owns that agent, the intent or task that triggered the spend, the policy verdict plus the specific rule that applied, the approver when one was required, and what actually settled. Around that core sit per-agent funded wallets with hard budgets (making budget-exhaustion events observable), spend controls recorded as caps, allowlists and velocity rules enforced before settlement, threshold approvals resolved one-tap approve or deny over Slack, email or webhook, and scoped virtual cards. Rail-neutral across AP2, ACP, x402 and MPP, with records exported to customer warehouses and via an audit API