Rodrigo Coelho explains that autonomous agents need more than a payment rail. Organizations also need spending limitsAn AI agent authority budget bounds what an agent may do using limits across scope, rate, impact, cost and reversibility., visibility, accountability and compliance controls that remain enforceable when software acts faster than a human approval process.
Pranav Maheshwari demonstrates Ampersend as a walletAn agent wallet is a programmable payment account that lets an authorized AI agent hold or use funds under enforceable custody and spending policies. and aggregation layer for paid tools. The workflow lets an agent discover a service, make an x402 paymentThe x402 payment protocol uses the HTTP 402 Payment Required flow to let software pay for online resources and services. and complete a purchase while recording the transaction for policy and audit purposes.
The presenters also simulate a prohibited transaction and show a compliance layer blocking it. Their central argument is that agent commerceAgentic commerce lets AI agents discover, recommend, and purchase goods or services within delegated financial controls. must separate model behavior from durable financial guardrailsAn AI guardrail is a technical or procedural control that constrains, checks or blocks unsafe AI behavior., so a compromised or mistaken agent cannot simply ignore policy.
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