The Merchant Ledger Problem: Why Agent Payments Need Budgets, Cards, and Receipts
The Merchant Ledger Problem: Why Agent Payments Need Budgets, Cards, and Receipts
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The operational risk that keeps showing up in agent commerce is not whether an AI can make a purchase. It is whether a merchant, developer, or operator can explain the purchase afterward: who authorized it, which agent made the call, what limit applied, where the receipt lives, and how the payout reconciles back to the service that earned it.
That is the gap I analyzed in this FluxA product article. The lens is merchant monetization, not a general wallet tour.…