Definition
Agent-delegated payments authorize AI agents to initiate and complete transactions within user-defined limits after a one-time upfront consent — removing per-transaction human authentication while preserving spending caps, audit trails, and revocation.
Key Points
- Differs from human-in-the-loop models (razorpay requires final consent)
- Combines mandate infrastructure + identity verification + machine-readable payment protocols
- p3p-protocol first production deployment at India UPI scale
- Global precedent alongside x402 (Coinbase) and Visa-OpenAI tokenized commerce
- 2026-07: natural raises Series A for full agent-native-payments stack (wallets through billing roadmap)
Safeguards
- Spending limits and condition boundaries
- grantex identity verification
- Audit trails for every agent-initiated payment
- User mandate revocation at any time