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.

翻译：代理支付系统将委托行为扩展至金融转账领域，但在受监管环境下通过稳定币轨道实现规模化部署时，需建立人类无需持续参与仍能有效运转的安全保障机制。我们提出了一种合规感知架构，该架构将x402式基于签名的支付授权与中继执行相结合，通过策略包装器和协调模块化检查的策略管理器，将可编程合规性嵌入为链上防护栏。通过在交易执行节点而非离线流程中实施合规检查，该方法在满足条件时保持低摩擦结算，记录交易关联的链上证明，并在待处理需求时支持结构化问题解决。