stripe's newsroom confirmed this week that privy wallets are the funding source for aws agentcore payments. agents get a wallet, users authorize session limits, and the agent can transact within those limits.
the infrastructure is here. what's missing is the policy layer.
here's the problem: session limits are a start, but they're not enough. you also need:
- destination whitelists — which addresses can the agent pay
- per-transaction limits — not just session totals
- reason codes — why is the agent making this payment
- audit trails — what did the agent try, what was approved
privy gives the agent a wallet. fiscalgate sits between the agent and that wallet and enforces policy on every transaction.
the agent proposes a payment — destination, amount, reason. fiscalgate checks it against the user's policy. if the destination isn't whitelisted, reject. if the amount exceeds the per-transaction limit, reject. if the session budget is exhausted, reject.
every proposal and decision gets written to merkleaudit's tamper-evident chain. the agent can't modify it, and you can export it for compliance or dispute resolution.
stripe and privy built the wallet layer. mnemopay builds the governance layer that makes it safe to give agents access to money.
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