Agent payment flow

System

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flowchart TD
  Human["Human"] -->|prompt| UI["ui/app.js"]
  UI -->|POST /api/turn| Server[":5180
Circle Wallets"]
  Server --> Intent["parseIntent"]
  Intent --> UCP["Shopify UCP"]
  Intent --> Cat[":5181 catalog
Arc"]
  Cat --> Cover{"live ETH?"}
  Cover -->|no| Reject["Reject unpaid"]
  Cover -->|yes| Policy["policy.ts"]
  UCP --> Policy
  Scan["8004scan"] --> Buyer["buyer #9638"]
  Scan --> Sid["seller #6832"]
  Sid --> Policy
  Policy --> Gate{"Approve?"}
  Gate -->|no| Stop["Stop"]
  Gate -->|DIRECT| Nano["HTTP 402
Nanopayments"]
  Gate -->|PROTECTED| Escrow["AuthCapture
Circle Contracts"]
  Nano --> Verify["verify.ts"]
  Escrow --> Verify
  Verify -->|pass| Receipt["Receipt
Arc · USDC"]
  Verify -->|fail| Void["Void
Circle Contracts"]

Two payment rails

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flowchart TB
  DH["DIRECT · Nanopayments"] --> G1["GET /charts/ETH
Arc"]
  G1 --> P402["HTTP 402
Nanopayments"]
  P402 --> Sign["Buyer signs
Circle Wallets"]
  Sign --> Retry["PAYMENT-SIGNATURE
Gateway"]
  Retry --> Data["CoinGecko payload
USDC"]

flowchart TB
  PH["PROTECTED · Circle Contracts"] --> Auth["Authorize USDC
Circle Wallets"]
  Auth --> G2["GET /research/ETH
Arc"]
  G2 --> V["Verify"]
  V --> Rec{"received?"}
  Rec -->|yes| Cap2["Capture
Circle Contracts"]
  Rec -->|no| Void2["Void
Circle Contracts"]

Policy engine

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flowchart LR
  Start["evaluatePolicy"] --> Id{"identity?
ERC-8004"}
  Id -->|missing| R1["REJECT"]
  Id -->|ok| Cap{"over spend?
USDC"}
  Cap -->|yes| R2["REJECT"]
  Cap -->|no| Fail{"3 failures?"}
  Fail -->|yes| R3["REJECT"]
  Fail -->|no| Big{"100-plus or lagged?"}
  Big -->|yes| P1["PROTECTED
Circle Contracts"]
  Big -->|no| Nano{"1 or less instant?"}
  Nano -->|yes| D1["DIRECT
Nanopayments"]
  Nano -->|no| P2["PROTECTED
Circle Contracts"]

Module boundaries