The Era of AI Spending Money Has Arrived — Deep Dive into CAICT's 2026 Top 10 Agent Keywords and Agent Payment Protocols

package agentpayment

import (
	"crypto/ecdsa"
	"crypto/rand"
	"crypto/sha256"
	"crypto/x509"
	"encoding/hex"
	"encoding/json"
	"errors"
	"fmt"
	"time"
)

// Autonomy Level Enum
type AutonomyLevel int

const (
	L0_ManualConfirm AutonomyLevel = iota
	L1_AIAssisted
	L2_RuleAutoFill
	L3_SingleTaskAuto
	L4_RangeAuto
	L5_FullAuto
)

func (l AutonomyLevel) String() string {
	return [...]string{"L0_Manual", "L1_AIAssisted", "L2_AutoFill",
		"L3_SingleTask", "L4_RangeAuto", "L5_FullAuto"}[l]
}

// Agent Runtime Identity (ARI)
type AgentRuntimeIdentity struct {
	UserID       string    `json:"user_id"`       // KYC
	AgentID      string    `json:"agent_id"`      // KYA
	AgentVersion string    `json:"agent_version"`
	DeviceID     string    `json:"device_id"`
	RuntimeHash  string    `json:"runtime_hash"`  // KRV
	Timestamp    time.Time `json:"timestamp"`
	Signature    string    `json:"signature"`
}

// Payment Mandate
type Mandate struct {
	ID            string        `json:"id"`
	UserID        string        `json:"user_id"`
	AgentID       string        `json:"agent_id"`
	ActionType    string        `json:"action_type"`
	AmountLimit   float64       `json:"amount_limit"`
	CategoryLimit []string      `json:"category_limit"`
	PayeeList     []string      `json:"payee_list"`
	TimeWindow    time.Duration `json:"time_window"`
	AutonomyLevel AutonomyLevel `json:"autonomy_level"`
	CreatedAt     time.Time     `json:"created_at"`
	ExpiresAt     time.Time     `json:"expires_at"`
	Signature     string        `json:"signature"`
}

// ARI Validator — Triple Identity Verification
type ARIValidator struct {
	privateKey *ecdsa.PrivateKey
	publicKey  *ecdsa.PublicKey
}

func (v *ARIValidator) ValidateARI(ari *AgentRuntimeIdentity, mandate *Mandate) error {
	if ari.UserID != mandate.UserID {
		return errors.New("KYC failed: user identity mismatch")
	}
	if ari.AgentID != mandate.AgentID {
		return errors.New("KYA failed: agent identity mismatch")
	}
	if ari.RuntimeHash == "" {
		return errors.New("KRV failed: runtime hash is empty")
	}
	if mandate.AutonomyLevel < L3_SingleTaskAuto {
		return fmt.Errorf("autonomy level %s too low", mandate.AutonomyLevel)
	}
	if time.Now().After(mandate.ExpiresAt) {
		return errors.New("mandate expired")
	}
	return nil
}

// Payment Adjudication
func (v *ARIValidator) Adjudicate(mandate *Mandate, amount float64, category string, payee string) (bool, error) {
	if amount > mandate.AmountLimit {
		return false, fmt.Errorf("amount %.2f exceeds limit %.2f", amount, mandate.AmountLimit)
	}
	categoryAllowed := false
	for _, c := range mandate.CategoryLimit {
		if c == category || c == "*" {
			categoryAllowed = true
			break
		}
	}
	if !categoryAllowed {
		return false, fmt.Errorf("category %s not in mandate", category)
	}
	return true, nil
}

// Fund Carrier Isolation
type FundCarrier struct {
	CarrierID  string    `json:"carrier_id"`
	UserID     string    `json:"user_id"`
	AgentID    string    `json:"agent_id"`
	Balance    float64   `json:"balance"`
	DailyLimit float64   `json:"daily_limit"`
	UsedToday  float64   `json:"used_today"`
	SceneLimit []string  `json:"scene_limit"`
	ValidUntil time.Time `json:"valid_until"`
}

"""
Multi-Agent Collaborative Payment Flow
Demonstrates three agents (Shopping, Arbitration, Risk Control) 
collaborating to complete a payment
"""
import json
import time
import hashlib
from enum import Enum
from dataclasses import dataclass, field
from typing import Optional, List


class AutonomyLevel(Enum):
    L0_MANUAL = 0
    L1_ASSISTED = 1
    L2_AUTOFILL = 2
    L3_SINGLE_TASK = 3
    L4_RANGE_AUTO = 4
    L5_FULL_AUTO = 5


@dataclass
class PaymentRequest:
    request_id: str
    agent_id: str
    user_id: str
    amount: float
    payee: str
    category: str
    mandate_id: str
    timestamp: float = field(default_factory=time.time)
    intent: str = ""


@dataclass
class PaymentDecision:
    request_id: str
    approved: bool
    autonomy_level: AutonomyLevel
    reason: str
    evidence_hash: str
    timestamp: float = field(default_factory=time.time)


class ShoppingAgent:
    """Shopping Agent — Understands user intent, selects products, compares prices"""
    
    def __init__(self, agent_id: str, user_id: str, mandate: dict):
        self.agent_id = agent_id
        self.user_id = user_id
        self.mandate = mandate
    
    def process_intent(self, user_input: str) -> PaymentRequest:
        intent_info = self._parse_intent(user_input)
        return PaymentRequest(
            request_id=f"req_{int(time.time_ns())}",
            agent_id=self.agent_id,
            user_id=self.user_id,
            amount=intent_info["amount"],
            payee=intent_info["payee"],
            category=intent_info["category"],
            mandate_id=self.mandate["id"],
            intent=user_input,
        )
    
    def _parse_intent(self, text: str) -> dict:
        if "flower" in text.lower() or "gift" in text.lower():
            return {"amount": 199.0, "payee": "FlowerShop", "category": "gift"}
        elif "ticket" in text.lower():
            return {"amount": 89.0, "payee": "Cinema", "category": "ticket"}
        elif "subscribe" in text.lower():
            return {"amount": 29.9, "payee": "VIPService", "category": "subscription"}
        return {"amount": 0, "payee": "unknown", "category": "unknown"}


class PaymentArbitrationAgent:
    """Arbitration Agent — Validates identity and authorization rules"""
    
    def __init__(self, validator_id: str):
        self.validator_id = validator_id
    
    def validate_request(self, request: PaymentRequest, mandate: dict) -> Optional[PaymentDecision]:
        if request.amount > mandate.get("amount_limit", 0):
            return PaymentDecision(
                request_id=request.request_id, approved=False,
                autonomy_level=AutonomyLevel.L2_AUTOFILL,
                reason=f"Amount {request.amount} exceeds limit {mandate['amount_limit']}",
                evidence_hash=self._compute_hash(request),
            )
        allowed_categories = mandate.get("category_limit", [])
        if "*" not in allowed_categories and request.category not in allowed_categories:
            return PaymentDecision(
                request_id=request.request_id, approved=False,
                autonomy_level=AutonomyLevel.L2_AUTOFILL,
                reason=f"Category {request.category} not authorized",
                evidence_hash=self._compute_hash(request),
            )
        if time.time() > mandate.get("expires_at", 0):
            return PaymentDecision(
                request_id=request.request_id, approved=False,
                autonomy_level=AutonomyLevel.L1_ASSISTED,
                reason="Authorization expired",
                evidence_hash=self._compute_hash(request),
            )
        return None
    
    def _compute_hash(self, request: PaymentRequest) -> str:
        raw = f"{request.request_id}|{request.amount}|{request.payee}|{time.time()}"
        return hashlib.sha256(raw.encode()).hexdigest()


class RiskControlAgent:
    """Risk Control Agent — Real-time risk assessment"""
    
    def __init__(self):
        self.fraud_patterns = {
            "high_frequency": {"threshold": 5, "window": 60},
            "amount_anomaly": {"threshold": 5000},
        }
        self.transaction_history: List[dict] = []
    
    def evaluate(self, request: PaymentRequest) -> dict:
        risk_score = 0.0
        reasons = []
        
        if request.amount > self.fraud_patterns["amount_anomaly"]["threshold"]:
            risk_score += 0.4
            reasons.append("large_amount")
        
        recent_count = sum(
            1 for t in self.transaction_history
            if t["agent_id"] == request.agent_id
            and time.time() - t["timestamp"] < self.fraud_patterns["high_frequency"]["window"]
        )
        if recent_count >= self.fraud_patterns["high_frequency"]["threshold"]:
            risk_score += 0.3
            reasons.append("high_frequency")
        
        self.transaction_history.append({
            "request_id": request.request_id,
            "agent_id": request.agent_id,
            "amount": request.amount,
            "timestamp": time.time(),
        })
        
        return {"risk_score": min(risk_score, 1.0), "reasons": reasons}


def multi_agent_payment_flow(user_input, mandate, shopping_agent, 
                              arbitration_agent, risk_agent, autonomy_level):
    """Complete multi-agent payment workflow"""
    print(f"\n{'='*60}")
    print(f"🛒 Multi-Agent Collaborative Payment")
    print(f"User Input: '{user_input}'")
    print(f"Auth Level: {autonomy_level.name}")
    print(f"{'='*60}")
    
    # Step 1: Shopping Agent parses intent
    request = shopping_agent.process_intent(user_input)
    print(f"\n[1/4] Intent Parsed: {request.payee} | ${request.amount} | {request.category}")
    
    # Step 2: Arbitration Agent validates mandate
    rejection = arbitration_agent.validate_request(request, mandate)
    if rejection:
        print(f"  ❌ Rejected: {rejection.reason}")
        return rejection
    
    # Step 3: Risk Control Agent evaluates
    risk_result = risk_agent.evaluate(request)
    print(f"\n[3/4] Risk Score: {risk_result['risk_score']:.2f}")
    
    # Step 4: Final Decision
    if risk_result["risk_score"] < 0.3:
        decision = PaymentDecision(
            request_id=request.request_id, approved=True,
            autonomy_level=autonomy_level,
            reason="Auto-approved: all checks passed",
            evidence_hash=hashlib.sha256(b"demo").hexdigest(),
        )
        print(f"\n[4/4] ✅ Approved: {decision.reason}")
    elif risk_result["risk_score"] < 0.7:
        decision = PaymentDecision(
            request_id=request.request_id, approved=False,
            autonomy_level=AutonomyLevel.L3_SINGLE_TASK,
            reason="Escalated: medium risk, needs user confirmation",
            evidence_hash="",
        )
        print(f"\n[4/4] ⚠️ Escalated: {decision.reason}")
    else:
        decision = PaymentDecision(
            request_id=request.request_id, approved=False,
            autonomy_level=AutonomyLevel.L0_MANUAL,
            reason="Rejected: high risk transaction",
            evidence_hash="",
        )
        print(f"\n[4/4] 🚫 Rejected: {decision.reason}")
    
    print(f"\n📋 Final Decision: {'✅ Approved' if decision.approved else '❌ Rejected'}")
    print(f"{'='*60}\n")
    return decision


if __name__ == "__main__":
    mandate = {
        "id": "mandate_001",
        "user_id": "user_123",
        "agent_id": "agent_shopping_v1",
        "amount_limit": 500.0,
        "category_limit": ["gift", "ticket", "subscription"],
        "payee_list": ["FlowerShop", "Cinema", "VIPService"],
        "expires_at": time.time() + 86400,
    }
    
    shopping = ShoppingAgent("agent_shopping_v1", "user_123", mandate)
    arbitration = PaymentArbitrationAgent("arbitrator_v1")
    risk = RiskControlAgent()
    
    # Test: L4 autonomous payment
    multi_agent_payment_flow(
        "Buy a bouquet of flowers for my friend under 200",
        mandate, shopping, arbitration, risk,
        AutonomyLevel.L4_RANGE_AUTO,
    )

package trustlayers

import (
	"crypto/sha256"
	"encoding/hex"
	"fmt"
	"time"
)

// Layer 1: Intent Layer
type IntentLayer struct {
	RawInput    string  `json:"raw_input"`
	ParsedIntent Intent `json:"parsed_intent"`
	Constraints []string `json:"constraints"`
	Verified    bool    `json:"verified"`
}

type Intent struct {
	Action   string  `json:"action"`
	Target   string  `json:"target"`
	Amount   float64 `json:"amount"`
	Category string  `json:"category"`
	Payee    string  `json:"payee"`
}

// Layer 2: Identity Layer
type IdentityLayer struct {
	UserIdentity  UserIdentity  `json:"user_identity"`
	AgentIdentity AgentIdentity `json:"agent_identity"`
	RuntimeProof  RuntimeProof  `json:"runtime_proof"`
	TripleBound   bool          `json:"triple_bound"`
}

// Layer 3: Decision Layer
type DecisionLayer struct {
	Authorization Authorization `json:"authorization"`
	RiskScore     float64       `json:"risk_score"`
	BudgetCheck   BudgetCheck   `json:"budget_check"`
	Decision      string        `json:"decision"`
}

// Layer 4: Payment Settlement + Evidence Chain
type PaymentSettlementLayer struct {
	PaymentRef    string          `json:"payment_ref"`
	FundCarrierID string          `json:"fund_carrier_id"`
	EvidenceChain []EvidenceBlock `json:"evidence_chain"`
	FinalStatus   string          `json:"final_status"`
}

type EvidenceBlock struct {
	Index     int       `json:"index"`
	Timestamp time.Time `json:"timestamp"`
	DataHash  string    `json:"data_hash"`
	PrevHash  string    `json:"prev_hash"`
	BlockHash string    `json:"block_hash"`
}

type TrustChainValidator struct{}

func (v *TrustChainValidator) ValidateFullChain(userInput string) error {
	fmt.Println("=== Four-Layer Trust Architecture Validation ===")
	
	// Layer 1
	fmt.Println("\n[Layer 1] Intent Layer: Parsing & Boundary Constraints")
	intent := Intent{Action: "buy", Target: "flowers", Amount: 199.00, Category: "gift", Payee: "FlowerShop"}
	fmt.Printf("  Parsed: %s %s $%.2f\n", intent.Action, intent.Target, intent.Amount)
	
	// Layer 2
	fmt.Println("\n[Layer 2] Identity Layer: ARI Triple Verification")
	fmt.Println("  ✅ KYC | ✅ KYA | ✅ KRV — Triple Identity Bound")
	
	// Layer 3
	fmt.Println("\n[Layer 3] Decision Layer: Authorization & Risk Assessment")
	riskScore := 0.15
	fmt.Printf("  Risk Score: %.2f\n", riskScore)
	fmt.Printf("  Decision: %s\n", "APPROVE")
	
	// Layer 4
	fmt.Println("\n[Layer 4] Payment Settlement + Evidence Chain")
	block := EvidenceBlock{
		Index:     1,
		Timestamp: time.Now(),
		DataHash:  hex.EncodeToString(sha256.New().Sum([]byte("payment_data"))),
		PrevHash:  "0",
		BlockHash: hex.EncodeToString(sha256.New().Sum([]byte("block_data"))),
	}
	fmt.Printf("  Payment Ref: pay_%d\n", time.Now().UnixNano())
	fmt.Printf("  Evidence Block: index=%d, hash=%s\n", block.Index, block.BlockHash[:16])
	
	fmt.Println("\n=== Four-Layer Trust Validation Complete ===")
	return nil
}

"""
Token Payment Settlement System
Demonstrates the core flow of agent micropayments using Tokens
"""
import time
import hashlib
import hmac
from dataclasses import dataclass, field
from typing import Dict, List
from enum import Enum


class TokenType(Enum):
    COMPUTE = "compute"
    API = "api"
    DATA = "data"
    SERVICE = "service"


@dataclass
class TokenBucket:
    agent_id: str
    total_tokens: int
    used_tokens: int = 0
    daily_limit: int = 10000
    
    @property
    def available(self) -> int:
        return self.total_tokens - self.used_tokens
    
    def consume(self, amount: int) -> bool:
        if self.available >= amount:
            self.used_tokens += amount
            return True
        return False


@dataclass
class TokenPaymentRequest:
    agent_id: str
    service_id: str
    token_type: TokenType
    amount: int
    timestamp: float = field(default_factory=time.time)
    signature: str = ""
    
    def sign(self, secret_key: str):
        message = f"{self.agent_id}|{self.service_id}|{self.token_type.value}|{self.amount}|{self.timestamp}"
        self.signature = hmac.new(
            secret_key.encode(), message.encode(), hashlib.sha256
        ).hexdigest()


class TokenPaymentService:
    def __init__(self):
        self.buckets: Dict[str, TokenBucket] = {}
        self.transactions: List[dict] = []
        self.rates = {
            TokenType.COMPUTE: 0.001,
            TokenType.API: 0.01,
            TokenType.DATA: 0.05,
            TokenType.SERVICE: 1.0,
        }
    
    def register_agent(self, agent_id: str, initial_tokens: int):
        self.buckets[agent_id] = TokenBucket(agent_id, initial_tokens)
    
    def process_payment(self, request: TokenPaymentRequest, secret_key: str) -> dict:
        expected_sig = hmac.new(
            secret_key.encode(),
            f"{request.agent_id}|{request.service_id}|{request.token_type.value}|{request.amount}|{request.timestamp}".encode(),
            hashlib.sha256,
        ).hexdigest()
        if request.signature != expected_sig:
            return {"status": "rejected", "reason": "Signature verification failed"}
        
        bucket = self.buckets.get(request.agent_id)
        if not bucket:
            return {"status": "rejected", "reason": "Agent not registered"}
        if not bucket.consume(request.amount):
            return {"status": "rejected", "reason": f"Insufficient tokens (available: {bucket.available})"}
        
        fiat_value = request.amount * self.rates[request.token_type]
        tx = {
            "tx_id": f"tx_{int(time.time_ns())}",
            "agent_id": request.agent_id,
            "service_id": request.service_id,
            "token_type": request.token_type.value,
            "token_amount": request.amount,
            "fiat_value": round(fiat_value, 4),
            "timestamp": request.timestamp,
            "status": "settled",
        }
        self.transactions.append(tx)
        return {"status": "settled", "tx_id": tx["tx_id"], "fiat_value": fiat_value}


if __name__ == "__main__":
    service = TokenPaymentService()
    service.register_agent("agent_alice", 50000)
    secret = "agent_secret_key_demo"
    
    req = TokenPaymentRequest(
        agent_id="agent_alice",
        service_id="gpt_api_v2",
        token_type=TokenType.API,
        amount=100,
    )
    req.sign(secret)
    
    result = service.process_payment(req, secret)
    print(f"Token Payment Result: {result}")
    
    print(f"\nTotal Transactions: {len(service.transactions)}")
    for tx in service.transactions:
        print(f"  {tx['tx_id']}: {tx['agent_id']} → {tx['service_id']} | {tx['token_amount']}{tx['token_type']} = ${tx['fiat_value']}")