Six layers your agent has to handle. Most products have only thought about two. + a responsibility-layer audit.
For most of the internet’s history, a purchase has been a human action that everyone in the chain could see. A person clicked a button on a merchant’s site. A payment credential moved through a processor. A network or wallet weighed the risk. The merchant took responsibility for the order. The records were imperfect, but everyone agreed on the shape of the evidence: a human was present, a page was shown, a credential was used, a final action was taken.
