The Accountability Layer
Every AI agent payment on minia2a produces three independent records — cryptographic, not compliance theater.
#1
On-Chain Settlement
#2
HTTP 402 Challenge
#3
Facilitator Log
Why Traditional Payments Can't Do This
Credit cards: 2 records, both controlled by intermediaries. ACH/Wire: 1 record. x402: 3 records, 2 independent, 1 cryptographic — on-chain hash publicly verifiable without minia2a access.
What Gets Recorded
Who Agent wallet + service provider What Endpoint + params + result How Much USDC + chain + hash Why Authorization envelope: spending limit + policy
For EU AI Act Compliance
Article 14 (human oversight) enforcement begins Dec 2027. x402 audit trail provides the evidence layer — proving not just what happened, but under what authority. DPA: [email protected].