Before payment: establish authority
Check the mandate, purpose, amount, recipient scope and validity period.
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PAYMENT RISK RESEARCH
Payment risk research
From whether to pay, to the basis for payment.
Explore authorization verification, risk identification, human intervention and transaction record mechanisms in autonomous payments.
Explore OceanAlt pre-payment decisionsPRINCIPAL→AI Agent→PAYMENT REQUEST
01AuthorizationPrincipal · Purpose · Limits
02RiskRecipient · Intent · Behavior
03ReviewEvidence gaps · Human review
04RecordsSource · Time · Response
Connect each decision to evidence and responsibility.
Evidence for each verification step
When exceptions arise: review and intervene
Refer risk signals and evidence gaps to appropriate reviewers and record the reasons for the response.
After payment: retain and review
Link decisions, timing, sources and transaction records for subsequent tracing and review.
Follow a transaction to understand risk
01
Authorization verification
Study how agents and principals are linked, how purpose, spending limits, recipient scope and validity are checked, and how expired, revoked or exceeded authority is identified.
02
Risk identification
Study risk signals and supporting evidence concerning recipients, fund sources, payment intent and actual behavior. Distinguish verified information, risk indicators and unresolved situations.
03
Human intervention
Study when insufficient evidence, conflicting signals or exceeded authority call for a pause, review or human intervention, including review authority, required information and follow-up records.
04
Transaction records
Explore how pre-payment decisions are linked to sources, timing and evidence so later reviewers can reconstruct context, understand the response and challenge the decision.
RISK SCENARIOS
Identify the exception. Explain the response.
Recipient and endpoint anomalies
Study recipient checks, comparison evidence and information timing in cases involving list signals, impersonated endpoints and misleadingly similar addresses.
Payment intent diverges from authorization
Examine divergence between payment instructions and the authorized purpose, amount or recipient scope, including human confirmation in prompt-injection and blind-signing scenarios.
Reference outcomes & review conditions
Explore how allow, review or decline reference outcomes connect to evidence and how insufficient evidence is handled. Human review is not automatic approval, and historical records do not guarantee future transaction safety.
RESEARCH & EXCHANGE01 02
Connect methods to practical business questions
Discuss concrete contexts for authorization checks, human review and records, distinguishing research proposals, implementation and service responsibility.
Explainable, traceable research records
Research verifiable record structures covering evidence, response reasons and human review. Distinguish pre-payment decision records from payment receipts and determine the format for the implementation context.
Research and implementation
The Alliance conducts research, professional exchange and standards proposals. Technical materials and services are provided by OceanAlt; the operating entity and contracting arrangements will be added once formally confirmed.
TECHNICAL RESEARCH & REFERENCE IMPLEMENTATION
OceanAlt
The Alliance organizes this research direction. OceanAlt undertakes the related technical research, scenario validation and reference implementation. Any matters relating to OceanAlt’s commercial products, contracts, fees and technical delivery are governed by OceanAlt’s own terms and applicable legal documents.
Pre-payment decision & authorization checks
Pre-settlement checks cover agent attribution, revocation, per-payment and daily aggregate limits, recipient allowlists and payment purpose, alongside risk screening and replay prevention.
OceanAlt does not move funds; payments are executed by the integrator through its own payment channels.
View agent attribution & authorization checksPayee address screening
Check recipient addresses before payment, using risk signals and source evidence to support verification and examination of the findings.
No detected risk signals do not guarantee safety; findings must be interpreted in their transaction context and evidence coverage.
View payee screening documentationDecision API & integration
The pre-payment decision API returns allow, review or decline with verifiable evidence. Payment intent, changed recipient details and post-payment monitoring can inform the workflow.
Relevant to integration research for wallets, payment systems and Agent applications; consult the official documentation for parameters and capabilities.
Read API documentationFor OceanAlt’s public technical resources, visit the official OceanAlt developer page.
TAKE PART
Contribute research comments Bring a concrete question to the discussion
Describe the context, questions and available materials to advance research or professional cooperation.