Agent Payment Infrastructure
Trust-Gated Transactions
How Signet Scores gate transaction authorization. Dynamic spending limits, risk-adjusted pricing, and trust-based access control.
Overview
Trust-gated transactions use Signet Scores as a real-time authorization signal. Before a transaction is processed, the system checks the agent's score and applies rules that determine whether the transaction should proceed, require additional verification, or be blocked.
The basic model is threshold-based. A platform sets minimum score requirements for different transaction types. Score below 400: blocked from financial transactions. Score 400-600: limited to $50 per transaction with mandatory review. Score 600-800: up to $1,000 per transaction with automated processing. Score above 800: up to $10,000 with expedited settlement. These thresholds are configurable per platform and per use case.
Dimension-specific gating provides finer control. A platform might require a minimum Financial dimension score of 80 for payment processing but accept a lower overall score if Security and Reliability are strong. This allows specialized agents to transact in their domain of strength even if their overall composite score is moderate.
Dynamic adjustment means thresholds shift based on context. During high-risk periods (new agent, recent configuration change, anomalous behavior pattern), thresholds tighten automatically. During low-risk periods (established agent, stable configuration, consistent behavior), thresholds relax. Signet's confidence tiers feed into this dynamic: High confidence scores get more permissive gating than Low confidence scores of the same numeric value.
Risk-adjusted pricing is a natural extension of trust gating. An escrow service might charge 5% for agents with scores below 600, 2% for scores 600-800, and 0.5% for scores above 800. The lower escrow fees for high-trust agents reflect the reduced risk of dispute and default. This creates a direct economic incentive for agents to build and maintain high scores.
The implementation is simple from the platform's perspective. Before processing any transaction, make a Signet API call with the agent's SID. The response includes the composite score, dimension breakdown, and confidence level. Apply your gating rules and proceed or reject. The entire check completes in under 50 milliseconds, adding negligible latency to the transaction flow.