| Layer | Responsibility |
|---|---|
| User | Connect the account, set the approval threshold, and complete required browser actions |
| AI agent | Understand the request, call MCP tools, present material details, and track status |
| AgentBank MCP | Restore a local installation or authenticate a hosted OAuth connection, then expose its high-level tools and resources |
| Protocol Core | Enforce authorization, lock routes, issue instructions, verify execution, and store durable state |
| Privy | Provide the AgentBank wallet infrastructure |
| World ID / AgentKit | Provide payment-specific human authorization and verified-agent capabilities |
| KYC provider | Verify eligibility for gated fiat markets |
| Payment rails | Collect or deliver fiat for supported routes |
A successful on-chain receipt is not necessarily final payment completion.
Always use
get_payment as the authoritative durable status.