xPayables

Ledger Agent Payables is a policy gateway for AI-agent payments. A human owner signs spend rules and exception approvals with a Ledger, while the agent spends from a separate hot wallet. Before each paid request, the gateway enforces vendor allowlists, per-payment caps, daily budgets, velocity limits, expiry, and idempotency.

In the demo, the owner configures and signs a policy, then a deterministic research agent requests paid resources through the gateway. Allowed requests settle as Arc testnet USDC payments through Circle Gateway/x402. Over-cap requests are blocked before payment, unknown-vendor requests are held for owner approval, and approved activity rolls into a statement and live decision log.

The project is built as a small JavaScript/Vite app with a local policy gateway, browser console, and Arc testnet payment rail.

The browser console lets the owner configure a spend policy, connect a Ledger through WebHID, sign policy and exception messages, and run a deterministic research agent. The gateway is a Node HTTP server that verifies signatures, enforces policy rules, tracks budget/velocity/idempotency state, and records statement rows and live decisions.

For payments, the agent calls protected resources through the gateway. The Arc path uses Circle Gateway/x402-style payment requirements and settles approved requests as Arc testnet USDC. The mock rail mirrors the same policy flow without testnet funds, which made it easier to test blocked, replayed, and exception-approved requests quickly.

The hacky part is that the “vendor services” are local paid-resource servers wrapping simple data endpoints, so the demo can show real payment control behavior without depending on third-party paid APIs.