Payment Lab · Trust Simulator

Can this agent make this payment, and can we prove why?

A synthetic user mandate meets a synthetic transaction. The engine walks every guardrail — currency, per-transaction cap, daily cap, MCC allow/blocklist, expiry, consent freshness, step-up thresholds — and produces an APPROVE / DENY / STEP-UP verdict with a full audit trail. Illustrative simulation. No LLM, no real network calls.

ScenarioPer-transaction cap (USD)Consent age (minutes)

Everything inside the guardrails; decision APPROVE.

DecisionAPPROVE

All guardrails passed. Agent may proceed.

Guardrail trace

PASSMandate exists and identifies the agent + principal
agent=agent_shop_helper_42 · principal=principal_bs
PASSMandate is unexpired at requested time
expires=2026-10-27T19:24:08.084Z · requested=2026-09-27T19:24:08.084Z
PASSRequested currency matches mandate currency
mandate=USD · requested=USD
PASSPer-transaction cap (150 USD)
requested=42.5 · limit=150
PASSDaily spend cap (300 USD)
today+txn=62.5 · limit=300
PASSMonthly spend cap (2000 USD)
month+txn=392.5 · limit=2000
PASSMerchant category code (MCC) is on the allowlist
mcc=5411 · allowlist=5411,5812,5732,4900
PASSMerchant MCC is not on the blocklist
mcc=5411 · blocklist=7995,5967
PASSUser consent is fresh (within 5 minutes)
age=2 minutes

Mandate snapshot

{
  "agentId": "agent_shop_helper_42",
  "principalId": "principal_bs",
  "currency": "USD",
  "perTransactionMax": 150,
  "dailyMax": 300,
  "monthlyMax": 2000,
  "expiresAt": "2026-10-27T19:24:08.084Z",
  "allowedMccs": [
    "5411",
    "5812",
    "5732",
    "4900"
  ],
  "blockedMccs": [
    "7995",
    "5967"
  ],
  "stepUpAbove": 100,
  "consentFreshMinutes": 2
}