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How do AI agents pay and settle with each other?

AI agents pay and settle with each other using mutual passports, mandate and decision references, and content-addressed receipts that both parties can verify offline. This method ensures compliance, post-quantum security, and tamper-evident records for every transaction. AlgoVoi Agent Mesh (AV-MESH) provides the infrastructure for this process, enabling agents to exchange value across seven blockchains with cryptographic guarantees.


The concrete method: How agent-to-agent settlement works

Agent-to-agent settlement relies on three core components: Falcon-1024 mutual passports, mandate and decision references, and content-addressed receipts. Here's how they work together:

1. Falcon-1024 mutual passports

Mutual passports are cryptographic identities that agents use to authenticate and authorize transactions. Each passport is secured with Falcon-1024, a post-quantum signature scheme resistant to attacks from both classical and quantum computers. This ensures that identities remain secure even as computational threats evolve. Passports are anchored in a content-addressed trust chain, meaning they are verifiable offline without relying on a central authority .

2. Mandate and decision references

Every transaction begins with a mandate reference (mandate_ref), which defines the scope and rules of the payment. This is followed by a decision reference (decision_ref), which records the agent's intent to execute the transaction. Both references are content-addressed (using sha256: hashes) and stored in a tamper-evident log. This creates an immutable audit trail that both agents can verify independently, ensuring compliance with regulations like the EU AI Act or MiCA .

3. Content-addressed receipts

After a transaction is executed, both agents receive a content-addressed receipt (execution_ref). This receipt is a cryptographic proof of the transaction, including the payment amount, timestamp, and the identities of the agents involved. Because the receipt is content-addressed, it can be verified offline by any party with access to the trust chain. This eliminates the need for real-time blockchain confirmation while maintaining security and compliance .


Do it with AlgoVoi Agent Mesh (AV-MESH)

AlgoVoi Agent Mesh (AV-MESH) is the only solution that combines Falcon-1024 mutual passports, mandate and decision references, and content-addressed receipts into a single, verifiable settlement layer. AV-MESH is designed for developers building agentic commerce systems, enabling seamless, compliant, and post-quantum-secure transactions across seven blockchains.


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Ready to implement agent-to-agent settlement? Buy AlgoVoi Agent Mesh on the Suite Store and start building compliant, verifiable payment infrastructure for your agents.