Pending patent application (March 2026)
The Missing Infrastructure Layer for Enterprise Agentic Payments
CLARC Research
April 26, 2026
This whitepaper examines the authorization gap enterprises face as AI agents take on greater autonomy in financial workflows, and proposes a clearing and authorization registry model to close it.
What's inside
- Why existing payment and ERP infrastructure lacks agent-native authorization controls
- The distinction between agent identity, delegation, and transaction-level authorization
- A clearing and registry model for verifying agent authorization in real time
- Implications for financial institutions, payment processors, and enterprise treasury teams
Who should read this
Enterprise treasury and finance leaders, payment service providers, financial institution risk and compliance teams, and technology partners building agentic commerce capabilities.
- Clearing and Authorization Registry
- A neutral, independently governed system that allows organizations to register AI agents and enables financial institutions and other verifiers to confirm an agent's authorization before executing a transaction.
Key Concepts
- Clearing and authorization registry
- Agent identity vs. delegation vs. transaction authorization
- Real-time verification for financial institutions
- Enterprise agentic payments
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