Human Approval Alone Won't Scale: The Governance Architecture Payment Agents Need

Whire's human-approval safeguard effectively blocks LLM hallucination but leaves no audit trail of the agent's decision logic—a critical gap under EU AI Act and PSD2 compliance requirements. As transaction volume scales beyond manual review capacity, payment automation demands an automated governance stack: schema validation, policy evaluation, risk scoring, tamper-proof receipts, and human escalation for exceptions.