The Drift Layer
Every publication keeps its address. Versions are never overwritten; a correction appears alongside its predecessor with a dated note. See versions and errata.
Listed newest first. Publications that share a date are ordered with the definitions version above paper no. 6.
Four Measures for Mandate Conformance
The measurement vocabulary: evaluation coverage, mandate conformance, divergence incidence over six predicate classes, and unauthorised continuation — with the ways each of them can be made to lie, published beside them.
An obligation in one place, a definition in another
Paper no. 6. Confirmation of Payee puts the duty in a regulator's direction and the content of the check in a rule book someone else maintains. What a later instrument would have to add.
Paper no. 5. Part 7 of the Payment Services Regulations 2017 is a working loss-allocation regime wired to authentication and to the rail fields. For a software delegate acting on a standing instruction, authentication and consent come apart. Four doors are opened — regulation 76, regulations 91 to 94, regulation 79, and the APP-reimbursement overlay — and none reaches the case where the close is outside the description the payer gave. The finding is about evidence, not remedy: nothing examined requires anyone to keep the record — grant, close and join — with which the question could be tried.
The Drift Layer: the clean, fast session that is not proof of authority
An autonomous agent can execute a purchase that violates what its user meant while producing the behavioral signature of a perfect checkout. The protocols name the mismatch; the UK rails cannot project the evaluation into the payment record; four measures would make the gap countable, with coverage reported first.
A response to HM Treasury on adapting the Payment Services Regulations 2017 to agentic payments: why a transaction can satisfy every machine-enforced condition of a delegated authority and still leave open the question whether the payer consented to what was executed, where the regulations already place the legal test, and what regulation should require so that the question is answerable and countable.
A response to the Bank of England's Retail Payments Infrastructure Board on agentic payments and advanced delegation: what the published agent-payment protocols do not produce when a human is brought back into the loop, why the rails cannot reconstruct the authority decision, and the narrow capability that would let an executed agentic payment be joined to the authority that permitted it.