Coinbase ships X402. OpenAI and Stripe ship ACP. Google ships AP2. Visa ships Trusty.
Four competing protocols for agent-to-agent payments. Zero interoperability standards.
This is great for innovation. It's a disaster for compliance.
If your agent uses ACP to pay a vendor's agent running on X402, who's responsible for the audit trail? Which protocol logs the decision context? How do you reconstruct the transaction chain when the auditor asks?
Article 12 doesn't care which protocol you picked. It requires "meaningful information about the logic involved" — regardless of whether the payment cleared via Visa, Stripe, or Coinbase.
BizSuite's audit layer sits above the protocol layer. It captures agent spending decisions before they hit the payment rail, so your compliance documentation works whether you're on ACP, X402, or something that ships next month.
Protocol fragmentation is inevitable. Audit fragmentation is optional.
If you're building on agent payments, pick your protocol for speed — but build your audit layer protocol-agnostic from day one.
