How does anyone verify that an agent payment matched what the human actually meant?

When an AI agent executes an on-chain or stablecoin payment, the payee, auditor, and regulator receive no machine-verifiable evidence that the human principal authorized this specific transaction with this specific intent. Existing agent frameworks produce logs, not proofs. The IMF flagged in April 2026 that agentic AI reshaping payments creates a structural accountability gap: if an agent sends value to the wrong address or outside its mandate, there is no way at settlement time to distinguish authorized action from agent overreach. Cryptographically signed user mandates exist as a concept in research but no deployed payment standard requires or verifies them at the moment of settlement.