Fwd: Proposal for discussion: Agent Financial Trust Protocol extension for agentic commerce

Hello W3C AI Agent Protocol Community Group,

I would like to introduce an early open specification proposal for
discussion:

AFT — Agent Financial Trust Protocol
A decentralized financial trust layer for autonomous economic agents.

Agent identity and payment protocols are beginning to answer important
questions such as:

- Who is this agent?
- Can this agent identify itself?
- Is it authorized?
- Can it pay?

AFT focuses on the next layer:

Should this agent be financially trusted?

The draft proposes a common framework for agent financial identity,
delegated authority references, signed financial events, dispute history,
security incident history, fraud/scam attestations, creditworthiness
signals, reputation evidence, peer discovery, and blockchain-anchored
proofs.

The goal is not to replace agent identity, payment, or commerce protocols.
AFT is intended to complement work such as agent identity, DID/VC, AP2,
x402, Visa Trusted Agent Protocol, Mastercard Agent Pay, Agentic Commerce
Protocol, OAuth/OIDC, SPIFFE/SPIRE, HTTP Message Signatures, and blockchain
rails.

The specific areas where I would value feedback from this group are:

1. Whether AFT’s financial trust model fits naturally as an extension to
agent discovery, identity, and collaboration.
2. Whether the peer discovery model should align with existing or expected
agent discovery mechanisms.
3. Whether the event model for agent-to-agent commerce, hiring, escrow,
disputes, and financial reputation is useful.
4. Whether the group sees this as a potential work item, liaison topic, or
separate complementary specification.

The current draft includes:

- Agent Financial Identity Profile
- AFT Event Envelope
- Financial Event Taxonomy
- Mandate Binding
- Reputation and Credit Model
- Blockchain Anchoring Profile
- Privacy and Selective Disclosure
- Threat Model
- Quantum-Resistant Cryptography Profile
- Decentralized Trust Network Model
- Peer Discovery and Capabilities Model
- JSON schemas, examples, and reference API drafts

The core thesis is:

Agentic payment protocols make it possible for agents to transact. Agent
identity protocols make it possible for agents to prove who they are. AFT
makes it possible to decide whether agents should be financially trusted.

I would appreciate guidance on the best way to present this to the group: a
GitHub issue, mailing list thread, short presentation, or a focused
proposal around the discovery/identity portions first.

Repository: https://github.com/emanueldosreis/AFT
Short pitch / overview: https://github.com/emanueldosreis/AFT
Draft specs: https://github.com/emanueldosreis/AFT

Thank you,
Emanuel