Decision procedure for reconciling wallet-layer policy against agent-layer intent when a wallet provider enforces hard s

Decision procedure for reconciling wallet-layer policy against agent-layer intent when a wallet provider enforces hard spend limits and merchant allowlists on agent virtual wallets. Detects three drift classes (HARD_BLOCK when the wallet rejects a legitimate payment, OVER_PERMISSIVE when the wallet allows merchants outside agent intent, BENIGN when intent sits inside wallet bounds), assigns a resolution action per class, sets reconciliation cadence before high-value payments and after policy