Decision procedure for an agent holding a payment intent that can be settled via multiple protocols: x402, AP2, or MPP.

Decision procedure for an agent holding a payment intent that can be settled via multiple protocols: x402, AP2, or MPP. Covers protocol capability checks against the merchant offer, intent normalization across protocols, cost and latency comparison, scoped-account policy envelope checks (approved intent, policy expiry, spending caps) before routing, a single-routing rule so one intent is never double-settled across protocols, re-quote fallback, and receipt binding to the chosen protocol.