Decision procedure for an agent that must choose which stablecoin to settle a payment intent in when the merchant accept

Decision procedure for an agent that must choose which stablecoin to settle a payment intent in when the merchant accepts several (USDC, USDT, USDGO, and similar). Inputs: accepted denominations per merchant offer, wallet balances per denomination, facilitator and rail fee asymmetry per coin, exchange-rate volatility of non-USD-pegged or weakly-pegged assets, and the principal policy envelope on denomination preference. Outputs one verdict per intent: settle-native (pay in the coin the wallet