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Panel | Consent, Liability and the Audit Trail

When an agent-initiated transaction goes wrong, no one has agreed on who is responsible. That is a production problem, not a theoretical one.

In this panel, Nitin Gaur (Nethermind.io), Armen Ter Avetisyan (Certora), Gene Reda (Mastercard), and Aric Chang (Prototype), moderated by Nate H (Token Dynamics), examine how liability is allocated across agents, operators, platforms, and merchants, and what the audit trail needs to look like before institutions accept agent payment volume.

The discussion covers:
- Who bears liability when an agent-initiated transaction fails or is disputed
- Whether cryptographic proof-of-intent provides sufficient evidentiary weight for authorization disputes
- What counterparties and regulators need from a third-party agent's transaction record before accepting its payment volume

A practical look at what consent, liability, and auditability frameworks need to look like for agentic finance to operate at institutional scale.

Agentic Finance Summit
New York · 3 June 2026

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