| Internet-Draft | Cedulon | August 2026 |
| Dogru | Expires 27 February 2027 | [Page] |
This document defines the Cedulon Protocol, an audit layer for agent-to-agent commerce. Payment rails such as HTTP 402 flows (x402) and mandate protocols (AP2) already move value. They do not, by themselves, produce a fail-closed policy check and a signed spend receipt that a verifier can reconcile against a rail extract. Cedulon specifies a Trade Manifest (signed offer before payment), a Policy Decision Point with default deny, a Spend Receipt (COSE/CWT claim set after a gated payment), epoch checkpoints, and rail-extract reconciliation. The reconciliation shows that no settlement on the extract lacks a receipt and no settled receipt is absent from the extract. That result is unconditional only when the verifier pins the rail key out of band and states the period under audit; otherwise the document requires it to be reported as conditional. It also defines a Dispute Evidence Bundle (evidence, not an award) and optional SCITT anchoring. Cedulon is not a competitor to x402 or AP2; it sits above them.¶
This Internet-Draft is submitted in full conformance with the provisions of BCP 78 and BCP 79.¶
Internet-Drafts are working documents of the Internet Engineering Task Force (IETF). Note that other groups may also distribute working documents as Internet-Drafts. The list of current Internet-Drafts is at https://datatracker.ietf.org/drafts/current/.¶
Internet-Drafts are draft documents valid for a maximum of six months and may be updated, replaced, or obsoleted by other documents at any time. It is inappropriate to use Internet-Drafts as reference material or to cite them other than as "work in progress."¶
This Internet-Draft will expire on 27 February 2027.¶
Copyright (c) 2026 IETF Trust and the persons identified as the document authors. All rights reserved.¶
This document is subject to BCP 78 and the IETF Trust's Legal Provisions Relating to IETF Documents (https://trustee.ietf.org/license-info) in effect on the date of publication of this document. Please review these documents carefully, as they describe your rights and restrictions with respect to this document.¶
Note to Readers: This document is submitted as Informational. The author's eventual intended track, if the work is taken up, is a Standards Track profile of COSE [RFC9052] and CWT [RFC8392] for agent-spend receipts. This -01 does not claim IETF consensus.¶
Agents can now pay. Open HTTP 402 protocols [X402] attach stablecoin settlement to ordinary requests. Card networks and processors issue agent-scoped tokens. Google's Agent Payments Protocol (AP2) [AP2] binds user intent to signed mandates.¶
What is missing is an interoperable audit layer: a machine-checkable answer to "was this spend allowed by policy, against which offer, and what bytes were delivered?" Without that layer, a prompt-injected or looping agent can drain a rail that has already accepted a valid signature. A counterparty can ship the wrong artifact. A transparency log, if used at all, is proprietary.¶
Cedulon fills that gap. It does not clear funds, hold custody, or
operate a payment facilitator. An optional escrow actor is defined only
as a third-party role interface (Section 14.13). Implementations of
this specification MUST NOT take custody of funds or operate escrow
(MUST-T8-custody).¶
The control is an old one. Reconciling an internal ledger against an external statement is what double-entry bookkeeping [PACIOLI] made routine, and signing the artifacts on both sides is Grigg's triple-entry idea [GRIGG]. Neither is claimed here. What this document contributes is an open wire profile for that control in a setting where the parties are software: a COSE receipt shape, an extract shape, a checkpoint chain, and a verification algorithm precise enough that two implementations reach the same finding on the same evidence. The novelty is interoperability, not the idea.¶
Neighbor drafts are complementary, not substitutes.
draft-bates-atp [BATES-ATP] covers tamper-evident causal lineage as
a signed DAG. Cedulon is the completeness layer: a spend that never
produced a receipt is visible when an authenticated rail extract is
reconciled (MUST-T10-1).¶
The key words "MUST", "MUST NOT", "REQUIRED", "SHALL", "SHALL NOT", "SHOULD", "SHOULD NOT", "RECOMMENDED", "NOT RECOMMENDED", "MAY", and "OPTIONAL" in this document are to be interpreted as described in BCP 14 [RFC2119] [RFC8174] when, and only when, they appear in all capitals, as shown here.¶
The following terms are used:¶
A signed statement produced before payment. It binds a description of goods or service, price, currency, acceptance-criteria hash, cancel condition, expiry, and an optional AP2 mandate reference.¶
The function that evaluates a structured spend request against stored policy. The default is deny.¶
A signed statement produced after a gated payment attempt. It
binds payer, payee, amount, currency, policy hash, manifestHash or
an explicit noManifest flag, rail payment reference, timestampMs,
nonce, prevReceiptHash, and outcome.¶
The party that signs Spend Receipts.¶
An optional SCITT Transparency Service [RFC9943] that registers a signed statement and returns a COSE receipt [RFC9942].¶
A package of the Trade Manifest, the Spend Receipt, and a delivery hash. It is evidence for a later human or legal process. It is not an arbitral award and not an escrow release.¶
A portable, single-use PDP allow encoded as COSE_Sign1. The claim
set binds requestHash, policyHash, expiryMs, nonce, and
singleUseId. See Section 7.¶
An authenticated list of settlement records for one account, one rail, and one time window. See Section 8.¶
Cedulon has three control-plane objects and one optional log:¶
Principal --policy--> PDP --allow/deny--> x402/AP2 rail
|
v
Receipt Issuer --> Spend Receipt
|
v
Anchor / SCITT (optional)
¶
The payer agent never talks to the rail except through an adapter that
calls the PDP first (MUST-T5-1).¶
The PDP evaluates structured fields only (MUST-T1-1): amount,
currency, payee, tool identifier, nonce, optional manifest hash, and
evaluation time. It applies limit, velocity, and scope checks
(MUST-T2-1, MUST-T2-2). If the PDP is unreachable, uninitialized,
or throws, the result is deny (MUST-T2-3). Denied attempts do not
increment success counters (MUST-T2-4).¶
An allow produces a Decision Token whose requestHash covers six
fields: amount, currency, payee, tool, nonce, and manifestHash
(MUST-T3-4, MUST-T6-1). The token is a COSE_Sign1 object
(MUST-T6-4), is single-use (MUST-T6-2), and MAY be carried to
the adapter that performs settlement.¶
After the adapter attempts settlement (success or a recorded deny that
still needs an audit trail for an allowed-then-aborted path), the
Receipt Issuer signs a Spend Receipt over a canonical encoding
(MUST-T4-1). Verifiers reject bad signatures and byte mismatch
(MUST-T4-2).¶
Parties MAY register the signed receipt (or a privacy-preserving hash
encoding) as a SCITT Signed Statement [RFC9943] and attach the COSE
receipt (MAY-T4-6). This document does not operate a Transparency
Service.¶
A Trade Manifest is the commerce analogue of a promise: it is issued
before value moves. It is conceptually symmetric to a later Spend
Receipt (promise then proof), and it MAY carry an AP2 mandate hash so
that user intent and the Cedulon offer stay linked (SHOULD-T8-5).¶
A Trade Manifest MUST bind all of the following (MUST-T8-1):¶
goods or service description¶
price (integer minor units, encoded as a decimal string matching
0|[1-9][0-9]*)¶
currency (ISO 4217 alphabetic or a documented token identifier)¶
acceptance-criteria hash (SHA-256 [RFC6234] of the exact delivery bytes or of a declared schema instance)¶
cancel condition (opaque string agreed by the parties)¶
expiry (POSIX milliseconds, expiresAtMs)¶
It MAY include ap2MandateHash. The corresponding CBOR label is
always present; a missing mandate is encoded as CBOR null.¶
The manifest is COSE_Sign1 [RFC9052] over a deterministic CBOR claim
map (Section 6). manifestHash is the SHA-256 of the signed
COSE bytes (MUST-T8-7). A spend bound to a manifest MUST be denied
if the requested amount or currency differs from the manifest
(MUST-T8-2) or if the manifest is expired (MUST-T3-3).¶
A spend that is not bound to a verified manifest MUST be marked
noManifest on the receipt and MUST still pass limit, velocity, and
scope checks (MUST-T1-2). An implementation MAY refuse all
noManifest spend (MAY-T1-4).¶
The Spend Receipt claim set is carried in COSE_Sign1 [RFC9052] wrapping a CWT-compatible map [RFC8392]. New receipts MUST use the COSE profile (Section 6).¶
Claims (MUST-T4-3, MUST-T4-4, MUST-T4-7):¶
| Claim | Description |
|---|---|
| payer | Payer agent identifier |
| payee | Payee identifier |
| amount | Minor units as a decimal string 0|[1-9][0-9]*
|
| currency | Currency identifier |
| policyHash | SHA-256 of the canonical policy document (lowercase hex) |
| manifestHash | SHA-256 of the signed manifest COSE bytes, or null when noManifest is true |
| noManifest | Boolean; MUST be true if and only if manifestHash is null |
| x402PaymentRef | Rail payment reference, or null |
| timestampMs | POSIX milliseconds |
| nonce | Unique spend nonce; at least 128 bits of randomness; unique in the issuer scope |
| prevReceiptHash | Previous receipt hash, or null for the first receipt (SHOULD-T4-5) |
| outcome |
settled or aborted
|
A receipt with outcome = settled MUST have a non-null
x402PaymentRef (MUST-T4-7). An aborted receipt MUST NOT be added
into checkpoint totals.¶
All twelve labels in Section 6.1 are always present. An empty optional value is encoded as CBOR null, never by omitting the label.¶
receiptHash is the SHA-256 of the receipt's signed COSE bytes,
encoded as lowercase hex.¶
Verifiers MUST reject a receipt if the signature fails or if the
decoded claim map does not match the presented claims (MUST-T4-2).¶
A payee MAY attach a countersignature over the issuer's signed
Spend Receipt (MAY-T8-9). The profile uses a detached
COSE_Sign1 [RFC9052] whose payload is a CBOR map with a single
private-use label:¶
| Label | Claim | CBOR type |
|---|---|---|
| -70401 | receiptCose | bstr (exact issuer COSE_Sign1 bytes) |
The countersignature uses the header profile in Section 6
and content type application/cedulon-countersign+cbor.¶
This is a second Sign1 object, not RFC 9052 Countersignature0
(unprotected-header label 11). Countersignature0 would write into
the issuer object and change receiptHash after issue, breaking
the receipt chain. A detached Sign1 keeps the issuer bytes
stable, reuses kid and content-type, and is absent by simply
omitting the sibling object.¶
Absence of a countersignature MUST NOT invalidate the issuer
receipt (MAY-T8-9). If a countersignature is present, a
verifier MUST reject it when the signature fails, when kid or
content type does not match the configured payee key, or when
label -70401 is not the issuer COSE bytes (MUST-T8-8). A
Dispute Evidence Bundle that includes a verified countersignature
has stronger evidence that the payee accepted those bytes; the
bundle is still not an award (MUST-T8-4).¶
This profile uses deterministic CBOR [RFC8949] Section 4.2.1
(definite lengths, shortest integer form, map keys sorted in
bytewise lexicographic order of their encoded keys).
Implementations MUST encode only the types used by Cedulon claim maps:
null, bool, unsigned and negative integers, UTF-8 text, byte strings,
arrays, and maps (MUST-T4-1).¶
Registered CWT claims [RFC8392] are not required in -01. Cedulon uses CWT private-use integer labels less than -65536 so that the profile does not occupy the 100-110 registry range.¶
Receipt labels (MUST-T4-3, MUST-T4-4, MUST-T4-7):¶
| Label | Claim | CBOR type |
|---|---|---|
| -70001 | payer | tstr |
| -70002 | payee | tstr |
| -70003 | amount | tstr |
| -70004 | currency | tstr |
| -70005 | policyHash | tstr (lowercase hex SHA-256) |
| -70006 | manifestHash | tstr / null |
| -70007 | noManifest | bool |
| -70008 | x402PaymentRef | tstr / null |
| -70009 | timestampMs | uint |
| -70010 | nonce | tstr |
| -70011 | prevReceiptHash | tstr / null |
| -70012 | outcome | tstr (settled / aborted) |
Checkpoint labels (MUST-T11-1):¶
| Label | Claim | CBOR type |
|---|---|---|
| -70101 | epoch | uint |
| -70102 | startMs | uint |
| -70103 | endMs | uint |
| -70104 | receiptCount | uint |
| -70105 | chainHeadHash | tstr / null |
| -70106 | totals | map tstr -> tstr |
| -70107 | prevCheckpointHash | tstr / null |
Manifest labels (MUST-T8-1):¶
| Label | Claim | CBOR type |
|---|---|---|
| -70201 | description | tstr |
| -70202 | amount | tstr |
| -70203 | currency | tstr |
| -70204 | acceptanceCriteriaHash | tstr |
| -70205 | cancelCondition | tstr |
| -70206 | expiresAtMs | uint |
| -70207 | ap2MandateHash | tstr / null |
Decision Token labels (MUST-T6-4):¶
| Label | Claim | CBOR type |
|---|---|---|
| -70301 | requestHash | tstr |
| -70302 | policyHash | tstr (lowercase hex SHA-256) |
| -70303 | expiryMs | uint |
| -70304 | nonce | tstr |
| -70305 | singleUseId | tstr |
The protected header MUST be a deterministic CBOR map containing
(MUST-T4-1, MUST-T4-8):¶
1 (alg) = -19 (Ed25519, [RFC9864]; the generic EdDSA value
-8 from [RFC9053] is deprecated for this profile)¶
3 (content type) = a tstr that distinguishes the payload:
application/cedulon-receipt+cbor,
application/cedulon-checkpoint+cbor,
application/cedulon-manifest+cbor,
application/cedulon-decision+cbor, or
application/cedulon-countersign+cbor¶
4 (kid) = bstr, mandatory. The profile computes kid as the
first eight bytes of SHA-256 over the issuer's SubjectPublicKeyInfo
DER. A verifier MUST obtain the public key from an authenticated
channel (preconfigured issuer set, directory, or transparency
statement) and MUST reject a message whose kid does not match
that key.¶
The unprotected header MUST be empty. The payload MUST be the CBOR
encoding of the claim map. The signature is Ed25519 [RFC8032] over
the COSE Sig_structure
["Signature1", protected, h'', payload].¶
A Decision Token is the portable encoding of a PDP allow. It is
COSE_Sign1 with the header profile in Section 6 and the
labels in Section 6.1. All five labels are always present
(MUST-T6-4).¶
requestHash MUST be the six-field hash defined for the PDP
(MUST-T6-1). policyHash MUST be the SHA-256 of the canonical
policy document the PDP evaluated. expiryMs is a Unix time in
milliseconds after which the token MUST be treated as expired
(SHOULD-T6-3). nonce is the request nonce. singleUseId is
the identifier consumed on the first settlement attempt
(MUST-T6-2).¶
A party that accepts a Decision Token MUST reject it if the
signature fails, if kid does not match a configured PDP key, if
the content type is not application/cedulon-decision+cbor, if
the decoded claim map does not match the presented claims, or if
expiryMs is in the past (MUST-T6-5).¶
A verifier checks completeness against a rail extract, not against
the issuer's own receipts alone (MUST-T10-7).¶
Each settlement record MUST contain:¶
| Field | Type |
|---|---|
| ref | tstr (rail payment reference) |
| amount | tstr matching 0|[1-9][0-9]*
|
| currency | tstr |
| timestampMs | uint |
An extract is scoped to one account identifier, one rail identifier,
and one half-open time window [windowStartMs, windowEndMs).¶
The mock rail in the companion implementation signs the extract with
Ed25519 over a canonical encoding of the scoped body. A verifier MUST
obtain the extract from the rail or from a signature the rail
published (MUST-T10-7). A deployment that cannot do so is running
the reconciliation against evidence it did not obtain independently,
and MUST report the guarantee as conditional.¶
A signature on an extract proves internal consistency, not origin: a
key generated by whoever produced the object verifies against itself.
The verifier therefore MUST obtain the rail's public key out of band
and MUST verify the extract signature against that key rather than
against any key the extract carries (MUST-T10-8). A verifier that
holds no such key MUST treat the guarantee as conditional.¶
Keys are compared as bytes. A verifier MUST compare the pinned key
and the key that signed the extract by their SubjectPublicKeyInfo
DER encoding, not by any text encoding of it, so that the same key
presented in a different envelope still compares equal
(MUST-T10-9). A pinned key the verifier cannot decode is a fault in
the verifier's own configuration, not evidence about the extract, and
MUST be reported as trust-key-unreadable rather than as a key
mismatch.¶
What a verifier emits for an extract it cannot authenticate depends on
whether it stated an expectation. With no pinned key the verifier has
asserted nothing, so an extract that does not carry a verifiable
signature is unauthenticated-extract, a warning: completeness
findings may still be computed, but the guarantee is conditional
on the extract being authentic. With a pinned key the verifier has
asserted what it requires, and an extract that fails to meet it is a
failure rather than a caveat; see the verification algorithm for which
finding applies. -00 defined only the first case, and readers of -00
should note that this revision makes the pinned case fail closed.
See Section 14.¶
An extract declares a window and carries settlement records. The two
MUST agree: a verifier MUST report every settlement record whose
timestampMs falls outside [windowStartMs, windowEndMs) as
extract-scope-mismatch, identified by that record's ref
(MUST-T10-10). This check is about the extract's internal
consistency and MUST be performed whether or not a rail key is
pinned.¶
A verifier that knows which account, rail, and window it is auditing
MUST also check the extract against that expectation and MUST fail
closed when the extract does not cover it (MUST-T10-11). An extract
for another account or rail, or one whose window does not span the
period under audit, cannot support a completeness claim about that
period.¶
A verifier that states no period leaves the extract free to define
one, and an extract that reports on a millisecond balances as easily
as one that reports on a month. Pinning a key establishes who signed;
only a stated period establishes what the signature had to cover. A
verifier that has not stated the period under audit therefore MUST
emit unstated-audit-window and MUST treat the guarantee as
conditional (MUST-T10-15), whatever else verifies.¶
Completeness is the property that, given an authenticated rail
extract, every settlement in the extract has a matching settled Spend
Receipt, every settled receipt has a matching settlement, receipt and
checkpoint hash chains verify, and checkpoint totals equal the sum of
settled receipts in the checkpoint window. If a spend occurred
without a receipt, the missing receipt is itself the evidence
(MUST-T10-2).¶
An epoch checkpoint MUST be COSE_Sign1-signed with the header profile
in Section 6 and MUST bind all of the following
(MUST-T11-1):¶
epoch, startMs, endMs, receiptCount, chainHeadHash,
totals, and prevCheckpointHash.¶
The checkpoint window is half-open [startMs, endMs)
(MUST-T11-7). receiptCount MUST equal the number of receipts
(settled and aborted) whose timestampMs falls in that window.
chainHeadHash MUST equal receiptHash of the last receipt in that
window, or null if the window is empty (MUST-T11-2). totals
MUST sum only receipts with outcome = settled.¶
The first checkpoint in a presented chain is the genesis checkpoint
of that chain. Its prevCheckpointHash MUST be null. Epoch numbers
MUST be consecutive integers. Adjacent windows MUST satisfy
next.startMs = prev.endMs (MUST-T11-8).¶
A later checkpoint that omits a prefix of earlier epochs (prefix
deletion) is detectable only if an external witness (transparency
log) has recorded the missing prefix (MUST-T11-9). Without that
witness, T11 guarantees about suppression are conditional.¶
A verifier MUST perform all of these steps and MUST report every
finding they produce (MUST-T10-1, MUST-T11-2). They are numbered
for reference, not to require an evaluation order: no step
short-circuits another, and an implementation may evaluate them in any
order that produces the same set of findings.¶
When a step names an identifier in backticks, that identifier
SHOULD be used for the condition in diagnostic output. The
normative requirement is the behaviour: report the condition,
identified by the ref or other handle given in the step. The
identifiers are not an interoperability surface.¶
Establish the subject of the audit. When an extract is supplied,
the settlement records it carries are the ones reconciled; a
settlement list from any other source MUST NOT be substituted for
them (MUST-T10-12). If the caller supplies both and they differ,
the verifier MUST report that the caller-supplied list disagrees
with the extract, and MUST still reconcile the extract. The
identifier extract-settlement-mismatch SHOULD be used for this
condition in diagnostic output.¶
Verify the extract signature against the out-of-band rail key
(MUST-T10-8, MUST-T10-9). If no key is pinned, the verifier
MUST treat the completeness guarantee as conditional
(MUST-T10-7). The identifier unauthenticated-extract SHOULD
be used for this condition in diagnostic output. If a key is
pinned and cannot be decoded, the verifier MUST report that the
pinned key is unreadable. The identifier trust-key-unreadable
SHOULD be used for this condition. If a key is pinned and the
signature does not verify against it, or verifies against a
different key, the verifier MUST report that the extract is not
signed by the pinned key. The identifier extract-key-mismatch
SHOULD be used for this condition. A finding that puts the
extract itself in doubt MUST prevent an unconditional guarantee.¶
Check scope. The verifier MUST report each settlement record
whose timestampMs falls outside the declared window, identified
by that record's ref (MUST-T10-10). When the verifier states
an expected account, rail, or window, it MUST report an extract
that does not cover it (MUST-T10-11). The identifier
extract-scope-mismatch SHOULD be used for both conditions. If
the verifier stated no period, it MUST treat the guarantee as
conditional (MUST-T10-15). The identifier
unstated-audit-window SHOULD be used for this condition.¶
Decode each Spend Receipt COSE_Sign1. Reject if Ed25519 verify
fails, if kid does not match the configured issuer key, if the
content type is not the receipt type, or if the decoded claim map
does not match the presented claims (MUST-T4-2, MUST-T4-8).¶
Scope the receipts. When an extract is supplied, only receipts whose
timestampMs falls in the extract's declared window are reconciled
against it (MUST-T10-16). A receipt outside that window is not a
completeness failure against this extract; auditing a longer period
requires extracts that cover it. Receipts remain subject to every
other check regardless of window.¶
Walk receipts in issuer order. The first prevReceiptHash MUST
be null. Each later prevReceiptHash MUST equal receiptHash of
the previous receipt. A miss MUST be reported as a break in the
receipt chain. The identifier receipt-chain-break SHOULD be
used for this condition.¶
Index settled receipts and extract records by ref. A ref
that appears more than once on either side MUST be reported as a
repeated reference (MUST-T10-6). The identifier duplicate-ref
SHOULD be used for this condition.¶
For each ref that appears exactly once on each side, require a
one-to-one match on ref AND amount AND currency
(MUST-T10-1). Amount or currency mismatch MUST be reported as
a settlement that does not match its receipt, identified by that
ref. The identifier settlement-mismatch SHOULD be used for
this condition. A settlement with no receipt MUST be reported as
lacking a receipt, identified by its ref (MUST-T10-2). The
identifier settlement-without-receipt SHOULD be used for this
condition. A settled receipt with no extract row MUST be reported
as a completeness failure (MUST-T10-3). The identifier
receipt-without-settlement SHOULD be used for this condition.
A settled receipt with a null rail ref MUST be reported as
settled without a rail reference. The identifier
settled-without-ref SHOULD be used for this condition.¶
A ref already reported as repeating MUST still be reconciled
by amount rather than dropped from the comparison
(MUST-T10-13). For each currency under that ref, compare the
total settled against the total receipted. A settled total that
exceeds the receipted total MUST be reported as a settlement
lacking a receipt, and the finding MUST state the unaccounted
amount. The identifier settlement-without-receipt SHOULD be
used for this condition. A settled total that is less than the
receipted total MUST be reported as a settlement that does not
match its receipt, identified by that ref. The identifier
settlement-mismatch SHOULD be used for this condition. An
amount on that repeating ref that cannot be parsed as an
integer MUST be reported without abandoning the audit; the
identifier malformed-amount SHOULD be used for this condition.
A verifier MUST still report findings for the remaining records.¶
Aborted receipts are not matched to extract rows and are not added to totals.¶
Decode each checkpoint. Reject a failed signature. Require
receiptCount, chainHeadHash, and totals to match the
receipts in [startMs, endMs) as defined above
(MUST-T11-2).¶
Every chained receipt MUST fall in exactly one checkpoint
window. A gap or double count MUST be reported as a window
coverage failure (MUST-T11-7, MUST-T11-8). The identifier
window-coverage SHOULD be used for this condition.¶
Walk checkpoints in epoch order. prevCheckpointHash MUST
equal the SHA-256 of the previous checkpoint COSE bytes, or null
for genesis (MUST-T11-4).¶
If two successfully verified checkpoints share an epoch number
and have different hashes, the verifier MUST report
equivocation (MUST-T11-3). The identifier equivocation
SHOULD be used for this condition.¶
If any finding remains that is not a warning (a warning is a
condition that only makes the completeness guarantee
conditional), the audit MUST fail (MUST-T10-4).¶
The identifiers below are for diagnostic output. They are not an interoperability surface. A finding object that can be carried on the wire is outside the scope of this document and may be defined later. Two implementations interoperate when they accept the same inputs and fail or warn on the same conditions, not when they print the same strings.¶
A condition that makes the audit fail is a finding. A condition
that only makes the completeness guarantee conditional is a
warning. Warnings MUST still appear in operator-facing output
(MUST-T10-14).¶
| Code | Effect | Meaning |
|---|---|---|
| settlement-without-receipt | audit fails | Extract row has no matching settled receipt, or a repeating ref settled more than it receipted |
| receipt-without-settlement | audit fails | Settled receipt ref is not on the extract |
| settlement-mismatch | audit fails | Same ref, different amount or currency, including a repeating ref that settled less than it receipted |
| duplicate-ref | audit fails | Ref appears more than once on one side |
| settled-without-ref | audit fails |
outcome is settled and x402PaymentRef is null |
| receipt-chain-break | audit fails | Signature or prevReceiptHash failed |
| checkpoint-total-mismatch | audit fails | Totals, count, signature, or checkpoint chain failed |
| checkpoint-head-mismatch | audit fails |
chainHeadHash is not the last in-window receipt |
| equivocation | audit fails | Two distinct hashes for one epoch |
| window-coverage | audit fails | Gap, overlap, or non-adjacent / non-consecutive windows |
| unauthenticated-extract | guarantee conditional | No pinned rail key, or the extract has no verifiable signature |
| extract-key-mismatch | audit fails | Extract is signed by a key other than the pinned rail key, or does not verify against it |
| trust-key-unreadable | audit fails | The pinned rail key could not be decoded; the verifier's configuration is at fault |
| extract-scope-mismatch | audit fails | A record falls outside the declared window, or the extract does not cover the expected account, rail, or window |
| extract-settlement-mismatch | audit fails | A caller-supplied settlement list disagrees with the extract; the extract is authoritative |
| malformed-amount | audit fails | An amount on a ref already reported as repeating that could not be parsed as an integer |
| unstated-audit-window | guarantee conditional | The verifier stated no period, so the extract defined its own |
| countersign-bad | audit fails | Present payee countersignature failed verify |
A finding that puts the extract itself in doubt (extract-key-mismatch,
trust-key-unreadable, extract-scope-mismatch, or
extract-settlement-mismatch) MUST also prevent an unconditional
guarantee, not merely fail the audit.¶
An unconditional guarantee therefore requires all of: an extract, a pinned rail key the extract's signature verifies against, a stated period the extract covers, and no finding that puts the extract in doubt. Anything less is conditional, and the report MUST say so.¶
An implementation MUST make the guarantee and any warnings visible in
whatever human-readable audit report it produces under this document,
not only in a returned structure (MUST-T10-14). A report that says the books balance while withholding
that the balance is conditional invites the reader to take a
conditional result for an unconditional one.¶
Checkpoints SHOULD be registered with a Transparency Service
(SHOULD-T11-5). A test deployment MAY use an in-process
append-only log as the witness (MAY-T11-6). Cedulon still MUST NOT take custody.¶
Manifest. Parties sign a Trade Manifest (optional for metered API spend; required for goods with acceptance criteria).¶
Policy check. The adapter submits a structured request to the
PDP. Default is deny. An allow is a Decision Token
(MUST-T6-4).¶
Payment. On allow, the adapter performs the x402 (or other
rail) exchange using exactly the decision fields (MUST-T6-1).
The Decision Token is consumed (MUST-T6-2). A reused nonce is
denied (MUST-T3-1, MUST-T3-2). A tampered or expired token
is denied (MUST-T6-5).¶
Receipt. The Receipt Issuer signs a Spend Receipt. Rail
credentials MUST NOT appear in the receipt, logs, or tool
results (MUST-T5-2, MUST-T7-1).¶
Dispute Evidence Bundle. If delivery bytes do not match the
acceptance-criteria hash, an implementation MUST be able to emit
a bundle of manifest + receipt + delivery hash (MUST-T8-3).
The bundle MUST NOT be described as an arbitral award or escrow
release (MUST-T8-4).¶
Policy is default deny. The engine understands three families of rule:¶
Limit: maximum amount per payment; maximum cumulative amount
per window (MUST-T2-2).¶
Velocity: maximum number of allowed payments per window
(MUST-T2-1).¶
Scope: optional allow-lists for payee, currency, and tool name.¶
Fail-closed: missing engine, crash, or exception yields deny
(MUST-T2-3). Implementations SHOULD emit stable reason codes
(SHOULD-T2-5). Decision tokens SHOULD expire after a short TTL
(SHOULD-T6-3).¶
The agent-facing spend interface MUST invoke the PDP and MUST NOT
expose a parallel ungated rail call to the model (MUST-T5-1).¶
A Receipt Issuer or relying party MAY construct a SCITT Signed Statement whose payload is either the Spend Receipt COSE object or a privacy profile (Section 13) and register it with a Transparency Service [RFC9943]. The service returns a COSE receipt [RFC9942]. Embedding that receipt yields a Transparent Statement. Cedulon does not define a new transparency algorithm.¶
A public transparency encoding MUST support omitting or hashing
payer and payee identifiers and MUST support amount redaction or
bucket encoding (MUST-T9-1). Implementations MUST NOT write
government-ID numbers, payment-instrument PAN, or street address
into a public statement (MUST-T9-2). Default public anchors
SHOULD publish policyHash, manifestHash, receiptHash, and
timestampMs rather than full claims (SHOULD-T9-3). A private
auditor MAY receive an unredacted receipt out of band
(MAY-T9-4).¶
This section is authoritative for the protocol requirements in this
document. The companion repository file THREAT_MODEL.md is
informative and MUST NOT be read as overriding this section.¶
Requirement identifiers take the form KEYWORD-Tn-k, where KEYWORD is MUST, SHOULD, or MAY, n is the threat number in this section, and k is a sequence number within that threat. MUST-T8-custody is the custody prohibition under T8. The tables below define the requirement text those citations refer to.¶
| ID | Requirement |
|---|---|
| MUST-T2-1 | Policy MUST express a maximum payment count per configured time window (velocity). |
| MUST-T2-2 | Policy MUST express a maximum amount per payment and a maximum cumulative amount per window. |
| MUST-T2-3 | If the PDP is unreachable, uninitialized, or throws during evaluation, the spend MUST be denied (fail-closed, default deny). |
| MUST-T2-4 | A denied attempt MUST NOT increment the allowed-spend counters as if it had succeeded. |
| SHOULD-T2-5 | Implementations SHOULD emit a stable reason code for velocity and limit denials. |
| ID | Requirement |
|---|---|
| MUST-T4-1 | A Spend Receipt MUST be signed by the Receipt Issuer over a canonical encoding of its claims. |
| MUST-T4-2 | Verifiers MUST reject a receipt whose signature does not validate or whose canonical bytes do not match the signed payload. |
| MUST-T4-3 | A Spend Receipt MUST include payer, payee, amount, currency, policyHash, timestampMs, and nonce. |
| MUST-T4-4 | A Spend Receipt MUST include manifestHash or an explicit noManifest flag, never an ambiguous empty hash. Empty optional values are CBOR null; labels are never absent. |
| SHOULD-T4-5 | Receipts SHOULD form a hash chain (prevReceiptHash) so omission is detectable within one issuer stream. |
| MAY-T4-6 | Parties MAY register the signed receipt as a SCITT statement to obtain a COSE receipt. |
| MUST-T4-7 | A Spend Receipt MUST include outcome (settled or aborted). A settled receipt MUST have a non-null rail ref. Aborted receipts MUST NOT enter checkpoint totals. |
| MUST-T4-8 | COSE_Sign1 protected headers MUST use alg -19 (Ed25519), a mandatory kid, and a payload-specific content type. Verifiers MUST reject a kid that does not match the configured issuer key. |
| ID | Requirement |
|---|---|
| MUST-T5-1 | The agent-facing spend interface MUST invoke the PDP and MUST NOT expose a parallel ungated rail call to the model. |
| MUST-T5-2 | Rail credentials, wallet handles, and facilitator tokens MUST NOT be placed in tool results or prompts. |
| SHOULD-T5-3 | Hosts SHOULD run the PDP and signing keys in a process the model runtime cannot write. |
| MAY-T5-4 | A deployment MAY use OS or hardware isolation between the model and the PDP. |
| ID | Requirement |
|---|---|
| MUST-T6-1 | Payment settlement MUST use the same six requestHash fields the PDP evaluated: amount, currency, payee, tool, nonce, and manifestHash. |
| MUST-T6-2 | An allow decision MUST be consumed on the first settlement attempt, success or fail-closed abort, and MUST NOT authorize a later different request. |
| SHOULD-T6-3 | Implementations SHOULD treat a decision older than a short TTL as expired. |
| MUST-T6-4 | An allow Decision Token MUST be COSE_Sign1 with CWT private-use labels -70301..-70305 (requestHash, policyHash, expiryMs, nonce, singleUseId) and content type application/cedulon-decision+cbor. |
| MUST-T6-5 | A party that accepts a Decision Token MUST reject a failed signature, a kid or content-type mismatch, a claim-map mismatch, or an expired expiryMs. |
| ID | Requirement |
|---|---|
| MUST-T7-1 | Secret key material MUST NOT appear in receipts, manifests, logs, or example output. |
| MUST-T7-2 | Example and test keys MUST be generated at runtime or stored as clearly fake fixtures, never as production secrets. |
| SHOULD-T7-3 | Production deployments SHOULD use an HSM or OS key store and SHOULD rotate keys. |
| MAY-T7-4 | Implementations MAY encrypt keys at rest. |
| ID | Requirement |
|---|---|
| MUST-T8-1 | A Trade Manifest MUST bind goods or service description, price, currency, acceptance-criteria hash, cancel condition, and expiry. |
| MUST-T8-2 | A spend bound to a manifest MUST be denied if the requested amount or currency differs from the manifest. |
| MUST-T8-3 | If delivery bytes do not hash to the acceptance-criteria hash, the implementation MUST be able to produce a Dispute Evidence Bundle containing the manifest, the spend receipt, and the delivery hash. |
| MUST-T8-4 | The Dispute Evidence Bundle MUST NOT be described as an arbitral award or escrow release. |
| MUST-T8-7 |
manifestHash MUST be the SHA-256 of the signed Trade Manifest COSE bytes and MUST NOT include the issuer public key encoding. |
| SHOULD-T8-5 | Manifests SHOULD reference an AP2 mandate hash when one exists. |
| MAY-T8-6 | Parties MAY add an optional escrow actor as a third-party role interface; this project MUST NOT implement custody. |
| MUST-T8-custody | Implementations of this specification MUST NOT take custody of funds or operate escrow. |
| MUST-T8-8 | If a payee countersignature is present, a verifier MUST reject it when the signature fails, when kid or content type does not match the configured payee key, or when the payload is not the issuer COSE_Sign1 bytes. |
| MAY-T8-9 | A payee MAY attach a detached COSE_Sign1 countersignature over the issuer receipt bytes. Absence MUST NOT invalidate the issuer receipt. |
Implementations of this specification MUST NOT take custody of funds or operate escrow. See also Section 14.13.¶
See also Section 13.¶
| ID | Requirement |
|---|---|
| MUST-T9-1 | A transparency encoding MUST support omitting or hashing payer/payee identifiers and MUST support amount redaction or range/bucket encoding. |
| MUST-T9-2 | Implementations MUST NOT write raw government-ID, payment-instrument PAN, or street address fields into a public transparency statement. |
| SHOULD-T9-3 | Default public anchors SHOULD publish policyHash, manifestHash, receiptHash, and timestamp rather than full claim sets. |
| MAY-T9-4 | A private auditor MAY receive an unredacted receipt out of band. |
| ID | Requirement |
|---|---|
| MUST-T10-1 | A verifier MUST match each extract settlement to a settled receipt on ref AND amount AND currency. |
| MUST-T10-2 | A settlement with no matching receipt MUST be reported as a completeness failure identified by that settlement ref. |
| MUST-T10-3 | A settled Spend Receipt whose x402PaymentRef is not on the extract MUST be reported as a completeness failure. |
| MUST-T10-4 | An audit that has any fail-severity completeness finding MUST fail (non-zero status in the companion tool). |
| SHOULD-T10-5 | Hosts SHOULD still apply T5 (no ungated rail in the model process). Completeness does not replace prevention. |
| MUST-T10-6 | A ref that appears more than once among settled receipts or among extract rows MUST be reported as duplicate-ref. |
| MUST-T10-7 | A verifier MUST obtain the extract from the rail or from a rail signature. With no pinned rail key, an unverifiable extract MUST be reported as unauthenticated-extract and makes the completeness guarantee conditional. With a pinned key, see MUST-T10-8: the extract MUST fail closed rather than warn. |
| MUST-T10-8 | A verifier MUST obtain the rail public key out of band and MUST verify the extract signature against that key, not against a key the extract carries. Without such a key the guarantee is conditional. |
| MUST-T10-9 | Keys MUST be compared by SubjectPublicKeyInfo DER encoding rather than by any text encoding. A pinned key that cannot be decoded MUST be reported as trust-key-unreadable, not as a key mismatch. |
| MUST-T10-10 | Every settlement record whose timestampMs falls outside the extract's declared window MUST be reported as extract-scope-mismatch, identified by that record's ref. This check MUST run whether or not a key is pinned. |
| MUST-T10-11 | When the verifier states an expected account, rail, or window, an extract that does not cover it MUST fail closed as extract-scope-mismatch. |
| MUST-T10-12 | When an extract is supplied, the records it carries are the subject of reconciliation. A settlement list from another source MUST NOT be substituted; a disagreeing list MUST be reported as extract-settlement-mismatch. |
| MUST-T10-13 | A ref reported as duplicate-ref MUST still be reconciled by aggregate amount per currency, and a shortfall MUST state the unaccounted amount. An unparseable amount MUST be reported as malformed-amount without aborting the audit. |
| MUST-T10-14 | An implementation MUST surface the guarantee and any warnings in any human-readable audit report it produces, not only in a returned structure. |
| MUST-T10-15 | A verifier that has not stated the period under audit MUST emit unstated-audit-window and MUST treat the guarantee as conditional, because an unstated period leaves the extract free to define its own. |
| MUST-T10-16 | When an extract is supplied, only receipts whose timestampMs falls in its declared window are reconciled against it. A receipt outside that window MUST NOT be reported as a completeness failure against that extract. |
In MUST-T10-4, a completeness finding that makes the audit fail is distinct from a warning that only makes the guarantee conditional. The verification algorithm states that distinction by behaviour (Section 9).¶
| ID | Requirement |
|---|---|
| MUST-T11-1 | An epoch checkpoint MUST be COSE-signed and MUST bind epoch number, time window, receipt count, chain-head hash, per-currency totals, and the previous checkpoint hash. |
| MUST-T11-2 | Verifiers MUST reject a checkpoint whose signature fails, whose totals do not match settled receipts in the declared window, whose receiptCount is wrong, or whose chainHeadHash is not the last in-window receipt hash. |
| MUST-T11-3 | Two verified checkpoints for the same epoch with different hashes MUST be reported as equivocation. |
| MUST-T11-4 | A broken checkpoint hash chain MUST fail verification. |
| SHOULD-T11-5 | Checkpoints SHOULD be registered with a Transparency Service when one is configured. |
| MAY-T11-6 | A test deployment MAY use an in-process append-only log as the witness. |
| MUST-T11-7 | Checkpoint windows MUST be half-open [startMs, endMs). Every chained receipt MUST fall in exactly one window. |
| MUST-T11-8 | Presented checkpoint epochs MUST be consecutive and adjacent windows MUST meet at endMs = next.startMs. |
| MUST-T11-9 | Prefix-deletion and suppression claims that go beyond the presented chain are conditional on an external transparency witness. |
A Receipt Issuer that also produces the only copy of the extract can omit settlements. Completeness holds only against an extract the verifier obtained from the rail or from a rail signature.¶
kid identifies the verification key. This -01 does not specify
a revocation list. Verifiers MUST pin the issuer keys they
accept and MUST stop accepting a kid after an authenticated
revocation signal.¶
timestampMs is issuer-asserted. Window assignment uses that
field. A lying issuer can slide a receipt between windows.
External timestamping or a transparency log is out of scope for
-01.¶
If the rail operator and the issuer collude, they can publish a matching extract and receipt set that hides a real-world settlement. Cedulon does not detect extract-external agreement.¶
State machines for reversal, refund, and partial settlement are out of scope for this revision.¶
Parties MAY name an escrow actor in a Trade Manifest as a
third-party role that holds funds under rules outside this protocol
(MAY-T8-6). Implementations of this specification MUST NOT take
custody or operate escrow (MUST-T8-custody).¶
CWT claim labels need no assignment: this profile uses private-use integer labels below -65536.¶
Media types do. This document defines five and makes their values a
normative check inside a protected COSE header (MUST-T4-8,
MUST-T6-5), so they cannot stay unregistered while that check stands.
If this work is taken up, the following should be registered in the
Standards Tree per [RFC6838]:¶
| Media type | Carries |
|---|---|
| application/cedulon-receipt+cbor | Spend Receipt claim set |
| application/cedulon-checkpoint+cbor | Epoch checkpoint claim set |
| application/cedulon-manifest+cbor | Trade Manifest claim set |
| application/cedulon-decision+cbor | Decision Token claim set |
| application/cedulon-countersign+cbor | Payee countersignature |
For each: encoding is binary CBOR [RFC8949]; security considerations are those in Section 14; the change controller would be the IETF; the contact is the author of this document. Until registration, an implementation outside a closed deployment should expect these names to change, and readers should treat them as placeholders rather than as stable identifiers.¶
This section is to be removed before publishing as an RFC.¶
A companion implementation with a runnable verification suite at https://github.com/dogrucanemek-alt/cedulon. The code is a profile of this document, not a second specification. This -01 is not an IETF working-group item.¶
Research code by a single implementer. Interoperability with an independent implementation has not been demonstrated; no second implementation is known to the author.¶
The receipt, checkpoint, extract, reconciliation, and verification algorithm are implemented. Every requirement added in this revision is implemented and covered by a red-then-green case before appearing in this text. The escrow role, reversal, refund, and partial settlement are not implemented.¶
Apache-2.0.¶
The author of this document.¶
Two independent readers ran an earlier revision and reported defects, one of which was a bypass of the completeness claim. Both are fixed and the fixes are recorded in the repository. That review is the reason for most of this revision.¶
Note on distribution: the requirements in this document are implemented
in the @cedulon packages at version 0.2.0 on npm, and in the
repository at the commit named in the release notes. Package versions
before 0.2.0 predate these requirements, so a reader checking a claim
against an installed package should confirm the version first.¶
Two independent readers ran the -00 implementation and reported
defects. One was a bypass of the completeness claim: the
implementation verified an extract and then reconciled a separate
settlement list, so a validly signed extract could carry an off-book
settlement while the caller supplied an empty list, and the audit
reported balanced books. That was the implementation contradicting
-00, which already required reconciling against the extract; this
revision states the requirement in the verification algorithm so it
cannot be read as optional (MUST-T10-12).¶
The second was a gap in this document rather than in the code. -00
required an authenticated extract but never said which key the
signature is checked against, so an implementation could satisfy the
text while verifying a signature against a key the extract itself
carried. Such a key verifies against itself. -01 requires the rail key
out of band and compares keys as DER (MUST-T10-8, MUST-T10-9).¶
The remaining changes close narrower holes found while repairing those
two: an extract whose declared window disagrees with the records it
carries (MUST-T10-10), an extract that does not cover the period
under audit (MUST-T10-11), a repeated ref dropping out of the
comparison and hiding the unaccounted amount (MUST-T10-13), and a
report that states a balance in operator-facing output while
withholding that the balance is conditional (MUST-T10-14).¶
Three changes are not repairs and are recorded here so a reader of -00 is not surprised:¶
A failed extract signature was a warning in -00 and stays one when no key is pinned. Once a key is pinned it now fails the audit. -00 did not contemplate a pinned key, so this is new behaviour rather than a clarification.¶
Requiring that a disagreeing caller-supplied list be reported as
extract-settlement-mismatch is new normative content. -00 required
reconciling the extract; it did not require saying anything about a
list that contradicted it.¶
-00 said reversal, refund, and partial settlement were "expected in -01", and said reserved extensions belonged in "-01 or -02". Neither arrived in this revision. They are now stated as out of scope for this revision and expected later, with no date.¶
The reporters are named in the Acknowledgments.¶
This section is a direction, not a commitment. The structures below are reserved in name only. Normative wire formats, tests, and threat-model MUST lines for them belong in later revisions (-02 or -03), written with the same discipline as this -01.¶
Algorithms retire. A Spend Receipt or checkpoint signed under
Ed25519 today may need a later verifier that no longer accepts
-19. A companion seed [REATTEST] sketches re-attestation:
register the original COSE bytes as a SCITT Signed Statement and
have a current algorithm countersign or receipt them. The
principle is that structures outlive ciphers. The first concrete
example is the profile's own move from generic EdDSA (-8) to
Ed25519 (-19) in [RFC9864].¶
Epoch checkpoints in this document are batch windows. A later revision (-02) may define a continuous, second-scale profile [STREAMING] in which the same completeness relation is evaluated as settlements arrive, without waiting for an epoch close. That work does not change the matching rules in this document.¶
Payment is the special case that this -01 implements. The same completeness calculus (an authenticated extract of consumed units reconciled to signed receipts) can apply to other consumable resources such as compute, data, or energy. This document does not specify those profiles.¶
x402 [X402] uses HTTP 402 [RFC9110] to negotiate stablecoin payment. AP2 [AP2] uses signed mandates as verifiable credentials. Cedulon does not replace either protocol. Profiles built on HTTP Message Signatures [RFC9421] authenticate bots; they are not a spend receipt. draft-bates-atp [BATES-ATP] is a lineage neighbor. It does not define rail-extract completeness.¶
draft-vauban-x402-stark-receipts [VAUBAN] specifies complementary x402 receipt-format variants that a Cedulon Spend Receipt MAY carry as a rail proof; it does not define rail-extract completeness. draft-schrock-ep-outcome-binding [SCHROCK] compares authorized action bytes to independently observed effects; it does not define rail-extract completeness. draft-marques-asqav-compliance-receipts [MARQUES] profiles access-control action receipts (the broader Acta family includes [ACTA]); it does not define rail-extract completeness. draft-hopley-x402-compliance-receipt [HOPLEY] records an admission-time compliance decision; it does not define rail-extract completeness.¶
Iman Schrock and Pablo Play ran the -00 implementation against the pinned commit and reported the defects that produced this revision. Iman Schrock found the two extract-binding defects, proposed the repair this document adopts, and is also the author of [SCHROCK], cited here as adjacent work. Pablo Play found that a repeated reference hid the unaccounted amount, and filed a written reproduction. Neither reviewed this text, and any error in it is the author's.¶
Field survey notes and the informative threat-model narrative in the companion repository helped shape the requirement identifiers used here. Those identifiers are defined in Section 14.¶
These vectors use RFC 8032 Ed25519 secret scalar #1 (fixture only; never a production key). Hex is lowercase. They MUST match the locked tests in the companion implementation.¶
Receipt COSE_Sign1:¶
Claims: payer=payer-1, payee=payee-1, amount=1,
currency=USD, policyHash=aa, manifestHash=null,
noManifest=true, x402PaymentRef=null, timestampMs=1700000000000,
nonce=n100000000000000, prevReceiptHash=null, outcome=aborted.¶
COSE_Sign1 hex (whitespace ignored; identical to the locked test):¶
845830a301320378206170706c69636174696f6e2f636564756c6f6e2d 726563656970742b63626f72044806e3fd8fda29bb60a0587cac3a0001 11706770617965722d313a000111716770617965652d313a0001117261 313a00011173635553443a000111746261613a00011175f63a00011176 f53a00011177f63a000111781b0000018bcfe568003a00011179706e31 30303030303030303030303030303a0001117af63a0001117b6761626f 727465645840685c01aa778a850b9d35250406f092b6f5cb03fb359593 0422533e28ac620ad439f5e7bd8ed1fa5ded90d4421a2de34f94d1d78d 38a65812cb5315ee7f1cf403¶
Manifest COSE_Sign1:¶
Body: description=fixture-goods, amount=1, currency=USD,
acceptanceCriteriaHash=00, cancelCondition=none,
expiresAtMs=1700000000000, ap2MandateHash=null.¶
COSE_Sign1 hex (whitespace ignored; identical to the locked test):¶
845831a301320378216170706c69636174696f6e2f636564756c6f6e2d 6d616e69666573742b63626f72044806e3fd8fda29bb60a0584aa73a00 0112386d666978747572652d676f6f64733a0001123961313a0001123a 635553443a0001123b6230303a0001123c646e6f6e653a0001123d1b00 00018bcfe568003a0001123ef65840898628b1524a44ca641b5058c7a4 7e71bd4ce1ca0782e03b511c23e0819c3771407d627216d0b104224ee8 2cacffbd21e66fe035ed5ce4ee85b7bcd9c560ad02¶