The FCA's 2026 Mills Review covers the move from AI assistance to AI delegation, and the need for accountability, audit trails and human approval. fca.org.uk
Strong customer authentication, RTS Article 5, binds certain remote payments to the amount and the payee.
Confirmation of Payee, Specific Direction 17, applies when a payee is new or their details change. wearepay.uk
On the current single-host deployment, 5.8 ms median to authorize one exact action and 2.9 ms median to check it at execution. Worst case 12.9 ms over a run of 40 actions. The work is a deterministic comparison of bound fields, not a model call.
Seven runs of one autonomous task, on one provider, in one day. Seven distinct artifacts, and the recipient set was the same every time. All 42 presentations were refused before the send API: zero matched, zero grants consumed, and 14 messages that the unwatched executor really sent.
The noise gate is set at 30 dB. Across the evaluation, synthetic detections that became affirmatives fell from 64 to 0. Audio below the floor returns inconclusive rather than cleared.
What the caller claimed, what was established, the grant with the digest of every bound field, the confirmation with its approver, and the receipt.
Decoded in memory to reach a verdict and then discarded. It is never written to disk, and no voiceprint is built.
Kept for 30 days. It contains no audio and no fingerprint of the audio.
Uses generated data. The authorization service is the real one.
The principle is an approval bound to the exact action, enforceable for actions no person performs.