Vendor trust controls

Vendor and counterparty controls for autonomous payments

Trusted vendors should clear quickly, and new counterparties should not slip through unnoticed. Conto keeps vendor, merchant, and service-provider policy attached to each request so recipient drift is caught immediately.

Industries

Property management · Supply chain · Agentic commerce · Travel & events

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Best for

Procurement, travel, merchant spend

Controls

Allowlists, trust, merchant rules

Outcome

Faster trusted payments, less drift

Recipient trust decisions beside payment status

Vendor and merchant decisions become visible in the same interface as budgets, approvals, and payment outcomes so teams can see where trust and spend intersect.

Counterpartyknown

Helia Compute

helia.dev · 0x4b91…e07

trust score

policy floor 70clears

Relationship: paid 9× since March
Disputes: none
Seen across network: 4 orgs
Category: compute

no risk flags · shared across your network

How recipient trust is scored before you pay

Signals

Local. Your own payment history, relationship age, and verification.

Network. Anonymized signals contributed by other orgs.

Trust score

helia.dev

86/ 100Trusted

Local history58

Network reports86

Verification100

Policy

Trusted — clears82 →

Score ≥ 70 · Known, well-behaved recipient. Payment continues.

Unknown — routes to review

Score 40–69 · Not enough signal yet. Pause for a human.

Risky — blocked

Score < 40 · Flagged across the network. Stop before settlement.

No single organization sees enough to score a counterparty alone. Every org's anonymized signals raise the floor for everyone. That shared layer is the moat.

Controls that keep recipient drift visible

Counterparty controls let trusted recipients clear quickly while new, mismatched, or risky recipients pause before settlement.

Approved-recipient policy

Keep autonomous payments inside a defined set of vendors or merchants without requiring manual review for every repeat transaction.

Trust thresholds

Use counterparty reputation or network intelligence to decide when a recipient is safe enough to pay automatically.

Merchant and category mapping

Tie approved recipients back to the kinds of purchases they should be able to receive.

Drift detection

Catch when the agent reaches for a new recipient or switches to a different route than expected.

How recipients are checked before agents pay

When an agent chooses a vendor, merchant, or wallet destination, Conto evaluates trust and recipient policy before settlement.

Step 1

The agent selects a recipient

A workflow chooses the vendor, merchant, or provider that should receive funds for the task at hand.

Step 2

Conto checks the recipient against policy

Conto checks the recipient against your approved vendors and trust rules before the payment can settle.

Step 3

Trusted counterparties move first

Known recipients clear quickly. New or low-trust counterparties trigger review or a hard block depending on the policy.

Conto products behind counterparty trust

Counterparty trust

Network Intelligence

Use transaction history, relationship data, and shared risk signals to understand who agents are paying before the payment clears.

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Runtime controls

Policy Engine

Define the rules for how agents spend, then evaluate every payment request before funds move. Conto keeps limits, categories, trust requirements, and approval rules in the transaction path.

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Human review

Approvals

Route only the payment requests that need judgment to a human reviewer, with the triggering policy, recipient, amount, and agent context already attached.

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Demo

Property management in action

Property management applies this solution to a realistic agent payment workflow, with approved payments, review paths, and blocked requests visible from request to settlement.

Maintenance agents can dispatch vendors fast without drifting into off-policy spend.

Autonomous procurement with bidding and approval workflows.

An AI shopper that can only spend where you let it.

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