FST Pay: Deterministic Safety-Gated Architecture for Youth Digital Payments
FST Pay proposes a deterministic safety-gated architecture for teen digital payments, pairing invariant authorization checks with decoupled post-settlement AI explanations.
Researchers propose FST Pay, a formal architecture for adolescent digital payments on rails like UPI that applies six deterministic invariant checks (spending limits, guardian co-sign policies, amount thresholds, merchant category codes, temporal intervals, hardware integrity) to classify transactions as ALLOW, REVIEW, or BLOCK. High-risk transactions trigger an asynchronous guardian co-sign workflow. Generative AI is restricted to post-settlement natural-language insights and holds no mutation privileges over the ledger, avoiding non-determinism on the real-time authorization path.
- Six deterministic invariant checks gate real-time payment authorization
- ALLOW/REVIEW/BLOCK outcomes via mutually exclusive decision function
- Guardian co-sign workflow triggered for high-risk transactions
- Generative AI limited to post-settlement insights without ledger mutation privileges
From the original article
1 min read at arxiv.orgDigital payment infrastructures increasingly provide adolescent users with direct access to real-time financial services. While early access promotes financial literacy and digital inclusion, it exposes young users to severe risks of impulsive spending, social engineering frauds, unauthorized transactions, and merchant exploitation.
By Shaikh Mohammed Burhan · arxiv.org
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