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.