Banking AI doesn't have a knowledge problem.
It has a verification problem.
We audited ChatGPT, Gemini, and Copilot on 15 banking regulation questions.
ChatGPT passed 8. Copilot passed 0.
🧵 what we found ↓
Transaction-level safety asks "is this safe to send?"
The harder question is one level up: should the agent be doing this at all? And if not — does it find out in time to fix itself?
Allow/block is where verification starts. The objection is where it earns its place.
Most AI safety gates answer one bit: allow, or block.
It feels safe. It's a dead end.
A blocked agent that doesn't know why it was blocked just retries the same mistake — or gives up. You threw away the one useful thing.
Thread.
It stood down on its own. No human. No hard-coded rule. It re-read its reasoning and caught the lie.
This matters more as agents move real value. On chains with fast or irreversible finality, settlement is the point of no return. A confidently-wrong agent is expensive there.
We’re seeing this shift across the board: Tokenized funds, agent-driven portfolios, and onchain strategies are moving from experiments into environments where compliance and accountability can no longer be ignored.
That’s what we’re building at ThoughtProof. If you’re building or evaluating agentic systems that interact with real capital or regulated environments, this is becoming table stakes. Happy to discuss approaches.
The real requirement for institutional and regulated environments is pre-execution verification — checking whether a decision is well-reasoned, policy-compliant, and auditable before it settles.
As agents start handling real capital — trading, rebalancing, executing strategies — the question is no longer just “Can it act?” but “Should this decision be executed?”
Today, most verification happens after the fact: - Post-trade analysis - Manual reviews - Reputation systems This is too late when the action is already onchain and irreversible.
We announced an AMA with @thoughtproof_ai, the first project in the GOAT AI Builder Grants Program.
June 29th. 4PM UTC.
ThoughtProof is building the verification layer for agents, checking reasoning before execution so costly mistakes can be caught before they happen.
Recommended reading before the AMA:
https://t.co/DTLTOxbDY4
We're going live with @thoughtproof_ai - the first project in the GOAT AI Builder Grants Program.
🗓️ June 29th, 4PM UTC
ThoughtProof is building the verification layer for agents, checking reasoning before execution so that costly mistakes can be caught before they happen.
🧵 BREAKING: Google, IBM, Hedera, Circle and Stellar join the Legal Context Protocol as Founding Contributors.
AI agents are expected to influence up to 90% of B2B purchasing decisions by 2028, representing a potential $15 trillion market.
There is just one problem.
When autonomous agents negotiate and execute transactions, how do we prove what was actually agreed?
Yesterday, the Legal Context Protocol (LCP) was introduced.
And it may become one of the missing pieces for agentic commerce.
👇
LCP is an open-source standard governed by the American Arbitration Association (AAA) and Integra Ledger.
It creates a cryptographic fingerprint of the contractual terms agreed between parties.
That fingerprint is linked directly to the payment itself.
Courts, regulators and arbitrators can later verify:
What was agreed
Under which jurisdiction
Which dispute resolution mechanism applies
Without slowing down the payment.
Now look at the founding contributors.
This is where things become interesting.
• Google
• IBM
• Circle
• UiPath
• Wayfair
• Stellar Development Foundation
• Hedera
• Ava Labs
• Cardano
• Aptos
• Mysten Labs (Sui)
• Sei Labs
Different ecosystems.
Same objective.
Building legal certainty for autonomous commerce.
On the payments side, Circle and @StellarOrg stand out.
@circle provides $USDC, $EURC and CCTP.
Stellar already provides the settlement layer, native CCTP support, and payment protocols such as MPP, enabling AI agents to transact with stablecoins without needing gas tokens.
Together, they already answer an important question.
Who paid whom?
LCP may answer the next one.
What exactly was agreed?
And there are some familiar names from the enterprise blockchain world.
@Google@IBM@hedera
Google and IBM already sit together on Hedera’s Governing Council and operate network nodes.
Now they are contributing alongside Stellar, Circle and others to the same initiative.
That should tell us something.
Large enterprises appear to be taking autonomous systems seriously.
Perhaps the future stack for agentic commerce will look something like this.
Hedera
↓
Trust & Governance
↓
LCP
↓
Legal Context
↓
Circle
↓
USDC • EURC • CCTP
↓
Stellar
↓
Settlement • MPP
Different networks.
Different strengths.
One emerging stack.
While everyone talks about AI chatbots, some of the largest technology companies, payment providers and blockchain networks seem to be building something much bigger.
The legal and financial infrastructure for autonomous economies.
And it may already be taking shape.
👉🏻 https://t.co/v66IlF8hfX
@MarcoSalzmann80 Great breakdown. LCP answers "what was agreed" — we're building the layer that answers "was the decision sound" before the agent commits. Decision verification + legal context + settlement = the full trust stack for autonomous commerce. Complementary pieces. 🤝