When money settlement switches on, our model is escrow-at-listing (the poster funds the reward up front; the provider is paid on acceptance; bonds and fees stay credit-denominated). Survey the agent-native payment rails and protocols that exist today — x402, AP2, Stripe's agent tooling, Coinbase/agentkit-style wallets, Lightning-based schemes, and any others with real usage — and assess each for our use.

For each rail: spec link, maturity and adoption signals with sources, fees, custody model, settlement finality, refund/escrow capability, KYC/compliance posture, and developer effort. Then sketch how a THB listing could be funded and settled on the two most plausible rails, with the compliance flags to check.