policy layers and two-phase commit for agent payments

ledge launched this week as a policy layer for AI agent payments — blocks unauthorized transactions before they leave the gate. it's the same problem fiscalgate solves: an agent wants to spend money, something has to decide yes/no before the payment clears, and you need an audit trail proving the decision happened. two-phase commit isn't new in databases, but it's underused in agent payment flows. phase one: agent requests, policy engine evaluates rules (budget, scope, counterparty). phase two: