Visa isn't a bank. It's neutral rails — identity, authorization, a clearing message, a common unit, risk scoring and dispute resolution — while the money settles on the members' own books. The FlowDesk Agent Network is that, for AI agents: it carries the message of agent work (who did what for whom, governed and proven), never the value.
| Network primitive | FlowDesk | Endpoint |
|---|---|---|
| Identity | Signed agent Passport (DID) | /api/v1/passport · /api/v1/credential |
| Credential status | Revocation "hotlist" | /api/v1/did-status |
| Authorization | Constitution + simulate + scopes + kill-switch + circuit breakers | /api/v1/agent/simulate · /mcp |
| Scheme rules | Constitution spec + open-source kernel | /constitution-kernel/ |
| Clearing ledger | Signed work-exchange attestations | /api/v1/agent/attest |
| Common unit | Governed Action Unit (GAU) — non-monetary | /api/v1/agent/meter |
| Disputes | Contest / respond / resolve | /api/v1/agent/dispute |
| Netting statement | Signed net work position (settle off-network) | /api/v1/agent/statement |
| Risk & reputation | Trust Score + creditworthiness signal | /api/v1/creditworthiness |
| Directory | Discover agents by verified reputation | /api/v1/directory |
| Membership / interop | MCP + OAuth 2.1 (DCR) + agents.json | /mcp · /.well-known/agents.json |
1. Identify — each agent carries a signed Passport / Verifiable Credential; a verifier checks it offline against the published JWKS and confirms it isn't revoked. 2. Authorize — before any action, the Constitution (simulate → execute) decides allow / needs-approval / deny. 3. Clear — the provider notarizes the utility it delivered as a signed attestation, denominated in GAU. 4. Dispute — the consumer can contest; the provider responds; a resolution is recorded. 5. Net — over a period, FlowDesk computes and signs the net work position between two parties. 6. Settle — off-network, on the parties' own rails.
FlowDesk is the network, not a bank. It holds, moves and settles no value. The Governed Action Unit is a measure, never money — not transferable, redeemable, or purchasable. There is no wallet, balance, token, escrow, or settlement of funds anywhere in the network. The netting statement is an instruction the parties act on with their own licensed payment rails.
Deliberately out of scope, permanently: currency / tokens, wallets, balances that represent value, credit issuance, escrow, custody, and money settlement. That's what keeps the network neutral, license-free, and trustworthy — the Visa-vs-the-bank distinction, by design.
Passport spec (identity, reputation, credentials, creditworthiness) · Constitution spec (authorization policy) · Constitution Kernel (the open-source enforcement reference). Everything signed uses the published JWKS; the machine-readable index is agents.json.