According to @scottshics, Kite routes agent-to-agent payments into programmable escrow governed by SLA contracts, releasing funds only after proof of completion or zk/TEE attestations and enabling refunds, reversals, or freezes via preset dispute resolvers, oracles, or staking-based arbitration (source: @scottshics on X, Oct 25, 2025, https://twitter.com/scottshics/status/1982084564760539513). Each transfer is treated as a state update rather than final settlement, with conditional and reversible logic enforced by on-chain smart contracts and cryptographic proofs (source: @scottshics on X, Oct 25, 2025, https://twitter.com/scottshics/status/1982084564760539513). He shared an example escrow smart contract implementing this pattern for service payments (source: GitHub gokite-ai EscrowService.sol, https://github.com/gokite-ai/example-contracts/blob/main/contracts/EscrowService.sol). Identity-wallet binding uses an Agent Passport with a three-layer model (User → Agent → Session), where the user wallet is the root authority, agents are BIP-32 derived addresses, and sessions use one-time keys with limited authorization, verifiable via a signature chain from session to agent to user (source: @scottshics on X, Oct 25, 2025, https://twitter.com/scottshics/status/1982084564760539513). For settlement, Kite supports whitelisted stablecoins PYUSD, USDT, and USDC and programmable money lanes to customize fees, conversion, and revenue share, enabling scripted payouts like 70% USDC plus 30% module token, 100% refunds on task failure, and 10% bonuses on SLA completion, providing concrete on-chain rails for stablecoin-native agent workflows (source: @scottshics on X, Oct 25, 2025, https://twitter.com/scottshics/status/1982084564760539513).