// agent architecture

Source: Nate’s Substack

As AI agents move beyond narrow use cases into autonomous decision-making—particularly around commerce and transactions—the architecture of accountability is fragmenting faster than products are shipping. The visibility that came from "a human clicked a button" is dissolving across multiple layers: perception, reasoning, execution, integration, legal, social. Most deployed agents only handle the technical and execution layers, leaving responsibility gaps that will become costly once real money and liability are at stake. This is a product architecture problem, not a philosophical one. It separates companies building defensible agent systems from those building liability pipelines.