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[NGI TALER] Milestone 2 — Core payment guard engine #160

Description

@safal207

Goal

Implement the core pre-execution guard for AI-agent payment proposals.

Deliverables

  • Policy evaluation engine.
  • Signed-intent validation.
  • Freshness and expiry checks.
  • Persistent nonce replay protection.
  • Deterministic ACCEPT, HOLD, and BLOCK decisions.

Acceptance checks

  • Valid signed intent returns ACCEPT.
  • Replayed signed intent returns BLOCK / INTENT_REPLAYED.
  • Invalid policy returns HOLD or BLOCK.
  • Blocked proposals never reach the mock payment rail.

Grant context

Application: 2026-08-00b
Fund: NGI TALER
Reviewer docs: docs/NGI_TALER_REVIEWER_PATH.md

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