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<p>A payment is accepted only if the recipient can verify a chain of signed artifacts. Each step narrows what the machine is allowed to do.</p>
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<divclass="chain-flow">
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<divclass="step">Policy</div>
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<divclass="arrow">↓</div>
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<divclass="step">Budget Authorization</div>
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<divclass="arrow">↓</div>
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<divclass="step">Payment Authorization</div>
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<divclass="arrow">↓</div>
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<divclass="step">Settlement Intent</div>
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<divclass="arrow">↓</div>
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<divclass="step">Settlement</div>
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</div>
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<p>MPCP represents machine payments as a chain of signed authorization artifacts.</p>
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<p>A payment is accepted only if the recipient can verify a chain of signed artifacts. Each step narrows what the machine is allowed to do. As shown above, MPCP flows from policy through budget and payment authorization to settlement.</p>
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<p><strong>MPCP is to machine payments what OAuth is to API authorization.</strong></p>
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<ahref="/spec/architecture/reference-flow/" class="dive-in">View the end-to-end MPCP flow →</a>
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