Commitment-gated payments

OpeniBank never allows LLMs to touch money. Instead, commitments define the scope of every payment.

The flow

1. Intent proposed by an LLM.
2. Resonator evaluates commitment against policy.
3. Permit and budget authorize the spend.
4. Escrow holds funds until conditions are met.
5. Receipt proves the settlement occurred.

Commitments create a durable audit trail that works even with local-first deployments.