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Optional "Receipt Required" guard for money-movement tools #454

Description

@FutureEnterprises

The toolkit exposes money-movement actions (payments, refunds, payouts) to agents. I maintain EMILIA's open Receipt Required rail (Apache-2.0): a small, opt-in gate so a money-movement tool refuses to run unless a named human signed an authorization receipt for that exact action and amount — the agent-era equivalent of dual control.

The four-step behavior (CI-verified):

  • missing receipt → 428 Receipt Required
  • valid, action-bound receipt → runs
  • same receipt replayed → refused (one-time consumption)
  • forged receipt → refused

Disabled by default, no lock-in — purely additive. There's a runnable payment-server example that gates release_payment end-to-end. Open to a PR behind an opt-in flag? Happy to author it.

Spec + guide: https://github.com/emiliaprotocol/emilia-protocol/blob/main/docs/guides/RECEIPT-REQUIRED-MCP.md

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