Loftic

Agent workflows can fail after useful work has begun because a payment request is rejected, times out or cannot satisfy a mandate. The supplied research confirms settlement-layer backoff, an open circuit-breaker and recovery library, a credit-intermediation product and durable workflow infrastructure, while finding no reviewed hosted product combining cross-route fallback with task-context preservation. That supports an orchestration gap, but the earlier capability review did not verify the related APIs.

A timeout is not proof of failure: retrying before reconciliation can create duplicate payment. Switching facilitator, asset, network or fiat rail can change counterparty, fee, settlement finality, compliance obligations and user consent. A budget is not authorization for every route. Task context can contain secrets, personal data or tool outputs and should be minimized, encrypted and bound to an idempotency key. Sanctions, money-transmission, consumer protection, tax and accounting interpretation remain external.

Task state, payment request, mandate, authorization, budget reservation, attempt, provider response, chain observation, settlement, ambiguous state, reconciliation finding, retry proposal, approved route, second attempt, receipt, task resume and business outcome are separate. Loftic should make failure recovery deterministic and inspectable while leaving money movement, route authority and regulatory decisions with the payer and licensed providers.

A marketplace or agent-platform operator that authorizes machine-initiated purchases and needs reliable task recovery under explicit payment mandates and budgets.