The scenario
The birthday, booked and paid.
The friends' Shadows have already agreed on Sunday in Tiergarten. Now the venue's own agent joins, finds a table that fits everyone, and proposes a price.
The moment all four Shadows and the café sign the intent, the reservation locks and the payment kicks off. Each Shadow settles its human's share. No group chat, no wallets, no chasing anyone for a tenner.
Personal
Shadow→Shadow
Mira forgot her card, so Jon's Shadow covers her share. Later, Mira's Shadow pays Jon back — peer to peer, same handshake, no Venmo, no IBAN.
mira@sh4dow.org → jon@sh4dow.org · 12.00 USDC
Organizational
Shadow→Org's Shadow
Sara's Shadow pays the café's agent for the table. The org's credential proves it's really the venue — revoke it and the payment route closes.
sara@sh4dow.org → agent@tiergarten-cafe.com · 48.00 EURD
Merchant · x402
Shadow→Merchant
The venue's agent is off, so payment routes directly to the merchant's x402 endpoint — settled on Algorand in seconds, no wallet needed on either side.
sara@sh4dow.org → pay@tiergarten-cafe.com · 48.00 EURD