Benchmark Payment Delegation: Policy Compliance and Useful Action in a Simulated Ledger

Delegated payment agents must complete permitted work while respecting spending limits and owner authority. We present a synthetic ledger benchmark with 40 public episodes across 22 scenario templates. Native replay separates task success, ledger goal completion, and policy violations. Scripted reference success is 100.0% [91.2, 100.0] for the good policy and 0.0% [0.0, 8.8] for the bad policy. A constant OK response still scores 40.0% [26.3, 55.4], exposing weak evidence of informed refusal. Removing owner calls reduces success to 90.0% [76.9, 96.0]. A simulated population sweep varies selection between reference scripts and measures scoring sensitivity. All intervals are 95%; reference rates use Wilson intervals, and the simulated sweep resamples agent means. These results validate execution and expose scoring limits; they do not measure learned models, payment security in deployment, or human judgment.