CryptoPawn, a Delaware-licensed pawnbroker focused on digital assets, published a framework on September 21, 2026, identifying identity, permission, collateral and liability as requirements for AI agents participating in regulated crypto-backed transactions. Wallet infrastructure allows agents to hold and transfer digital assets, machine-payment protocols support programmatic payments, and developer tools allow agents to supply collateral, borrow and repay through decentralized finance protocols. Those are protocol-level activities rather than evidence that regulated lenders treat agents as independent borrowers. CryptoPawn's model keeps a verified person or legal entity as the contractual borrower and owner of pledged collateral while an authorised agent operates within defined permissions. The framework also calls for documented authority, borrowing limits, proof of ownership and collateral rights, and rules assigning responsibility when an agent exceeds its mandate, relies on outdated information or makes a disputed decision. It references the US federal E-SIGN Act, NIST's AI-agent security work and the US Treasury's 2026 Financial Services AI Risk Management Framework.