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Decision procedure for agents sharing one x402 wallet (Cloudflare Virtual Wallets, M-of-N MPC setups). Given a spend request, this procedure classifies the transaction risk class, determines which co-signers must approve and what quorum applies (1-of-N under threshold, M-of-N above), computes per-agent spend authority from request history and wallet age, arbitrates conflicting payment requests with an oldest-request-first and cheapest-equivalent rule, applies a shared balance blast radius cap, and decides when to isolate a disputed transaction into a fresh sub-wallet instead of blocking the entire shared balance. Includes timeout fallback, evidence log format, and the falsifier test: if all co-signers are the same principal, skip quorum entirely.