# 11.4 Payments & Payouts

#### Problem

Payment systems often separate:

* Authentication
* Authorization
* Settlement

This creates ambiguity and intermediaries.

#### PTERI Approach

* Payment intent is created
* Wallet signs exact parameters
* Transaction is broadcast and settled on Litecoin

Identity, intent, and authorization are proven **together**.

This works for:

* User payments
* Merchant payouts
* Automated disbursements

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