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As AI systems evolve into autonomous agents deployed in open environments and increasingly connected to payments or assets, the operational meaning of trust shifts to end-to-end outcomes: whether an agent completes tasks, follows user intent, and avoids failures that cause material or psychological harm. These risks are fundamentally product-level and cannot be eliminated by technical safeguards alone because agent behavior is inherently stochastic. To address this gap between model-level reliability and user-facing assurance, we propose a complementary framework based on risk management. Drawing inspiration from financial underwriting, we introduce the \\textbf{Agentic Risk Standard (ARS)}, a payment settlement standard for AI-mediated transactions. 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