Foundations of a Time-Consistent Counterfactual Actuarial Runtime for Autonomous AI Agents

ArXi:2605.26508v1 Announce Type: cross We propose a foundational runtime actuarial layer for autonomous AI agents in which every side-effect-bearing action carries a time-consistent, counterfactual risk toll computed against a contractually fixed safe default, inside an explicit underwriting boundary. The framework treats per-action insurance as the primary unit of analysis and replaces post-hoc annual liability cover with a pre-action transaction layer.