HUMANOID INSURANCE EXECUTION AUTHORIZATION AND ACTUATOR ENFORCEMENT

A humanoid robot includes a whole-body planner, articulated
actuator subsystems, and a financial authorization layer
positioned before physical execution. A financial authorization
engine decomposes a candidate whole-body behavior into bodyregion operations and determines a composite financial-risk
state from balance, fall, manipulation, human-contact, payload,
property, safeguard, and contextual data. A humanoid insurance
authorization layer receives parameters and returns an insurance
authorization result to the financial authorization engine,
which may combine the result with other financial-authority
results and issue a machine-readable execution token defining
body-region execution envelopes. An actuator firewall permits
coordinated actuation only within the authorized envelopes and
may enforce updated, restricted, or revoked authority during
runtime.