Cards and crypto
Stripe powered card payments and stablecoin payments, collected and managed through one X-Pay ledger.
Payments for an autonomous world
The payment layer for the autonomous economy. Connect your business, APIs and AI agents to programmable payments, from cards and crypto to x402 paid APIs and usage billing.
- Live on Base mainnet
- Since 11 Sep 2026
- Payments settled
- 50,000+
- Paid endpoints
- 21
- Own x402 facilitator
- Since 22 Sep 2026
Payment rails and protocols
- Base
- USDC
- BNB Chain
Payments for businesses
and agents
402
Payment Required
x402 adds payment requirements to HTTP requests. A client receives a price, authorizes payment and retries to access the protected resource.
Request
Your agent calls a protected resource.
Receive a price
The server returns a payment requirement: amount, asset, network and recipient.
Authorize
The client signs and retries with payment.
Access the resource
Payment is verified and settled onchain. The resource is returned.
Payment operations, unified
Manage payments, balances and metered usage in one merchant workspace. The screens are live; the figures on them come from a demo project.
Merchant workspace
Review card, crypto and x402 payments, balances and transaction history, and bill usage by request, token or time.
Agent wallet
Wallet authorization for software that pays on its own, within per call and daily limits it cannot exceed.
SDK and API
The JavaScript SDK, REST API and x402 middleware connect payments to your application.
API catalogue
A public catalogue of paid x402 resources, each with a price your software can read before it pays.
Every payment settles in public
Connect your paid routes to the X-Pay facilitator for payment verification and settlement on Base and BNB Chain. Every settlement can be looked up onchain.
Integrate payments
Use the JavaScript SDK, REST API and x402 middleware to integrate payments into your application, and validate your workflow in test mode.
Read the documentation
import { xpayMiddleware } from "@xpay-llc/sdk"; // Put a price on your endpoint.app.get("/api/research", xpayMiddleware({Any route you already serve price: "0.002",The price, per request currency: "USDC",Paid in USDC network: "base",Settled on Base handler,Your resource, now payable}));import { XPay } from "@xpay-llc/sdk"; const xpay = new XPay({One client for every payment method apiKey: process.env.XPAY_API_KEY,Your merchant API key}); const payment = await xpay.payments.create({Create a card payment amount: "10.00", currency: "USD", paymentMethod: "stripe",Cards clear through Stripe});console.log(payment.id, payment.status);Recorded in the X-Pay ledger# Explore available x402 resources.curl https://www.api-xpay.com/x402The public catalogue# Inspect the OpenAPI specification.curl https://www.api-xpay.com/openapi.jsonEvery route, described# Call an endpoint without payment.curl -i https://www.api-xpay.com/x402/pingNo payment attached yetHTTP/1.1 402 Payment RequiredThe quoted price comes backPayments for autonomous machines
Our robotics vision extends programmable payments to machines that earn from completed work and pay for the services they use. A near-term vision for robots, drones, autonomous vehicles and connected devices: machine to machine microtransactions, global stablecoin settlement, and an onchain identity and transaction history.
Discuss a robotics integration- Complete work
- Receive payments
- Access AI services
- APIs and compute
- Purchase energy
- Energy and charging
- Access connectivity
- Bandwidth and services
The XPAY token
The network settles in stablecoins, so no one needs XPAY to pay or to get paid. The white paper describes four proposed functions for it inside the network.
- Fee settlementA reduced protocol fee rate when fees are settled in XPAY.
- Facilitator capacityA proposed staking model linking facilitator capacity to stake.
- GovernanceFee parameters, supported networks, treasury and upgrades.
- Ecosystem rewardsMerchant incentives, integration grants and volume rebates.
These functions are proposed and are not current operating capabilities. Any token issuance, staking or governance design remains subject to product, legal and security review. Nothing on this site is an offer to sell, or a solicitation of an offer to buy, any token or security, and nothing here is investment advice.
Read the white paperRoadmap
Future plans. Dates and final feature sets are announced separately when confirmed.
-
Live now
Mainnet
- USDC settlement on Base since 11 September 2026
- Own x402 facilitator since 22 September, settling on Base and BNB Chain
- Merchant app, SDK and docs
- 21 paid endpoints
-
Next
Commerce
- WooCommerce integration
- Shopify integration and app
- Order status linked to payments
-
Next
Delegated spending
- Policy based wallet access
- Limits and authorization lifecycle
- Recovery and revocation tested as hard as payments
-
Then
Network expansion
- Further networks against real demand
- Partner facilitators and enterprise deployments
-
Later
Machine services
- Robots and devices paying for APIs, compute and charging
- Payment for completed physical tasks
Questions
Questions about your integration? Contact the X-Pay team.
What does X-Pay support?
X-Pay brings together card and crypto payments, x402 protected APIs and usage billing. The merchant app includes projects, API keys, webhooks, transaction history and wallet settings. Review the documentation for your intended integration.
How does x402 work?
A protected endpoint responds with HTTP 402 and a machine readable payment requirement. The client authorizes the payment and retries. The server verifies it and returns the resource. X-Pay's public catalogue uses USDC on Base.
Can I accept cards as well as crypto?
The platform documents Stripe powered card payments and crypto payment flows. Card payments clear through Stripe into the X-Pay ledger. Settlement to an onchain wallet is a separate step.
Is X-Pay live today?
Yes. X-Pay has settled real USDC payments on Base mainnet since 11 September 2026 and has run its own x402 facilitator since 22 September. Every settlement is public onchain.
How does X-Pay connect to robotics?
Robotics is a near-term expansion of X-Pay's payment infrastructure, focused on machines that can earn from completed work and pay for the services they use. The vision includes AI agents paying robots for completed tasks, and robots using their own wallets to buy AI models, APIs, compute, charging and bandwidth, within configured limits and without a person approving every transaction.
Do I need an account or an API key?
Merchants use an account, project and API key to integrate the platform. Buyers calling X-Pay's public x402 resources use a supported payment client and wallet authorization instead of an API key. Merchant integration and paid API consumption are separate workflows.
How do I evaluate an integration?
Open the merchant app, review the quickstart and validate your integration in test mode. To consume a paid API, browse the public x402 catalogue and inspect its current payment requirements.
Explore theplatform
Build your payment integration in the merchant app, or read how the gateway, the wallet and the facilitator fit together.