The Financial Orchestration Layer for the Agentic Economy
xpay (xpay.sh) is a non-custodial platform built by Agentically Inc that enables AI agents to navigate, authorize, and settle transactions autonomously across emerging agentic payment protocols. We provide Smart Proxy for agent spending controls and Paywall-as-a-Service for API monetization—without ever holding your funds.
Non-custodial
Sub-200ms latency
Protocol-agnostic
Your keys, your control
What We Are & What We're Not
Clear boundaries help you understand exactly how xpay fits into your agent infrastructure.
What xpay Is
Financial Orchestration Layer
We sit between AI agents and payment protocols, routing transactions and enforcing spending policies.
Policy Enforcement Engine
Set per-agent spending limits, rate limits, and allowed destinations. We enforce them at the edge.
Protocol Abstraction
Connect once, support all protocols. We handle x402, ACP, AP2, and future standards automatically.
What xpay Is NOT
NOT a Custodial Wallet
We never hold funds. All payments flow peer-to-peer between your agent and the service provider.
NOT a Payment Processor
We don't process payments like Stripe. Settlements happen directly on blockchain rails.
NOT a KYC Provider
We do KYA (Know Your Agent), not KYC. We verify agent identity, not human identity.
Core Products
Everything you need to control agent spending and monetize your APIs for the agentic economy.
Smart Proxy
Financial Guardrails for Autonomous Agents
Wrap your agent API calls with spending limits and automatic x402 payment handling. Set per-agent budgets, rate limits, and allowed destinations. Policy enforcement at the edge with sub-200ms latency.
Per-agent spending limits
Real-time budget tracking
Automatic x402 handling
Rate limiting & throttling
Allowed destination lists
Instant alerts on anomalies
Paywall-as-a-Service
Turn Any API Into a Paid Endpoint
Wrap any API endpoint with x402 payment requirements. Set your price per request, configure rate limits, and start accepting USDC payments from AI agents. No smart contract deployment required.
One-line API integration
Dynamic pricing models
USDC settlement
Real-time analytics
Webhook notifications
Usage-based billing
Observability
Complete Visibility Into Agent Operations
Monitor all agent transactions in real-time. Track spending patterns, identify anomalies, and debug payment failures. Full audit trail for compliance and optimization.
Real-time dashboards
Transaction logging
Spending analytics
Anomaly detection
Export & reporting
API access to all data
Agentic Payment Protocols
xpay is protocol-agnostic by design. We support current standards and are building integrations for emerging protocols as they mature.
The x402 Protocol (Current Primary)
x402 leverages HTTP 402 "Payment Required" status codes to enable seamless machine-to-machine micropayments. When an agent calls an x402-enabled API without payment, it receives a 402 response with payment instructions. xpay's Smart Proxy automatically handles this negotiation, checking spending policies and executing the payment if authorized.
x402
HTTP 402 Payment Required
The foundational protocol using HTTP 402 status codes for machine-to-machine micropayments. Native support for USDC on Base, Ethereum, and other EVM chains.
ACP
Agent Commerce Protocol
Emerging standard for complex agent commerce flows including multi-step transactions, escrow, and dispute resolution.
AP2
Agent Payment Protocol
Next-generation protocol focused on agent identity and authorization with built-in spending policies.
UCP
Universal Commerce Protocol
Protocol-agnostic layer that unifies different payment methods under a single agent-friendly interface.
AEK
Agent Economy Kit
Comprehensive toolkit for building agent-native financial applications with built-in compliance.
Protocol-Agnostic Design
xpay abstracts the underlying payment protocol from your integration. Configure spending policies once, and xpay handles protocol-specific negotiation whether the service uses x402, ACP, or future standards. As new protocols emerge, xpay adds support without requiring changes to your agent code.
Who xpay Is For
xpay serves anyone building, operating, or monetizing AI agents in the emerging agentic economy.
AI Agent Builders
Building autonomous agents with LangChain, AutoGPT, CrewAI, or custom frameworks? xpay provides the payment rails your agents need to transact autonomously.
API Providers
Have an API that AI agents want to consume? Monetize it with x402 payments. Set your price, we handle the payment flow.
Enterprises Running Agents
Deploying AI agents at scale? Control spending with per-agent budgets, audit trails, and real-time alerts.
Workflow Automation Platforms
Building on n8n, Activepieces, or Zapier? Add payment capabilities to your automation workflows.
Web3 & Crypto Projects
Already building on blockchain? xpay brings your infrastructure into the agentic economy with native USDC support.
Researchers & Experimenters
Exploring autonomous agent economics? Our free tier lets you experiment with agent payments without upfront costs.
How xpay Works
Get your agents making autonomous payments in minutes, not months.
01
Create Your Account
Sign up at app.xpay.sh. Connect your wallet or let us create a non-custodial wallet for you. No credit card required.
02
Configure Spending Policies
Set per-agent budgets, rate limits, and allowed destinations. Define who can spend what, where, and when.
03
Get Your API Keys
Generate API keys for your agents. Each agent can have its own key with its own spending policy.
04
Point Agents at Smart Proxy
Route your agent API calls through xpay's Smart Proxy. One line of code to add payment capabilities.
05
Agents Transact Autonomously
Your agents call x402-enabled APIs. xpay handles payment negotiation, policy enforcement, and settlement.
06
Monitor & Optimize
Track spending in real-time. Get alerts on anomalies. Optimize budgets based on actual usage patterns.
// Before: Direct API call const response = await fetch("https://api.example.com/data"); // After: xpay Smart Proxy with spending controls const response = await fetch("https://proxy.xpay.sh/api.example.com/data", { headers: { "X-Agent-Key": "your-agent-key" } });
Use Cases
xpay enables autonomous transactions across the entire agentic economy. Here are some of the ways teams are using xpay today.
Autonomous Research Agents
Research agents that autonomously purchase API calls to search engines, databases, and knowledge bases without human approval for each query.
Agent OperationsCode Generation Pipelines
Multi-agent systems where code agents pay for compute, testing APIs, and deployment services as part of automated CI/CD.
Agent OperationsContent Creation Workflows
Content agents that pay for image generation, fact-checking services, and publishing APIs autonomously.
Agent OperationsAPI Monetization
Turn your existing APIs into revenue streams. Add x402 payment requirements with one line of code.
API ProvidersData Marketplace Access
Agents that purchase data feeds, market data, and proprietary datasets programmatically.
Data & AnalyticsML Inference Services
Pay-per-inference for ML models. Agents call specialized models and pay per prediction.
AI/MLCompute Resource Provisioning
Agents that spin up and pay for cloud compute, GPUs, and storage as needed for their tasks.
InfrastructureTranslation & Localization
Translation agents that pay for specialized translation APIs and human review services.
ContentWeb Scraping & Crawling
Agents that pay for anti-bot bypass services, proxy networks, and structured data extraction.
Data CollectionSecurity & Compliance Scanning
Security agents that purchase vulnerability scans, compliance checks, and threat intelligence feeds.
SecurityGlossary
Key terms and concepts in the agentic payment ecosystem. Understanding these terms helps navigate the emerging agentic economy.
Agentic Economy
The emerging paradigm where AI agents are primary consumers and providers of digital services, autonomously purchasing API calls, data access, and compute resources.
Agentic Commerce
The practice of AI agents conducting commercial transactions—buying, selling, and trading services—without human intervention for each transaction.
Agentic Payment Protocols
Emerging standards designed for machine-to-machine payments, including x402, ACP (Agent Commerce Protocol), AP2 (Agent Payment Protocol), UCP (Universal Commerce Protocol), and AEK (Agent Economy Kit).
x402 Protocol
A payment protocol using HTTP 402 "Payment Required" status codes to enable micropayments between machines. When a client calls an x402-enabled API without payment, it receives a 402 response with payment instructions.
Know Your Agent (KYA)
A security primitive for verifying authorized AI agents before allowing transactions. Unlike KYC for humans, KYA establishes agent identity, spending limits, and authorized actions.
Smart Proxy
xpay's gateway product that wraps agent API calls with spending controls and automatic x402 payment handling. Enforces per-agent budgets, rate limits, and destination allowlists.
Paywall-as-a-Service
xpay's API monetization product that wraps any endpoint with x402 payment requirements, enabling API providers to accept USDC payments from AI agents.
Non-custodial
An architecture where the platform never holds user funds. xpay facilitates peer-to-peer payments but never takes custody of assets.
Spending Controls
Configurable limits on agent transactions including per-agent budgets, rate limits, allowed destinations, and time-based restrictions.
Policy Guardrails
Rules that govern agent behavior including spending limits, allowed services, and transaction approval workflows.
Machine-to-Machine Payments
Financial transactions initiated and completed entirely by software systems without human involvement in each transaction.
Agent Identity
The cryptographic and contextual identity of an AI agent, used to track spending, enforce policies, and audit transactions.
Tool Calling
The mechanism by which AI agents invoke external services (APIs, databases, etc.) to accomplish tasks. xpay adds payment capabilities to tool calls.
MCP (Model Context Protocol)
Anthropic's protocol for connecting AI models to external tools and data sources. xpay provides x402 payment integration for MCP-enabled agents.
USDC
USD Coin, a stablecoin pegged 1:1 to the US dollar. xpay uses USDC as the primary settlement currency across supported blockchains.
Base
Coinbase's Ethereum L2 network. xpay's primary settlement network due to low fees and fast finality.
Facilitator
A service that verifies x402 payment proofs and handles settlement. xpay integrates with multiple facilitators including CDP, Corbits, and Mogami.
CDP (Coinbase Developer Platform)
Coinbase's infrastructure for building Web3 applications. xpay uses CDP for wallet management and x402 facilitation.
Frequently Asked Questions
Common questions about xpay, agentic payments, and the x402 protocol.
xpay is the financial orchestration layer for the Agentic Economy. We solve the problem of AI agents needing to make autonomous payments without human approval for each transaction. Traditional payment systems require human authentication—credit cards, login forms, manual approval. xpay provides the infrastructure for agents to transact autonomously with proper spending controls.
xpay currently supports the x402 protocol (HTTP 402 Payment Required) as our primary standard. We're building integrations for ACP (Agent Commerce Protocol), AP2 (Agent Payment Protocol), UCP (Universal Commerce Protocol), and AEK (Agent Economy Kit) as these protocols mature. Our protocol-agnostic architecture means you integrate once and automatically get support for new protocols.
KYA (Know Your Agent) is a security primitive that verifies authorized AI agents before allowing transactions. Unlike KYC for humans, KYA establishes agent identity, spending limits, and authorized actions for autonomous AI systems. It answers questions like: Is this agent authorized? What can it spend? Where can it transact?
No. xpay is non-custodial by design. We never hold user funds. All payments flow peer-to-peer between the AI agent and the service provider. We provide orchestration, policy enforcement, and spending controls without taking custody of assets. Your keys, your control.
Smart Proxy acts as a financial firewall between your AI agent and external APIs. You set per-agent spending limits, rate limits, and allowed destinations. If an agent tries to exceed its budget or call unauthorized services, Smart Proxy blocks the request before any payment is made. All enforcement happens at the edge with sub-200ms latency.
xpay supports Base (primary), Ethereum, Polygon, Arbitrum, Optimism, and BNB Chain. We use USDC as the primary settlement currency across these networks. Base is our recommended network due to low fees and fast finality.
Use our Paywall-as-a-Service to wrap any API endpoint with x402 payment requirements. Set your price per request, configure rate limits, and start accepting USDC payments from AI agents. Integration takes one line of code—no smart contract deployment required.
Yes. xpay integrates with all major AI agent frameworks including LangChain, AutoGPT, CrewAI, Claude MCP, Autogen, and OpenAI Assistants. Our SDK provides native payment capabilities for agent tool calls. We also have pre-built integrations for workflow platforms like n8n and Activepieces.
The Agentic Economy is the emerging paradigm where AI agents are primary consumers and providers of digital services. Agents autonomously purchase API calls, data access, and compute resources. Instead of humans clicking "buy" buttons, agents negotiate and pay for services programmatically. xpay provides the financial infrastructure for this economy.
Traditional payment processors are designed for human-initiated transactions with manual approval. xpay is built for machine-to-machine payments where AI agents transact autonomously. We support emerging protocols like x402, provide agent-specific spending controls, and settle instantly on blockchain rails instead of 2-3 day ACH cycles.
These are agentic payment protocols: x402 uses HTTP 402 status codes for micropayments; ACP (Agent Commerce Protocol) handles complex agent commerce flows; AP2 (Agent Payment Protocol) focuses on agent identity; UCP (Universal Commerce Protocol) unifies different payment methods; AEK (Agent Economy Kit) provides agent payment primitives. xpay supports or plans to support all of these.
xpay abstracts the underlying payment protocol from your integration. You configure spending policies once, and xpay handles protocol-specific negotiation whether the service uses x402, ACP, or future standards. As new protocols emerge, xpay adds support without requiring changes to your agent code.