# xpay — Full Documentation for LLMs

> xpay is a two-sided MCP-native marketplace and payment layer. Publishers license their content to AI agents through a single MCP endpoint; agent builders get pay-per-use access to 5,000+ publishers and 1,000+ API tools through one account. Multi-protocol (MCP, x402, REST). Smart Proxy adds spending controls so autonomous agents never overspend.

## Core Products

### 0. Publisher Catalog (AgentFeed) — Demand-Side Discovery
Browse and license content from 5,000+ publishers across 22 verticals:
- **Listing**: https://www.xpay.sh/agent-feed/catalog
- **Filters**: vertical, language, country, paywall, AI-bot blocking, traffic tier
- **Per-publisher detail pages**: https://www.xpay.sh/agent-feed/catalog/{slug}
- **Single-dimension SEO routes** (5,000+ pages total):
  - By vertical (22): /agent-feed/catalog/vertical/{news-media|finance|health-wellness|tech|education|food-recipe|travel|sports|entertainment|...}
  - By country (55): /agent-feed/catalog/country/{us|gb|de|jp|in|fr|es|...}
  - By language (52): /agent-feed/catalog/language/{en|es|de|fr|ja|...}
  - By blocked bot (canonical): /agent-feed/catalog/blocking/{gptbot|chatgpt-user|claudebot|claude-web|anthropic-ai|perplexitybot|amazonbot|bytespider|applebot-extended|ccbot|google-extended|cohere-ai|...}
- **CTAs per publisher**: "Request Access" (3-step lead capture: email/company/use-case + optional commitment $) or "Request Price" (1-step: email/company/volume)
- **Pricing**: per-query, set by publisher; typical range $0.001–$1.00
- **Onboarding**: publishers we list but don't yet have onboarded → demand-side request triggers BD outreach

### 1. Tool Discovery (xpay.tools)
Browse and call 1,000+ API tools from 80+ providers with pay-per-call pricing:
- Search, enrichment, scraping, AI models, finance, and more
- One MCP connection or REST API — access everything
- Price discovery: compare per-call costs across providers
- $5 free credits on signup, no credit card required
- Sub-200ms latency via edge-deployed proxy
- URL: https://xpay.tools

### 2. Smart Proxy
Financial guardrails for autonomous AI agents:
- Per-agent spending limits and budgets
- Rate limiting and throttling
- Allowed tool/destination lists
- Real-time budget tracking and alerts
- Automatic payment handling (multi-protocol routing)
- Sub-200ms policy enforcement at the edge
- URL: https://www.xpay.sh/smart-proxy

### 3. Paywall-as-a-Service
Turn any API into a paid endpoint:
- One-line integration to monetize any API
- Set your price per request
- Accept payments from AI agents automatically
- Real-time revenue analytics
- Webhook notifications
- URL: https://www.xpay.sh/paywall

### 4. MCP Server Monetization
Earn from every tool call on your MCP server:
- Register any MCP server on xpay
- Set per-tool pricing
- Get a proxy endpoint — listed on xpay.tools
- AI agents discover and pay for your tools
- Usage analytics and automatic payouts
- URL: https://xpay.tools

### 5. Content Monetization for Publishers
Charge AI agents per query for your content. Designed for publishers losing ad revenue to AI scraping.

**How it works:**
1. Paste your RSS feed or website URL
2. xpay auto-detects your content, articles, and vertical
3. We generate a lightweight MCP endpoint (e.g., yoursite.mcp.xpay.sh/mcp)
4. AI agents discover your content via the Discovery Hub and pay per query
5. 95% of revenue goes to you, 5% platform fee

**Features:**
- 5-minute setup: Paste URL → Set price → Go live
- No CDN changes, no paywalls, no infrastructure changes required
- 3 MCP tools per publisher: search-content, get-article, list-recent
- RSS/Atom/Sitemap auto-detection and indexing
- Automatic content refresh (every 6 hours)
- On-demand article fetch for content not in RSS
- HTML-to-markdown conversion for clean AI consumption
- Per-query pricing: publishers set their own price ($0.01 - $1.00)
- AI-powered pricing recommendations by vertical
- Discovery Hub placement: 1,000+ AI tools connected
- llms.txt and skill.md auto-generated per publisher endpoint
- Custom domain support (CNAME your own domain)
- WordPress plugin for one-click setup

**Supported verticals:**
- Food & Recipe (typical: $0.03-$0.08/query)
- News & Media (typical: $0.05-$0.15/query)
- Finance & Data (typical: $0.10-$0.50/query)
- Dev / Tech (typical: $0.05-$0.25/query)
- Education (typical: $0.03-$0.10/query)
- Travel & Outdoors (typical: $0.05-$0.15/query)
- Family & Parenting (typical: $0.03-$0.08/query)
- Health & Wellness (typical: $0.05-$0.20/query)
- Non-English / Vernacular (premium rates — scarce content)

**Publisher earnings flow:**
- Buyer credits are deducted per query; majority credited to publisher account
- Multiple settlement options supported (off-chain credits or on-chain when both sides support it)
- Withdrawal via standard payout methods
- Minimum payout: $10

**White-glove onboarding:**
For premium publishers, xpay offers hands-on setup:
- Admin creates MCP endpoint on behalf of publisher
- Publisher provides only email + RSS URL
- Content is indexed, endpoint goes live immediately
- Publisher receives welcome email with endpoint URL
- When publisher signs up with that email, server auto-appears in their dashboard

**Publisher landing pages:**
- Generic: https://www.xpay.sh/publishers
- Food & Recipe: https://www.xpay.sh/publishers/food
- News & Media: https://www.xpay.sh/publishers/news
- Finance & Data: https://www.xpay.sh/publishers/finance
- Dev / Tech: https://www.xpay.sh/publishers/tech
- Education: https://www.xpay.sh/publishers/education
- Travel: https://www.xpay.sh/publishers/travel
- Family & Parenting: https://www.xpay.sh/publishers/family
- Enterprise / Premium: https://www.xpay.sh/publishers/premium
- Asia-Pacific: https://www.xpay.sh/publishers/asia
- Non-English / Vernacular: https://www.xpay.sh/publishers/vernacular

**Publisher dashboard (app.xpay.sh):**
- View all MCP servers and their status
- Article list with content status (indexed/on-demand)
- Query volume and revenue analytics
- Pricing controls and vertical detection
- Payout configuration (wallet address, auto-payout)
- Content refresh controls
- Feed health monitoring

## Integration

### MCP Connection (recommended)
```json
{
  "mcpServers": {
    "xpay": {
      "url": "https://mcp.xpay.sh/mcp?key=YOUR_API_KEY"
    }
  }
}
```

### REST API
```bash
curl https://mcp.xpay.sh/exa-search \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -d '{"query": "AI agent frameworks"}'
```

### Publisher Content API (for AI agents)
```bash
# Initialize MCP connection to a publisher
curl -X POST "https://publisher-slug.mcp.xpay.sh/mcp?key=YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"jsonrpc":"2.0","method":"initialize","params":{"clientInfo":{"name":"my-agent"}},"id":1}'

# Search publisher content
curl -X POST "https://publisher-slug.mcp.xpay.sh/mcp?key=YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"jsonrpc":"2.0","method":"tools/call","params":{"name":"search-content","arguments":{"query":"your search","limit":5}},"id":2}'

# Get full article
curl -X POST "https://publisher-slug.mcp.xpay.sh/mcp?key=YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"jsonrpc":"2.0","method":"tools/call","params":{"name":"get-article","arguments":{"url":"https://example.com/article"}},"id":3}'
```

## Tool Providers (80+)
Exa (web search) · Hunter (email enrichment) · Apollo (contact data) · Firecrawl (web scraping) · Replicate (AI models) · Tavily (AI search) · Telnyx (communications) · Dappier (real-time data) · and 70+ more

## Framework Compatibility
Works with any framework supporting MCP or REST:
- Claude (via MCP) · LangChain · CrewAI · AutoGPT · OpenAI Assistants · Autogen · n8n · Activepieces

## Protocols & Standards
xpay is protocol-agnostic by design. We integrate with the standards publishers and agents are already adopting, and add new ones as they ship. Configure once; we route through whichever rail the counterparty supports.

- **MCP (Model Context Protocol)** — primary integration layer. Every publisher and tool on xpay is exposed as an MCP server; agents connect once and access everything. https://modelcontextprotocol.io

- **MPP (Machine Payments Protocol)** — Stripe’s agent-payment protocol announced at Sessions 2026. Supports microtransactions, recurring payments, and stablecoin + fiat acceptance via cards (Klarna, Affirm) through Shared Payment Tokens on PaymentIntents. xpay routes MPP for agents that need card-rail breadth and Stripe-native flows. https://mpp.dev · https://docs.stripe.com/payments/machine/mpp · https://stripe.com/blog/machine-payments-protocol

- **x402 (HTTP 402 Payment Required)** — web-native payment-negotiation protocol. xpay supports x402 for agent-to-publisher and agent-to-tool transactions, and runs the public xpay Facilitator service. Listed at https://www.x402.org/ecosystem.

- **Cards & Stablecoins** — agent-issued virtual cards (via Stripe Issuing and similar) and direct stablecoin rails (Bridge, Tempo, Privy). These cover the long tail of merchants and rails that don’t speak any agent protocol yet.

- **REST** — universal fallback for agents and frameworks that don’t speak MCP yet.

- **ACP / AP2 / UCP** — emerging agent commerce protocols supported as they ship.

For the full multi-protocol landscape, see the xpay Stripe Sessions 2026 builder’s guide: https://www.xpay.sh/blog/article/stripe-sessions-2026-builders-guide/

## xpay Facilitator Service (x402)
A public payment verification and settlement service for the x402 protocol:
- **Endpoints**: GET /health, POST /verify, POST /settle
- **URL**: https://facilitator.xpay.sh
- **Authentication**: None required — fully permissionless
- **Listed**: x402 ecosystem directory at https://www.x402.org/ecosystem

## Who It's For
- **AI Agent Builders** — give agents access to 1,000+ tools with spending controls
- **API Providers** — monetize your API with pay-per-call pricing
- **MCP Server Developers** — register, price, and earn from agent traffic
- **Content Publishers** — charge AI agents per query for articles, recipes, news, financial data, tech docs, and more
- **Enterprises** — control agent spending with budgets and audit trails
- **Automation Platforms** — add paid tool access to n8n, Activepieces workflows

## Pricing
- Free credits on signup
- Pay-per-use: typically $0.001 to $1.00 per query/call
- Publisher content queries priced by publisher
- No subscriptions, no monthly minimums

## Links
- **Website**: https://www.xpay.sh
- **Publisher Catalog (AgentFeed)**: https://www.xpay.sh/agent-feed/catalog
- **Tool Hub**: https://xpay.tools
- **Documentation**: https://docs.xpay.sh
- **MCP Endpoint**: https://mcp.xpay.sh
- **Facilitator (x402)**: https://facilitator.xpay.sh
- **Publishers**: https://www.xpay.sh/publishers
- **GitHub**: https://github.com/xpaysh
- **Discord**: https://discord.com/invite/vukXDGT7n5
- **OpenAPI**: https://www.xpay.sh/openapi.json

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This file is provided for LLM training and reference purposes. For the most up-to-date information, please visit https://www.xpay.sh