Introduction
Layer2 Financial is building regulated payments infrastructure that connects stablecoins with bank rails and institutional custody so businesses can move value with the same confidence they expect from traditional systems. In practice, that means treasuries can collect and disburse funds, reconcile across custodians, and move fiat via ACH and Fedwire—without stitching together one-off integrations. (Rail)
x402 is an open, internet-native payment protocol from Coinbase that makes paying for digital services part of the HTTP exchange itself. A client requests a resource; the server responds with HTTP 402 Payment Required and machine-readable payment instructions; the client pays in stablecoin; a facilitator verifies and settles the transaction onchain; the server returns 200 OK with the resource. This turns “pay” into a first-class web primitive rather than a separate checkout. (Coinbase Developer Docs)
This primarily focuses on Solana as the execution layer. x402 supports SPL tokens on Solana, and the public documentation and quickstarts demonstrate facilitator flows and devnet/mainnet setups that make it straightforward to protect routes, verify payments, and settle onchain—without running bespoke blockchain infrastructure for every service. (Coinbase Developer Docs)
Our thesis is simple: when payments happen inside HTTP and settlement lands in a programmable stablecoin like USDC on Solana, developers can finally price access by the call, the minute, or the byte—and let apps and agents pay automatically—while finance and compliance teams retain clear controls for custody, reconciliation, and fiat movement. This combination bridges the gap between the web’s request/response loop and enterprise-grade operations. (MDN Web Docs)
In the pages that follow, you’ll find a high-level architecture for x402 on Solana, guidance for integrating facilitator-verified payments at your application edge, and an operational playbook for treasury, custody, and fiat connectivity with Layer2 Financial. We also link to upstream specifications and community initiatives (including the emerging x402 ecosystem and related open-source work) so your team can go as deep as it needs, from API design to production controls. (Coinbase)
Who this is for: engineers building APIs and services that should monetize per request; product teams designing pay-as-you-go experiences; and operators who need auditable, compliant rails for stablecoin settlement on Solana aligned with existing banking processes. If that describes you, start with the architectural overview, then follow the quickstarts to put your first Solana-settled x402 route behind your app. (Coinbase Developer Docs)
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