Why x402?
Choosing x402 infrastructure turns payment from a separate checkout into a native step of the web itself. By reviving HTTP’s 402 Payment Required, x402 lets a server challenge a request for payment, the client pay in stablecoin, and the server return the resource in the same request/response loop—no accounts, sessions, or custom billing systems. This is the simplest mental model for internet payments we’ve seen, and it maps cleanly to how developers already build APIs and agents. (MDN Web Docs+3Coinbase Developer Docs+3Coinbase Developer Docs+3)
We’re building on Solana because x402 is network-agnostic with explicit support for SPL tokens; that makes USDC on Solana a fast, low-fee settlement asset for metered access, pay-per-call APIs, and autonomous agent commerce. The protocol specifies the 402 flow, while a facilitator handles verification and settlement so application teams don’t need to run chain logic themselves. (Coinbase Developer Docs+1)
Discovery matters, too. With the x402 Bazaar, services can be listed in a simple catalog so agents and developers can find endpoints, read machine-readable pricing, and pay programmatically. This is a credible path to “agentic commerce” where software can locate, price, pay, and consume capabilities on demand. Coinbase Developer Docs+1
How our infrastructure enables this: Layer2 Financial provides the operational substrate—treasury, custody, and bank connectivity—that sits behind the x402 flow. After a client pays and the facilitator settles on Solana, our treasury routes USDC to program wallets, reconciles across custodians, and, when needed, sweeps to or from fiat via established rails like ACH and Fedwire. Because the protocol keeps payment inside HTTP and the facilitator abstracts onchain verification, our stack can focus on reliability, compliance, and reconciliation rather than bespoke blockchain code—letting product teams ship web-native payments with enterprise-grade controls. Coinbase Developer Docs
In short, x402 gives us the internet’s missing payment primitive, Solana gives us the throughput and cost profile to make micropayments practical, and Layer2 Financial’s infrastructure turns those protocol-level wins into production-ready operations—from first 402 challenge to settled funds on Solana and reconciled books.
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