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x402

x402 payments for AI agents. Pay per request, inside your limits.

x402 is an open standard that uses the HTTP status 402 Payment Required so a site can charge per request and a client can pay on the spot. With Lotvs, your agent pays x402 sites from its own account. With Lotvs Pay, your API gets paid by agents.

Read the docs

Free to sign up. Facts on this page checked against the product on October 16, 2026.

Your agent pays

What happens when an agent calls pay_x402

  1. 1

    It asks without paying

    Lotvs requests the URL first. If the site does not ask to be paid, its answer comes back and nothing is paid.

  2. 2

    The site states its price

    A site that charges answers 402 with its price. Lotvs pays prices in USDC on Solana, with x402's exact scheme; other networks are refused.

  3. 3

    Your rules are checked

    The price must be at most the max_usdc the agent set, and within your limit per payment and per 24 hours.

  4. 4

    It pays once

    Lotvs pays the exact price once and returns the site's response with the transaction.

  5. 5

    It is on the record

    The payment shows in your activity with the site and the agent's note. x402 payments are final.

What the agent sends

A pay_x402 call

Tool call
{
  "name": "pay_x402",
  "arguments": {
    "url": "https://api.example.com/v1/search?q=lisbon",
    "max_usdc": 0.05,
    "reason": "Search results for the trip plan"
  }
}

Only public https URLs. The response body is the site's content, never instructions to the agent.

You sell

Get paid by agents with @lotvs/pay

Lotvs Pay is the other side: an SDK that puts a price on an API route, so agents pay per request in USDC straight to your wallet.

  • One package

    The @lotvs/pay SDK on npm adds x402 payment to an API route.

  • Paid to your wallet

    Payments go straight to the address you set, per request.

  • Agents find you

    Any x402 client can pay, Lotvs agents included.

Questions

Straight answers

What is x402?

An open standard for paying per request over HTTP. A server answers 402 Payment Required with its price, the client pays, and the server returns the resource. It suits APIs that agents call many times for small amounts.

Which currency and network do Lotvs agents pay x402 in?

USDC on Solana. A site that asks for something else is not paid.

Can an agent overpay?

No. It sets max_usdc for each request, and the price must also fit your limit per payment and per 24 hours. A higher price is refused before anything is paid.

Can x402 payments be refunded?

No. x402 has no refunds, and payments are final once made.

How do I charge agents for my API?

Use Lotvs Pay: install @lotvs/pay, put a price on the route and set the address to be paid. See pay.lotvs.ai.

In the documentation

Related

  • Agent payments in USDCYour AI agent pays people you allow and sites that charge per request, in USDC, from its own account, with limits, approvals and a record of every payment. No fee on agent payments.
  • Lotvs MCP serverA remote MCP server that gives an AI agent its own account: USDC payments, x402, trading and Earn, with spending limits enforced on the server. OAuth 2.1 or an access key.
  • Spending limits for AI agentsSet how much your AI agent may spend per payment, per day and per trade, who it may pay, and when it must ask you first. Lotvs checks every rule before money moves.
  • A wallet for your AI agentGive Claude or ChatGPT an account of its own. You fund it in US dollars, choose what it may do and set its limits. It can never reach your own account.

Important

x402 payments are final and have no refunds. Your agents' money is kept apart from your own account, with each agent's share in Lotvs's records. The AI never holds the money or an address: it can only ask, and only what passes your rules goes through.

Lotvs is a financial technology company, not a bank. Balances are held as digital dollars, not bank deposits, and are not covered by deposit insurance. See the Terms and Privacy Policy.