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Exploring x402 — HTTP-Native Payments

2026-02-22

I've been tinkering with x402, an open protocol by Coinbase that brings payments directly into HTTP using the 402 Payment Required status code.

Why it's interesting

The web never had a native payment layer. We got API keys, subscriptions, OAuth — but never "pay per request." x402 changes that.

The flow is dead simple:

  • Client hits a paid endpoint
  • Server responds with `402` and a payment schema
  • Client signs a USDC payment and retries
  • Server delivers the resource

What I built

A pay-per-joke API. It charges $0.001 USDC per joke on Base Sepolia. The server uses @x402/express middleware, and the client uses @x402/fetch which auto-handles the 402 response.

What I learned

  • The middleware intercepts requests *before* your route handler runs
  • The client library handles everything — detect 402, sign, retry — zero manual work
  • Coinbase's facilitator verifies payments for free (1,000 tx/month)
  • Micropayments actually work when the infrastructure is this simple

What's next

I want to explore AI agents that can autonomously pay for resources. Imagine an agent that reads RSS feeds, finds relevant articles, and pays for premium content — all without human intervention.