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How it works

From request to paid in about two seconds.

x402 lets a client pay for a single request with a signed stablecoin transfer. Penni is the facilitator in the middle: it checks the payment and puts it on the blockchain. You keep control of prices and of the money.

One paid request

What happens on the wire.

Your server stays in charge. Penni never sees your content and never holds the payment: the transfer goes straight from the payer's wallet to yours.

One paid request, step by step The agent requests a page, gets a 402 with a price, signs a transfer and retries. Your server asks Penni to verify and settle; Penni submits the transfer on-chain, the money moves from the payer to your wallet, and your server returns the content. Agent Your server Penni Blockchain GET /premium/report 1 402 · price: €0.05 EURC 2 signs transfer to your wallet 3 retry + PAYMENT-SIGNATURE 4 verify, then settle (site key) 5 submit signed transfer 6 €0.05 payer → your wallet 7 success · tx 0x9f2c…3a1c 8 200 OK · report.pdf 9
  1. 1–2

    Ask and quote

    A request without payment gets 402 and the price, in the standard x402 format Penni prepared for that path.

  2. 3–4

    Sign and retry

    The agent signs a transfer of exactly that amount to your wallet. Nothing moves yet; it is a signed promise.

  3. 5–7

    Verify and settle

    Penni checks the signature, amount, token and recipient, then submits it on-chain. On Base and Solana we pay the network fee.

  4. 8–9

    Serve

    With the transaction hash in hand, your server returns the content. The money is already yours.

Setting up

Ten minutes, once.

Everything happens in the dashboard. No smart contracts to deploy and no tokens to buy.

Create an account

  1. Create an accountInvite your team as owner, admin or viewer.
  2. Add a siteA domain or API, and the wallets where payments should land: one per chain you accept, on Base, Solana or Cardano.
  3. Choose tokensEURC on Base is selected by default. Add USDC, EURC or USDC on Solana, or USDM on Cardano.
  4. Set pricesOne default price per site, plus rules per path: /premium/** at €0.05, /api/search at €0.002, /blog/* free.
  5. Test for freeSelect a test network (Base Sepolia, Solana Devnet or Cardano Preprod) and press "Pay with test tokens" to see a full payment land in your wallet. No credits needed.
  6. Top up creditsWhen you go live, pay for settlements in advance, from €5 in EURC or by card or iDEAL. See pricing.
  7. Connect your serverCreate a site API key and install the WordPress plugin, a Cloudflare Worker or our middleware, or make three HTTP calls yourself. See the developer guide.
Safety

What Penni checks before it settles.

A signed payment only goes on-chain if every check passes. Failed checks cost you nothing.

  1. It comes from your serverEvery verify and settle call carries your site's API key. Without it, nobody can spend our gas in your name.
  2. It pays youThe recipient must be the wallet you set for the site. A payment to any other address is refused.
  3. In a token you acceptOnly the tokens you selected, on the network you selected.
  4. The signature and amount are rightThe facilitator checks the signature, the amount, the validity window and the payer's balance before submitting.
  5. You have creditsIf your balance can't cover another settlement, verification stops, so you never serve content you can't get paid for.
For payers

What your customers need.

A wallet with a supported stablecoin on Base, Solana or Cardano, and a client that speaks x402. That's it: no sign-up, no card, no subscription.

AI agents

Pay as they browse

Agent frameworks with x402 support pay for each call or page on their own, within the budget their owner set.

Apps & scripts

Software paying software

Any HTTP client can read the 402, sign with a wallet library and retry. No API key to request first.

People

One click, no account

A browser wallet can pay a few cents for one article instead of a monthly subscription.

Ready to name your price?

Create an account