The facilitator built for Europe.
x402 lets AI agents and apps pay per request. Penni makes that work for European businesses: priced in euro, run from the EU, invoiced properly, and without ever holding your money.
What you get with Penni.
We never hold it
Every payment goes from the payer straight to your own wallet. Penni checks it and puts it on-chain; no account, contract or payout schedule sits in between. If Penni disappeared tomorrow, your earnings would still be yours.
Priced like your business
Set prices in euro and get paid in EURC, Circle's euro stablecoin, with USDC and USDM alongside. No exchange-rate guessing on every request.
Hosted in the EU
Dashboard, facilitator and database run on European servers. No tracking scripts, no third-party fonts, and data kept only as long as we need it.
Three chains, one key
Accept payments on Base, Solana and Cardano behind the same API and dashboard, each with a free test network. Agents pay where their money already is.
Plug in where you are
A WordPress plugin, a Cloudflare Worker in front of any site, or one line of middleware. Prices per path live in the dashboard, not in your code.
Invoices your accountant accepts
Every top-up comes with a proper VAT invoice as a PDF: Dutch VAT, EU reverse charge with VIES-checked numbers, or no VAT outside the EU. Plus CSV exports and signed webhooks.
What it takes to do this yourself.
x402 is an open standard, so you can run your own facilitator. Here is what that involves, and what Penni handles for you.
| Part | On your own | With Penni |
|---|---|---|
| Facilitator servers | Run and update a facilitator per chain, with RPC providers and monitoring | Included, for Base, Solana and Cardano |
| Network fees | Keep a funded wallet per chain and watch its balance | Included in €0.002 per settlement |
| Prices | Hard-code amounts per route and redeploy to change them | Prices per path in the dashboard, live within a minute |
| Abuse protection | Stop strangers from spending your gas, replays, wrong recipients | Site keys, recipient and token checks, one-time settlement |
| Testing | Set up testnets, faucets and test wallets yourself | Free test mode and a test payment from your browser |
| Insight | Build your own logging and reporting | Revenue, payers and trends per site, webhooks and CSV |
| Being found | Publish your offer somewhere agents look | Opt-in listing in the x402 Bazaar discovery API |
Yes, free facilitators exist.
Some facilitators settle for free today. Someone still pays the network fees, usually investors, a token, or prices that change later.
- One honest price€0.002 per successful settlement (€0.001 on Cardano), excluding VAT. Verifications, failed attempts and test payments are free.
- No cut of your revenueA fixed fee, not a percentage: a €1 payment costs you the same as a €0.01 payment. Your customers' payments arrive in full.
- You stay in controlPrepaid credits with alerts, optional auto top-up with monthly limits, and your choice of what happens when credits run out.
- No lock-inPenni follows the x402 standard. Your integration speaks plain x402, so you can move to another facilitator whenever you like.
Who Penni is for.
Get paid when AI reads you
Let AI crawlers and agents pay per article, while your human readers and search engines read as before.
Sell calls without sign-ups
Charge per request with no API key handouts, billing accounts or card forms. Agents pay and get their answer.
Small prices, finally viable
Datasets, model outputs, images or tools priced in cents, settled in seconds, straight to your wallet.