Payments
x402 on Stellar
Unlock payments for the agent economy. Build with internet-native payments on Stellar.
What is x402?
402 is an open payment protocol that lets any API or web service charge per request—no platform accounts, no billing system, no API keys required. A client hits your endpoint, pays in crypto, and gets the resource. All in one HTTP round-trip.
For AI agents that need to discover and pay for services autonomously, this is the difference between a workflow that runs and one that stalls.
Use cases
Payments built for what comes next
For Institutions and Enterprises
Wanting to protect certain financial data while benefiting from the openness of a public blockchain, the Stellar network has solutions and tools that let them configure privacy on their own terms.
Agentic autonomy
AI agents can discover, authorize, and settle payments programmatically within user-defined spending rules. The workflow doesn't break where the payment begins.
Micropayments
Low, real-time settlement that makes fractional-cent pricing viable at scale.
Subscriptions and renewals
Users set programmable spending rules; agents execute payments within those parameters.
For Developers
Building applications with privacy features, the Stellar network provides privacy primitives for controlled data sharing along with a trusted network of institutions ready to support adoption.
Machine-to-machine payments (M2M)
High-frequency payments between automated systems — IoT devices, microservices, infrastructure — settling on Stellar within programmable spending rules.
Start building
Open & Transparent
The Stellar network is open by design, providing the transparency and interoperability institutions need to enable auditability and verifiability, build institutional trust, and deliver the scale and liquidity of a global network.
Opt-in Configurable Privacy
The Stellar network lets privacy to be opt-in and configurable at the application layer, like any other asset-specific feature. This gives developers the flexibility to innovate and institutions the ability to safeguard confidential information when it matters, where it matters.
Compliance-Ready
Compliance-focused privacy requires compliance considerations to be built into the design of the tool from the start. The privacy strategy for Stellar prioritizes support for privacy applications and tools that allow developers, asset issuers, and regulated institutions to configure privacy for their use case while addressing corresponding compliance obligations.
This can include access controls and association sets that help mitigate misuse by illicit actors, together with view keys and other disclosure mechanisms that support appropriate oversight, reporting, and compliance review where required.
4. Accept payments
Any client—browser, app, or AI agent—can now pay for your API per request. Funds typically settle on Stellar in approximently 5 seconds.
x402 Resources
Confidential Tokens
Allow for private payments between public addresses, keeping the value sent between two parties and their resulting balances confidential.
Stellar Private Payments (SPP)
Allow users to keep their address, transaction amounts, and balances private. SPP is a configurable open-source privacy pool implementation on the Stellar network by Nethermind.
ZK-Verifiers
Low-cost, onchain zero-knowledge proof verification, including support for RISC Zero/Groth16 and Noir/Ultrahonk.
Managed relayer
Stellar relayer SDK for building custom facilitators and transaction infrastructure.
OpenZeppelin’s Stellar Relayer SDK
A SDK providing a TypeScript/JavaScript client for interacting with the OpenZeppelin Relayer service.
OpenZeppelin’s Stellar Relayer docs
Quickstart, integrations, configuration, and roadmap.
x402.org
Official page and specifications for the x402 protocol.
OpenZeppelin smart account contracts
Programmable wallets with built-in rules — spending limits, multi-sig, scoped permissions — so agents can pay for things without needing a human to approve transactions.
Coinbase x402 GitHub
Repo for the X402 open standard for internet native payments, aiming to support all networks and forms of value (stablecoins, tokens, fiat).
Connect with partnerships
Want to build with x402?
Talk to our team about integrating x402 on Stellar.
x402 is an open-source payment protocol. It is not a regulated financial service, and neither the Stellar Development Foundation nor the Stellar network operates, controls, or intermediates x402 transactions. Users, AI agents, and service providers integrating x402 are solely responsible for compliance with all applicable laws and regulations in their jurisdictions, including money transmission, sanctions, and consumer protection requirements. Programmable spending controls are available through smart account contracts but do not guarantee regulatory compliance. USDC is issued by Circle Internet Financial, LLC and is subject to Circle's terms and conditions. Availability of x402-compatible services and supported assets may vary by jurisdiction. The Stellar Development Foundation does not custody user funds, process payments, or control the Stellar network. Third-party services referenced herein, including the OpenZeppelin facilitator and managed relayer, are operated independently and subject to their own terms and conditions.