Payment Options
Two ways to fund an account, and one way to pay without having one.
| Method | Best for | How you are charged | Withdrawable |
|---|---|---|---|
| Deposited USDC credits | Credit-style spending without stranding funds | Prepaid balance, drawn down per request | Yes |
| Fiat credits (Stripe) | Teams who want a card on file | Prepaid balance, drawn down per request | No - spend only |
| x402 | Autonomous agents with no account | Per request, at the moment of the call | n/a - you never fund a balance |
Deposited USDC creditsBest for · Credit-style spending without stranding fundsHow you are charged · Prepaid balance, drawn down per requestWithdrawable · Yes
Fiat credits (Stripe)Best for · Teams who want a card on fileHow you are charged · Prepaid balance, drawn down per requestWithdrawable · No - spend only
x402Best for · Autonomous agents with no accountHow you are charged · Per request, at the moment of the callWithdrawable · n/a - you never fund a balance
Deposited USDC creditsYou send USDC once. Spendable, and you can withdraw whatever you do not use.
Fiat creditsBought with a card. Spendable, but it can never leave - so it is spent first.
The two funded balances add up to a single spendable number, but they are not interchangeable underneath. Fiat credit can never be withdrawn and deposited USDC can, which is why fiat is always spent first - spending the non-withdrawable money first preserves the money you can still get back.
- No accountx402 - the 402 challenge is the whole signup
- Funded, withdrawableDeposited USDC credits
- Funded, card on fileFiat credits via Stripe
- Deposited USDC & Withdrawals - deposit USDC, spend it like credit, withdraw the remainder
- Fiat Payments - card top-ups through Stripe
- x402 Protocol - HTTP 402 per-request payments, no account required