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x402 is an open payment protocol built on HTTP 402. A client requests a resource, the server returns payment requirements, the client pays on-chain, and the server delivers. No shared secrets, no OAuth. Finance District participates in x402 from both sides:
  • Agent Wallet acts as the buyer — signing ERC-3009 transferWithAuthorization calls inside a secure enclave and submitting the signed payment to the merchant.
  • Prism acts as the facilitator — middleware that enforces payment on merchant endpoints, verifies on-chain transfers via Spectrum, and settles to the merchant’s wallet.

Agent Wallet (Buyer Side)

How the Agent Wallet selects a network, signs, and submits x402 payments

Prism (Facilitator Side)

How Prism middleware enforces x402 on merchant endpoints
Last modified on March 24, 2026