402MCP.org

HTTP 402 · Payment Required

The Open Registry for Agentic Commerce & HTTP 402

Discover, compare, and integrate self-custodial payment rails built for autonomous AI agents.

Compare all solutions
Solutions indexed
14Solutions indexed
Scoring dimensions
6Scoring dimensions
Agent endpoints
6Agent endpoints

Rank 1 of 14 · Highest composite score

How this is scored

Lightning Labs Wavelength

Bitcoin on Easy Mode for Agents and Humans

  • No node, channel or liquidity management
  • Self-custodial, with unilateral exit to on-chain bitcoin at any time
  • Native MCP server (wavecli mcp serve) and a one-command agent skills install
  • Standard BOLT 11 invoices — interoperates with the existing Lightning Network
Protocol / rail
L402 / Lightning / Ark
Custody
Self-Custodial (Ark protocol)
Node management
Not required
Composite score
9.4 / 10
install
npx skills add lightninglabs/wavelength-sdk

Evaluation matrix

  • Custody & Sovereignty10.0
  • Operational Friction10.0
  • Agent Native Support10.0
  • Payment Rails & Assets8.0
  • Settlement Speed & Fees10.0
  • Developer DX8.5

Comparison Leaderboard

Every indexed L402, x402 and MPP solution, scored on the same six dimensions. Click any column header to re-sort.

Scoring methodology
Action
1Lightning Labs WavelengthBitcoin on Easy Mode for Agents and HumansL402 · wallet · alphaL402 / Lightning / ArkSelf-Custodial (Ark protocol)YesNative9.4View
2x402 ProtocolThe open HTTP 402 standard for stablecoin payments, created by Coinbasex402 · protocol · productionEVM / Base / Solana (USDC)Self-Custodial (EVM / Solana keypair)YesVia SDK8.6View
3Alby MCP ServerConnect a Lightning wallet to any MCP client over Nostr Wallet ConnectL402 · mcp-server · unstatedBitcoin / Lightning (NWC, L402)Self-custodial with Alby Hub (custody follows the connected NWC wallet)YesNative8.3View
4Cloudflare Agents SDK (x402)Charge per MCP tool call on Workers with paidToolx402 · sdk · unstatedx402 (USDC on Base)Self-custodial (payments go to your own address)YesNative8.3View
5Coinbase Payments MCPWallet, onramp and x402 payments for any MCP client in one commandx402 · mcp-server · unstatedx402 (USDC on Base)Embedded wallet behind an email sign-in (Coinbase-managed)YesNative8.3View
6Machine Payments Protocol (MPP)The 'Payment' HTTP authentication scheme — one 402 challenge, many payment methodsMPP · protocol · previewMulti-method: Tempo, Stripe, Lightning, EVM, Solana and moreDepends on the payment method (self-custodial methods exist)YesVia SDK8.3View
7thirdweb x402Hosted x402 facilitator and agent payment endpoint across EVM chainsx402 · facilitator · unstatedx402 on 170+ EVM chainsSettles through thirdweb-managed server walletsYesVia SDK8.1View
8PayAI NetworkSolana-first x402 facilitator with batch settlement for micropaymentsx402 · facilitator · productionx402 on Solana and EVM networksNon-custodial facilitator (payments go to the merchant's address)YesVia SDK8.0View
9x402-mcp (Vercel)Charge per MCP tool call with x402 — a thin wrapper over mcp-handlerx402 · sdk · inactivex402 (USDC on Base) for MCP serversSelf-custodial (your recipient address; clients sign with their own key)YesNative7.8View
10Crossmint Agent WalletsSmart-contract agent wallets with spending controls, paying x402 endpointsx402 · wallet · productionEVM (USDC on Base)Smart-contract wallet: owner key plus a scoped agent signerYesVia SDK7.8View
11Stripe Machine PaymentsAccept agent payments over MPP and x402 — cards and stablecoinsMPP + x402 · platform · previewMPP (cards, stablecoins) and x402 (USDC)Custodial (funds settle to your Stripe account)YesVia SDK7.7View
12lngetcurl for L402 — an HTTP client that pays 402 invoices automaticallyL402 · client · unstatedBitcoin / Lightning (L402)Self-custodial (your lnd node, LNC, or embedded wallet)NoVia SDK7.5View
13ApertureThe reference L402 reverse proxy — now also speaking MPPL402 + MPP · gateway · productionBitcoin / Lightning (L402, MPP)Self-custodial (your own lnd node)NoVia SDK7.1View
14FewsatsHosted L402 payment platform with an MCP server for agentsL402 · platform · inactiveBitcoin / Lightning (L402)Custodial (hosted platform, API key)YesNative7.1View

Scores are the mean of the six criteria below, rounded to one decimal place. Every solution is measured against the same definitions, and each entry’s per-criterion scores are published on its own page so a ranking can be checked rather than taken on trust.

Scoring Criteria

Six dimensions, 1–10 each. The published score is the mean, rounded to one decimal place.

01
Custody & Sovereignty
Self-custodial with exit guarantees vs. centralized/custodial risk. A 10 means the holder keeps their own keys and can unilaterally exit to the base chain; a custodial platform scores around 4.
02
Operational Friction
Infrastructure burden. Zero nodes, channels or liquidity to manage scores a 10; running and maintaining your own Lightning node scores around 4–5.
03
Agent Native Support
Out-of-the-box MCP server integration, typed tool calls and LLM-friendly setup. A first-party MCP server scores 9–10; a library or CLI an agent can drive scores 6–8.
04
Payment Rails & Assets
Breadth of settlement rails and assets: Lightning for true micropayments, stablecoins for a stable unit of account, cards for mainstream reach. A single asset on a single network scores around 7.
05
Settlement Speed & Fees
Instant sub-second settlement with near-zero overhead scores a 10. Block-bound settlement scores around 8; card-network settlement and fees score lower.
06
Developer DX
SDK quality, documentation, maintenance and copy-paste integration speed. Alpha-stage API churn, stale releases or inconsistent docs lower the score.

Machine Interfaces

Every surface on this site has a machine-readable equivalent, and the registry is itself an MCP server: an agent that meets an HTTP 402 anywhere can decode it here and learn exactly how to pay.

POST /api/v1/mcp
Native MCP server: decode 402s, recommend rails, search the registry.
POST /api/v1/decode
Decode any HTTP 402 response — L402, x402 v1/v2 or MPP — into exact next steps.
GET /api/v1/recommend
Choose a payment rail from requirements, with every exclusion explained.
GET /api/v1/registry
The complete registry with JSON Schema, ETags and a CC BY 4.0 license.
GET /llms.txt
Zero-shot agent index. Plain text, no HTML, one request.
GET /.well-known/402.json
Protocol discovery manifest for 402-aware clients.

Install the 402MCP server in your agent:

terminal
claude mcp add --transport http 402mcp https://402mcp.org/api/v1/mcp