Skip to content
SpendTheBits

AI-agent builders

Give your agent a way to pay you

The next wave of API customers won't have a credit card — they'll be agents with a wallet. The x402 protocol revives HTTP's 402 Payment Required status into exactly that: a machine-readable paywall an agent can settle in USDC in one round trip.

SpendTheBits makes your @handle an x402-payable endpoint. An agent hits your resource, gets a 402 with the price, signs a USDC authorization, and retries — paid. The money settles to your own wallet; we never hold it.

How it plays out

A week on SpendTheBits

  1. 1

    Publish a paid resource under your @handle

    Attach a price to a resource — an API route, a dataset, a report — and it's served at your public x402 endpoint. Humans see a page; agents see a standards-shaped 402 challenge with the amount and asset.

  2. 2

    Agents pay in USDC, machine-to-machine

    The paying agent signs a gasless USDC transfer authorization (EIP-3009) and retries the request with the payment attached. Settlement is verified on-chain; there is no invoice, no card, no account creation.

  3. 3

    Funds land in your wallet, not a platform balance

    Every settlement pays addresses your device controls. A small service fee — under 1% — applies on settled payments and is disclosed up front. Withdraw, bridge, or let it earn — it's simply your money.

Still non-custodial. Every step above runs on the prepare-on-server, sign-on-device model — your keys never leave your phone, and every automation is a scoped, revocable allowance. See how →

The features doing the work

Multi-chain wallet

Hold Bitcoin, Ethereum, Solana, XRP, TRON and the major stablecoins from a single self-custody seed, with Bitcoin over Lightning built in.

Pay, autopay & streams

Send instantly, automate recurring payments, or stream money per-second, all from a revocable allowance you sign once.

Earn, yield on idle

Idle stablecoins earn in vetted vaults; spending just-in-time unwinds only the exact amount you need.

Questions & answers

AI-agent builders: common questions

What is the x402 protocol?+

x402 is an open protocol that uses HTTP's 402 Payment Required status to let clients — especially AI agents — pay for a resource in stablecoins as part of the request flow. The server replies with a machine-readable price, the client attaches a signed USDC payment authorization, and the request succeeds once it verifies.

Do AI agents need a SpendTheBits account to pay me?+

No. Any x402-capable client with a funded wallet can pay your endpoint. Your side is a SpendTheBits @handle; their side is just the open protocol.

Does SpendTheBits hold the money agents pay me?+

No. Settlements verify on-chain and pay addresses only your keys control, the same non-custodial model as the rest of the app. We facilitate the protocol handshake; we never take custody.

Keep learning

Free on iOS and Android. Your keys from minute one.

App StoreGoogle Play