The Rollup How x402 Is Unlocking the Machine Payment Economy with Erik Reppel
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Nov 2, 2025 In a fascinating discussion, Erik Reppel, a leader at Coinbase Developer Platform and creator of the X402 payment standard, explores the revolutionary world of machine-to-machine payments. He breaks down how X402 enables seamless transactions between AIs and APIs. Reppel also reveals why previous payment standards faltered, the unique advantages of X402's neutral design, and his ambitious goal of scaling to one billion transactions. Plus, find out how AI agents will transform the landscape of composability and the innovative concept of giving chatbots their own wallets!
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A Universal Payment Language For Computers
- X402 is a simple open standard for transmitting payment intent between computers and services.
- It lets browsers or AI agents express how to pay and lets servers accept standardized payment methods.
Ends Vendor-Specific Payment Fragmentation
- X402 reduces fragmentation by giving agents one payment protocol to integrate instead of separate vendor-specific integrations.
- This makes it much easier for AI to transact across many services without bespoke connectors.
Crypto Today, Payment-Agnostic Tomorrow
- X402 is crypto-native today (stablecoins) but designed to be neutral so fiat rails can plug in later.
- The protocol aims to let consumers choose the payment mechanism they prefer.