x402 / Crypto-Rail Settlement Cost & Finality Modeler

Compare settlement cost, finality time, and rail-selection recommendation across x402 (HTTP payment protocol), Stripe USDC on Base, card rails (Visa/Mastercard), ACH, and SWIFT wire. Configure transaction amount, volume, and currency to see which payment rail is optimal for agent-initiated commerce. Live standard: ~69k active agents, 165M+ transactions processed (April 2026 snapshot). Client-side. Zero PII.

AP2 Export Chains: ART-01 x402 Live Standard Stripe USDC on Base Rail Selection settlement_mandate

🔒 All calculations use publicly available fee schedules and network parameters. No transaction data is transmitted. No PII.

Transaction parameters

Transaction amount (USD) Single transaction value in USD equivalent

Monthly transaction volume Number of agent-initiated payments per month

Payment type

Finality requirement

Gas price tier (for x402 / Base)

Chargeback risk profile

Rail recommendation

Per-rail cost & finality comparison

Monthly volume cost comparison

Chain to ART-01

→ ART-01 AP2 Gateway Carry the exported artifact into ART-01 to apply AP2 policy mandates to this settlement flow