Onchain payments
via x402
zfolio uses the x402 payment protocol for everything. Buy credit packs with your wallet, or let AI agents pay per request in USDC on Base. No cards, no accounts, no chargebacks.
What is x402?
x402 is an open payment protocol that uses HTTP 402 status codes to negotiate onchain payments. Instead of card numbers or payment forms, your wallet signs a message and funds settle directly on Base.
No cards, no forms
Connect your wallet and sign. No credit card numbers, no billing addresses, no account setup required.
Instant settlement
Payments settle on Base in seconds. Credits are available immediately after the onchain transfer confirms.
Gasless for buyers
You sign a typed message, the facilitator submits the transaction. No ETH needed for gas.
How it works
Here's what happens when you buy credits on zfolio.
Click buy
Choose a credit pack and select USDC as your payment method.
Sign in your wallet
Your wallet prompts you to sign an authorization message. This is not a transaction, just a signature.
Payment settles
The Coinbase facilitator verifies your signature and settles the USDC transfer onchain.
Credits arrive
Your credit balance updates immediately. Start generating right away.
Under the hood
x402 uses the HTTP 402 "Payment Required" status code. When your browser hits a paid endpoint, the server responds with 402 and a description of what payment it accepts. The @x402/fetch client library handles the negotiation automatically, prompting your wallet to sign and retrying the request with proof of payment.
For AI agents
zfolio is agent-native. Any AI agent with a USDC wallet can generate images and videos by paying per request. No API keys, no signup, no integration.
Pay per request
Each generation is a single USDC micropayment. Agents pay exactly what the model costs, from $0.02 per image.
Auto-discoverable
zfolio is listed on agentic.market and CDP Bazaar. Agents find us automatically when searching for image or video generation.
28 models, one endpoint
Agents access the same 28 AI models as the web app. One unified API, per-model pricing, instant results.
Discover
Agent calls GET /v1/x402/models to see available models and USDC prices.
Request
Agent sends a generation request. Server returns 402 with the exact price in USDC.
Pay
Agent signs a USDC authorization and retries. Payment settles on Base in seconds.
Receive
Server returns the generated image or video URL. For longer jobs, a receipt ID for polling.
Agent endpoints
GET /v1/x402/modelsModel catalog with USDC pricingPOST /v1/x402/generate/:modelGenerate (returns 402, then result after payment)GET /v1/x402/receipt/:idPoll for async results (free)Credit packs
1 credit = $0.01 USD. Buy in packs, spend across any model.
Supported tokens
Payments settle on Base (chain ID 8453).
| Token | Network | Status |
|---|---|---|
| USDC | Base | Live |
| $FOLIO | Base | Coming soon |
FAQ
Do I need ETH for gas?
No. USDC payments are gasless. You sign a message and the Coinbase facilitator submits the transaction on your behalf.
What network do I need to be on?
Base mainnet (chain ID 8453). Make sure your wallet is connected to Base before purchasing credits.
What wallets work?
Any wallet that supports EIP-712 typed data signing. MetaMask, Coinbase Wallet, Rainbow, OKX, and most browser and mobile wallets.
Can I get a refund?
Credits are non-refundable once purchased. Since payments settle onchain, there are no chargebacks. Unused credits remain on your account indefinitely.
What if the payment fails?
If settlement fails, no credits are deducted and your USDC stays in your wallet. You can try again immediately.
Can AI agents use zfolio?
Yes. AI agents can generate images and videos by paying per request in USDC. No API key or account needed. Agents discover zfolio through agentic.market and pay via the x402 protocol automatically.
What are receipts?
When an agent pays for a generation, they get a receipt ID. If the result takes time (video models), they poll the receipt endpoint for free until the result is ready. Receipts also serve as proof of payment.
Will $FOLIO be supported?
$FOLIO token payments are planned. When live, you'll be able to buy credits with $FOLIO at a fixed rate.