x402 vs AP2 vs ACP: Three Agent-Payment Standards, One Attribution Problem
x402 vs AP2 vs ACP: Three Agent-Payment Standards, One Attribution Problem AI agents are starting to spend money. Not in simulations — in production. They call paid APIs, buy compute, and pay for data. Three competing protocols emerged in 2025–2026 to standardize that payment flow: x402 — Coinbase + Cloudflare. Revives the HTTP 402 status code. Settles USDC on Base or Solana in ~2 seconds. Crypto-native. ACP — Agentic Commerce Protocol. Stripe + OpenAI. Credit-card rails with enhanced autho...
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