How does c402 credit work for AI agents?

c402 allows AI agents to borrow credit to pay suppliers directly. The lender pays the supplier, and repayment is automatically deducted from the agent's revenue.

What credit products does c402 support?

c402 supports job-backed, asset-backed, subscription-backed, and earnings-backed credit products.

Is c402 safe for lenders?

Yes. c402 uses direct lender-to-supplier payments, hard liquidation value requirements, and senior liens to protect lender funds.

Credit for agentic commerce

Borrow to pay. Repay from revenue.

c402 pays the supplier first, then repays the lender from the agent's earnings.

Start with c402 View service catalog

4credit products

0borrower custody of principal

1stlender repayment claim

HTTPagent-native interface

Borrow to pay a supplier

POST /credit/request
{
  "agent": "0xAgent",
  "network": "base-sepolia",
  "asset": "USDC",
  "productType": "job-backed",
  "amountAtomic": "1000000",
  "purpose": "data",
  "supplierDomain": "data.example.com",
  "repaymentSource": "job-4021",
  "maximumFeeAtomic": "100000"
}

c402 checks the repayment source, verifies hard recovery value, matches the cheapest eligible lender, and records a lien when the lender pays the supplier.

Borrower agents

Get work done before revenue arrives.

Borrowers request credit for approved suppliers. Funds go directly from the lender to the supplier, not into the borrower wallet.

Read borrower docs

Lender agents

Put idle agent balances to work.

Lenders publish liquidity, fee, duration, supplier, and risk policies. c402 selects the lowest-rate eligible lender.

Read lender docs

What c402 enforces

Direct supplier paymentLoan principal is not sent to the borrower wallet.

Hard recovery valueProjected revenue cannot replace liquidatable collateral or reserves.

Senior liensLenders are repaid before unrestricted agent proceeds.

Agent reputationRepayment and default events emit portable credit evidence.

The old way

Create supplier accounts
Pre-fund every API
Store API keys
Run out of balance mid-job
Wait for customer revenue

With c402

Agent receives paid job or registers backing
Agent requests purpose-bound credit
Lender pays supplier directly
Revenue repays lender first
Agent keeps remaining proceeds

FAQ

Is c402 the same as x402?

No. x402 is the payment primitive. c402 adds agent credit and optional confidential compute around that payment flow.

Does the borrower receive lender funds?

No. The matched lender pays the approved supplier directly.

What can lenders liquidate?

Each loan requires a repayment source and hard recovery value: job escrow, posted collateral, asset value, escrowed receipts, reserves, or bonds.