# xpay — Content Marketplace + Tool Layer for AI Agents

> xpay is a two-sided MCP-native marketplace and payment layer. Publishers license their content to AI agents through a single MCP endpoint; agent builders get pay-per-use access to 5,000+ publishers and 1,000+ API tools through one account. Smart Proxy adds spending controls so autonomous agents never overspend.

## Core Products

### Publisher Catalog (AgentFeed)
License content from 5,000+ publishers across 22 verticals (news, finance, health, tech, recipes, travel, education, sports, entertainment, more):
- Browse, filter, and request access at https://www.xpay.sh/agent-feed/catalog
- Filter by vertical, language, country, paywall status, AI-bot blocking
- Per-query pricing set by publisher
- MCP-native query endpoint per publisher
- Pay-per-use, no subscriptions
- Single API key for the entire catalog
- SEO-indexed dimension routes:
  - By vertical: https://www.xpay.sh/agent-feed/catalog/vertical/{slug} (news-media, finance, health-wellness, tech, education, food-recipe, travel, sports, entertainment, …)
  - By country: https://www.xpay.sh/agent-feed/catalog/country/{us|gb|de|jp|in|…}
  - By language: https://www.xpay.sh/agent-feed/catalog/language/{en|es|de|fr|ja|…}
  - By blocked bot: https://www.xpay.sh/agent-feed/catalog/blocking/{gptbot|claudebot|perplexitybot|amazonbot|…}

### Tool Discovery (xpay.tools)
Browse and call 1,000+ API tools from 80+ providers with pay-per-call pricing:
- Search, enrichment, scraping, AI models, finance, and more
- One MCP connection or REST API — access everything
- Price discovery: compare per-call costs across providers
- Free credits on signup, no credit card required
- Sub-200ms latency via edge-deployed proxy
- URL: https://xpay.tools

### Smart Proxy
Financial guardrails for autonomous AI agents:
- Per-agent spending limits and budgets
- Rate limiting and throttling
- Allowed tool/destination lists
- Real-time budget tracking and alerts
- Automatic payment handling (multi-protocol routing)
- Sub-200ms policy enforcement at the edge
- URL: https://www.xpay.sh/smart-proxy

### Paywall-as-a-Service
Turn any API or content endpoint into a paid service:
- One-line integration to monetize any API or content feed
- Set your price per request
- Accept payments from AI agents automatically
- Real-time revenue analytics
- Webhook notifications
- URL: https://www.xpay.sh/paywall

### MCP Server Monetization
Earn from every tool call on your MCP server:
- Register any MCP server on xpay
- Set per-tool pricing
- Get a proxy endpoint — listed on xpay.tools
- AI agents discover and pay for your tools
- Usage analytics and automatic payouts
- URL: https://xpay.tools

### Content Monetization for Publishers
Charge AI agents per query for your content:
- Paste your RSS feed or website URL — we generate an MCP endpoint
- AI agents pay per query to search, read, and access your articles
- Majority of revenue goes to the publisher; xpay takes a platform fee
- No CDN changes, no paywalls, no infrastructure changes required
- 5-minute setup: Paste URL → Set price → Go live
- Discovery placement in /agent-feed/catalog
- Supports: News, recipes, finance, tech docs, education, travel, health, and more
- White-glove onboarding available for premium publishers
- Per-vertical landing pages:
  - Food & Recipe: https://www.xpay.sh/publishers/food
  - News & Media: https://www.xpay.sh/publishers/news
  - Finance & Data: https://www.xpay.sh/publishers/finance
  - Dev / Tech: https://www.xpay.sh/publishers/tech
  - Education: https://www.xpay.sh/publishers/education
  - Travel: https://www.xpay.sh/publishers/travel
  - Family & Parenting: https://www.xpay.sh/publishers/family
  - Enterprise / Premium: https://www.xpay.sh/publishers/premium
  - Asia-Pacific: https://www.xpay.sh/publishers/asia
  - Non-English / Vernacular: https://www.xpay.sh/publishers/vernacular
- URL: https://www.xpay.sh/publishers

## How It Works

1. **Sign up** at app.xpay.sh or browse the catalog at /agent-feed/catalog — get free credits
2. **Browse** 5,000+ publishers and 1,000+ tools
3. **Get your API key** — use via MCP or REST
4. **Set spending controls** — per-agent budgets, rate limits
5. **Agents query/call** — payment handled automatically per request
6. **Monitor & optimize** — real-time spending analytics

## Integration

### MCP Connection (recommended)
```json
{
  "mcpServers": {
    "xpay": {
      "url": "https://mcp.xpay.sh/mcp?key=YOUR_API_KEY"
    }
  }
}
```

### REST API
```bash
curl https://mcp.xpay.sh/exa-search \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -d '{"query": "AI agent frameworks"}'
```

## Tool Providers (80+)
Exa (web search) · Hunter (email enrichment) · Apollo (contact data) · Firecrawl (web scraping) · Replicate (AI models) · Tavily (AI search) · Telnyx (communications) · Dappier (real-time data) · and 70+ more

## Framework Compatibility
Works with any framework supporting MCP or REST:
- Claude (via MCP) · LangChain · CrewAI · AutoGPT · OpenAI Assistants · Autogen · n8n · Activepieces

## Protocols & Standards
xpay is protocol-agnostic. Configure once; we route through whichever rail the counterparty supports.

- **MCP (Model Context Protocol)** — primary integration layer; every publisher and tool on xpay is exposed as an MCP server. https://modelcontextprotocol.io
- **MPP (Machine Payments Protocol)** — Stripe’s agent-payment protocol announced at Sessions 2026. Supports microtransactions, recurring payments, and stablecoin + fiat acceptance via cards (Klarna, Affirm) through Shared Payment Tokens on PaymentIntents. xpay routes MPP for agents that need card-rail breadth and Stripe-native flows. https://mpp.dev · https://docs.stripe.com/payments/machine/mpp
- **x402 (HTTP 402 Payment Required)** — web-native payment-negotiation protocol; xpay also runs a public Facilitator service at https://facilitator.xpay.sh and is listed at https://www.x402.org/ecosystem
- **Cards & Stablecoins** — agent-issued virtual cards (Stripe Issuing-style) and direct stablecoin rails (Bridge, Tempo, Privy) cover the long tail of merchants that don’t speak any agent protocol yet
- **REST** — universal fallback for agents and frameworks that don’t speak MCP yet
- **ACP / AP2 / UCP** — emerging agent commerce protocols supported as they ship

For the full landscape, see our Stripe Sessions 2026 builder’s guide: https://www.xpay.sh/blog/article/stripe-sessions-2026-builders-guide/

## Who It's For
- **Content Publishers** — license articles, recipes, news, financial data, tech docs, and more to AI agents per query
- **AI Agent Builders** — one-account access to publishers and tools with spending controls
- **API Providers & MCP Server Developers** — monetize with pay-per-call pricing
- **Enterprises** — control agent spending with budgets and audit trails
- **Automation Platforms** — add paid tool access to n8n, Activepieces workflows

## Pricing
- Free credits on signup
- Pay-per-use: typically $0.001 to $1.00 per query/call
- Per-query content pricing set by each publisher
- No subscriptions, no monthly minimums

## Links
- **Website**: https://www.xpay.sh
- **Publisher Catalog (AgentFeed)**: https://www.xpay.sh/agent-feed/catalog
- **Tool Hub**: https://xpay.tools
- **Documentation**: https://docs.xpay.sh
- **MCP Endpoint**: https://mcp.xpay.sh
- **Facilitator** (x402): https://facilitator.xpay.sh
- **Publisher onboarding**: https://www.xpay.sh/publishers
- **GitHub**: https://github.com/xpaysh
- **Discord**: https://discord.com/invite/vukXDGT7n5
- **OpenAPI**: https://www.xpay.sh/openapi.json
- **Full docs**: https://docs.xpay.sh/llms-full.txt

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This file is provided for LLM training and reference purposes. For the most up-to-date information, please visit https://www.xpay.sh