Pricing

From 0.5% of what settles

You are not charged per request, per retry, or per guarantee that never settles. Build free on testnets, pay when a cycle settles on mainnet, and keep the yield your collateral earns.

Start buildingTalk to our team

Free on testnets. Your rate drops as your volume grows.

How it works

Four things decide what you pay

Only one of them is a fee.

Build for free

Use the full SDK, facilitator, and testnets at no cost. Nothing meters until you settle on mainnet.

Pay 0.5% of what settles

Your rate applies to the volume a cycle settles, not to the requests you authorise. Retries and rejected guarantees cost nothing.

Pay gas once per cycle

Authorisation stays off-chain. Double your traffic and your gas bill barely moves, because cadence sets the number of writes.

Keep the yield

Your stablecoin collateral earns while it backs open guarantees, and that yield accrues to your position.

The fee

How we calculate the fee

One calculation, once per cycle.

fee = net settled volume × your rate

  1. 01

    Guarantees stack up

    Each authorised request adds a signed guarantee to the open cycle. You pay nothing and nothing touches the chain.

  2. 02

    The cycle nets

    When the cycle closes, what you and your counterparty owe each other cancels out. One net position remains.

  3. 03

    Your rate applies

    We apply your rate to that net figure and commit the settlement on-chain, with every guarantee still on record.

  • Netting shrinks the fee base. Offsetting flows cancel before anything moves.
  • 0.5% is the starting rate. It steps down as your settled volume grows, and we confirm your rate in writing before you go live.
  • Network gas is separate. You pay it once per cycle.

Who this is for

Who pays the rate

Whoever settles the volume pays the rate.

Primary

Facilitators

You clear the volume

Every seller behind your endpoint nets into your cycles. You pay the rate on what settles, and gas once per cycle instead of once per call.

0.5% of settled volume · gas per cycle

Facilitators

API providers

You set the price

Charge what you like per request and get paid in stablecoins each cycle. Clear directly and you pay the rate. Clear through a facilitator and they pay it.

0.5% of what you clear directly

API providers

Agent frameworks

You fund the credit

Post the collateral and set each agent's limits. Your cost tracks what you hold and what your agents clear.

Collateral held · volume cleared

Agent frameworks

Agents never pay. An agent spends against its operator's collateral, inside the limits the operator sets, so the bill goes to the operator.

Facilitators first

Settle in cycles, not per request

Settle every request on-chain and you pay for every call. Settle in cycles and you pay for cycles.

One cycle, two counterparties

You owe them$40,000
They owe you$27,000
One payment settles$13,000

Two balances, one movement. Your rate applies to the $13,000 that settles, not the $67,000 that changed hands. Netting changes what moves, not what is recorded — every guarantee stays auditable.

Gas tracks cycles, not calls

Double the requests through your facilitator and your settlement cost stays the same. Your cadence sets the number of writes.

Offsetting flows cancel

When the parties behind your endpoint pay each other, those obligations net out before anything settles. Your fee base shrinks with them.

No clearing stack to run

Add a scheme instead of building collateral accounting, netting, and settlement infrastructure yourself.

Calculator

Check the maths against your volume

Set your own numbers. The baseline is settling every x402 request on-chain, which is what per-request payment costs today.

1M
$0.01
Daily
0.50%
$0.010
$10,000
5.0%

One settlement per request

Payment volume$10,000
On-chain settlements1M
Network gas$10,000
Net monthly cost$10,000

With 4Mica

Payment volume$10,000
On-chain settlements30
Network gas$0.30
Fee$50.00
Yield on collateral− $41.67
Net monthly cost$8.63

Saved per month

$9,991

Transactions avoided

1M

Lower settlement cost

99.9%

Illustrative, not a quote. You control the rate, gas, and yield here. Gas moves with the chain, yield is variable, and we confirm your rate before you go live.

Yield

Your collateral earns while it works

Backing payments does not mean sitting idle.

Supplied to Aave

Your configured stablecoin collateral goes into Aave's lending markets, and the protocol holds the interest-bearing aTokens.

Earns while reserved

Reserving capacity for a guarantee locks the capacity, not the accrual. Your stablecoin keeps earning through the cycle.

The yield is yours

Yield accrues to your collateral position, not to the seller you pay. It offsets the cost of holding the capital.

Variable, not guaranteed

Supply rates move with the market, and your principal carries smart-contract, depeg, and liquidity risk. Check the deployment before you deposit.

Large volume

Your rate drops as you grow

Facilitators, marketplaces, and networks settling at scale get an individual rate rather than the standard 0.5%.

Talk about volume pricing
  • A rate below 0.5% that steps down as your settled volume grows
  • A lower rate in exchange for a volume commitment
  • Yield-sharing on the collateral you post
  • Cadence and cycle windows tuned to your flow
  • Dedicated support, custom SLAs, and a security review

Included

Every integration gets the same rails

Your rate changes with volume. The payment model does not — the same rails run from your first sandbox request to production.

Non-custodial collateral

Your collateral stays in protocol contracts and backs your open obligations.

Batched settlement

Thousands of off-chain guarantees collapse into one on-chain settlement.

Yield-aware design

Supported collateral earns while it backs credit-based payments.

SDK-first integration

TypeScript and Python clients over x402-compatible HTTP flows.

Your collateral stays under protocol control and keeps earning while it backs payments. 4Mica never holds your funds.

FAQ

Questions about the fee

What does 4Mica cost?

0.5% of the volume that settles in a cycle, plus network gas on the settlement transaction. Testnets are free. Your rate drops as your settled volume grows.

Who pays the fee?

Whoever holds the clearing relationship: the facilitator for volume routed through their endpoint, or the provider clearing directly. We put it in writing before you go live. Agents never carry it — their operator does.

Am I charged per request?

No. Authorising a request happens off-chain, with no gas and no fee. Your rate applies to the net volume that settles when a cycle closes.

What if a cycle nets to zero?

Nothing settles, so you pay nothing. That is the point of netting.

Who pays the gas?

You do, on the settlement transaction and on collateral actions like deposits and withdrawals. Because you settle once per cycle, gas stops scaling with your traffic.

Does yield reduce my fee?

No, they are separate. Yield accrues to your collateral and offsets the cost of holding capital. The fee applies to settled volume. The calculator shows both, so you can see the net.

Is there a free tier for production?

Testnets are free and unmetered. Mainnet volume is priced. If you are still validating, we would rather agree a small initial arrangement than have you rebuild later.