Solution

Credit-backed, capital-efficient, and instant payments for any service — web3 or traditional.

4Mica is the payment clearing and settlement infrastructure behind x402: agents and APIs pay on credit, any x402 facilitator can verify the request, and balances settle net in stablecoins.

Problem

Any service deployed on web3 rails lacks a capital-efficient, cheap, and non-custodial way to pay in real time.

Current workarounds lead to:

  • Centralized trust
  • Fragmented liquidity
  • Locked capital (capital inefficiency)
  • UX & regulatory friction

The result: per-task billing is nearly impossible at scale — slowing adoption.

Case study · API monetization
Aligned Layer logo — 4Mica API monetization case study
  • Aligned offers ultra-cheap verification costs.
  • Aligned cost $0.019 vs payment gas fee $0.14
  • Gas fees are 8× higher than the service cost.
  • Payment limitations prevent scaling.

How it works

The 4Mica clearing and settlement layer

Line of credit

Enables cryptographically-backed lines of credit.

Instant payments

One yield-generating deposit backs thousands of instant micro-payments.

Configurable SLAs

Configurable TTLs and SLAs, for full flexibility.

Trustless settlement

Settlement automatically enforced on the parent chain — no value leakage.

Flexible integration

Composable across any service that accepts crypto.

Multi-platform support

Payment infrastructure for APIs, agents, and on-chain services.

Architecture

Collateral to settlement

01

Collateral

Deposit into a yield-generating vault.

02

Line of credit

Instant access to the service.

03

Instant value-exchange

Collateral-backed payment guarantees.

04

Settlement on L1

Secure and trustless by design.

Configurable TTL

Time-to-live settings.

Collateral ratio

Built-in risk management.

Configurable SLA

Tunable service agreements.

“4Mica is building the missing payment primitive that makes on-chain services commercially viable.”