Solutions

Fast payments with on-chain settlement.

Authorize payments off-chain while keeping settlement enforceable on-chain. 4Mica issues BLS-signed certificates that can be used during settlement.

On-chain guarantees

Every credit spend is backed by enforceable, auditable collateral.

Built for multiple networks

Use the same credit model across Ethereum, Base, and compatible rollups.

Non-custodial

Collateral remains in protocol contracts. 4Mica does not hold customer funds.

Use cases

Built for cryptocurrency workflows

Give each stakeholder the payment primitives they need: instant authorization, clear limits, and settlement that stays easy to audit.

For protocol teams

Keep an on-chain claim path

Use signed guarantees while keeping a path to on-chain claims and dispute handling.

Reduce transaction pressure

Move high-frequency payments off-chain until there is a meaningful net position to settle.

Support EVM networks

Build payment flows that can follow users across Ethereum, Base, and compatible networks.

For wallet users

Deposit once

Back many payment interactions from a single collateral position instead of signing every spend on-chain.

Withdraw with clear rules

Use timelocks and settlement windows that make open obligations visible before funds leave.

Process

Start with cryptocurrency in 3 steps

The path is deliberately small: configure the payment session, verify each request, then settle the cycle with durable records.

  1. 01

    Route collateral to the vault

    Users deposit supported crypto assets and retain a non-custodial position that backs future spends.

  2. 02

    Issue off-chain certificates

    Payment guarantees are signed and verified off-chain, then represented by settlement-ready certificates.

  3. 03

    Claim or settle on-chain

    Participants settle net obligations through the protocol instead of broadcasting every micro-payment.

Works with the stack you already use — use 4Mica through x402-compatible HTTP clients, SDKs, any x402 facilitator, and the settlement infrastructure behind them.

Ready to integrate?

Plug 4Mica into your existing x402 flow in minutes — start with the docs or talk to the team.

Read the docsTalk to us

Settlement architecture

Understand how guarantees, certificates, and collateral interact.

Security model

Review non-custodial assumptions, dispute windows, and withdrawal timing.

Discuss chain support

Coordinate network requirements for your protocol or app.

FAQ

Common questions about cryptocurrency

Is 4Mica custodial?

No. Collateral remains controlled by protocol contracts and user positions. 4Mica does not need to hold customer funds.

Why not settle every cryptocurrency payment directly?

Direct settlement works for larger transfers, but high-frequency micro-payments become expensive and slow. 4Mica keeps authorization fast and batches final settlement.

Which chains can this support?

The architecture is designed for EVM-compatible settlement layers, with Ethereum, Base, and emerging rollups as natural targets.

Something else on your mind?Contact us

Ready to build for cryptocurrency?

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