Pay once.
Access anything.
The HTTP 402 Micropayment Layer — Widget · Extension · Mobile
The Problem
Six problems. One root cause:
broken payment infrastructure.
👁️
No
Privacy
Problem #1
Every payment is tied to your identity. Card networks, processors, and banks log, sell, and subpoena your purchase history.
✋
De-
platformed
Problem #2 — Creator Censorship
Patreon removed 40K+ creators in 2023. OnlyFans nearly banned its core business. One banking call erases years of income.
🚫
3%+
Problem #3 — Micropayment Floor
Stripe charges $0.30 + 2.9%. A $0.10 transaction costs 329% in fees. Sub-$0.50 payments don't exist.
Also: chargebacks ($125B/yr), age verification without ID (impossible today), and AI agent billing (no standard exists). Six problems. All solved at the protocol level.
Competitive Landscape
Every payment processor is wrong
for this use case
|
Stripe |
Patreon |
OnlyFans |
Vlexivo |
| Min payment |
$0.50 |
$1/mo sub |
$3/mo sub |
$0.001 |
| Fee structure |
2.9% + $0.30 |
8–12% |
20% |
15% / 8% Pro |
| Chargebacks |
Yes |
Yes |
Yes |
Never |
| Censorship risk |
High |
High |
Critical |
None |
| Age verification |
No |
No |
Gov ID |
ZK Proofs |
| AI agent billing |
No |
No |
No |
Native |
Also compared
Coil / Web Monetization
Browser-native streaming payments
Limitations: Firefox-only, requires publisher partnership, no AI billing, no ZK age verification
Unlock Protocol
NFT-based access tokens on Ethereum
Limitations: High gas fees make micro-payments unviable, no AI billing, no extension integration
Lightning Network
Bitcoin L2 micropayment network
Limitations: No browser extension model, requires BTC custody, no AI billing, UX too complex for mass adoption
The Solution
HTTP 402 was invented for this.
Three shells deliver it everywhere.
HTTP/1.1 402 Payment Required
Reserved since 1991. Never implemented — until now. Three delivery surfaces: Widget · Browser Extension · Mobile App
1
Publisher sets price
$0.001 per API call, $0.25 per article — any amount. Widget, Extension, or Mobile all work.
→
2
Consumer pays on-chain
Solana (400ms) or Base. Non-custodial. No account required. ZK age check if needed.
→
3
JWT issued. Access granted.
Cryptographically verified. No subscription. No identity leak. No chargeback.
Works for $0.001 payments. Privacy-preserving by design. Impossible with Stripe.
Developer Integration
One protocol. Widget, Extension, or Mobile.
Publisher — 3 lines to protect any endpoint
app.use('/api/data', vlexivo.protect({
apiKey: 'vlx_pub_••••••••••••••••',
scope: 'per-call',
price: 0.005
}));
Creator Platform — Pay-per-DM / Tips
const res = await fetch('/v1/challenge', {
headers: { Authorization: 'Bearer vlx_sec_...' },
body: JSON.stringify({
scope: 'per-message',
amount: '2.00',
creator_id: 'creator_abc',
tip_enabled: true
})
});
Shell 2 (Extension) intercepts 402 with zero publisher integration — any server emitting a valid challenge gets payment automatically
Market Opportunity
Three massive markets.
One payment layer.
🔵
API Economy
$12B
40% CAGR — Pay-per-call
"Every API endpoint monetized. No subscriptions, no minimums."
🟢
Creator Platforms
$500B
Digital content + creator economy
"Adult, cannabis, political, journalism — all censored on card rails. Only Vlexivo works."
🟣
AI Agent Billing
$50B+
Projected AI API spend, 2026
"Machine-to-machine payments. No standard exists. We're building it."
Total Addressable: $562B. We're the toll booth for the uncensorable web.
Product Tracks
We monetize every digital interaction
Track 01
API Monetization
- Pay-per-call with vlx_pub_ key
- Spend-based rate limiting
- Real-time usage analytics
- Works with widget or extension
Example:Weather data, AI inference, database APIs
Track 02
Creator Platform Payments
- Pay-per-DM, tips, sessions, bundles
- Settles directly to creator wallets
- ZK age verification for adult content
- Censorship-resistant — cannot be debanked
Example:Adult platforms, political content, cannabis media — banned everywhere else
Track 03
AI Agent Billing
- vlx_sec_ keys for M2M payments
- Autonomous billing loops
- No human-in-the-loop required
- Configurable credit limits
Example:Claude autonomously paying for web data and APIs
Business Model
Simple, scalable take rate
Free Tier
15%
of payment volume · No monthly fee
- Forever free to start
- Full SDK access
- All platform integrations
- Real-time dashboard
- Standard support
Pro Tier
8%
of payment volume + $29/mo
- Break-even at $393/mo volume
- Priority routing
- Advanced analytics
- Custom webhook integrations
- Dedicated support
At $100K monthly volume: Free tier → $15,000 revenue · Pro tier → $8,029 revenue · No fixed fees. No chargebacks. No fraud. 100% margin on take rate.
Traction
Early signal is strong
47
Publisher beta signups
$12.4K
Payment volume processed
2,800
Consumer wallets created
Beta launched Q1 2026. First paying publisher at week 2. Ghost, Substack, and WordPress plugins shipped.
Stripe App submitted to marketplace. Ghost named us a featured integration partner.
Why Now
Four forces converging in 2026
🔒
Privacy is the New Security
Data breaches, surveillance capitalism, government subpoenas of payment records. Users want to pay without being tracked. No payment infrastructure offers this today. Vlexivo is built non-custodial from the ground up.
😤
Creator Debanking at Peak
Patreon removed 40K+ creators. OnlyFans nearly banned its core business. Substack restrictions. Adult, cannabis, and political content are all under active payment processor censorship. The trust in centralized rails is broken permanently.
⚡
Multi-Chain + Browser Extension Maturity
Solana: 400ms, sub-cent fees. Base L2: mainstream EVM adoption. Manifest V3 (Chrome) makes extension-based payment interception practical at scale. Three shells that weren't all viable simultaneously — until now.
🤖
AI Agent Billing Vacuum
Autonomous agents need M2M payments. No standard exists. Agent frameworks (LangChain, Claude SDK) are being built now — the billing primitive needs to exist first. Window to become the standard is 12–18 months.
Team
Protocols. Payments. Community.
👨💻
Behkish Nassirzadeh, PhD
Founder & CEO
Published research on cryptographic payment systems. Blockchain protocols specialist. Founded Vlexivo to implement HTTP 402 — a standard that has been waiting 35 years.
⚙️
Lead Engineer
Payment Infrastructure
8 years building payment APIs. Ex-Stripe infrastructure team. Understands the exact limitations of legacy payment rails that Vlexivo is designed to replace.
🤝
Head of Partnerships
Developer Relations
Former developer relations lead. Deep roots in the API economy and creator platform ecosystem. Responsible for Ghost partnership and platform integrations.
🏛️
Advisors
Board Advisors
Crypto-native VC fund General Partner. Solana Foundation alumni with protocol ecosystem expertise. Canadian fintech regulatory experience.
The Ask
Raising $2M to become
the HTTP 402 standard
40%
$800K
Engineering · Core protocol, SDK, security audits
30%
$600K
BD & Partnerships · Platform integrations, enterprise sales
20%
$400K
Marketing · Developer community, content, growth
10%
$200K
Operations · Legal, infrastructure, team ops
18-month runway
500 publishers by month 12
$1M monthly volume milestone
Series A ready by Q1 2027
"The payment primitive the web was always supposed to have — private, censorship-resistant, and open."
legal@vlexivo.online
· Kshathra Technologies Inc.