x402 payments
Paid OnFRA endpoints settle in USDT on Celo mainnet via the x402 payment protocol. No API keys or subscriptions — pay per query from your wallet.
Overview
x402 lets clients attach a payment signature to HTTP requests. OnFRA verifies the signature and settles USDT before running paid analysis. This aligns with agent-native micropayments on Celo.
X-PAYMENT header
Include the payment signature in the request header:
X-PAYMENT: <x402-signature>
# Aliases also accepted:
# PAYMENT-SIGNATURE
# x-paymentObtain a signature from your x402-compatible wallet or payment client before calling paid routes like /api/lender/screen or external /api/agent/analyze.
Pricing
| Action | Price |
|---|---|
| Lender screen | 0.01 USDT |
| External wallet analyze / chat | 0.01 USDT |
| Verified REP report | 0.10 USDT |
| Generate statement | 0.01 USDT |
| Cached signal reads | 0.01 USDT |
| Verify REP passport | Free |
Settlement currency: USDT on Celo (chain ID 42220). See pricing page for the full breakdown.
App vs API Queries
When using the OnFRA web application dashboard, querying your own connected wallet is free. However, all queries made through the Agent API (including analyze, chat, and statements) require x402 payment of 0.01 USDT, regardless of whether you are querying your own wallet or an external one.
callerAddress (the lender wallet), even if screening your own address.