402Pilot: An x402 Decision Layer for Autonomous Agent Micropayments
Programmable-payment protocols such as x402 enable per-request micropayments, but they do not determine which payable service an autonomous agent should buy under a finite wallet. We formulate this buyer-side problem as agent-native payment decision-making: contextual provider selection under wallet pressure, chosen-only paid feedback, and changing market conditions. We propose 402Pilot, a protocol-agnostic buyer-side decision layer between autonomous agents and payment execution that implements purchasing policies for selecting among payable providers. We instantiate it with PA-DCT, a payment-aware discounted contextual Thompson-sampling policy that adapts purchasing decisions under wall...
| Authors | Yin Li, Yanbo He, Boo-Ho Yang et al. |
|---|---|
| Primary category | cs.AI |
| Published | 2 August 2026 |
| Last updated at source | 2 August 2026 |
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