Tempo recently launched the Machine Payments Protocol: an open standard for AI agent payments.
MPP is rail-agnostic. Agents can pay with stablecoins or cards through Stripe depending on what the service accepts.
Instead of a separate transaction per API call, agents open sessions and deposit funds once. Payments stream continuously as the agent consumes resources, and everything batch settles in a single transaction when the session closes.
x402 took a different approach. The protocol is crypto first with per-request payments, though recent updates have added session support. MPP covers more ground today with native fiat support, but both protocols are early.
Whether either protocol matters long term comes down to adoption beyond their own ecosystems.

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