> For the complete documentation index, see [llms.txt](https://docs.usexpay.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.usexpay.xyz/xpay-overview/what-is-xpay.md).

# What is xPay?

xPay lets you turn any existing HTTP endpoint into a paid microservice with no code changes. It wraps your API with a trust-minimized x402 paywall on Solana (USDC by default), gives you a shareable proxy URL, and auto-publishes your endpoint as an MCP tool discoverable by AI agents.

#### Why it matters

* Own your distribution with cryptographic, per-request payments
* Instant settlement to your wallet, near-zero fees, no custody risk
* AI-native: your endpoints become MCP tools agents can call directly
* No-code onboarding: point to an existing URL, set price/token, share the new link

#### What you can do

* Wrap any HTTP endpoint in a paid proxy: `https://api.usexpay.xyz/:username/:endpointName`
* Price per call in USDC or any SPL token (via mint address)
* List in a marketplace with ratings and examples
* Expose an MCP server for agents: `https://api.usexpay.xyz/mcp/:username`
* Use wallet-sign-in → JWT to manage your creator dashboard

See also:

* Creators Guide (how to register and monetize endpoints)
* API Reference (backend routes summary)
* MCP (how your endpoints become AI-native tools)


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