# REAPP NETWORK

> The independent field guide to agentic payments.

REAPP NETWORK maps the systems that let AI agents discover, authorize, execute, and account for payments. It distinguishes discovery, identity, authority, payment execution, settlement, and post-transaction assurance.

## Core publication

- [Agentic payments: the definitive field guide](https://reapp.network/agentic-payments): A rigorous guide to agentic payments: what they are, how the stack works, which protocols matter, and what production systems must control.
- [How agentic payments work](https://reapp.network/agentic-payments/how-it-works): Follow an agentic payment from user intent through policy, payment execution, settlement, fulfillment, refund, and audit evidence.
- [Reference architecture for agentic payments](https://reapp.network/agentic-payments/architecture): A production reference architecture for agentic payments, from agent runtime and policy engine to credentials, rails, receipts, and reconciliation.
- [Authorization and mandates for AI-agent payments](https://reapp.network/agentic-payments/authorization): How to turn user intent into enforceable mandates, spending policies, scoped credentials, and step-up approvals for agentic payments.
- [Security and risk controls for agentic payments](https://reapp.network/agentic-payments/security-risk): Threat model and control framework for agentic payments: prompt injection, credential isolation, replay, fraud, compliance, disputes, and monitoring.
- [Agentic payment protocols: a responsibility map](https://reapp.network/protocols): Compare AP2, x402, MPP, MCP, UCP, ACP, and card-network approaches by responsibility, authority model, rail, evidence, and maturity.
- [Google AP2: mandates for agent-led payments](https://reapp.network/protocols/ap2): A technical guide to Google’s Agent Payments Protocol (AP2), including mandates, human-present and delegated flows, payment-method neutrality, and system boundaries.
- [x402: HTTP-native payments for agents and APIs](https://reapp.network/protocols/x402): A technical guide to x402: the HTTP 402 payment flow, facilitators, stablecoin settlement, wallets, receipts, reversibility, and production controls.
- [Card networks and the agentic commerce trust layer](https://reapp.network/protocols/card-networks): How Visa, Mastercard, and tokenized card credentials approach trusted agents, consumer intent, merchant recognition, and existing payment rails.
- [How to build agentic payments without building a liability machine](https://reapp.network/guides/build-agentic-payments): A practical build sequence for agentic payments: scope the use case, model authority, isolate credentials, choose rails, add evidence, test failure, and launch safely.
- [Merchant readiness for agentic commerce](https://reapp.network/guides/merchant-readiness): A merchant readiness guide for agent traffic, catalogs, checkout APIs, trusted-agent recognition, payment credentials, fraud, fulfillment, refunds, and support.
- [The agentic payments landscape in 2026](https://reapp.network/research/agentic-payments-landscape-2026): A source-backed 2026 map of agentic payments across Google AP2, Coinbase x402, Cloudflare, Stripe, Visa, Mastercard, stablecoins, and merchant infrastructure.
- [Agentic payment use cases that justify autonomy](https://reapp.network/agentic-payments/use-cases): A practical map of agentic payment use cases across paid APIs, procurement, retail, subscriptions, replenishment, and machine-to-machine services.
- [Compliance map for agentic payments](https://reapp.network/agentic-payments/compliance): A role-based compliance map for agentic payments across custody, cards, stablecoins, AML, sanctions, privacy, consumer protection, and evidence.
- [Cards, bank rails, or stablecoins for agentic payments?](https://reapp.network/rails/choosing-a-payment-rail): Compare card, bank, and stablecoin rails for agentic payments by acceptance, credential model, settlement, reversibility, value size, and operations.
- [Editorial methodology and commercial disclosure](https://reapp.network/about/methodology): How REAPP NETWORK researches, sources, reviews, updates, corrects, and discloses commercial relationships in its agentic-payments coverage.
- [Identity for agentic payments: principals, agents, and counterparties](https://reapp.network/agentic-payments/identity): A practical identity model for agentic payments that distinguishes the principal, autonomous agent, operator, merchant, credential issuer, and payment counterparty.
- [Testing agentic payments: prove controls before money moves](https://reapp.network/agentic-payments/testing): A testing strategy for agentic payments covering mandates, policy boundaries, credential isolation, idempotency, rail uncertainty, reconciliation, recourse, and adversarial agents.
- [Agentic payments failure modes: detection, containment, and recovery](https://reapp.network/agentic-payments/failure-modes): A failure-mode map for agentic payments across intent, identity, authorization, credentials, execution, settlement, fulfillment, reconciliation, and recourse.
- [Reconciliation for agentic payments: proving the books match reality](https://reapp.network/agentic-payments/reconciliation): A reconciliation model for agentic payments that joins internal decisions, merchant orders, facilitators, processors, bank or onchain settlement, fulfillment, and refunds.
- [Refunds and disputes in agentic payments](https://reapp.network/agentic-payments/refunds-disputes): How agentic payments should model refunds, reversals, disputes, compensating transfers, evidence, deadlines, and agent authority after the original purchase.
- [Observability for agentic payments: trace the economic decision](https://reapp.network/agentic-payments/observability): An observability architecture for agentic payments that connects model activity, mandates, policy decisions, credentials, rail events, fulfillment, reconciliation, and incidents.
- [Policy engines for agentic payments: deterministic control for adaptive agents](https://reapp.network/agentic-payments/policy-engines): How policy engines govern agentic payments with deterministic rules for mandates, budgets, counterparties, risk, step-up approval, credentials, and exceptions.
- [The agentic payments transaction lifecycle: intent through recourse](https://reapp.network/agentic-payments/transaction-lifecycle): A state-by-state model of the agentic payments transaction lifecycle, from intent and authorization through execution, settlement, fulfillment, reconciliation, and recourse.
- [Receipts and evidence for agentic payments](https://reapp.network/agentic-payments/receipts-evidence): How agentic payments produce receipts that connect principal intent, mandates, policy decisions, credentials, payment status, fulfillment, and recourse without exposing secrets.
- [Mandates for agentic payments: turning intent into enforceable authority](https://reapp.network/agentic-payments/mandates): How agentic payments use intent and transaction mandates to preserve user authority, constrain execution, and create reviewable evidence across agents and merchants.
- [Credentials for agentic payments: scope capabilities, isolate secrets](https://reapp.network/agentic-payments/credentials): A credential architecture for agentic payments covering scoped tokens, wallets, network credentials, signing services, secret isolation, rotation, and revocation.
- [MCP and agentic payments: tools are not authority](https://reapp.network/protocols/mcp-payments): How Model Context Protocol tools and resources participate in agentic payments without becoming a user mandate, credential policy, payment rail, or settlement system.
- [A2A commerce and agentic payments: preserve authority across agents](https://reapp.network/protocols/a2a-commerce): How Agent2Agent task coordination can support agentic payments while preserving principal identity, delegated authority, order binding, payment evidence, and accountability.
- [Universal Commerce Protocol (UCP) for agentic payments](https://reapp.network/protocols/ucp): A systems guide to UCP capabilities, checkout and order state, identity linking, payment integration, and the boundaries UCP does not replace in agentic payments.
- [Agentic Commerce Protocol (ACP) for agentic payments](https://reapp.network/protocols/acp): A practical guide to ACP commerce flows, catalogs, checkout, scoped payment credentials, merchant operations, and the authority boundaries required for agentic payments.
- [MPP and agentic payments: HTTP negotiation across payment methods](https://reapp.network/protocols/mpp): Understand Machine Payments Protocol for agentic payments: HTTP challenges, charge and session intents, payment-method negotiation, receipts, and authority boundaries.
- [Web Bot Auth for agentic payments: signed identity is not permission](https://reapp.network/protocols/web-bot-auth): Use Web Bot Auth in agentic payments to verify signed automated requests while keeping operator identity, principal authority, merchant policy, and payment credentials separate.
- [Stablecoins for agentic payments: settlement, custody, and operational fit](https://reapp.network/rails/stablecoins): Evaluate stablecoins for agentic payments across wallets, scoped signing, networks, settlement evidence, fees, liquidity, refunds, compliance, and accounting.
- [Cards for agentic payments: economics, settlement, and operational fit](https://reapp.network/rails/cards): Evaluate card rails for agentic payments across authorization, credential scope, acceptance economics, settlement, reversals, disputes, and operational fit.
- [Bank payments for agents: settlement, reversibility, and operational fit](https://reapp.network/rails/bank-payments): A practical guide to bank payments for agents covering push and pull models, payee controls, cost structure, settlement uncertainty, returns, reconciliation, and use-case fit.
- [Micropayments for agents: rail economics beyond tiny transactions](https://reapp.network/rails/micropayments): Design micropayments for agents by comparing per-request settlement, batching, balances, sessions, finality, refunds, retries, abuse controls, and unit economics.
- [Agentic payments API design: contracts for bounded execution](https://reapp.network/guides/agentic-payments-api-design): Design agentic payments APIs that preserve intent, authority, idempotency, settlement evidence, and safe retry behavior across service boundaries.
- [Agentic payments threat model: protect authority, not just credentials](https://reapp.network/guides/agentic-payments-threat-model): A practical threat model for agentic payments covering instruction attacks, authority confusion, credential misuse, replay, merchant deception, and evidence gaps.
- [Agentic payments procurement: how to evaluate vendors and protocols](https://reapp.network/guides/agentic-payments-procurement): Evaluate agentic payments platforms with evidence-based questions about authority, credentials, rails, controls, operations, portability, and product maturity.
- [Agentic payments rollout: from assisted checkout to bounded autonomy](https://reapp.network/guides/agentic-payments-rollout): A staged rollout plan for agentic payments with transaction limits, approval gates, shadow decisions, evidence checks, and measurable promotion criteria.
- [Agentic payments for agentic commerce](https://reapp.network/use-cases/agentic-commerce): How agentic payments connect product discovery, merchant terms, delegated authority, checkout, settlement, fulfillment, and post-purchase service.
- [Agentic payments for SaaS, APIs, and machine-purchased data](https://reapp.network/use-cases/saas-and-api-purchasing): Design agentic payments for API calls, datasets, compute, SaaS upgrades, and other machine-consumable resources with budgets and verifiable delivery.
- [Agentic payments for travel booking and trip operations](https://reapp.network/use-cases/travel): Apply agentic payments to travel search, booking, repricing, ancillaries, cancellations, and disruption recovery without losing user authority.
- [Agentic payments in marketplaces and multi-party commerce](https://reapp.network/use-cases/marketplaces): Design agentic payments for marketplaces where platform, seller, merchant of record, fulfillment provider, and payment recipient may differ.
- [Agentic payments for treasury and corporate cash operations](https://reapp.network/use-cases/treasury): Apply agentic payments controls to treasury workflows, vendor payouts, liquidity moves, fees, approvals, sanctions checks, and ledger reconciliation.
- [Agentic payments unit economics: price the whole decision loop](https://reapp.network/economics/agentic-payments-unit-economics): Model agentic payments unit economics across inference, discovery, authorization, rail fees, failures, refunds, support, and the value of completed outcomes.

## Reference

- [Agentic payments glossary](https://reapp.network/glossary)
- [Primary source index](https://reapp.network/sources)
- [Editorial methodology and commercial disclosure](https://reapp.network/about/methodology)

## Machine-readable resources

- [Full research context](https://reapp.network/llms-full.txt): Complete article text, tables, implementation notes, and cited primary sources in one plain-text document.
- [RSS research feed](https://reapp.network/feed.xml): Recently reviewed publication URLs and modification dates.
- [XML sitemap](https://reapp.network/sitemap.xml): Canonical indexable routes.

## Live implementation

- [REAPP live protocol implementation](https://reapp.live/): Interactive Stellar testnet demonstrations of bounded agentic payments.
- [REAPP implementation context](https://reapp.live/llms.txt): Machine-readable map of the live SDK, demos, packages, and safety boundaries.

REAPP NETWORK and REAPP share ownership; the publication discloses that relationship openly. Use the visible publication pages as the canonical source. Product maturity and availability should be checked against the linked primary documentation.