Sharded AI-Native L1 · Named Accounts

Protocole NEAR Payment Gateway — AI-Native Intents, USDC, USDT & NEAR Checkout

NEAR Nightshade sharding delivers ~1.2-second finality, human-readable named accounts (merchant.near), and native USDC + USDT liquidity for AI agent commerce, consumer apps, and global SaaS.

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Chain ID / ScopeNEAR Mainnet / NEAR Testnet

Confirmation SLA~1.2 seconds (Nightshade Sharding)

Typical Network Gas~$0.001 (paid in NEAR)

XPayr Split99.5% Merchant / 0.5% Fee

Protocole NEAR Architecture de règlement

Human-Readable .near Treasury Routing

Eliminate copy-paste anxiety by settling directly to verified named NEAR accounts alongside standard implicit addresses.

AI Agent & MCP Commerce Synergy

Pair NEAR ~1.2s finality with @xpayr/mcp-server (21 tools) and HTTP 402 paywalls for autonomous machine-to-machine settlement.

Native NEP-141 USDC & USDT Support

Accept canonical NEP-141 Circle USDC, Tether USDT, and native NEAR with deterministic receipt verification.

Supported Wallets & Exchange QR Behavior

Portefeuilles: Meteor Wallet, MyNearWallet, HERE Wallet, OKX Wallet, Ledger + Exchange QR
Supports both human-readable .near named accounts and 64-character implicit hex addresses across Binance, OKX, Bybit, and Kraken.

Best-Fit Merchant Verticals

Autonomous AI agent services (/agent-commerce), LLM/GPU inference APIs (/x402), developer SaaS, and consumer mobile Web3 apps.

Supported Assets on Protocole NEAR

Accept USDC → Accept USDT → Accept NEAR →

API v1 Session Payload (`near`)

Pin preferred_network: "near" or omit it so buyers can switch freely across your enabled chains.

POST https://xpayr.com/api/v1/payments
Authorization: Bearer sk_test_your_workspace_key
Content-Type: application/json

{
    "amount": "149.00",
    "currency": "USD",
    "preferred_network": "near",
    "preferred_token": "USDC",
    "order_id": "ord_near_9041",
    "underpayment_tolerance_pct": 1,
    "webhook_url": "https://merchant.example.com/webhooks/xpayr",
    "metadata": {
        "network": "near",
        "settlement_split": "99.5_pct_merchant_wallet"
    }
}

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Explore All 16 Supported Rail Blockchains

Solana Réseau Base (Coinbase L2) Réseau Arbitrum One Réseau Polygon PoS Réseau Principal OP (Optimism) Réseau TRON (TRC-20) Réseau BNB Smart Chain (BEP-20) Réseau Principal Ethereum (ERC-20) Réseau Avalanche C-Chain Réseau TON (The Open Network) Réseau Bitcoin (BTC) Réseau Circle Arc Réseau Sui Réseau Aptos Registre XRP Ledger (XRPL)

Protocole NEAR Checkout FAQ

Can we receive settlements to a named .near account?

Yes! XPayr supports both human-readable named NEAR accounts (e.g. treasury.near) and standard 64-character implicit hex addresses.

Which stablecoins are supported on Protocole NEAR?

XPayr supports native NEP-141 USDC and USDT as well as native NEAR tokens on NEAR Mainnet and NEAR Testnet.