XGuardDefer for payment
Capture a payment while you are already on its real payment surface and keep it in your local payment queue.
XGUARD PAYMENT LAYER · v0.2.1
One payment layer.
Wherever the payment happens.
XGuard is not an x402-only product. Its primary buyer-side layer can appear beside detected payment and transfer actions, remember who you pay, defer payments, coordinate multiple bills and split them — without requiring the merchant to integrate XGuard.
Works across HTTPS payment surfacesNo merchant integration for browser layerPayment credentials stay with the underlying provider
THE CORE PRODUCT
Controls that travel with the payer.
Pay all bills
Coordinate a sequence of deferred payments instead of rebuilding the list from scratch every time.
Remember recipients
Reuse previously seen payees and their last known payment destination rather than registering the same recipient repeatedly.
Split bills
Create child payments across saved payees while each underlying payment remains subject to its real bank, wallet or merchant rail.
XGuard should sit beside the payment — not force the user into another XGuard website.
ONE PRODUCT, MULTIPLE ADAPTERS
x402 is one integration path, not the boundary.
Browser Payment Layer
Buyer-side controls on normal HTTPS payment, billing, checkout, beneficiary and transfer surfaces.
Install →Payment decision APIs
HTTP, OpenAPI, MCP, A2A and webhook surfaces let software consult XGuard before or around payment activity.
OpenAPI →x402 settlement path
x402 remains available for compatible resource servers that need settlement safety, finality and recovery.
x402 manifest →WHY THIS MATTERS
Demand should not depend on one protocol winning.
The browser layer follows the user to the payment surface. Protocol-specific integrations stay available underneath, but they no longer define who XGuard is for.