Settlement & Machine Commerce
Flat fees for people, per-call prices for machines, and issuance rails that stay in test until a client's counsel signs.
Why it exists
A useful service should be buyable by a person with a card and by a software agent with a wallet, at a price fixed in advance. Most of the market offers one or the other, and the agent path usually ends in an API key negotiated by email.
UnyKorn's rule is older than the rail: flat fees and subscriptions, never a share of a client's recovery, trade or income, never a commission. The machine rail exists so that the same rule holds for buyers who cannot sign anything.
Two rails, one rule: the price is known before the work, and nobody at UnyKorn is paid a percentage of anything.
Global context
The BIS sets three tests for money and finds stablecoins short on all three; Project Agorá is testing tokenised deposits and reserves with eight central banks; the IMF asks governments not to treat crypto assets as money. UnyKorn's rails are designed to sit inside those conclusions: dollars as the unit of account, a stablecoin accepted only as payment for a finished call, no balances held, issuance research kept in test.
BIS · Annual Economic Report 2025, Chapter III, "The next-generation monetary and financial system" (June 2025)
Sets three tests any monetary system must pass: singleness (money settles at par, no questions asked), elasticity (supply expands to meet payment needs), integrity (resistance to financial crime). Finds that stablecoins fall short on all three and that tokenisation of central bank reserves, commercial bank deposits and government bonds on a unified ledger can "enable the contingent performance of actions": operations that execute only when their preconditions are met.
BIS Innovation Hub · Project Agorá
"A public-private collaboration that aims to test the desirability, feasibility and viability of a multi-currency shared programmable platform for wholesale cross-border payments." Eight central banks including those of five major reserve currencies, and over 40 financial institutions convened by the IIF; a real-value test in July 2026 in which 28 institutions completed transactions totalling approximately CHF 800,000 across 17 scenarios.
IMF · "Elements of Effective Policies for Crypto Assets" (policy paper, 23 February 2023)
Paraphrased, not quoted: the IMF site refused automated retrieval on 2026-09-09. The paper's nine elements ask governments to safeguard monetary sovereignty and not grant crypto assets official-currency or legal-tender status, guard against capital-flow volatility, set unambiguous tax treatment, establish legal certainty, enforce prudential and conduct requirements on all market actors, monitor jointly, cooperate across borders, watch the effect on the international monetary system, and build better cross-border payment infrastructure.
What we built
People pay through Stripe payment links with a webhook that activates the service. Machines meet an x402 v2 gateway: a request without payment gets a 402 response naming the price in USDC, the network (Base) and the payee; the client pays and retries with the payment header. A manifest on each domain lists every priced endpoint. Separately, an issuance spine under test pairs ERC-3643 permissioned tokens on EVM with multi-purpose tokens, credentials and permissioned domains on XRPL, plus a possession-evidence engine built to a December 2025 regulatory statement.
Stripe
Six live products on blockchainfraud.org; flat-fee agreements on NIL33; a referral code that discounts the customer instead of paying the referrer.
x402 gateway
Five endpoints, prices from one cent to twenty-five cents, receipts table, manifests at /.well-known/x402.json on two domains.
Issuance spine
Dual-rail instrument spine and possession engine: 17 contract tests and 31 possession tests pass on the committed head; not deployed, not audited.
One-way doors
On-chain issuance is classified irreversible: maximum review tier, a dedicated decision record, and no claim of value for anything not actually issued.
How it works
The public facilitator we tested settles on test networks and other chains, not Base mainnet, so the gateway is configured to answer every paid retry with the challenge again and charge nothing until a mainnet facilitator is configured. That is a deliberate fail-closed choice.
What is real today
Every row was checked against a served response or a test run on the date in the source line, not read from code.
| Capability | Evidence | State |
|---|---|---|
| Stripe products | Six links resolve at tier prices; webhook activates monitoring (2026-09-09) | MEASURED |
| x402 challenges and manifests | Both manifests answer v2, eip155:8453, USDC; all five endpoints answer a correct 402 with the treasury as payee (2026-09-10) | MEASURED |
| x402 settlement on Base mainnet | Needs a Coinbase CDP facilitator key or a repaired estate facilitator | GATED |
| Estate gateway and facilitator hosts | gateway host answers 530 (tunnel down); facilitator answers 402 on its capability list | GATED |
| Issuance spine (ERC-3643 + XRPL) | 17 + 31 tests pass at head 3d6d6a3 (2026-08-14); no mainnet, no audit, confers no registration | IN DEVELOPMENT |
| Percentage fees, commissions, affiliate payouts | None anywhere; a hard rule | ABSENT |
Trust and safeguards
Prices are configuration, not code, and are listed publicly. Payment credentials are worker secrets. Receipts are stored per settlement with the transaction reference. Contract code is labelled research until an audit exists, and the perimeter statement in the colophon applies to every rail.
Economics
What the rails charge today, and what is waiting on a gate.
| Product | Price | State |
|---|---|---|
| Fraud desk products (see Blockchain Fraud) | $249 / month to $3,500 per case | MEASURED |
| Address screen (agents) | $0.25 | GATED |
| Signed KYA assertion (agents) | $0.05 | GATED |
| Contract Shield scan (agents) | $0.10 | GATED |
| Assistant answer (agents) | $0.02 | GATED |
| NIL33 account record (agents) | $0.01 | GATED |
Next phase
Obtain a facilitator key; exercise one endpoint end to end on a test network from a throwaway wallet before touching mainnet; bring the estate gateway up as a Worker instead of a tunnel; fold the USDC catalogue into the genesis402 manifest; price organization seats.