
Within 90 days of each other in early 2026:
Visa launched TAP.
Google launched AP2 with 60+ partners.
Coinbase shipped x402 with Stripe and Cloudflare.
PayPal launched Agent Ready.
every company that moves trillions of dollars
is betting that software - not humans -
will initiate most transactions very soon.
they're not competing.
they're building layers:
Google AP2 = trust layer
x402 = settlement layer
Visa TAP = identity layer
x402 is the layer that actually moves money.
FLIP402 runs on the settlement layer
of the next internet.
$flip - flip402.xyz

English















