Coinbase x402 Adds ID & Age Verification for AI-Powered Stablecoin Purchases

• x402 now integrates identity and age checks via Concordium, enabling compliant stablecoin payments for AI agents and users.
• The upgrade allows stablecoin payments to cover age-restricted goods and services while verifying user identity.
• x402 continues to function over standard HTTP, meaning payments can be embedded directly into web requests, letting apps, APIs, and AI agents transact without traditional payment infrastructure.

First revealed last year, Coinbase’s x402 is a web-native stablecoin payment protocol that has taken a big step forward by integrating identity and age verification through Concordium. It brings substantial breadth to the work of x402, allowing AI agents, apps, or regular users to make compliant stablecoin payments for goods or services requiring proof of identity or age. The move represents a milestone in connecting the worlds of blockchain payments, regulatory compliance, and commerce driven by AI.

What Has Changed with x402 Identity Verification

First introduced in May 2025, x402 enables real-time stablecoin (e.g, USDC) payments over the internet using standard HTTP requests and leverages the seldom-used HTTP 402 “Payment Required” code.

The new integration means that x402 now supports third-party identity and age verification through Concordium. Through this capability, developers can allow payment flows for services that require verified user identities, such as online gaming, travel bookings, or restricted-content access, while still benefiting from speed, low cost, and smooth user experience afforded by on-chain stablecoin payments.

In the words of Concordium’s chief executive officer: The partnership will ‘enable verified stablecoin payments at scale,’ making digital payments compliant without sacrificing convenience.

Also Read: Sony Bank Plans a Strategic 2026 Launch of Dollar-Backed Stablecoin in the U.S.

Why It Matters: AI, Agents & The Future of Payments

This all comes at a time when AI agents-think chatbots, automated services, or “agents” managing tasks-are increasingly being built to handle tasks on their own, including making purchases or payments on behalf of users. Native payment stack x402 provides these agents with a direct way to pay in stablecoins, eliminating much of the friction in credit card setup, bank wiring, or manual verification that comes along with traditional payment rails.

By embedding compliance through identity/age verification alongside on-chain settlement. x402 now addresses a key challenge of how to offer automated, scalable payments and satisfy regulatory or compliance demands. That opens doors for real-world use cases, ranging from streaming services to content platforms, e-commerce, to agent-driven spending models.

With identity and age-verification now part of the x402 stack, we may see a wave of new applications from regulated content platforms and services requiring compliance to fully autonomous AI-based commerce. As usage of stablecoins grows and compliance becomes a standard feature, x402 could help define the next generation of internet payments: fast, on-chain, agent-friendly, and regulation-ready.

Also Read: South Korea Makes Push for Stablecoin Regulation by December 10: A Major Breakthrough