Credits Scheme

The Credits scheme uses FluxA Monetize Credits — an off-chain balance system with EIP-712 signed spend authorizations and atomic settlement via the Credits Facilitator.

Network Parameters

Parameter	Value
Network	fluxa-monetize-credits
Currency	FLUXA_MONETIZE_CREDITS
Asset	fluxa-monetize-credit
Decimals	2 (100 = 1.0 Credit)
Token name	FluxA Monetize Credits
Token version	1
PayTo	monetize.fluxapay.xyz

402 Response

{
  "x402Version": 1,
  "accepts": [
    {
      "x402Version": 1,
      "scheme": "exact",
      "network": "fluxa-monetize-credits",
      "maxAmountRequired": "100",
      "resource": "/api/data",
      "description": "API access fee",
      "payTo": "monetize.fluxapay.xyz",
      "maxTimeoutSeconds": 60,
      "asset": "fluxa-monetize-credit",
      "extra": {
        "name": "FluxA Monetize Credits",
        "version": "1"
      }
    }
  ]
}

X-Payment Payload

{
  "x402Version": 1,
  "scheme": "exact",
  "network": "fluxa-monetize-credits",
  "payload": {
    "signature": "0x...",
    "authorization": {
      "payerWallet": "0x...",
      "asset": "fluxa-monetize-credit",
      "amountCredits": "100",
      "nonce": "0x...",
      "validAfter": "1700000000",
      "validBefore": "1700001200",
      "creditsMandateId": "mnd_..."
    },
    "meta": {
      "approvalId": "papr_...",
      "mandateId": "mnd_...",
      "payTo": "monetize.fluxapay.xyz",
      "host": "example.com",
      "resource": "/api/data",
      "description": "API access fee",
      "amountCredits": "1.00",
      "currency": "FLUXA_MONETIZE_CREDITS"
    }
  }
}

Authorization Fields

Field	Type	Description
payerWallet	address	Payer's EVM wallet address
asset	string	Always fluxa-monetize-credit
amountCredits	uint256	Amount in minor units (2 decimals: 100 = 1 Credit)
nonce	bytes32	Unique nonce (timestamp + random, 20-minute window)
validAfter	uint256	Unix timestamp — valid after
validBefore	uint256	Unix timestamp — expires at
creditsMandateId	string	Mandate ID (mnd_...) or approval ID (papr_...)

Meta Fields

Field	Type	Description
approvalId	string	Payment approval ID
mandateId	string	Mandate ID
payTo	string	Payment recipient identifier
host	string	Target API host
resource	string	Target resource path
description	string	Human-readable payment description
amountCredits	string	Amount in major units (e.g. "1.00")
currency	string	Currency identifier

EIP-712 Type Definition

{
  "domain": {
    "name": "FluxA Credits Mandate Spend",
    "version": "1",
    "chainId": 8453,
    "verifyingContract": "0x0000000000000000000000000000000000000000"
  },
  "primaryType": "CreditsMandateSpend",
  "types": {
    "CreditsMandateSpend": [
      { "name": "payerWallet", "type": "address" },
      { "name": "asset", "type": "string" },
      { "name": "amountCredits", "type": "uint256" },
      { "name": "nonce", "type": "bytes32" },
      { "name": "validAfter", "type": "uint256" },
      { "name": "validBefore", "type": "uint256" },
      { "name": "creditsMandateId", "type": "string" }
    ]
  }
}

Nonce Format

Credits nonces encode a timestamp for expiry checking:

0x{timestamp_hex_8}{random_hex_16}{zero_padding_40}

• First 8 hex chars: Unix timestamp
• Next 16 hex chars: random bytes
• Remaining 40 hex chars: zero-padded
• Nonce validity window: 20 minutes

Verification and Settlement

Verification and settlement are handled by the Credits Facilitator:

1. Verify — recovers EIP-712 signer, validates nonce, amount, wallet, and mandate
2. Settle — atomically debits the payer's credits balance and writes an immutable ledger entry