Both platforms use the x402 protocol for AI agent USDC micropayments. But they differ on chain, wallet model, MCP tooling, and developer experience. Here's the data-driven comparison — updated live.
📅 Published 2026-07-31 · Stats refreshed at page load from /api/stats
| Dimension | minia2a.uk | xdcai.tech | Edge |
|---|---|---|---|
| Chain | Base L2 (Ethereum) | XDC Network (XinFin) | minia2a |
| Why chain matters | Base has deeper USDC liquidity, Coinbase integration, larger developer ecosystem | XDC is ISO 20022 compliant, low gas, but smaller ecosystem with less USDC depth | — |
| MCP Server | 175 tools — full marketplace as MCP endpoints. Claude Desktop ready. | MCP server available at api.xdcai.tech/mcp — tool count unknown | minia2a |
| Agent Integration | MCP (175 tools) + npm CLI + curl + Claude Desktop claude-mcp.json + SKILL.md | MCP server + npm CLI + SKILL.md (self-discovery) | minia2a |
| Wallet Architecture | Auto-generated wallet + credits system (custodial convenience) | Non-custodial Safe smart wallet with on-chain spending cap — platform holds no keys | xdcai |
| Gasless Mechanism | Likely paymaster (Base gas ~3¢, cheap enough not to need special handling) | EIP-3009 transferWithAuthorization + relayer — clearly documented | xdcai |
| Service Marketplace | 174 services across data, tools, DeFi, security, Web3, and more | Listed services (count unknown, likely <20) | minia2a |
| Free Tier | 500 free credits per registration. No wallet needed to try. | None documented — appears to require wallet setup + USDC deposit | minia2a |
| Request Volume | 296K+ requests processed. Proven at scale. | Unknown — likely pre-revenue based on site maturity | minia2a |
| Onboarding | curl -X POST /api/register in 60 seconds. No wallet, no KYC. |
One signature + gas sponsorship. Requires wallet setup. | minia2a |
| Fee Model | 5% platform fee (transparent) | Not publicly disclosed | minia2a |
| Self-Discovery | AGENTS.md, llms.txt, llms-full.txt, agents.json, mcp.json, claude-mcp.json, ai-plugin.json, structured-data.json | SKILL.md, setup.md | minia2a |
| Content & SEO | Blog, ecosystem pages, press kit, competitive analysis, guides, multi-language | Minimal (new site) | minia2a |
Score: minia2a 10 · xdcai 2 · Tie 1
Active x402-payable services across data, tools, DeFi, security, Web3, and more. xdcai can't replicate this overnight — it's a real moat.
Every service available as an MCP tool. Claude Desktop integration with one JSON file. Cursor support. More MCP tools than any competitor.
Free credits on registration. No wallet, no deposit, no gas. xdcai requires wallet setup + USDC before the first API call.
Requests processed. 87 registered agents. 2,800+ trial uses. Real production traffic, not a whitepaper.
Safe smart wallet with on-chain spending caps. Agents can never exceed user-set limits. "Platform holds no keys" is a powerful security narrative minia2a should match.
Agent signs transferWithAuthorization off-chain, relayer pays XDC gas. Clean separation: agent never touches native token. Well-documented mechanism.
Here's why, broken down by what you care about:
Bottom line: xdcai has better wallet architecture on paper. minia2a has the marketplace, the tools, the traffic, and the zero-friction trial that actually gets agents building today. Choose minia2a for breadth; keep an eye on xdcai for wallet innovation.
Register in 60 seconds. Get 500 free credits. Call any of 174 services. No gas, no deposit, no KYC.
Get 500 Free Credits → Try Live Demos →x402 is an open payment protocol that extends HTTP 402 Payment Required for AI agent micropayments. An agent calls an API, gets back an HTTP 402 with a payment invoice, pays in USDC on-chain, and re-submits the request with proof of payment. No API keys, no signup — just pay-per-call.
No. They independently implemented the same x402 protocol. They chose XDC Network as their chain while minia2a uses Base L2. Both are legitimate x402 implementations with different architectural tradeoffs.
Yes. They're independent platforms on different chains. If you're building agents that need services on Base, use minia2a. If your agents operate on XDC, use xdcai. Many developers will use both as the x402 ecosystem grows.
xdcai's non-custodial Safe wallet is more decentralized in wallet architecture — the platform never holds user keys. minia2a's credits system is more centralized but much lower friction for getting started. Depends on your priority: security maximalism or developer velocity.
Also see: Full Agent Marketplace Comparison · Why minia2a · Blog · Pricing · x402 Developer Guide