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The Future of Programmable Payments
The financial internet is being rebuilt from scratch. For decades, moving money online has required trusting a chain of intermediaries — banks, payment processors, card networks — each extracting a toll and introducing latency. Programmable payments break that model entirely.
At their core, programmable payments are on-chain rules: if condition X is met, transfer Y tokens to address Z. No manual reconciliation. No settlement windows. No chargebacks engineered by middlemen. Just code executing deterministically on a public ledger.
The x402 protocol formalises this as an HTTP primitive. A resource can return 402 Payment Required with machine-readable payment instructions. Any client — browser, server, or AI agent — that understands x402 can pay autonomously and retry the request with proof of payment.
This unlocks entirely new business models: pay-per-call APIs, micropayment paywalls, autonomous agent tooling, and split-second revenue sharing across any number of recipients. The infrastructure exists today. What remains is the developer tooling to make it trivially easy.
Coal is that tooling. One API call creates a checkout session. Revenue splits are configured once and fire on every settlement. Paywalls are deployed in a single curl command. The programmable money layer is finally developer-friendly.
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Revenue Split Demo
$100.00 payment split
70% of total
20% of total
10% of total
Splits are configured once and execute automatically on every payment.