稳定币链正复制 L2 战争热潮：继 Plasma 首推 USDT 优化高吞吐 L1 后，Codex 专注跨币结算零摩擦、Payy 强调隐私支付、Circle Arc 专属 USDC 受控层、Stripe Tempo 服务商户即时结算。企业入场引发去中心化争议，但单一用例优化趋势强劲，未来更多玩家将涌现。

从 HTML 付费墙到实时成功信息的完整流程，以及仅凭一个 UUID 就能将一切串联起来。

2026年伊始，加密货币市场正进入“公司链战争”高峰：FinTech巨头不再依赖公链，而是自建专属L1/L2，实现垂直控制。Stripe的Tempo支持稳定币gas费、10万TPS，KlarnaUSD已测试上线；Robinhood的Arbitrum-based L2聚焦tokenized股票/ETF，已扩展欧盟用户。流动性碎片化催生抽象层需求，宏观上推动DeFi与TradFi融合，预计tokenized资产市场2026年翻倍。本文结合最新数据与图表，剖析这一趋势及其影响。

支付首先应被理解为一种基础设施。随着稳定币的出现，支付堆栈正在精简。我们正从需要多个交易对手关系和定期费用的传统模式，转向可编程的链上结算。

Friends, we did it! Starting today, Pickful officially supports one-click USDC payments on Base Mainnet! No sign-up, no pre-funding, no waiting — one signature, lifetime access.

Payments on the internet are fundamentally flawed. Credit Cards are high friction, hard to accept, have minimum payments that are far too high, and don't fit into the programmatic nature of the internet. It's time for an open, internet-native form of payments. A payment rail that doesn't have high minimums + % based fee. Payments that are amazing for humans and AI agents.

x402 协议是 Coinbase 推动的一项开放支付标准，旨在复兴 HTTP 402 “Payment Required”状态码，结合区块链技术和 AI 代理（agents）需求，构建一个支持微支付和按需付费的互联网支付框架。