ReineiraOS · 0xkkkn · Jun 23, 2026 · Jun 23, 2026
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+node_modules/
+dist/
+.next/
+.vercel/
+coverage/
+*.tsbuildinfo
+
+# Secrets — never commit
+.env
+.env.*
+!.env.example
+
+# Local runtime state (demo agents) — contains private keys
+.agent-store.json
+.agent-store.json.*
+.session-store.json
+
+# OS
+.DS_Store
+Thumbs.db
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+node-linker=hoisted
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+{
+  "printWidth": 100,
+  "singleQuote": false,
+  "semi": true,
+  "trailingComma": "all"
+}
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+MIT License
+
+Copyright (c) 2026 Reineira Labs Limited
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.
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+---
+title: x402 Insured Settlement
+slug: x402-insured-settlement
+description: Agentic x402 payments settled through on-chain escrow with optional insurance — autonomous buyer and seller agents moving real USDC on Arbitrum Sepolia, built on ReineiraOS.
+framework: monorepo
+type: dapp
+tags: [x402, payments, escrow, insurance, agents, ai, arbitrum, fhe, fhenix, erc4337, rss]
+demoUrl: null
+image: null
+author: ReineiraOS
+dateAdded: 2026-06-23
+repoPath: solutions/x402-insured-settlement
+---
+
+# x402 Insured Settlement
+
+[![Platform](https://img.shields.io/badge/ReineiraOS-v0.1-blue)](https://reineira.xyz)
+[![License](https://img.shields.io/badge/license-MIT-green)](LICENSE)
+[![Buildathon](https://img.shields.io/badge/%F0%9F%8F%86%201st%20place-Agentic%20track-FACC15)](https://arbitrum-london.hackquest.io/buildathons/Arbitrum-Open-House-London-Online-Buildathon)
+
+> 🏆 **1st place — Agentic track**, [Arbitrum Open House London Online Buildathon](https://arbitrum-london.hackquest.io/buildathons/Arbitrum-Open-House-London-Online-Buildathon) (2026) — [announcement](https://x.com/arbitrum/status/2069113449221910953).
+
+Autonomous AI agents that pay each other for real resources — settled on-chain
+through an x402 → escrow rail with optional insurance coverage and claims. A
+buyer agent purchases data behind an x402 paywall; a seller agent serves it; the
+payment funds an on-chain escrow on Arbitrum Sepolia and releases on delivery.
+Built on the published [`@reineira-os/x402-*`](https://github.com/ReineiraOS/x402)
+packages.
+
+## What it does
+
+- **Agentic x402** — a buyer agent and a seller agent transact over the x402
+  payment-required protocol, no human in the loop
+- **Escrow-gated settlement** — every `402` opens a real on-chain escrow; funds
+  release to the seller on delivery, refund the buyer on timeout
+- **Optional insurance** — buyers can attach parametric coverage; missed
+  delivery files a claim against an underwriter pool
+- **Confidential rail (FHE)** — the same flow runs against the Fhenix
+  FHE-encrypted escrow stack, hiding amounts on-chain
+- **Two-Key Halt** — a Sentinel / Guardian verdict primitive that can freeze a
+  rail under attack
+- **Settlement Theater** — a live terminal that surfaces every verify / settle /
+  release step as it happens
+
+## Packages
+
+| Package                    | Stack                         | Purpose                                                        |
+| -------------------------- | ----------------------------- | -------------------------------------------------------------- |
+| `packages/demo`            | Next.js 16, React 19, ZeroDev | Payment-agents dashboard, resource server, Settlement Theater  |
+| `packages/facilitator-web` | Hono                          | Deployable x402 facilitator (`/verify` + `/settle`) for Vercel |
+
+The on-chain protocol (escrow, receivers, resolvers, FHE codec) ships as the
+published `@reineira-os/x402-*` packages — this example consumes them, it does
+not vendor their source.
+
+## Setup
+
+```bash
+pnpm install
+```
+
+Then copy and fill the env files (testnet only — Arbitrum Sepolia):
+
+```bash
+cp packages/demo/.env.example packages/demo/.env.local
+cp packages/facilitator-web/.env.example packages/facilitator-web/.env.local
+```
+
+## Development
+
+```bash
+pnpm dev          # demo on http://localhost:3000
+pnpm build        # build every package
+pnpm typecheck    # tsc --noEmit across packages
+```
+
+The demo calls a facilitator for `/verify` + `/settle`. Run `packages/facilitator-web`
+(or any deployment of `@reineira-os/x402-facilitator`) and point the demo at it
+via `FACILITATOR_URL`.
+
+## License
+
+MIT — see [LICENSE](LICENSE).
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+{
+  "name": "@x402-insured-settlement/monorepo",
+  "version": "0.1.0",
+  "private": true,
+  "description": "x402 Insured Settlement — agentic payments with on-chain escrow and optional insurance, built on ReineiraOS",
+  "reineira": {
+    "platform": "0.1"
+  },
+  "scripts": {
+    "dev": "pnpm --filter @x402-insured-settlement/demo run dev",
+    "dev:demo": "pnpm --filter @x402-insured-settlement/demo run dev",
+    "build": "pnpm -r run build",
+    "typecheck": "pnpm -r run typecheck",
+    "format": "prettier --write '**/*.{ts,tsx,js,jsx,json,md}'",
+    "format:check": "prettier --check '**/*.{ts,tsx,js,jsx,json,md}'"
+  },
+  "devDependencies": {
+    "prettier": "^3.4.0"
+  },
+  "packageManager": "pnpm@10.30.3",
+  "engines": {
+    "node": ">=20.0.0",
+    "pnpm": ">=10.0.0"
+  },
+  "license": "MIT",
+  "pnpm": {
+    "onlyBuiltDependencies": [
+      "esbuild"
+    ]
+  }
+}
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+# Local runtime state — contains private keys, never commit
+.agent-store.json
+.session-store.json
+*.bak
+.env*
+.next
+node_modules
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+# Payment agents (demo)
+
+`@x402-insured-settlement/demo` — a Next.js dashboard for the x402 + RSS
+insured-settlement flow, with autonomous buyer and seller agents settling
+real on-chain payments on Arbitrum Sepolia. Built on the published
+`@reineira-os/x402-*` packages.
+
+## What it is
+
+A "Payment agents" dashboard with a passkey-secured treasury and two
+autonomous AI agents — a buyer that pays for resources and a seller that
+serves them behind an x402 paywall. Payments settle on-chain via our own
+x402 → escrow rail, with optional insurance coverage and claims. A
+"Settlement Theater" terminal surfaces each step as it happens.
+
+Sidebar navigation:
+
+| Route        | Page         | Shows                                                              |
+| ------------ | ------------ | ------------------------------------------------------------------ |
+| `/`          | Agents       | Buyer + seller agents, treasury, the Settlement Theater terminal   |
+| `/analytics` | Analytics    | Charts over settlement activity                                    |
+| `/plugins`   | Plugins      | RSS resolver / policy plugins wired into the escrow                |
+| `/resources` | Resources    | The paid-resource catalog the buyer can purchase                   |
+| `/two-key`   | Two-Key Halt | A security primitive on x402 rails (Sentinel / Guardian / verdict) |
+
+## Run
+
+The demo needs a facilitator running (it does `/verify` + `/settle`) and a
+`.env.local` in this directory with the Arbitrum Sepolia + agent keys — copy
+`.env.example` and fill it in.
+
+Start the facilitator (`../facilitator-web`, or any deployment of
+`@reineira-os/x402-facilitator`), then from the solution root:
+
+```bash
+pnpm --filter @x402-insured-settlement/demo dev
+```
+
+Or from this directory:
+
+```bash
+pnpm dev          # next dev on http://localhost:3000
+pnpm build        # next build
+pnpm typecheck    # tsc --noEmit
+```
+
+## Routes
+
+- `GET /api/resource` — the x402 resource server.
+  - No `payment-signature` header → `402` with an x402 `payment-required`
+    body (version 2, scheme `exact`, network `eip155:421614`, USDC asset
+    from `@reineira-os/x402-shared`).
+  - With `payment-signature` header → validates the escrow, runs real
+    facilitator `/verify` + `/settle`, then returns a **live on-chain data
+    report** (`lib/resources.ts`): current Arbitrum Sepolia block + gas plus
+    ETH/USD spot, fetched fresh at request time. Nothing is hardcoded.