> ## Documentation Index > Fetch the complete documentation index at: https://docs.4mica.io/llms.txt > Use this file to discover all available pages before exploring further. # 4Mica Developer Docs > Start here to understand what 4Mica does and how to begin building. Workspace [4Mica](https://4mica.io) is the clearing house for the agentic economy: a credit layer for x402 that lets agents and applications transact instantly, earn yield on collateral, and settle net positions later. Instead of forcing every request to become an on-chain transaction, 4Mica lets a payer deposit collateral once, sign off-chain payment guarantees per request, and settle later. Resource servers keep the familiar HTTP 402 flow while gaining programmable credit, non-custodial enforcement, and batched settlement. ## Who 4Mica Is For * **API providers** that want to charge per request without accounts, invoices, or prepaid balances. * **AI agents** that need to pay many services during a task and settle once later. * **Applications** that want x402-compatible payments with credit, collateral, and net settlement. * **Protocol teams** building financial infrastructure for high-frequency agent-to-agent commerce. ## The basic story A payer deposits ETH or a supported ERC-20 into the Core4Mica vault. A seller protects an HTTP route with x402 payment requirements and publishes the price, asset, network, and recipient address. The buyer receives HTTP 402, creates a unique request ID, signs a guarantee, and retries the request. The seller verifies and settles the payment through the facilitator, then serves the protected response. Payable guarantees enter a clearing cycle. Net debtors settle their positions, and locked collateral covers defaults according to protocol rules. ## Related Topics Make your first paid request with 4Mica. Build an agent or client that pays APIs. Protect an API, model, dataset, or workflow.