X402 vs UCP vs ACP vs AP2 And Why the Answer Isn't Picking a Winner

I've spent the last year integrating every major agentic payment protocol into a single SDK. Not studying them from the outside actually writing the adapter code, handling the edge cases, debugging the interop failures.

Here's what the landscape actually looks like from the inside, and why the fragmentation problem is worse than most people realize.

The Protocols

x402: Coinbase (HTTP 402 Micropayments)