On November 14th as much as $15 trillion will transfer into a brand-new financial system, backed by every major financial institution in the country.
According to investment strategist Ian King, it's part of something called the “x402 Project” and those who position themselves correctly will make fortunes.
The Teaser
A rare and fundamental shift in the way money works is the theme of our teaser.
Former Wall Street trader, crypto guy, and Chief Investment Strategist of investment newsletter publisher Banyan Hill, Ian King, has previously brought us such teasers as the Bot-Com Revolution and Convergence X Stock Picks, among others.
Shifts in how we use money have happened before and we are provided some examples. Like when credit cards were created, resulting in American Express returning investors 80 times their money since 1973.
It happened again with internet payments and PayPal went on to net its investors 16 times their money in 18 years.
Finally, Bitcoin may be the most notable example of a money shift, making investors 82 times their money over the past decade.
Ian believes it's about to happen again, only this time the change is going to be much bigger.
This what the “X402 Project” is all about and it will kick off before November 14th when artificial intelligence (AI) starts “moving money on its own.”
How will it do so?
AI Agents.
These can do a lot more than just type and talk like the average generative AI interface. They can perform entire tasks, start to finish, on their own.
From coding to drafting an IPO prospectus that used to take a team of six analysts two whole weeks. AI agents can do it in minutes.
However, there's something they can't do…spend money.
That's because our half-century old electronic money system was designed for humans to log in, type a password, and approve every payment by hand.
This may be fine for you and me, buying one thing at a time, but Ian says:
For AI agents working every second of every day, stopping and waiting for human approval is a multi-trillion-dollar problem
The solution is the “x402 Project,” which the federal government, credit card giants, and titans of Silicon Valley have all gotten behind, and it could be one of the biggest investment opportunities of the next 12 months and beyond.
The Pitch
Everything on the emerging AI agent space and how to play it is revealed inside a report called x402 Fortunes: Three Stocks Powering The $15 Trillion Agent Economy.
It can be ours with a subscription to Banyan's flagship research investment service, Strategic Fortunes.
This costs $49 for the first three months and $99 every quarter thereafter.
What in the World is x402 Project?
When money moves faster, the economy grows faster.
It's a simple thought, but it carries a lot of weight.
The velocity of money or the number of times that one unit of currency is used to purchase goods and services within a given time period has long been used by economists to measure how fast an economy is growing.
x402 is an open, neutral standard for internet-native payments created by the Linux Foundation in partnership with founding members across finance, cloud infrastructure, and payments.
It's stated aim is to enable money to move the same way information does…instantly, automatically, and safely, with no human in the middle.
I imagine DOGE with a banker's top hat on when reading this description.
It's a lofty goal and one that would see AI agents make payments, get paid, and settle up entirely on their own. All in a fraction of a second, for a fraction of a cent.
The how is a little more complex.
the dawn of the agent economy
For the past 13 months, top programming and financial minds have worked on a better way to transfer funds.
What they came up with was building the protocol into existing HTTP requests, with no additional communication required.
No account setup or approval required and AI agents pay instantly with stablecoins. The full breakdown looks like this:
Visa’s Chief Financial Officer, said:
x402 will change commerce as profoundly as ecommerce did a generation ago.
November 14th is when Ian believes “the instant money switch will get flipped” and every major bank in America will upgrade its systems to work with AI agents.
It could be the single biggest money shift in human history and Ian thinks he's found the best ways to play it.
Revealing Ian King's “x402 Project” Agent Economy Stocks
In every payment revolution throughout history, be it debit cards, credit cards, or e-commerce, the real fortunes weren't made by the big household names. But by smaller, relatively unknown companies building the infrastructure.
This is what Ian is teasing.
First x402 Stock
- It's a founding member of the x402 Foundation alongside Google, Amazon, Microsoft, Mastercard and Visa.
- Unlike other founding members, it's market cap is much smaller, at around $24 billion.
- It's been given a rare license, by the U.S. Government itself, to mint digital dollars.
This is Circle Internet Group (NYSE: CRCL).
- Circle is listed as a founding member on the x402 website and it's market value hovers around $18 billion at the moment, down some 15% year-to-date.
- As the issuer of the USDC stablecoin, it has been approved to operate as a national trust bank in the United States by the Office of the Comptroller of the Currency (OCC).
Second x402 Stock
- This company is already the backbone of corporate software, with more than 6,600 organizations depending on it, including 80% of the Fortune 100.
- Nvidia has selected it to be the security layer for its own AI agents.
JFrog Ltd. (Nasdaq: FROG) is Ian's second pick.
- JFrog has developed a platform for managing and securing the entire software supply chain, which serves approximately 6,600 organizations globally, including over 80% of Fortune 100 companies as of year-end 2025.
- It has a partnership with Nvidia for securing and optimizing AI agents and models via the JFrog platform.
Third x402 Stock
- One company has set itself up to own the checkout for the entire agent economy.
- It already powers more than 6 million online stores, serving 875 million customers in 175 countries.
The final pick is none other than Shopify Inc. (Nasdaq: SHOP).
- Per it's own news release, Shopify powers more than 6 million active online stores, serving over 875 million customers across 175 countries.
Turn $5k into $20k by the end of the year?
Three companies, one stake in every dollar that moves through the agent economy.
This is the promise of Ian's x402 stocks.
However, before we rejoice that the days of snail-like payment settlements are finally over, let's take a quick look at how the x402 protocol has been used to date.
Since it's launch in May 2025, more than 100 million stablecoin transactions have been processed by the protocol, primarily business to business payments for APIs, compute, and data.
In other words corporate payments that are typically too small for bank wires and inconvenient for credit card processors.
Additionally, stablecoins are already regulated in the U.S. and require government-issued ID to purchase through centralized platforms that follow Know Your Customer (KYC) rules, so there's that.
X402 is a more of a new B2B payment option than the payment revolution that Ian claims.
As for the three picks, JFrog is not profitable and Shopify trades at an exorbitant 102x current earnings.
That leaves us with Circle, which has been growing by every metric, USDC circulation, transaction volume, and importantly, operating cashflow.
It trades for a more moderate 38x current earnings after falling by about 16% so far this year and it may become a buy if it continues dropping.
However, I don't see the near-term 3x potential in any of these names.
Quick Recap & Conclusion
- Investment strategist Ian King says $15 trillion will be transferred to a new financial system and something called the “x402 Project” is at the heart of it.
- The “x402 Project” uses the 402 HTTP status code to automate machine-to-machine or human-to-machine transactions.
- Three stocks are the best way to play it and they are revealed inside a report called x402 Fortunes: Three Stocks Powering The $15 Trillion Agent Economy. It's ours with a subscription to Banyan Publishing's flagship research service, Strategic Fortunes, which costs $99 for the first three months (normally $199).
- No sub is needed if you read the Greenbull though, as we revealed all three “x402 Project” Stocks for free! They are Circle Internet Group (NYSE: CRCL), JFrog Ltd. (Nasdaq: FROG), and Shopify Inc. (Nasdaq: SHOP).
- JFrog is not profitable and Shopify trades at an exorbitant 102x current earnings. Circle is the only potential buy if it's price drops further, but there's no near-term 3x candidate.
Will the x402 protocol be the next payment revolution? Tell us what you think in the comments.