{
 "name": "Major Matters tracker changes",
 "publisher": "Major Matters",
 "url": "https://majormatters.co/trackers/changes",
 "license": "CC-BY-4.0",
 "updated": "2026-11-03",
 "description": "Every row that changed across the Major Matters trackers, dated and sourced. The source for the weekly what-moved digest.",
 "changes": [
  {
   "date": "2026-11-03",
   "tracker": "x402",
   "row": "Goldsky",
   "kind": "update",
   "summary": "Goldsky confirmed that the wallet behind 15 of the first 18 top-ups to its payTo wallet on Base is its own test buyer, so those are now recorded as test payments, along with three $0.05 top-ups from the same wallet on November 2 that Goldsky calls a monthly paid check. Seven other wallets have each paid one $0.005 top-up between October 30 and November 2. Goldsky also explained its dates: Edge RPC first took x402 through an earlier gate that stopped on May 15, and the current gate dates from July 20. Volume stays small.",
   "sourceUrl": "https://majormatters.co/x402",
   "tracker_title": "x402 Adoption",
   "tracker_url": "https://majormatters.co/x402"
  },
  {
   "date": "2026-11-01",
   "tracker": "x402",
   "row": "Goldsky",
   "kind": "update",
   "summary": "The Coinbase CDP facilitator option went live on October 29 and is now in the documentation. The 402 challenge lists it first, on five networks beside the 12 Circle Gateway networks, for 13 in all (Monad is new). CDP payments settle on chain, so the volume word moves from not observable to small: 18 USDC top-ups of $0.005 from four wallets on Base between October 29 and 31, a floor because Gateway top-ups stay invisible. Goldsky dates its current Edge RPC gate to July 20, 2026 and the wallets and tokens feeds to October 28, 2026. The minimum top-up for balances, transfers and tokens is now $0.05.",
   "sourceUrl": "https://docs.goldsky.com/edge-rpc/capabilities/x402",
   "tracker_title": "x402 Adoption",
   "tracker_url": "https://majormatters.co/x402"
  },
  {
   "date": "2026-10-31",
   "tracker": "merchant-readiness",
   "row": "Index",
   "kind": "update",
   "summary": "Weekly cloud run of October 31: 26 of 92 withheld robots.txt (29 on October 24), 46 of 92 served a readable homepage (45), llms.txt 15 (15), UCP profiles 4 (3), A2A cards 1 (1). American Eagle added a UCP profile, joining Chewy, Academy Sports and IKEA. WinCo Foods, Stater Bros and Weis Markets served robots.txt for the first time in the index, and each file names an AI agent; IKEA now names one too, and Burlington no longer does. Total Wine served its homepage again. 87 of 92 sites gave the same answers on all five measures as the week before.",
   "sourceUrl": "https://majormatters.co/trackers/merchant-readiness",
   "tracker_title": "Merchant Agent-Readiness Index",
   "tracker_url": "https://majormatters.co/trackers/merchant-readiness"
  },
  {
   "date": "2026-10-29",
   "tracker": "x402",
   "row": "Goldsky",
   "kind": "added",
   "summary": "Seller-side entry added: Goldsky, three pay-per-request data products at edge.goldsky.com over x402 (Edge RPC at 5 atomic USDC per call; Feeds at 350 or 10 atomic USDC per request), one payTo wallet, 12 settlement networks, a prepaid balance with a $0.005 minimum top-up settled through Circle Gateway. Status: live, volume not observable, because Gateway settlement leaves no per-call transfer on the payTo wallet. The company wrote in after reading the tracker, and the entry was checked against the live 402 challenges and the documentation.",
   "sourceUrl": "https://docs.goldsky.com/edge-rpc/capabilities/x402",
   "tracker_title": "x402 Adoption",
   "tracker_url": "https://majormatters.co/x402"
  },
  {
   "date": "2026-10-29",
   "tracker": "x402",
   "row": "All entries",
   "kind": "update",
   "summary": "Tracker structure: every entry now carries a verification block (checked date, methods used, what could not be checked), a kind (platform or seller), a slug, and for sellers a fixed volume word (no customer volume, small, not observable, material with a source). Sellers with a probe endpoint are re-checked daily by Major Labs for a live payment challenge and the page shows the last date each answered. New pages: /x402/method (how entries are verified) and /x402/submit (the evidence standard); a dated badge at /x402/badge/<slug>.svg.",
   "sourceUrl": "https://majormatters.co/x402/method",
   "tracker_title": "x402 Adoption",
   "tracker_url": "https://majormatters.co/x402"
  },
  {
   "date": "2026-10-27",
   "tracker": "x402",
   "row": "Kronos (nexismvp.com)",
   "kind": "added",
   "summary": "Seller-side entry added: eight pay-per-call market-data endpoints at api.nexismvp.com, $0.001 USDC each on Base through the CDP facilitator, manifest at /.well-known/x402 with an EIP-191 ownership signature that recovers to the settlement wallet. Status: live, small volume (49 settlements of $0.001 between August 8 and October 27, 2026, from 14 addresses, one of them 23 times). The operator is named in the OpenAPI contact field; no registration or location is published. It wrote in after reading the tracker, and the entry was checked against the manifest, the signature and the wallet history on Basescan.",
   "sourceUrl": "https://api.nexismvp.com/.well-known/x402",
   "tracker_title": "x402 Adoption",
   "tracker_url": "https://majormatters.co/x402"
  },
  {
   "date": "2026-10-24",
   "tracker": "merchant-readiness",
   "row": "Index",
   "kind": "update",
   "summary": "Weekly cloud run of October 24: 29 of 92 withheld robots.txt (31 on October 17), 45 of 92 served a readable homepage (46), llms.txt 15 (15), UCP profiles 3 (3), A2A cards 1 (1). Food Lion served robots.txt again after a week without it, and Kohl's served one for the first time in the index. Total Wine returned an empty page shell instead of its homepage, and Advance Auto answered again after a week with no response. 88 of 92 sites gave the same answers on all five measures as the week before.",
   "sourceUrl": "https://majormatters.co/trackers/merchant-readiness",
   "tracker_title": "Merchant Agent-Readiness Index",
   "tracker_url": "https://majormatters.co/trackers/merchant-readiness"
  },
  {
   "date": "2026-10-21",
   "tracker": "x402",
   "row": "Usage datapoints",
   "kind": "update",
   "summary": "Chainalysis (October 14) counts more than 138 million cumulative x402 transactions on Base through Q3 2026, up from 100 million through Q1; over 87 percent of payments are under a dime, and the median wallet age at first payment fell from 73 days in late 2025 to 18 minutes. Raw counts, kept alongside the TRM Labs filtered estimate from September.",
   "sourceUrl": "https://www.chainalysis.com/blog/north-america-crypto-adoption-2026/",
   "tracker_title": "x402 Adoption",
   "tracker_url": "https://majormatters.co/x402"
  },
  {
   "date": "2026-10-21",
   "tracker": "programmable-money",
   "row": "GENIUS Act",
   "kind": "status",
   "summary": "The OCC issued its final rule implementing the GENIUS Act on October 21, the first federal regulator to finish one: requirements for permitted and foreign payment stablecoin issuers under OCC jurisdiction and for custody by OCC-supervised entities, covering reserve backing, redemption and risk management, effective January 18, 2027. Anti-money-laundering and sanctions rules follow separately. The comment period on Treasury's section 3 proposal closed on October 19.",
   "sourceUrl": "https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-92.html",
   "tracker_title": "Programmable Money",
   "tracker_url": "https://majormatters.co/trackers/programmable-money"
  },
  {
   "date": "2026-10-17",
   "tracker": "merchant-readiness",
   "row": "Index",
   "kind": "update",
   "summary": "Weekly cloud run of October 17: 31 of 92 withheld robots.txt (29 on October 10), 46 of 92 served a readable homepage (46), llms.txt 15 (15), UCP profiles 3 (2), A2A cards 1 (0). The A2A card is the first the index has found: AT&T publishes one for its \"AT&T Shopping Assistant\". IKEA added a UCP profile, and Food Lion and TJ Maxx began withholding robots.txt. 88 of 92 sites gave the same answers as the week before.",
   "sourceUrl": "https://majormatters.co/trackers/merchant-readiness",
   "tracker_title": "Merchant Agent-Readiness Index",
   "tracker_url": "https://majormatters.co/trackers/merchant-readiness"
  },
  {
   "date": "2026-10-12",
   "tracker": "agent-payment-protocols",
   "row": "Universal Commerce Protocol (UCP)",
   "kind": "update",
   "summary": "Newegg integrated UCP checkout: purchases complete inside Google Search, AI Mode and Gemini with Google Pay, and Newegg stays merchant of record; it joins the January co-developers Shopify, Etsy, Wayfair, Target and Walmart and launch endorsers such as Macy's (Google, January 11; Digital Commerce 360, October 12). For scale: the Saturday scan of October 10 found 2 of the 92 largest US storefronts publishing a UCP profile an agent can discover from the front door.",
   "sourceUrl": "https://www.digitalcommerce360.com/2026/10/12/newegg-adds-google-ucp-checkout-integration/",
   "tracker_title": "Agent Payment Protocols",
   "tracker_url": "https://majormatters.co/trackers/agent-payment-protocols"
  },
  {
   "date": "2026-10-10",
   "tracker": "merchant-readiness",
   "row": "Index",
   "kind": "update",
   "summary": "Weekly cloud run of October 10: 29 of 92 withheld robots.txt (28 on September 26), 46 of 92 served a readable homepage (49), llms.txt 15 (16), UCP profiles 2 (3), A2A cards 0. One fewer UCP profile was found than in September; the September 20 UK-home comparison run and the October 3 run are in the data file alongside.",
   "sourceUrl": "https://majormatters.co/trackers/merchant-readiness",
   "tracker_title": "Merchant Agent-Readiness Index",
   "tracker_url": "https://majormatters.co/trackers/merchant-readiness"
  },
  {
   "date": "2026-10-06",
   "tracker": "agent-payment-protocols",
   "row": "Personal Agent Protocol",
   "kind": "added",
   "summary": "Row added: Sierra and Meta, with Genesys, Instinct, Rocket, Shopify, Stripe and Walmart, announced an OAuth-based open standard for how a personal agent signs in to a business (guest access, then read-only or write access the customer chooses, with the company deciding what it exposes), with payments as a later extension and a v0.1 specification due in October 2026. OpenAI, Amazon and Anthropic are not founders.",
   "sourceUrl": "https://sierra.ai/blog/introducing-personal-agent-protocol",
   "tracker_title": "Agent Payment Protocols",
   "tracker_url": "https://majormatters.co/trackers/agent-payment-protocols"
  },
  {
   "date": "2026-10-03",
   "tracker": "x402",
   "row": "GigSoul",
   "kind": "added",
   "summary": "Seller-side entry added: 30 pay-per-call endpoints at api.gigsoul.com, $0.005 to $2.00 USDC on Base through the CDP facilitator, manifest at /.well-known/x402.json. Status: live, no customer volume (51 settlements since September 19, all the operator's own QA calls). The operator describes itself as AI with human oversight and publishes no named person or registration; it wrote in after reading the tracker, and the entry was checked against the manifest and the settlement feed.",
   "sourceUrl": "https://api.gigsoul.com/.well-known/x402.json",
   "tracker_title": "x402 Adoption",
   "tracker_url": "https://majormatters.co/x402"
  },
  {
   "date": "2026-09-30",
   "tracker": "programmable-money",
   "row": "GENIUS Act",
   "kind": "update",
   "summary": "Treasury issued an interim final rule on how state stablecoin regimes for issuers with up to $10 billion outstanding get certified as substantially similar; comments due November 30.",
   "sourceUrl": "https://www.govinfo.gov/content/pkg/FR-2026-09-30/pdf/2026-19966.pdf",
   "tracker_title": "Programmable Money",
   "tracker_url": "https://majormatters.co/trackers/programmable-money"
  },
  {
   "date": "2026-09-26",
   "tracker": "merchant-readiness",
   "row": "Index",
   "kind": "update",
   "summary": "Second weekly run: 28 of 92 withheld robots.txt (29 last week), 49 of 92 served a readable homepage (50), llms.txt 16, UCP profiles 3, A2A cards 0. 89 of 92 sites gave the same answer as the week before.",
   "sourceUrl": "https://majormatters.co/trackers/merchant-readiness",
   "tracker_title": "Merchant Agent-Readiness Index",
   "tracker_url": "https://majormatters.co/trackers/merchant-readiness"
  },
  {
   "date": "2026-09-20",
   "tracker": "merchant-readiness",
   "row": "Index",
   "kind": "added",
   "summary": "First run: 29 of 92 NRF Top 100 storefronts withheld robots.txt from a self-identified agent; 16 of 63 readable files name any AI agent; 50 of 92 served a readable homepage; 3 publish a UCP profile.",
   "sourceUrl": "https://majormatters.co/trackers/merchant-readiness",
   "tracker_title": "Merchant Agent-Readiness Index",
   "tracker_url": "https://majormatters.co/trackers/merchant-readiness"
  },
  {
   "date": "2026-09-18",
   "tracker": "agent-payment-protocols",
   "row": "x402",
   "kind": "update",
   "summary": "Status note added: the x402 Foundation launched under the Linux Foundation on July 14, 2026 with 40 named members; Coinbase, Cloudflare and Stripe sit on the Technical Steering Committee.",
   "sourceUrl": "https://majormatters.co/x402",
   "tracker_title": "Agent Payment Protocols",
   "tracker_url": "https://majormatters.co/trackers/agent-payment-protocols"
  },
  {
   "date": "2026-09-16",
   "tracker": "programmable-money",
   "row": "USDC",
   "kind": "update",
   "summary": "Circle launched the Arc mainnet, a layer-one chain with USDC as the native gas token and eleven institutions producing blocks.",
   "sourceUrl": "https://www.circle.com/usdc",
   "tracker_title": "Programmable Money",
   "tracker_url": "https://majormatters.co/trackers/programmable-money"
  },
  {
   "date": "2026-09-15",
   "tracker": "programmable-money",
   "row": "Digital euro",
   "kind": "update",
   "summary": "The ECB opened a call for e-commerce and mobile-commerce merchants to join the pilot.",
   "tracker_title": "Programmable Money",
   "tracker_url": "https://majormatters.co/trackers/programmable-money"
  },
  {
   "date": "2026-09-15",
   "tracker": "programmable-money",
   "row": "Clarity Act (Digital Asset Market Clarity Act)",
   "kind": "status",
   "summary": "Senate cloture vote failed 49 to 50 over stablecoin yield and ethics provisions; the bill stays in development.",
   "tracker_title": "Programmable Money",
   "tracker_url": "https://majormatters.co/trackers/programmable-money"
  },
  {
   "date": "2026-09-14",
   "tracker": "programmable-money",
   "row": "Clarity Act (Digital Asset Market Clarity Act)",
   "kind": "added",
   "summary": "Row added for the Senate final draft of the Digital Asset Market Clarity Act.",
   "tracker_title": "Programmable Money",
   "tracker_url": "https://majormatters.co/trackers/programmable-money"
  },
  {
   "date": "2026-09-14",
   "tracker": "agent-payment-protocols",
   "row": "Universal Commerce Protocol (UCP)",
   "kind": "update",
   "summary": "Worldline launched a UCP payment handler, one of the first in Europe, so merchants can declare a payment configuration once for agent-initiated purchases.",
   "tracker_title": "Agent Payment Protocols",
   "tracker_url": "https://majormatters.co/trackers/agent-payment-protocols"
  },
  {
   "date": "2026-09-11",
   "tracker": "programmable-money",
   "row": "USDC",
   "kind": "update",
   "summary": "Circle agreed to acquire Tazapay, a Singapore B2B cross-border platform with about $25 billion in annualized volume; close expected in 2027.",
   "tracker_title": "Programmable Money",
   "tracker_url": "https://majormatters.co/trackers/programmable-money"
  },
  {
   "date": "2026-09-09",
   "tracker": "agent-payment-protocols",
   "row": "Know-Your-Agent (KYA) Interoperability Framework",
   "kind": "added",
   "summary": "Row added: Ant International, Mastercard and Visa announced a Know-Your-Agent interoperability framework for agent onboarding across networks, wallets and marketplaces.",
   "sourceUrl": "https://www.pymnts.com/cybersecurity/2026/visa-mastercard-team-with-ant-know-your-agent-framework",
   "tracker_title": "Agent Payment Protocols",
   "tracker_url": "https://majormatters.co/trackers/agent-payment-protocols"
  },
  {
   "date": "2026-09-01",
   "tracker": "programmable-money",
   "row": "Bank consortium USD stablecoin",
   "kind": "added",
   "summary": "Row added: 21 financial institutions announced a company to issue a USD stablecoin, launch targeted for H1 2027.",
   "sourceUrl": "https://www.prnewswire.com/news-releases/group-of-leading-international-financial-institutions-to-establish-stablecoin-enterprise-302866318.html",
   "tracker_title": "Programmable Money",
   "tracker_url": "https://majormatters.co/trackers/programmable-money"
  }
 ]
}