Composing a third-party spend/policy gate with examples/x402 and x402-mcp?

[AffixIO]

Context

Your README points ideas to Discussions (no external PRs). Looking at:

• examples/x402 — HTTP route gating via @x402/hono + agent wrapFetchWithPayment
• examples/x402-mcp — paid MCP tools via withX402 / withX402Client / paidTool()

Separately, npm affixio@1.3.3 exports x402BeforePay and mcpToolGate (dist/agentic-pay-kit.d.ts). Spend/policy checks only. Not an x402 settlement impl. Not integrated with Agents today.

Ask

For builders who want a third-party spend/policy check before pay on those paths, where should that sit?

1. Beside the Hono paymentMiddleware / fetch wrapper in examples/x402
2. Beside paidTool() / the client confirmation flow in examples/x402-mcp
3. Somewhere else you prefer vendors to plug in

Discovery only. Happy to follow your preferred pattern.