X402 Real Use Cases

I spent 1 month talking to 10 SaaS and AI companies trying to sell them on x402.
Here's what almost all of them said:

"Why would an AI agent pay per usage for a certain app when you can just create a SaaS product, ask for a top-up, and internally use credits?"

x402 doesn't replace the per-usage model. It solves one specific problem: no human in the loop.

There are 2 use cases:

Anonymous autonomous agent. No account. No signup. No pre-loaded balance. Pays mid-task and moves on.

Humans with accounts created - that want to automate - a top-up credit model wins with pay per usage with credits.

BUT
Almost every SaaS would want you to create your account.

SO x402 is really only good for automatic top-ups / payments.
Change my mind.