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The owner's call, 2026-10-30: USDC through Circle Gateway is Circle's own SDK (@circle-fin/x402-batching) in Hanzo's x402 gateway in front of cloud, a deposit into Gateway once and a payment per request. The Go rail reimplemented that protocol, so it goes now rather than later: billing/gateway, payment/providers/circle, models/remittance, the three /v1/billing/crypto/gateway routes, the commerce treasury route, and the gateway networks in /v1/billing/crypto/options. Crypto top-ups by authorization pause until the gateway takes them; the deposit-address rail is unchanged. Hashid kinds 292 and 293 stay taken. Testing: go build ./... and vet clean; api/billing's crypto tests pass (TestPlanAtInterval and TestSubscribeTrial_NoChargeCardVaultedTrialing fail on main without this change too). Risk: removes a live payment route; cloud must drop its plane ops in the release that pins this. How to revert: revert this commit.