create_x402_payment_challenge
Returns payment_required object, base64 header value, and fallback instructions.
Agents can request a 402-style payment challenge object for movement fees while still using payment_reference when x402 settlement is not active.
Build optional HTTP 402/x402-compatible PAYMENT-REQUIRED envelopes while keeping payment_reference fallback for hosted checkout, invoices, or wallet references.
Returns payment_required object, base64 header value, and fallback instructions.
GET or POST mode http_402_challenge can return a true 402 with PAYMENT-REQUIRED header.
Keeps existing payment_reference path available for production safety.