diff --git a/.changeset/x402-missing-wallet-key.md b/.changeset/x402-missing-wallet-key.md
new file mode 100644
index 00000000..cc9ddc71
--- /dev/null
+++ b/.changeset/x402-missing-wallet-key.md
@@ -0,0 +1,5 @@
+---
+"nansen-cli": patch
+---
+
+x402 payments skip an option whose chain has no key in the wallet with a clear reason (for example `wallet "main" has no Solana key`) instead of a raw JavaScript error, and the self-sponsored Solana `feePayer` error no longer points only at Base as the alternative.
diff --git a/src/__tests__/x402-svm.test.js b/src/__tests__/x402-svm.test.js
index b014e7ca..aefc9ed5 100644
--- a/src/__tests__/x402-svm.test.js
+++ b/src/__tests__/x402-svm.test.js
@@ -187,7 +187,7 @@ describe('buildUnsignedSvmTransaction', () => {
   it('refuses a feePayer equal to the paying wallet instead of building a malformed transaction', () => {
     const selfPay = { ...requirements, extra: { feePayer: wallet.address } };
     expect(() => buildUnsignedSvmTransaction(selfPay, wallet.address, blockhash))
-      .toThrow(/feePayer is the paying wallet .*Another payment option will be tried/);
+      .toThrow(/feePayer is the paying wallet .*Another payment option will be tried; if none succeeds, pay on another network/);
     expect(() => createSvmPaymentPayload(selfPay, wallet.privateKey, wallet.address, 'https://r', blockhash))
       .toThrow(/feePayer is the paying wallet/);
   });
diff --git a/src/__tests__/x402.test.js b/src/__tests__/x402.test.js
index 63293847..3aec32ae 100644
--- a/src/__tests__/x402.test.js
+++ b/src/__tests__/x402.test.js
@@ -398,6 +398,68 @@ describe('createPaymentSignatures — policy guard integration', () => {
     vi.doUnmock('../x402-evm.js');
   });
 
+  // A wallet without a Solana key used to reach the SVM builder and surface a
+  // raw TypeError on the skip line.
+  it('12d. skips a Solana option with a clear reason when the wallet has no Solana key', async () => {
+    vi.doMock('../wallet.js', () => ({
+      listWallets: () => ({
+        defaultWallet: 'test',
+        wallets: [{ name: 'test', evm: '0xFakeAddress' }],
+      }),
+      exportWallet: () => ({
+        name: 'test',
+        evm: FAKE_EXPORTED.evm,
+        solana: { address: undefined, privateKey: null },
+      }),
+      getWalletConfig: () => ({ passwordHash: null }),
+    }));
+
+    // Cheaper than the EVM option, so it is tried first.
+    const solanaOption = {
+      scheme: 'exact',
+      network: 'solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp',
+      asset: 'EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v',
+      amount: '5000',
+      payTo: 'FakeSolanaPayTo',
+      extra: { feePayer: 'FakeFacilitator' },
+      maxTimeoutSeconds: 120,
+    };
+    const evm = makeRequirement(10_000n);
+
+    const createEvmSpy = vi.fn().mockReturnValue('fake-sig-ok');
+    const createSvmSpy = vi.fn();
+    vi.doMock('../x402-evm.js', () => ({
+      createEvmPaymentPayload: createEvmSpy,
+      isEvmNetwork: (n) => n.startsWith('eip155:'),
+      PERMIT2_ADDRESS: '0x000000000022D473030F116dDEE9F6B43aC78BA3',
+    }));
+    vi.doMock('../x402-svm.js', () => ({
+      createSvmPaymentPayload: createSvmSpy,
+      isSvmNetwork: (n) => n.startsWith('solana:'),
+      fetchRecentBlockhash: vi.fn(),
+      getSolanaRpcUrl: vi.fn(),
+    }));
+
+    const { createPaymentSignatures } = await import('../x402.js');
+    const payload = { accepts: [evm, solanaOption] };
+    const header = Buffer.from(JSON.stringify(payload), 'utf8').toString('base64');
+    const response = { headers: { get: (k) => (k === 'payment-required' ? header : null) } };
+
+    const results = [];
+    for await (const item of createPaymentSignatures(response, 'https://api.nansen.ai/test')) {
+      results.push(item);
+    }
+
+    expect(results).toEqual([{ signature: 'fake-sig-ok', network: 'eip155:8453', asset: evm.asset }]);
+    expect(createSvmSpy).not.toHaveBeenCalled();
+    expect(consoleErrorSpy).toHaveBeenCalledWith(
+      expect.stringMatching(/^\[x402\] Skipping solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp option: wallet "test" has no Solana key\. .*nansen wallet create/),
+    );
+
+    vi.doUnmock('../x402-evm.js');
+    vi.doUnmock('../x402-svm.js');
+  });
+
   it('13. permit2-exact preflight checks allowance against resolvePaymentAmount, not raw empty amount', async () => {
     // Regression: hasPermit2Allowance must be called with the guard's resolved
     // amount, not requirement.amount directly — otherwise amount: "" coerces to
diff --git a/src/x402-svm.js b/src/x402-svm.js
index af2d3f8f..62aa0f5a 100644
--- a/src/x402-svm.js
+++ b/src/x402-svm.js
@@ -263,7 +263,7 @@ export function buildUnsignedSvmTransaction(
       : `its transaction requires ${numRequiredSignatures} signatures instead of ${X402_SVM_SIGNER_COUNT}`;
     throw new Error(
       `Cannot pay this x402 Solana option: ${cause}. ` +
-      'Another payment option will be tried; if none succeeds, pay on Base or report this payment option to Nansen.',
+      'Another payment option will be tried; if none succeeds, pay on another network or report this payment option to Nansen.',
     );
   }
 
diff --git a/src/x402.js b/src/x402.js
index f5acd695..a884a708 100644
--- a/src/x402.js
+++ b/src/x402.js
@@ -120,6 +120,18 @@ async function buildPaymentForRequirement(requirement, exported, url) {
     return null;
   }
 
+  // exportWallet returns a null key for a chain the wallet file doesn't hold.
+  // Skip that option with a clear reason instead of failing on the missing key.
+  const rail = isEvmNetwork(requirement.network) ? 'evm' : 'solana';
+  if (!exported[rail]?.privateKey || !exported[rail]?.address) {
+    const chain = rail === 'evm' ? 'EVM' : 'Solana';
+    console.error(
+      `[x402] Skipping ${requirement.network} option: wallet "${exported.name}" has no ${chain} key. ` +
+      'Create a wallet with both keys (nansen wallet create) and make it the default (nansen wallet default <name>).',
+    );
+    return null;
+  }
+
   if (isEvmNetwork(requirement.network)) {
     if ((requirement.extra || {}).assetTransferMethod === 'permit2-exact') {
       const resolvedAmount = resolvePaymentAmount(requirement);