diff --git a/examples/facilitator-server/src/app.ts b/examples/facilitator-server/src/app.ts
index 2454d970..05d192be 100644
--- a/examples/facilitator-server/src/app.ts
+++ b/examples/facilitator-server/src/app.ts
@@ -100,13 +100,16 @@ interface Facilitator {
   };
 }
 
+export type AppModule = unknown;
+
 export interface AppConfig {
   facilitator: Facilitator;
   tracking?: ResourceTrackingModule;
+  modules?: AppModule[];
 }
 
 export function createApp(config: AppConfig) {
-  const { facilitator, tracking } = config;
+  const { facilitator, tracking, modules = [] } = config;
   const safeTrack = async (
     fn: (module: ResourceTrackingModule) => Promise<void>,
     label = "tracking"
@@ -131,7 +134,7 @@ export function createApp(config: AppConfig) {
     }
   };
 
-  const app = new Elysia({ adapter: node() })
+  const baseApp = new Elysia({ adapter: node() })
     .use(
       logger({
         autoLogging: true,
@@ -143,7 +146,13 @@ export function createApp(config: AppConfig) {
         serviceName: process.env.OTEL_SERVICE_NAME ?? "x402-facilitator",
         spanProcessors: [new BatchSpanProcessor(new OTLPTraceExporter())],
       })
-    )
+    );
+
+  for (const module of modules) {
+    baseApp.use(module as any);
+  }
+
+  const app = baseApp
     .get("/", () => file("./public/index.html"))
     .use(staticPlugin())
     .post("/verify", async ({ body, request, status }) => {
diff --git a/examples/facilitator-server/src/index.ts b/examples/facilitator-server/src/index.ts
index a22a1a80..25960e89 100644
--- a/examples/facilitator-server/src/index.ts
+++ b/examples/facilitator-server/src/index.ts
@@ -11,6 +11,8 @@
  * - CDP_API_KEY_ID, CDP_API_KEY_SECRET, CDP_WALLET_SECRET: For CDP signer
  * - EVM_PRIVATE_KEY, SVM_PRIVATE_KEY: For private key signer (fallback)
  * - EVM_RPC_URL_BASE, EVM_RPC_URL_BASE_SEPOLIA: RPC URLs
+ * - BEARER_TOKEN: Required bearer token for /verify and /settle
+ * - BEARER_TOKENS: Optional comma-separated bearer token list (overrides BEARER_TOKEN)
  */
 
 import pg from "pg";
@@ -20,10 +22,26 @@ import { createFacilitator } from "@daydreamsai/facilitator";
 import { createApp } from "./app.js";
 import { createDrizzleAdapter, createTracking } from "./db.js";
 import { runMigrations } from "./db-migrate.js";
+import { createBearerTokenModule } from "./modules/bearer-token.js";
 import * as trackingSchema from "./schema/tracking.js";
 
 const PORT = parseInt(process.env.PORT || "8090", 10);
 const DATABASE_URL = process.env.DATABASE_URL;
+const BEARER_TOKEN = process.env.BEARER_TOKEN?.trim();
+const BEARER_TOKENS = process.env.BEARER_TOKENS?.split(",")
+  .map((token) => token.trim())
+  .filter(Boolean);
+const TOKENS = BEARER_TOKENS && BEARER_TOKENS.length > 0
+  ? BEARER_TOKENS
+  : BEARER_TOKEN
+    ? [BEARER_TOKEN]
+    : [];
+
+if (TOKENS.length === 0) {
+  throw new Error(
+    "Set BEARER_TOKEN or BEARER_TOKENS to require bearer auth for facilitator startup."
+  );
+}
 
 // Database setup (optional)
 let pool = DATABASE_URL
@@ -53,7 +71,17 @@ const tracking = createTracking(pgClient);
 
 // Facilitator + App
 const facilitator = createFacilitator({ ...defaultSigners });
-const app = createApp({ facilitator, tracking });
+const app = createApp({
+  facilitator,
+  tracking,
+  modules: [
+    createBearerTokenModule({
+      tokens: TOKENS,
+      protectedPaths: ["/verify", "/settle"],
+      realm: "facilitator",
+    }),
+  ],
+});
 
 app.listen(PORT);
 console.log(`x402 Facilitator listening on http://localhost:${PORT}`);
diff --git a/examples/facilitator-server/src/modules/bearer-token.ts b/examples/facilitator-server/src/modules/bearer-token.ts
new file mode 100644
index 00000000..4bdf1901
--- /dev/null
+++ b/examples/facilitator-server/src/modules/bearer-token.ts
@@ -0,0 +1,86 @@
+import { Elysia } from "elysia";
+
+export interface BearerTokenModuleConfig {
+  tokens: string[];
+  protectedPaths?: string[];
+  realm?: string;
+}
+
+const DEFAULT_PROTECTED_PATHS = ["/verify", "/settle"];
+const DEFAULT_REALM = "facilitator";
+
+function normalizePath(path: string): string {
+  if (!path || path === "/") return "/";
+  return path.endsWith("/") ? path.slice(0, -1) : path;
+}
+
+function parseRequestPath(request: Request, fallbackPath?: string): string {
+  const rawUrl = request.url || "";
+  try {
+    return normalizePath(new URL(rawUrl).pathname);
+  } catch {
+    try {
+      return normalizePath(new URL(rawUrl, "http://localhost").pathname);
+    } catch {
+      return normalizePath(fallbackPath ?? "/");
+    }
+  }
+}
+
+function parseBearerAuthorizationHeader(headerValue: string): string | undefined {
+  const match = /^Bearer\s+(.+)$/i.exec(headerValue.trim());
+  if (!match) return undefined;
+  const token = match[1]?.trim();
+  return token || undefined;
+}
+
+function matchesProtectedPath(path: string, protectedPaths: string[]): boolean {
+  return protectedPaths.some(
+    (protectedPath) =>
+      path === protectedPath || path.startsWith(`${protectedPath}/`)
+  );
+}
+
+function escapeRealm(realm: string): string {
+  return realm.replace(/"/g, '\\"');
+}
+
+export function createBearerTokenModule(
+  config: BearerTokenModuleConfig
+): unknown {
+  const tokens = config.tokens.map((token) => token.trim()).filter(Boolean);
+  if (!tokens.length) {
+    throw new Error("Bearer auth requires at least one token.");
+  }
+
+  const realm = config.realm ?? DEFAULT_REALM;
+  const protectedPaths = (config.protectedPaths ?? DEFAULT_PROTECTED_PATHS).map(
+    normalizePath
+  );
+  const validTokens = new Set(tokens);
+  const challengeHeader = `Bearer realm="${escapeRealm(realm)}"`;
+
+  return (app: Elysia) =>
+    app.onBeforeHandle(({ request, path, set }) => {
+      const requestPath = parseRequestPath(request, path);
+      if (!matchesProtectedPath(requestPath, protectedPaths)) {
+        return;
+      }
+
+      const authorizationHeader = request.headers.get("authorization");
+      const token = authorizationHeader
+        ? parseBearerAuthorizationHeader(authorizationHeader)
+        : undefined;
+
+      if (token && validTokens.has(token)) {
+        return;
+      }
+
+      set.status = 401;
+      set.headers["www-authenticate"] = challengeHeader;
+      return {
+        error: "Unauthorized",
+        message: "Valid Bearer token is required",
+      };
+    });
+}
diff --git a/examples/facilitator-server/tests/app.test.ts b/examples/facilitator-server/tests/app.test.ts
index 0bf46e38..1b092eb9 100644
--- a/examples/facilitator-server/tests/app.test.ts
+++ b/examples/facilitator-server/tests/app.test.ts
@@ -2,6 +2,7 @@ import { beforeEach, describe, expect, it } from "bun:test";
 import { createApp } from "../src/app.js";
 import { createTracking } from "../src/db.js";
 import type { AppConfig } from "../src/app.js";
+import { createBearerTokenModule } from "../src/modules/bearer-token.js";
 
 let tracking: ReturnType<typeof createTracking>;
 let app: ReturnType<typeof createApp>;
@@ -119,3 +120,33 @@ describe("/verify tracking with missing body", () => {
     expect(record.paymentVerified).toBe(false);
   });
 });
+
+describe("bearer token module integration", () => {
+  it("rejects /verify without authorization header when module is configured", async () => {
+    const guardedApp = createApp({
+      facilitator: mockFacilitator,
+      tracking,
+      modules: [
+        createBearerTokenModule({
+          tokens: ["DREAMS"],
+        }),
+      ],
+    });
+
+    const response = await guardedApp.handle(
+      new Request("http://localhost/verify", {
+        method: "POST",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify({
+          paymentPayload,
+          paymentRequirements,
+        }),
+      })
+    );
+
+    expect(response.status).toBe(401);
+    expect(response.headers.get("www-authenticate")).toBe(
+      'Bearer realm="facilitator"'
+    );
+  });
+});
diff --git a/examples/facilitator-server/tests/bearer-token-module.test.ts b/examples/facilitator-server/tests/bearer-token-module.test.ts
new file mode 100644
index 00000000..f163b1e5
--- /dev/null
+++ b/examples/facilitator-server/tests/bearer-token-module.test.ts
@@ -0,0 +1,71 @@
+import { describe, expect, it } from "bun:test";
+import { Elysia } from "elysia";
+import { createBearerTokenModule } from "../src/modules/bearer-token.js";
+
+describe("createBearerTokenModule", () => {
+  it("allows a protected route with a valid bearer token", async () => {
+    const app = new Elysia()
+      .use(
+        createBearerTokenModule({
+          tokens: ["DREAMS"],
+          protectedPaths: ["/verify"],
+        })
+      )
+      .post("/verify", () => ({ ok: true }));
+
+    const response = await app.handle(
+      new Request("http://localhost/verify", {
+        method: "POST",
+        headers: {
+          Authorization: "Bearer DREAMS",
+        },
+      })
+    );
+
+    expect(response.status).toBe(200);
+  });
+
+  it("does not require auth for unprotected routes", async () => {
+    const app = new Elysia()
+      .use(
+        createBearerTokenModule({
+          tokens: ["DREAMS"],
+          protectedPaths: ["/verify"],
+        })
+      )
+      .get("/supported", () => ({ ok: true }));
+
+    const response = await app.handle(
+      new Request("http://localhost/supported", {
+        method: "GET",
+      })
+    );
+
+    expect(response.status).toBe(200);
+  });
+
+  it("rejects invalid bearer tokens for protected routes", async () => {
+    const app = new Elysia()
+      .use(
+        createBearerTokenModule({
+          tokens: ["DREAMS"],
+          protectedPaths: ["/settle"],
+        })
+      )
+      .post("/settle", () => ({ ok: true }));
+
+    const response = await app.handle(
+      new Request("http://localhost/settle", {
+        method: "POST",
+        headers: {
+          Authorization: "Bearer NOPE",
+        },
+      })
+    );
+
+    expect(response.status).toBe(401);
+    expect(response.headers.get("www-authenticate")).toBe(
+      'Bearer realm="facilitator"'
+    );
+  });
+});