diff --git a/python/x402/changelog.d/python-svm-utils-tests.doc.md b/python/x402/changelog.d/python-svm-utils-tests.doc.md
new file mode 100644
index 0000000000..858233d7c3
--- /dev/null
+++ b/python/x402/changelog.d/python-svm-utils-tests.doc.md
@@ -0,0 +1 @@
+Add 54 unit tests for `mechanisms/svm/utils.py` helpers without prior dedicated coverage. `test_index.py` already covers the public re-exports (`normalize_network`, `validate_svm_address`, `get_usdc_address`, `convert_to_token_amount`); the new `test_utils.py` covers the remaining helpers: `get_network_config` (CAIP-2 + V1 names + unsupported-network errors), `get_asset_info` (default-asset short-circuit on `None`/empty string, registered-address match, mismatched-address error, network-error precedence), `parse_amount` and `format_amount` (multi-decimal arithmetic, sub-unit truncation, zero, round-trip), `parse_money_to_decimal` (int/float pass-through, `$` prefix, USD/USDC and usd/usdc suffixes, surrounding whitespace, invalid string), `decode_transaction_from_payload` (valid base64 round-trip plus `invalid_exact_svm_payload_transaction` for invalid-base64, base64-garbage, and empty payload), and `derive_ata` (valid base58 output, determinism, default vs explicit Token Program, Token-2022 divergence, sensitivity to owner and mint).
diff --git a/python/x402/tests/unit/mechanisms/svm/test_utils.py b/python/x402/tests/unit/mechanisms/svm/test_utils.py
new file mode 100644
index 0000000000..5f318caf7e
--- /dev/null
+++ b/python/x402/tests/unit/mechanisms/svm/test_utils.py
@@ -0,0 +1,307 @@
+"""Tests for x402.mechanisms.svm.utils helpers.
+
+Covers helpers that are not exercised by test_index.py (which covers
+``normalize_network``, ``validate_svm_address``, ``get_usdc_address``, and
+``convert_to_token_amount`` via the public ``x402.mechanisms.svm`` re-exports)
+and that have no other dedicated unit test coverage in
+``tests/unit/mechanisms/svm/``.
+"""
+
+import base64
+
+import pytest
+from solders.keypair import Keypair
+from solders.pubkey import Pubkey
+
+from x402.mechanisms.svm.constants import (
+    NETWORK_CONFIGS,
+    SOLANA_DEVNET_CAIP2,
+    SOLANA_MAINNET_CAIP2,
+    SOLANA_TESTNET_CAIP2,
+    TOKEN_2022_PROGRAM_ADDRESS,
+    TOKEN_PROGRAM_ADDRESS,
+    USDC_DEVNET_ADDRESS,
+    USDC_MAINNET_ADDRESS,
+    USDC_TESTNET_ADDRESS,
+)
+from x402.mechanisms.svm.types import ExactSvmPayload
+from x402.mechanisms.svm.utils import (
+    decode_transaction_from_payload,
+    derive_ata,
+    format_amount,
+    get_asset_info,
+    get_network_config,
+    parse_amount,
+    parse_money_to_decimal,
+)
+
+
+class TestGetNetworkConfig:
+    """Tests for ``get_network_config``."""
+
+    def test_should_return_mainnet_config_for_caip2(self):
+        config = get_network_config(SOLANA_MAINNET_CAIP2)
+        assert config is NETWORK_CONFIGS[SOLANA_MAINNET_CAIP2]
+        assert config["default_asset"]["address"] == USDC_MAINNET_ADDRESS
+        assert config["default_asset"]["decimals"] == 6
+
+    def test_should_return_devnet_config_for_caip2(self):
+        config = get_network_config(SOLANA_DEVNET_CAIP2)
+        assert config is NETWORK_CONFIGS[SOLANA_DEVNET_CAIP2]
+        assert config["default_asset"]["address"] == USDC_DEVNET_ADDRESS
+
+    def test_should_return_testnet_config_for_caip2(self):
+        config = get_network_config(SOLANA_TESTNET_CAIP2)
+        assert config is NETWORK_CONFIGS[SOLANA_TESTNET_CAIP2]
+        assert config["default_asset"]["address"] == USDC_TESTNET_ADDRESS
+
+    def test_should_normalize_v1_mainnet_name(self):
+        assert get_network_config("solana") is NETWORK_CONFIGS[SOLANA_MAINNET_CAIP2]
+
+    def test_should_normalize_v1_devnet_name(self):
+        assert get_network_config("solana-devnet") is NETWORK_CONFIGS[SOLANA_DEVNET_CAIP2]
+
+    def test_should_normalize_v1_testnet_name(self):
+        assert get_network_config("solana-testnet") is NETWORK_CONFIGS[SOLANA_TESTNET_CAIP2]
+
+    def test_should_raise_for_unknown_caip2(self):
+        with pytest.raises(ValueError, match="Unsupported SVM network"):
+            get_network_config("solana:unknown")
+
+    def test_should_raise_for_unknown_v1_name(self):
+        with pytest.raises(ValueError, match="Unsupported SVM network"):
+            get_network_config("not-a-network")
+
+    def test_should_raise_for_non_solana_caip2(self):
+        with pytest.raises(ValueError, match="Unsupported SVM network"):
+            get_network_config("eip155:1")
+
+
+class TestGetAssetInfo:
+    """Tests for ``get_asset_info``."""
+
+    def test_should_return_default_asset_when_address_not_provided(self):
+        info = get_asset_info(SOLANA_MAINNET_CAIP2)
+        assert info["address"] == USDC_MAINNET_ADDRESS
+        assert info["name"] == "USD Coin"
+        assert info["decimals"] == 6
+
+    def test_should_return_default_asset_when_address_is_none(self):
+        info = get_asset_info(SOLANA_DEVNET_CAIP2, None)
+        assert info["address"] == USDC_DEVNET_ADDRESS
+
+    def test_should_return_default_asset_when_address_matches(self):
+        info = get_asset_info(SOLANA_MAINNET_CAIP2, USDC_MAINNET_ADDRESS)
+        assert info["address"] == USDC_MAINNET_ADDRESS
+
+    def test_should_accept_v1_network_name(self):
+        info = get_asset_info("solana", USDC_MAINNET_ADDRESS)
+        assert info["address"] == USDC_MAINNET_ADDRESS
+
+    def test_should_treat_empty_string_as_default_request(self):
+        # ``not asset_address`` is True for empty string, so empty string
+        # short-circuits to the default asset rather than mismatching.
+        info = get_asset_info(SOLANA_MAINNET_CAIP2, "")
+        assert info["address"] == USDC_MAINNET_ADDRESS
+
+    def test_should_raise_for_unregistered_asset(self):
+        with pytest.raises(ValueError, match="not a registered asset"):
+            get_asset_info(SOLANA_MAINNET_CAIP2, USDC_DEVNET_ADDRESS)
+
+    def test_should_raise_for_arbitrary_unknown_address(self):
+        with pytest.raises(ValueError, match="not a registered asset"):
+            get_asset_info(SOLANA_MAINNET_CAIP2, "So11111111111111111111111111111111111111112")
+
+    def test_should_raise_for_unsupported_network(self):
+        # Network resolution happens before asset matching, so an unsupported
+        # network should raise the network error regardless of asset_address.
+        with pytest.raises(ValueError, match="Unsupported SVM network"):
+            get_asset_info("solana:unknown", USDC_MAINNET_ADDRESS)
+
+
+class TestParseAmount:
+    """Tests for ``parse_amount``."""
+
+    def test_should_convert_one_unit_at_six_decimals(self):
+        assert parse_amount("1", 6) == 1_000_000
+
+    def test_should_convert_decimal_at_six_decimals(self):
+        assert parse_amount("0.10", 6) == 100_000
+
+    def test_should_convert_high_precision_decimal(self):
+        assert parse_amount("123.456789", 6) == 123_456_789
+
+    def test_should_truncate_subunit_precision(self):
+        # 0.1234567 at 6 decimals truncates the 7th digit.
+        assert parse_amount("0.1234567", 6) == 123_456
+
+    def test_should_handle_nine_decimals_for_sol(self):
+        assert parse_amount("1", 9) == 1_000_000_000
+
+    def test_should_handle_zero_decimals(self):
+        assert parse_amount("42", 0) == 42
+
+    def test_should_handle_zero_amount(self):
+        assert parse_amount("0", 6) == 0
+
+    def test_should_raise_for_invalid_string(self):
+        from decimal import InvalidOperation
+
+        with pytest.raises(InvalidOperation):
+            parse_amount("abc", 6)
+
+
+class TestFormatAmount:
+    """Tests for ``format_amount``."""
+
+    def test_should_format_one_usdc(self):
+        assert format_amount(1_000_000, 6) == "1"
+
+    def test_should_format_fractional_usdc(self):
+        assert format_amount(100_000, 6) == "0.1"
+
+    def test_should_format_smallest_unit(self):
+        assert format_amount(1, 6) == "0.000001"
+
+    def test_should_format_zero(self):
+        assert format_amount(0, 6) == "0"
+
+    def test_should_format_one_sol(self):
+        assert format_amount(1_000_000_000, 9) == "1"
+
+    def test_should_format_with_zero_decimals(self):
+        assert format_amount(42, 0) == "42"
+
+    def test_should_round_trip_through_parse_amount(self):
+        # Round-trip: format_amount(parse_amount(s, d), d) should equal a
+        # canonical decimal representation of s.
+        assert format_amount(parse_amount("123.456789", 6), 6) == "123.456789"
+
+
+class TestParseMoneyToDecimal:
+    """Tests for ``parse_money_to_decimal``."""
+
+    def test_should_pass_through_int(self):
+        assert parse_money_to_decimal(5) == 5.0
+
+    def test_should_pass_through_float(self):
+        assert parse_money_to_decimal(1.50) == 1.50
+
+    def test_should_parse_plain_decimal_string(self):
+        assert parse_money_to_decimal("1.50") == 1.50
+
+    def test_should_strip_dollar_prefix(self):
+        assert parse_money_to_decimal("$1.50") == 1.50
+
+    def test_should_strip_usd_suffix(self):
+        assert parse_money_to_decimal("1.50 USD") == 1.50
+
+    def test_should_strip_lowercase_usd_suffix(self):
+        assert parse_money_to_decimal("1.50 usd") == 1.50
+
+    def test_should_strip_usdc_suffix(self):
+        assert parse_money_to_decimal("1.50 USDC") == 1.50
+
+    def test_should_strip_lowercase_usdc_suffix(self):
+        assert parse_money_to_decimal("1.50 usdc") == 1.50
+
+    def test_should_strip_dollar_and_usdc_suffix(self):
+        assert parse_money_to_decimal("$1.50 USDC") == 1.50
+
+    def test_should_handle_surrounding_whitespace(self):
+        assert parse_money_to_decimal("   $1.50 USD   ") == 1.50
+
+    def test_should_raise_for_invalid_string(self):
+        with pytest.raises(ValueError):
+            parse_money_to_decimal("not-a-number")
+
+
+class TestDecodeTransactionFromPayload:
+    """Tests for ``decode_transaction_from_payload``."""
+
+    @staticmethod
+    def _build_versioned_transaction_bytes() -> bytes:
+        """Build a minimal valid VersionedTransaction and return its bytes."""
+        from solders.hash import Hash
+        from solders.message import MessageV0
+        from solders.transaction import VersionedTransaction
+
+        keypair = Keypair()
+        message = MessageV0.try_compile(
+            payer=keypair.pubkey(),
+            instructions=[],
+            address_lookup_table_accounts=[],
+            recent_blockhash=Hash.default(),
+        )
+        tx = VersionedTransaction(message, [keypair])
+        return bytes(tx)
+
+    def test_should_decode_valid_base64_transaction(self):
+        tx_bytes = self._build_versioned_transaction_bytes()
+        payload = ExactSvmPayload(transaction=base64.b64encode(tx_bytes).decode())
+
+        decoded = decode_transaction_from_payload(payload)
+
+        # Re-serializing should give identical bytes.
+        assert bytes(decoded) == tx_bytes
+
+    def test_should_raise_value_error_for_invalid_base64(self):
+        payload = ExactSvmPayload(transaction="!!!not-base64!!!")
+        with pytest.raises(ValueError, match="invalid_exact_svm_payload_transaction"):
+            decode_transaction_from_payload(payload)
+
+    def test_should_raise_value_error_for_base64_garbage(self):
+        # Valid base64 that does not decode to a VersionedTransaction.
+        payload = ExactSvmPayload(transaction=base64.b64encode(b"not-a-tx").decode())
+        with pytest.raises(ValueError, match="invalid_exact_svm_payload_transaction"):
+            decode_transaction_from_payload(payload)
+
+    def test_should_raise_value_error_for_empty_transaction(self):
+        payload = ExactSvmPayload(transaction="")
+        with pytest.raises(ValueError, match="invalid_exact_svm_payload_transaction"):
+            decode_transaction_from_payload(payload)
+
+
+class TestDeriveAta:
+    """Tests for ``derive_ata`` (Associated Token Account PDA derivation)."""
+
+    OWNER = "9WzDXwBbmkg8ZTbNMqUxvQRAyrZzDsGYdLVL9zYtAWWM"
+    MINT = USDC_MAINNET_ADDRESS
+
+    def test_should_produce_a_valid_solana_address(self):
+        ata = derive_ata(self.OWNER, self.MINT)
+        # Round-trip through Pubkey to confirm valid base58 output.
+        assert str(Pubkey.from_string(ata)) == ata
+
+    def test_should_be_deterministic(self):
+        first = derive_ata(self.OWNER, self.MINT)
+        second = derive_ata(self.OWNER, self.MINT)
+        assert first == second
+
+    def test_should_default_to_token_program_when_token_program_omitted(self):
+        default = derive_ata(self.OWNER, self.MINT)
+        explicit = derive_ata(self.OWNER, self.MINT, TOKEN_PROGRAM_ADDRESS)
+        assert default == explicit
+
+    def test_should_differ_for_token_2022_program(self):
+        token_ata = derive_ata(self.OWNER, self.MINT, TOKEN_PROGRAM_ADDRESS)
+        token_2022_ata = derive_ata(self.OWNER, self.MINT, TOKEN_2022_PROGRAM_ADDRESS)
+        assert token_ata != token_2022_ata
+
+    def test_should_differ_for_different_owners(self):
+        other_owner = str(Keypair().pubkey())
+        ata_a = derive_ata(self.OWNER, self.MINT)
+        ata_b = derive_ata(other_owner, self.MINT)
+        assert ata_a != ata_b
+
+    def test_should_differ_for_different_mints(self):
+        ata_usdc = derive_ata(self.OWNER, USDC_MAINNET_ADDRESS)
+        ata_devnet_usdc = derive_ata(self.OWNER, USDC_DEVNET_ADDRESS)
+        assert ata_usdc != ata_devnet_usdc
+
+    def test_should_explicitly_accept_none_token_program(self):
+        # Passing token_program=None is the documented way to opt into the
+        # default Token Program; it should match the omitted-arg behavior.
+        explicit_none = derive_ata(self.OWNER, self.MINT, None)
+        default = derive_ata(self.OWNER, self.MINT)
+        assert explicit_none == default