Credyt

Product Introduction

1. Credyt is a wallet-native monetization engine specifically designed for AI platforms, enabling real-time usage-based billing through pre-funded credit accounts. It allows businesses to define dynamic pricing models in any currency and charge customers precisely as AI workloads are consumed. The system automates balance management, instant top-ups, and detailed usage reporting to replicate enterprise-grade billing experiences.

2. The core value lies in enabling AI companies to deploy usage-based pricing without developing custom billing infrastructure, aligning revenue capture with actual compute costs. It eliminates cash flow gaps by ensuring customers prepay for services while providing transparent spending visibility comparable to OpenAI's billing standards. This approach reduces implementation time for credit-based monetization from months to days while maintaining real-time margin tracking.

Main Features

1. Real-time billing engine processes usage events with millisecond precision, deducting funds directly from pre-funded wallets as AI operations occur. Supports automatic balance replenishment through configurable thresholds that trigger instant top-ups via multiple payment methods. Integrates granular cost allocation per API call, AI model version, and customer-specific pricing tiers through API/webhook integrations.

2. Programmable multi-currency wallets manage balances, credits, and reserves across fiat currencies, stablecoins, and custom loyalty points. Implements complex financial logic including cascading balance deductions, overdraft protections, and multi-tiered reserve allocations through API-driven adjustments. Maintains real-time audit trails showing available balances, pending transactions, and historical usage patterns for compliance.

3. White-label customer portal provides end-users with real-time balance tracking, cost breakdowns per AI model/endpoint, and self-service top-up functionality. Displays predictive runway estimates based on spending patterns and enables customizable alerts for low balances. Embeds directly into client applications via prebuilt UI components requiring zero frontend development effort.

Problems Solved

1. Eliminates the mismatch between traditional subscription billing systems and AI's usage-based economics, which caused revenue leakage and cash flow delays. Legacy tools lacking prepaid credit support forced engineering teams to build custom wallet logic and reconciliation systems. Credyt's architecture prevents these issues through native real-time balance tracking and automated financial operations.

2. Serves AI startups needing to implement usage-based pricing under investor pressure to demonstrate monetization from launch. Particularly critical for companies offering generative AI APIs, ML model endpoints, and compute-intensive processing services. Also benefits enterprises transitioning from flat-rate pricing to outcome-based models for AI-powered features.

3. Addresses scenarios requiring immediate payment for variable-cost AI operations like image generation or LLM inference. Enables prepaid credit systems for developer platforms offering multiple AI models with differing cost structures. Supports hybrid marketplaces where customers fund accounts in multiple currencies while providers track margins per transaction.

Unique Advantages

1. Wallet-native architecture fundamentally differs from retrofitted billing systems by treating balances as primary entities rather than afterthoughts. Uses event-sourced accounting to maintain atomic transaction consistency across high-volume usage events. Enables financial features like partial payment reversals and multi-currency reserve pools that legacy systems cannot support.

2. Real-time profitability engine correlates API call revenue with infrastructure costs across all AI workloads and customer segments. Provides per-model margin analysis and predictive cash flow forecasts based on historical usage data. Allows dynamic pricing adjustments through dashboard controls without requiring code deployments or service interruptions.

3. Outperforms competitors through native support for hybrid pricing models combining credits, fiat, and custom currencies within single accounts. Delivers subsecond latency for balance updates during peak traffic, critical for high-volume AI applications. Offers transparent passthrough pricing with no percentage-based fees on processed payments, reducing total cost compared to traditional PSP-integrated solutions.

Frequently Asked Questions (FAQ)

1. How does Credyt differ from Stripe or legacy billing systems? Credyt specializes in real-time balance management for AI workloads, whereas traditional systems batch process transactions. It natively supports prepaid credits, instant usage deductions, and complex hybrid pricing that require extensive customization elsewhere. The platform automatically synchronizes payment balances with AI infrastructure costs at the point of consumption.

2. Can Credyt handle auto-replenishment of customer balances? Yes, Credyt enables multiple auto-recharge rules including fixed-amount top-ups when balances dip below set thresholds and dynamic replenishment based on usage forecasts. Businesses can configure escalation paths that switch payment methods after failed transactions and set maximum daily/weekly top-up limits.

3. What technical integration is required? Implementation typically takes 2-3 days using prebuilt SDKs for Python, Node.js, and Go, with REST APIs for balance queries and event reporting. No database schema changes are needed - Credyt syncs with existing user accounts through unique customer IDs. Webhooks deliver real-time notifications for balance changes and payment events to existing systems.