Credyt

Credyt is real-time monetization and billing infrastructure built specifically for AI applications. It functions as a platform that allows developers and businesses to observe live API spending, enforce budget controls, and bill customers. The platform aims to solve the financial challenges of AI usage costs, such as tracking per-customer profitability and handling varied pricing models.

• Real-time cost streaming for every API call, model, and customer to monitor spend as it happens
• Hard budget ceilings and balance checks before usage is authorized to block insufficient balance actions
• Support for usage-based, subscription, hybrid, credit wallets, tokens, and entitlements pricing models
• Customer-facing billing portal showing live balance, usage history, top-up options, and auto-recharge
• Event-level cost tracking and per-customer cost attribution for margin visibility
• Multi-asset wallets supporting USD, tokens, GPU hours, or custom units
• Drop-in MCP server integration to add billing via prompt and connect AI tools supporting the MCP protocol

Pros

• Provides immediate financial visibility by streaming costs per API call and customer in real time rather than waiting for month-end invoices
• Stops runaway spending by checking balances and enforcing hard budget caps before usage is authorized
• Offers flexible pricing configurations that let product teams ship pricing updates without writing backend code
• Calculates event-level cost tracking to help businesses identify margins and profitability per customer or workload

Cons

• Requires integration with a payment service provider like Stripe, as it features bring-your-own-PSP functionality
• Production pricing charges per active wallet and per million events after the free tier limit, which scales with customer activity
• The free tier includes the first 10 active wallets every month and the first 1M events per month free, requiring careful monitoring as usage grows

Credyt fits vibe coders, solo founders, seed to Series A AI companies, and scaling organizations that need to handle AI usage costs and pricing changes without spending weeks on custom billing infrastructure. It also provides finance and operations teams with a single source of truth for usage and margins. It is a poor fit for traditional non-API applications that do not face per-inference cost tracking or consumption-based billing complexities.

Credyt uses a freemium model alongside paid plans. The free tier costs $0 forever to build and test, offering full API access in test mode and the first 10 active wallets every month plus the first 1M events per month for free. The production tier costs $1 per active wallet per month, where active is defined as at least one transaction in the billing month, and wallets with no activity cost $0. Events beyond the first 1 million per month cost $2 per million, and volume discounts are available.

Unlike traditional billing platforms built for standard software-as-a-service flat rates, Credyt is designed explicitly for the inference-driven costs of AI applications. While standard billing tools track subscriptions or periodic invoices, Credyt performs real-time authorization checks before an AI event occurs, blocking usage instantly if a balance runs out to prevent uncollected costs. It also differentiates itself by linking live AI model spending directly to multi-asset wallets and customer profitability metrics without taking a percentage cut of revenue.

MCP server, Claude Code, Cursor, Codex, Windsurf, ChatGPT, Lovable, Bolt, v0, Replit, Stripe, Webhooks, OpenAPI spec, and SDKs.