AI products can generate variable infrastructure costs tied to tokens, API calls, GPU time, and other forms of product usage. Credyt is a real-time billing platform built around prepaid wallets, usage authorization, and multi-asset balances. For teams evaluating usage-based billing software, its main architectural distinction is that usage charges are deducted from funded balances in real time rather than accumulated for post-period invoicing.
Credyt expanded its developer-focused approach in June 2026 with an AI Billing Toolkit that uses MCP to configure billing from supported AI coding tools. The platform also supports subscriptions, hybrid pricing, custom assets, dimensional pricing, and customer-facing billing experiences.
Key takeaways
- Credyt uses a real-time prepaid wallet model where usage events deduct from funded customer balances as they occur
- Credyt’s published pricing includes the first 10 active wallets each month at no charge, then $1 per active wallet, with the first 1 million monthly events included and additional events priced by volume
- Credyt supports fiat and custom assets, dimensional pricing, recurring subscriptions, prepaid credits, and hybrid subscription-plus-usage models
- Cost governance is increasingly relevant to AI products, with more than 40% of agentic AI projects projected to be canceled by the end of 2027 because of factors including escalating costs, unclear business value, and inadequate risk controls
- Orb supports prepaid credits alongside raw usage events, historical pricing simulations, invoicing, enterprise contracts, and connected finance workflows for companies managing both self-serve and enterprise monetization
What is Credyt and how does it work?
Credyt is a real-time billing platform designed primarily for AI products and developer tools. Its usage-based billing architecture centers on customer wallets that can hold fiat currency or custom assets such as credits, tokens, GPU hours, minutes, or other product-specific units.
Customers fund their wallets through manual top-ups, automatic recharges, bundled credit entitlements, or other balance adjustments. When the product sends a usage event, Credyt applies the relevant pricing logic and deducts the charge from the appropriate balance in real time.
This differs from billing systems where product usage accumulates throughout a billing period and becomes an invoice afterward. Credyt’s usage-based pricing operates through prepaid, real-time balance deductions.
Target market and positioning
Credyt focuses primarily on AI products and developer tools where infrastructure costs can closely track product consumption.
Relevant use cases include:
- LLM and inference APIs charging for tokens or requests
- AI agents generating variable product usage
- GPU-intensive applications charging for compute
- Developer tools using consumption-based pricing
- AI applications using credits or custom product units
- Self-service products where users fund balances before consumption
The platform’s MCP integration supports coding environments including Claude Code, Cursor, Codex, Windsurf, Lovable, Bolt, Replit, and V0. Developers can configure billing workflows from supported AI development tools.
Core features and capabilities
Real-time wallet billing
Credyt’s usage-based billing model applies pricing as usage events occur. Every customer has a wallet, and usage charges draw from the relevant wallet account based on the product configuration.
Wallet balances can be replenished through manual or automatic top-ups. When a funded balance reaches its configured limit, additional usage can stop or an automatic recharge can replenish the wallet.
This model connects customer spending with product consumption in real time rather than carrying the entire usage balance until the end of a billing period.
Multi-asset wallet support
Credyt wallets can hold multiple accounts denominated in fiat or custom assets.
Examples include:
- USD or other currencies
- Tokens
- GPU hours
- Generation credits
- Video minutes
- Custom product units
Different assets can coexist within the same customer wallet and maintain independent balances.
This structure lets product teams represent usage in units that align with the product experience rather than presenting every interaction directly as a currency amount.
Dimensional pricing
Credyt supports dimensional pricing based on attributes included with usage events.
A product can apply different rates based on dimensions such as:
- Model type
- Speed
- Quality level
- Workload type
- Other event attributes
Teams can define pricing based on relevant event dimensions and apply different rates across configured values.
Customer billing portal
Credyt provides a hosted customer billing portal with visibility into:
- Current balances
- Usage history
- Top-up history
- Manual top-ups
- Automatic recharge settings
- Billing settings
The portal supports both fiat and custom assets and provides a customer-facing interface for managing usage balances and payments.
Testing pricing configurations
Credyt supports simulated usage events before they affect live wallet balances. These events use the configured pricing logic without modifying customer funds.
Teams can use simulated events to test new products, validate pricing configurations, and confirm usage calculations before applying them to live customers.
Pricing structure
Credyt uses a published active-wallet pricing model.
The pricing structure includes:
- Test mode: $0 with full API access
- First 10 active wallets: Free each month
- Additional active wallets: $1 per active wallet per month
- First 1 million events: Included each month
- Additional event volume: $2 per million events
- Volume discounts: Available at higher scale
An active wallet is a wallet with at least one transaction during the billing month.
Wallet activity and event volume are priced separately after the included monthly allowances.
Payment and developer integrations
Credyt’s integration ecosystem focuses on developer tooling and payment workflows.
It includes:
- Stripe
- Bring-your-own payment provider workflows
- MCP
- Webhooks
- OpenAPI
- TypeScript and Python SDKs
- AI coding tools
These integrations support API-driven implementation across product, payment, and developer workflows.
Where Credyt fits
Prepaid AI usage
Credyt’s real-time wallet architecture aligns with AI products where customers pre-fund usage.
An application can give a customer a token, credit, or currency balance and deduct from that balance as model calls, generations, or other billable actions occur.
This gives the product and customer current balance visibility while connecting service access with funded usage.
Subscription and hybrid models
Credyt also supports recurring fixed-fee subscriptions and hybrid structures where a subscription includes a recurring credit allowance. Customers can consume the bundled entitlement and then pay for additional usage after the included allowance is exhausted.
Supported structures can include:
- Monthly subscription plus credits
- Subscription plus usage overages
- Recurring credit allowances
- Promotional credits
- Purchased prepaid balances
Usage-based charges operate through Credyt’s real-time wallet model, while subscriptions provide the recurring component of the commercial structure.
Published pricing
Credyt publishes its core pricing structure, giving teams a direct way to estimate platform costs associated with wallet count and event volume.
Overall billing costs can also depend on customer activity, event volume, payment processing, and the other systems used alongside Credyt.
Billing model considerations
Usage billing is prepaid
Credyt’s usage-based pricing operates through real-time prepaid balances. Customers fund usage before billable resources are consumed.
This model differs from postpaid commercial arrangements involving:
- Net-30 or Net-60 payment terms
- Usage billed after consumption
- Enterprise procurement workflows
- Consolidated usage invoices
- Contract-driven billing schedules
Businesses that support both prepaid and postpaid customers can use separate workflows for each commercial model, with Credyt handling prepaid real-time usage.
Product and payment integrations
Credyt’s public integration set includes MCP, AI coding tools, Stripe, bring-your-own payment processing, webhooks, OpenAPI, and SDKs.
Organizations with broader revenue operations may also require connections across CRM, ERP, accounts receivable, revenue reporting, and other finance workflows. These systems form another layer of the revenue infrastructure around billing.
Simulated usage and historical pricing analysis
Credyt supports simulated usage events for validating product and pricing configurations without affecting live balances.
Historical pricing analysis serves a different purpose. Orb Simulations applies proposed pricing models to real historical usage so teams can compare scenarios and evaluate projected customer and revenue impact before rollout.
Configuration simulation can help validate how a pricing setup behaves, while historical simulation can help teams understand how a proposed model could affect an existing customer base.
G2 review activity
Credyt’s current G2 profile lists one review with a 5/5 rating. The profile does not yet have enough reviews to provide broader buying insight.
The available review discusses MCP-based billing configuration and implementation through AI coding tools. With a single review, the rating represents individual customer feedback rather than a broader satisfaction benchmark.
How Credyt compares to invoice-based billing
Architectural differences
The main distinction is when usage becomes a financial obligation.
With Credyt’s usage-based model, customers fund a balance before consuming billable resources. Usage events draw down that balance in real time.
With postpaid usage billing, usage accumulates first and becomes part of an invoice after the relevant billing period or billing trigger.
These approaches support different commercial models.
Prepaid wallet billing can align with:
- Self-service AI products
- Developer APIs
- Credit-based applications
- Products using real-time balance controls
- Customers accustomed to topping up balances
Postpaid usage billing can align with:
- Enterprise contracts
- Net payment terms
- Committed-spend agreements
- Contract amendments
- Consolidated invoicing
- Usage connected to downstream finance workflows
Credyt can also combine recurring subscriptions with prepaid usage entitlements, so the distinction centers on how usage-based charges are settled rather than whether subscriptions or hybrid models are available.
Use case alignment
Credyt’s architecture centers on real-time monetization and prepaid usage controls, making it relevant to AI and developer products where funded balances form part of the commercial model.
Companies serving a mix of self-service and enterprise customers can have additional requirements around postpaid invoicing, custom contracts, historical usage corrections, accounts receivable, ERP synchronization, revenue reporting, and ongoing price evolution.
Billing architecture therefore depends on the commercial model, the way product usage is measured, and how billing information moves through product and finance systems.
Why Orb supports modern AI billing and revenue design
For AI companies managing usage-based or hybrid pricing alongside enterprise contracts, invoicing, pricing iteration, and finance workflows, Orb provides a revenue design platform that connects product usage with the broader path from pricing to revenue.
Raw usage events and billing corrections
Orb’s standard metering architecture retains raw usage events for query-based billing. Billable metrics can operate over granular usage history, supporting historical analysis, backfills, and eligible backdated billing changes.
Orb’s billing engine can recompute affected billing state as usage or commercial terms evolve. Auditable adjustment workflows preserve financial history when finalized invoices require corrections.
For exceptionally high-volume workloads, Hosted Rollups provide a separate path that aggregates configured streams during ingestion.
Pricing simulations and price evolution
Orb Simulations lets teams apply proposed pricing models to historical usage before changing production pricing.
Teams can use simulations to:
- Compare pricing scenarios
- Measure projected revenue impact
- Identify customer-level changes
- Evaluate different billable metrics
- Prepare pricing rollouts
This supports ongoing price evolution as AI products, costs, packaging, and customer segments change.
Enterprise finance workflows
Orb connects metering and pricing with invoicing, accounts receivable, reporting, and downstream finance systems.
Its NetSuite integration connects billing and revenue information with standard finance workflows, while Salesforce integration can provision billing from commercial workflows and surface usage information in CRM records.
Orb also supports data warehouse synchronization and integrations across accounting, payment, and tax systems.
This gives product, engineering, sales, and finance teams shared revenue infrastructure spanning usage, billing, and downstream financial operations.
Production scale and customer results
Orb’s Enterprise infrastructure is regularly stress-tested at more than 250,000 events per second, while Hosted Rollups support aggregation of billions of events per day.
Customer implementations demonstrate the platform across different stages of scale. Supabase processes more than 1.5 million invoices per month through Orb. Vercel reduced the time required to build and launch billing for new products by 80%, while Stytch reduced time spent on billing operations by 75%.
These results are specific to those customer implementations rather than guaranteed outcomes for every Orb deployment.
Prepaid credits with broader billing flexibility
Orb also supports prepaid credits for companies that want credit-based monetization alongside other billing models.
Capabilities include:
- Platform-wide credit balances
- Item-scoped credit pools
- Credit expiration rules
- Automated drawdowns
- Usage-based pricing
- Subscription and hybrid pricing
- Enterprise invoicing and finance workflows
This lets AI companies use prepaid credits where they fit the product experience while maintaining a broader billing foundation for enterprise customers and evolving commercial models.
Credyt focuses its usage architecture on real-time prepaid wallet billing for AI and developer products. Orb provides a broader revenue design foundation around raw usage events, flexible billable metrics, prepaid credits, pricing simulations, invoicing, price evolution, and connected finance workflows. This gives product, engineering, and finance teams a shared platform for managing usage-based monetization as products and customer relationships evolve.
Frequently asked questions
What happens when a Credyt customer runs out of prepaid balance?
Credyt’s usage-based model deducts charges from the customer’s wallet in real time. When the available balance is exhausted, additional usage can stop or an automatic top-up can replenish the wallet when that workflow is configured.
Does Credyt support invoice-based usage billing?
Credyt’s usage-based billing operates through prepaid wallet deductions. Businesses using postpaid invoice terms can maintain a separate invoicing workflow for those customers while using Credyt for prepaid usage.
Does Credyt support dimensional and hybrid pricing?
Yes. Credyt supports dimensional pricing using attributes included with usage events. It also supports recurring fixed-fee subscriptions and hybrid models where subscriptions include credit entitlements with additional usage beyond the included allowance.
How does Orb support AI billing?
Orb supports AI billing through raw usage events, flexible billable metrics, dimensional price groups, prepaid credits, usage-based and hybrid pricing, historical pricing simulations, invoicing, and connected finance workflows. Its architecture gives teams a common foundation for managing tokens, API calls, compute usage, credits, subscriptions, and enterprise contract structures as monetization evolves.
Why consider Orb for usage-based AI billing?
Orb combines usage metering with the broader revenue workflows AI companies can need as they scale. Teams can retain raw usage events, model new pricing against historical usage, manage prepaid credits, automate invoicing, connect billing with Salesforce and NetSuite, and support enterprise finance workflows through shared revenue infrastructure. For companies serving both self-service and enterprise customers, this provides flexibility to evolve pricing while keeping metering, billing execution, and finance operations connected.