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Fiat vs Custom Units

AI platforms bill in many ways: some charge directly in fiat currencies for transparency, others rely on credits for consumer-friendly experiences, and many introduce custom assets like tokens, GPU hours, or video minutes to match usage more closely to product value.

Credyt supports all these cases with a simple model: every customer has one wallet, and that wallet can hold multiple accounts, each dedicated to a specific asset. Accounts are created automatically on first top-up and can represent fiat, credits, or any custom unit you define when configuring products and pricing.

Fiat Accounts​

API Reference

A fiat account tracks balances in real currencies like USD or EUR. When a customer holds an account in fiat, usage is deducted in fiat terms (e.g. $0.006 per second). Fiat accounts are straightforward to reconcile and enterprise-friendly.

Example:

curl -L 'https://api.credyt.ai/customers/:customerId/wallet/:accountId' \
-H 'Accept: application/json' \
-H 'X-CREDYT-API-KEY: <CREDYT-API-KEY>'

Response

{
"pending_in": 500,
"pending_out": 100,
"id": "default:usd",
"name": "default",
"asset": "USD",
"available": 14.566678
}

Credyt returns information about default:usd account in the customer’s wallet such as pending transactions and available balance.

Credit Accounts (Custom Units)​

API Reference

A credits account holds balances in abstract units like “tokens” or “video minutes.” You can create and manage any custom asset you wish to offer. Each asset can have multiple exchange rates for different fiat currencies. Credyt uses the exchange rate to convert fiat to custom assets when topping up the customer balance. Read more about Asset management.

Example:

curl -L 'https://api.credyt.ai/customers/:customerId/wallet/:accountId' \
-H 'Accept: application/json' \
-H 'X-CREDYT-API-KEY: <CREDYT-API-KEY>'

Response

{
  "pending_in": 50000,
  "pending_out": 10000,
  "id": "default:tok",
  "name": "default",
  "asset": "TOK",
  "available": 993450234
}

Mixed Accounts (Fiat + Custom Units)​

API Reference

A single wallet can contain both fiat and credit accounts. Top-ups are applied to the correct account depending on the asset type. Usage events deduct from the account linked to the billed product asset.

Example Wallet:

curl -L 'https://api.credyt.ai/customers/:customerId/wallet' \
-H 'Accept: application/json' \
-H 'X-CREDYT-API-KEY: <CREDYT-API-KEY>'

Response

{
  "accounts": [
    {
      "id": "default:usd",
      "name": "default",
      "asset": "USD",
      "available": 14.566678
    },
    {
      "id": "default:tok",
      "name": "default",
      "asset": "TOK",
      "available": 993450234
    }
  ]
}

Here, the customer has both a fiat balance ($14.56) and a balance of 993450234 tokens.