QuotaStack vs Credyt

Credyt is real-time monetization infrastructure for AI products. Their homepage calls it “real-time monetization for AI”: observe spend, enforce limits, and bill. In their docs the wallet is the billing system — customers prepay, and usage is authorized and debited as it happens. They ship a hosted customer billing portal, per-customer cost and margin from usage events plus vendor costs, and an MCP server with agent skills so a coding assistant can set up billing. Payments stay on Stripe; Credyt says PSP fees pass through with no markup. As of August 2026 they publish comparisons to Orb, Flexprice, Stigg, Metronome, and Lago. They do not have a QuotaStack page.

Credyt’s own price is public and self-serve. Test mode is $0 forever — full API, no credit card, no time limit. In production they charge $1 per Monthly Active Wallet after the first 10 free (active means at least one transaction that month; idle wallets are $0). The first 1 million events per month are free, then $2 per million. They do not take a percentage of revenue. Sign-up is at app.credyt.ai. A “Talk to us” contact path exists; it is not required to see a price.

On primitives, Credyt is wallet-native and credit-aware. Every customer gets one wallet that can hold several asset accounts — USD, tokens, GPU hours, or a custom unit. Credit grants carry purpose, expiry, and a consumption order. What Credyt calls entitlements are bundled or promotional credit allowances on a subscription (for example $20/month includes 1,000 credits), not a separate can() check on the request path. Metering is real-time: you send usage events, they are priced, and the wallet is debited atomically. The documented control loop is check the balance, authorize the action, then send usage. Wallet accounts expose pending_in (unconfirmed top-ups) and pending_out; the public docs do not describe a hold / commit / release lifecycle with a TTL. Tasks are a read-only rollup of events that share a subject — useful for margin, not a reservation.

The same buyer can pick either product: indie or AI, self-serve, keep Stripe, credits and wallets. Credyt is the better fit when you want a drop-in billing portal and to block spend before inference, plus cost and margin per customer. QuotaStack is the better fit when the job’s final cost is unknown and may fail mid-run — hold, commit, or release with a TTL — or when you want to own checkout and not pay per wallet. The prices are different shapes, not a claim that one is always cheaper. Illustration, not a Credyt quote: 50 wallets and 200k events in a month is about $2 on QuotaStack (first ~100k events free, then $2 / 100k) and $40 on Credyt (40 billable wallets × $1; events stay under the 1M free band). 1,000 wallets and 2M events is about $38 on QuotaStack (1.9M billable events × $2 / 100k) and $992 on Credyt (990 wallets × $1 plus 1M extra events × $2 / million).