---
title: "QuotaStack vs Credyt"
description: "An honest comparison of QuotaStack and Credyt for usage-based billing — wallet-native authorize-and-debit vs a credit-native ledger with reservations, public pricing, and who each is best for."
order: 5
competitor: "Credyt"
competitorUrl: "https://credyt.ai"
---

# QuotaStack vs Credyt

Updated August 21, 2026

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).

## Credyt vs QuotaStack

| Feature | QuotaStack | Credyt |
|---|---|---|
| Pricing model | Per metered event | $1 per Monthly Active Wallet after the first 10 free, plus $2 per million events after the first 1M events/month free; no revenue %; Stripe/PSP fees pass through with no markup (as of August 2026) ([source](https://credyt.ai/pricing)) |
| Entry / free tier | $2 usage credit/mo (~100k events), then $2 / 100k. No card to start | $0 forever to build and test — full API in test mode, no credit card, no time limit; first 10 active wallets every month free forever (as of August 2026) ([source](https://credyt.ai/pricing)) |
| Pricing transparency | Public, self-serve | Public rate card and self-serve signup; volume discounts are mentioned, specific volume rates are not listed (as of August 2026) ([source](https://credyt.ai/pricing)) |
| Credit-native primitives | Yes — credits, entitlements, reservations, wallets | Wallet is the billing system: multi-asset wallets, credit grants with purpose/expiry/consumption order, subscription entitlements as bundled credit allowances, real-time authorize-then-debit. Public docs do not describe a hold / commit / release + TTL reservation (as of August 2026) ([source](https://docs.credyt.ai/faqs)) |
| Metering | Yes, real-time | Yes — real-time usage events (unit, volume, or both), dimensional pricing, idempotent event ids; priced and debited when processed ([source](https://docs.credyt.ai/features/usage)) |
| Self-serve vs sales-led | Self-serve | Self-serve — sign up at app.credyt.ai; test mode needs no card. Optional "Talk to us" contact path; not required to see a price (as of August 2026) ([source](https://credyt.ai/pricing)) |
| Open source | No (fully managed) | No product source repository advertised on credyt.ai or docs.credyt.ai; TypeScript and Python SDKs are public on GitHub (as of August 2026) ([source](https://github.com/credyt/sdk-ts)) |
| Agent-native docs | Yes — .md twin on every page + llms.txt | Yes — docs.credyt.ai publishes llms.txt and .md URLs on docs pages; MCP server and AI skills for editor and vibe-coder setup ([source](https://docs.credyt.ai/llms.txt)) |
| Best for | Indie devs & startups billing usage/credits, free to start | AI products that want wallet-native prepaid billing, a hosted customer portal, and real-time authorize-and-debit so spend is blocked before inference |

## Choose Credyt if

- You want a hosted, branded customer billing portal — live balance, usage history, top-ups, auto-recharge — without building that UX yourself
- You want usage authorized before it runs and the wallet debited atomically, so a request is blocked when the balance cannot cover a known cost, plus event-level cost and margin per customer
- You want MCP plus agent skills so a coding assistant or vibe-coder tool can create products, customers, and usage events in one prompt

## Choose QuotaStack if

- The job's final cost is unknown or it can fail mid-run — you need hold / commit / release with a TTL, not authorize-and-debit of a known amount
- You want to own checkout and customer UX, and a $0-per-customer event price ($2 / 100k after ~100k free) rather than $1 per active wallet
- You want request-path can() entitlements and an append-only credit-block ledger (priority, expiry, burn-down) behind one API, without a hosted portal

## Sources

- [Credyt homepage (positioning)](https://credyt.ai)
- [Credyt pricing page](https://credyt.ai/pricing)
- [Credyt docs (introduction)](https://docs.credyt.ai)
- [Credyt FAQs (wallet-native architecture)](https://docs.credyt.ai/faqs)
- [Credyt concepts & terminology](https://docs.credyt.ai/concepts)
- [Credyt wallets and top-ups](https://docs.credyt.ai/features/wallets-and-topups)
- [Credyt credit grants](https://docs.credyt.ai/features/credit-grants)
- [Credyt hybrid billing with entitlements](https://docs.credyt.ai/features/product-catalog/entitlements)
- [Credyt usage events](https://docs.credyt.ai/features/usage)
- [Credyt billing portal](https://docs.credyt.ai/features/billing-portal)
- [Credyt profitability](https://docs.credyt.ai/features/profitability)
- [Credyt tasks (subject rollup, not a reservation)](https://docs.credyt.ai/features/tasks)
- [Credyt pricing guide (prepaid only; no arrears invoices)](https://docs.credyt.ai/pricing-guide)
- [Credyt MCP server and AI skills](https://docs.credyt.ai/tools/mcp-server)
- [Credyt llms.txt](https://docs.credyt.ai/llms.txt)
- [Credyt vs Orb (their comparison set; no QuotaStack page)](https://credyt.ai/blog/credyt-vs-orb)
- [Credyt TypeScript SDK (public)](https://github.com/credyt/sdk-ts)