Credit sources

purchasednever expires

Credit pack or invoice payment.

bonusexpires

Promotion, coupon or goodwill grant.

subscriptionexpires

Monthly or yearly plan allowance.

marketplace-rewardnever expires

Creator reward or referral payout in credits.

developerexpires

Grant for extension and connector development.

trialexpires

Trial allowance for a new workspace.

enterprisenever expires

Negotiated allocation under a custom contract.

Spend priority

Operations

Ledger entry

{
  "id": "led_01J9M",
  "workspace_id": "wsp_2f18",
  "operation": "credit-out",
  "source": "subscription",
  "amount": -42,
  "reason": "SEO audit extension run",
  "actor_id": "usr_9c31",
  "reference_type": "usage",
  "reference_id": "use_7ab2",
  "at": "2026-08-05T02:00:00.000Z",
  "previous_hash": "b71f…02ad",
  "hash": "e4c8…7719"
}

• — Entries are append-only, hash-chained and workspace-scoped.
• — Every entry carries an actor, a reason and a source reference.
• — A reservation is released or committed; it never lingers past its deadline.
• — Expired credits leave an expiration entry, not a silent balance change.

Revenue streams

Commission tiers

standard · 30%

Default rate for every marketplace listing.

verified · 20%

Creator passed verification and quality review.

partner · 15%

Partner agreement with sustained revenue.

Rules

• — Every sale writes gross, platform fee and creator net in the same entry.
• — Creator earnings accrue immediately and become eligible after the refund window.
• — A refund reverses the creator earning and the platform fee together.
• — Payout processing is a future provider adapter; the ledger is ready for it today.

Coupons

• — A coupon is validated server-side at checkout, never trusted from the client.
• — Redemptions are counted atomically; an exhausted coupon fails closed.
• — Credit-bonus coupons grant bonus credits through the ledger, not the wallet.
• — Workspace targeting restricts a coupon to named workspaces only.

Refund policy

failed-execution · automatic

Immediate — reserved credits are released on failure.

duplicate-charge · automatic

Detected during reconciliation, within 24 hours.

customer-request · manual

14 days from payment, approved by a billing admin.

marketplace-dispute · manual

30 days; reverses creator earning and platform fee.

goodwill · manual

Any time, super admin only, always audited.

provider-error · automatic

On webhook reconciliation mismatch.

Packages

1,000 credits

$10

5,000 credits

$45

20,000 credits

$160

SEO extension pack

$49

Knowledge pack

$29

Academy bundle

$99

Agency bundle

$399

Enterprise bundle

custom

Extensions

• — Estimated and actual credit cost
• — Billing category
• — Premium features
• — Marketplace price

Connectors

• — Sync and refresh cost
• — Premium sync option
• — Quota limits

AI providers

• — Token to credit estimation
• — Workspace budget enforcement
• — Cost prediction (future)

Permissions

wallet.read

View balance, reservations, limits and transaction history.

wallet.write

Adjust balances and limits; restricted to platform billing roles.

credits.consume

Reserve and spend credits by running paid operations.

billing.manage

Manage invoices, tax settings, coupons and refunds.

payments.manage

Configure providers, verify manual payments, retry failures.

subscriptions.manage

Change plan, seats, pause, resume or cancel.

marketplace.payout

Review creator earnings and approve payouts.

SDK surface

(workspaceId) => Wallet

Read the workspace wallet, including reservations and limits.

(operation, units) => CostEstimate

Price an operation before offering it to the user.

(workspaceId, estimate) => Reservation

Lock credits before a paid operation runs.

(reservationId, actualCredits) => UsageRecord

Commit the actual cost and release the difference.

(reservationId, reason) => void

Refund a reservation when execution fails.

(workspaceId, feature) => boolean

Check a plan feature flag without knowing the plan.

(workspaceId) => Invoice[]

Read billing history for the workspace surface.

(packageId, provider) => PaymentIntent

Open a provider-agnostic checkout for a package or plan.

(workspaceId, code) => Discount

Validate and apply a coupon server-side.

(listingId, grossCents) => RevenueEntry

Split a marketplace sale into platform fee and creator net.

Workspace dashboard

Wallet balance

metric · wallet.read

Current plan

metric · wallet.read

Credit trend

chart · wallet.read

Recent usage

table · wallet.read

Renewal date

metric · subscriptions.manage

Buy credits

action · billing.manage

Transaction history

table · wallet.read

Platform console

Plan management

table · platform.billing.manage

Credit packages

table · platform.billing.manage

Transactions

table · platform.billing.read

Payment tracking

table · platform.payments.manage

Revenue analytics

chart · platform.revenue.read

Creator earnings

table · platform.payout.manage

Coupon administration

table · platform.billing.manage

Manual adjustment

action · platform.credits.adjust

Coding standards

• — One wallet engine, one ledger, one billing engine, one pricing engine.
• — No duplicated payment logic in features, extensions or connectors.
• — No direct credit manipulation — only ledger operations.
• — Financial records are immutable and strongly typed.

Performance

• — Billing pages load lazily; the wallet summary is cached per workspace.
• — Reconciliation runs in the background, never in the request path.
• — Payments are queued and retried with exponential backoff.
• — Manual verification workflows exist for providers without callbacks.

Implementation notes

• — All financial actions flow through the monetization platform.
• — No feature implements its own billing logic.
• — Every paid action declares its credit cost up front.
• — Credits are deducted exclusively by the platform.
• — Full auditability for every financial transaction.
• — Provider abstraction prevents vendor lock-in.
• — Workspace-scoped data guarantees financial isolation.