Free tier: first 10 active wallets per month free, full API access in test mode. Production: $1 per active wallet per month (active = at least one transaction in billing month). First 1M events per month free. Volume discounts available.
Not given
Key features
Real-time usage metering and authorization before costs are incurred
Multi-asset wallets supporting USD, tokens, GPU hours, or custom units
Branded customer billing portal with self-service top-ups and history
Per-customer profitability analytics and event-level cost tracking
Support for usage-based, subscription, hybrid, credits, and seat-based pricing models
Hard budget ceilings per customer, agent, or team with real-time enforcement
Automatic top-up functionality when balance falls below customer-set threshold
MCP server integration for AI coding tools without backend required
REST API, OpenAPI spec, SDKs, and webhooks for developers
AI-powered bill calculation in 30 seconds
Receipt scanning
Trip tracking
Loyalty points system (YO Points)
Advanced splitting with extra fees
Pinpoint accuracy for fair sharing
Easy-to-use interface
Chat-based interaction with AI
What makes it different
Real-time billing for usage incurred in milliseconds, not month-end invoicing
No revenue percentage cuts or payment processing markups, only per-wallet fees
Built by payment infrastructure engineers from Checkout.com, Visa, TrueLayer, and SumUp
Originated from Revenew platform that analyzed $1B/month in revenue
AI handles all grouping and calculation automatically
Credyt™
Monyo