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Credyt™ vs PayRam

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

Credyt™ compared with PayRam
DetailCredyt™ logo Credyt™PayRam logo PayRam
What it doesReal-time billing infrastructure for AI products Self-hosted payment gateway for accepting card and crypto payments without third-party intermediaries
StageNot given Not given
FoundedNot given Not given
Based inUS Not given
Pricing modelFreemium Open source
PricingFree 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
  • Self-hosted deployment in 10 minutes with one command
  • Supports 20+ tokens including USDC, USDT, Bitcoin, Ethereum, Solana, Tron
  • Card-to-crypto onramp with 40+ currencies and 300+ payment methods
  • Dedicated permanent deposit address per customer
  • SmartSweep automatic fund consolidation to cold wallet
  • Unlimited transaction scalability
  • MCP-native AI agent integration
  • Full custody with multi-wallet support
  • Built-in ledger, analytics, and P&L reporting
  • Pre-built API snippets and developer-friendly SDKs
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
  • No signup, no approvals, no account freezes with permissionless deployment
  • Full self-custody without intermediary holding funds
  • AI agent payments without KYB requirements
  • Resistance to censorship through decentralized infrastructure
  • Unified card and crypto payment acceptance globally
Free planNot given Not given
Open sourceNot given Not given
PlatformsNot given Not given
Public APINot given Not given
Community votes00
DR (Domain Rating by Ahrefs)18 no change since last check45 −3 (down) since last check
Trust Flow (Majestic)189
Citation Flow (Majestic)3336
Referring domains (Majestic)685345

4 details filled in for both companies.

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