Credits

Topping up by card, UPI or stablecoin, and how the ledger works.

The wallet is prepaid and denominated in US dollars. You top it up, requests draw it down, and it cannot go negative. There is no subscription and no monthly minimum.

Nano-USD

Balances and every ledger entry are integers in nano-USD, a billionth of a dollar. Model prices are small enough that cents would round a real charge to zero, and floating point would drift. A balance of 4_240_000_000 is $4.24, exactly.

Cards and UPI

Card, UPI and netbanking top-ups run through Razorpay and settle in Indian rupees at a rate the operator sets and locks onto your order when it is created. The rate cannot move between the moment you see a total and the moment you pay it.

Paying with a non-Indian card

The charge on your statement is in INR. Your bank may add its own foreign transaction fee, which we neither set nor receive. The INR total is shown before you confirm.

Stablecoins

You can also pay from your own wallet in USDC or USDT on Base or Polygon. Connect the wallet, pick the chain and token, and send to the address shown. A stablecoin is credited one to one with the dollar.

We never hold your keys and never ask for a seed phrase. The transaction is signed in your wallet.
Credit lands after the chain's confirmation depth, typically about a minute on Base.
Send from the address you connected. A deposit from an unknown address is held for manual matching rather than credited to the wrong account.
Send the exact asset on the exact chain. A transfer on another chain cannot be recovered.

The ledger

Every movement is an append-only entry: top-ups, usage, adjustments, refunds, fees. Nothing is edited or deleted, so a correction is a new entry of the opposite sign and the history explains itself. You can read all of it on the credits page.