Indian dev builds Stack Credits: earn AI API credits by trying dev tools, no card needed

Neither_Avocado_3117 · reddit · 2026-10-20

A physics grad in India describes the pain of paying for AI APIs (OpenAI, Anthropic, Groq) from India: blocked international transactions, rejected cards, and free tiers that run out fast with serious agent use. He's pre-launching Stack Credits, where dev-tool companies fund AI credits that users earn by genuinely trying their products (verified via webhook). Credits pool into a non-expiring wallet spendable through one API key across open-weight and frontier models, with no card required. He's not selling anything yet—he's asking whether this solves a real problem, what would make people distrust the try-to-earn model, and which providers cause the most payment friction.

Related event: Indian Grad Builds Stack Credits to Trade Tasks for AI API Credits(2 posts)→

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