Stack Credits proposes a no-card unified wallet for devs locked out of AI API payments
Neither_Avocado_3117 · reddit · 2026-10-20
A physics grad from India describes recurring friction paying for OpenAI/Anthropic/Groq APIs — blocked international transactions, rejected Indian cards, fast-drained free tiers. His pre-launch idea, Stack Credits: dev-tool companies fund AI credits earned via verified product trials (webhook-checked), pooled in a never-expiring wallet spent through one API key across open-weight and frontier models, no card required. He's seeking validation and trust objections on Reddit.
Related event: Indian Grad Builds Stack Credits to Trade Tasks for AI API Credits(2 posts)→
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