Credits and top-ups
Credits are prepaid balance that confirmed settlements draw down. Verify calls never cost anything, and neither do /supported, /health, /ready or /v1/status.
What a credit is worth
1 credit = 0.001 USDC. Fixed.
That rate does not move. It is deliberately not defined as "one settlement": the per-settlement fee can change, and if a credit meant a settlement, a fee change would silently reprice credit you had already bought. Pinning credits to USDC means what you bought last month is worth the same today.
| Credits | Cost |
|---|---|
| 100 | 0.10 USDC |
| 1,000 | 1.00 USDC |
| 10,000 | 10.00 USDC |
| 100,000 | 100.00 USDC |
Any whole number of credits works; the presets are a convenience.
Buying credits
On the facilitator dashboard, open Buy credits.
- Choose an amount in credits. The cost in USDC is shown as you type.
- Choose what to pay from. Your XDC AI smart wallet, or any wallet you have linked. Each option shows its USDC balance, and a balance too small for the purchase is flagged before you start.
- Send the payment. You get an exact amount and a single address on XDC. Send that amount, from the wallet you chose.
- Paste the transaction hash and select Verify payment.
That is the whole flow. There is no invoice, no card, and no account number to quote: the transaction itself is the record.
:::warning XDC network only Send USDC on XDC mainnet (chain id 50). The same address exists on Ethereum, Base and every other EVM chain, and USDC sent on one of those does not arrive and may be unrecoverable. :::
Which wallets can pay
A payment is credited only when we can tell it came from you.
| Source | Works | Why |
|---|---|---|
| Your XDC AI smart wallet | Immediately | The address is derived from your account |
| A wallet you linked | Immediately | You proved control by signing a message |
| Any other wallet | After you link it | Same proof, done once |
| An exchange withdrawal | No | You cannot sign from an exchange account. Withdraw to a wallet you control first |
Linking takes one signature. Enter the address, sign the message your wallet shows, and it is linked from then on. The message names your account and carries a single-use code that expires in ten minutes, so a signature cannot be reused or replayed against a different account. Hardware wallets, MetaMask and smart-contract wallets all work.
Unlinking stops future payments from that address being attributed to you. It never changes credit you have already received.
What happens after you pay
| You see | Meaning | What to do |
|---|---|---|
| Confirming (n of 12) | The payment is on chain and settling | Wait about a minute, then check again |
| Credited | Done | Nothing. The balance is updated |
| Held for review | The payment is real but something needs a person | See below |
A payment goes to review rather than crediting automatically when:
- it came from an address that is not linked to your account;
- it was for less than the order amount (we never credit part of an order, because a partial credit plus a second payment is the hardest thing to reconcile later);
- it arrived after the order expired;
- it is unusually large.
Nothing is ever lost in review. It means a person looks at it, not that the money is gone.
Two things are refused outright: a transaction that was already credited, and a payment made before you started the order. Both exist to stop one payment being counted twice.
Running out
If credits run out, settlement returns 403 insufficient_facilitator_credits to your server. That is a billing state on your account, not a problem with the buyer's payment, and your API should not tell them their payment failed. Top up and settlement resumes.
The same is true of 403 seller_plan_inactive, which means the plan is suspended.
Your history
The Credit history card on the dashboard shows two records side by side:
- Top-ups: what you paid, from where, and the state of each order.
- Ledger: what the facilitator recorded, including per-settlement debits.
They should agree. When they do not, that is exactly what you want to be able to see.
Refunds and corrections
Contact the team. Credit corrections are made by hand against your account with a recorded reason, rather than through a self-serve path.