Creditworthyby Schematic
The best credit wallets in software.
We buy credits in real products, use them up, and grade each wallet on seven criteria, from how clearly it shows usage to how fast it gets you unblocked.
Wallet ranking
Grading criteria
Four checks per criterion, verified on a paid account. The first three count double.
Where did my credits go?
An A looks like
A live balance and a ledger that shows what each action cost.
When will I run out?
An A looks like
A forecast of when you'll run out, plus the price of an action before you run it.
Can I stop spend I didn't plan?
An A looks like
Hard caps per workspace, member or agent, with a warning before you hit one.
How fast can I get unblocked?
An A looks like
A refill in a click or two, and auto top-up with a monthly ceiling.
Does the meter move when I do?
An A looks like
The balance updates within seconds, and limits apply on the next request.
Do the rules feel fair?
An A looks like
You can see what a credit is worth, and runs that fail cost nothing.
Is it clear and close to the work?
An A looks like
Usage appears where the work happens and reads at a glance.
Then we test enforcement.
Best-in-class wallet elements
These show up again and again in the wallets that grade highest.
You'll have 6,100 credits left after this run.
A price before the click
Show what an action will cost before it runs, while the user can still change their mind.
Seen in Clay, Gamma
With Schematic: Price each feature in credits, and show the cost in your UI before the action runs.
Resets in 2 hr 14 min
The reset clock
Put the exact time capacity comes back next to every limit, in the user's own timezone.
Seen in Claude Code, Figma
With Schematic: Limits that reset daily, weekly or monthly, shown in your app with usage components.
Below 50 credits, add 100. Up to 400 a month.
Auto top-up with a ceiling
Refill automatically below a threshold, and stop at a monthly maximum you set.
Seen in Lovable, Clay
With Schematic: Auto top-up with a threshold and an amount, set by your team or by the customer.
Pause usage at the limit
A hard stop at the budget
Customers pick a budget and usage pauses when they reach it, so the bill matches what they agreed to.
Seen in Vercel, Supabase
With Schematic: Hard limits that stop usage at the budget, or soft limits that warn and let it through.
Limit $50 per member each month
Budgets per member
Admins cap each person, so one heavy user can't drain the whole team's balance.
Seen in Lovable, GitHub Copilot
With Schematic: Budgets per user or per agent, with every event attributed to whoever spent it.
Paused at 20 credits
This run has used 20 credits so far. Keep going?
Check-ins on long runs
Pause a long agent run at a set spend and ask before it keeps going.
Seen in Lovable
With Schematic: Leases reserve credits before a long run starts, so it can't spend past what was approved.
A free reset you can save
Eligible plans get a one-time reset that refills the session or the week, spent whenever the customer chooses.
Seen in Claude Code
With Schematic: A one-time credit grant with its own expiry, issued to a single company.
A paid escape hatch with a ceiling
At the limit, people keep working on usage credits, capped by a monthly amount they chose.
Seen in Claude Code, Cursor
With Schematic: Overage or auto top-up past the plan limit, with a hard limit that stops spend where you set it.
Want your wallet graded?
We grade it against the same rubric and send you the private scorecard before anything is published.
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Build a wallet your customers expect.
Schematic puts credits, metering and limits on one real-time ledger, with wallet components your customers see inside your product.