Prepaid credit
Credit is a prepaid balance of points that InfraIO Pay uses to pay your platform fees. Instead of fees being collected from each payment, they can be deducted from your credit.
Credit points are not money. They cannot be withdrawn, transferred to another account or exchanged for cash. They can only be used to pay platform fees.
Where credit comes from
- Top-ups — you can top up credit with crypto from your dashboard.
- Referral commission — you can choose to receive earned referral commission as credit.
How credit is used
When a payment settles, the platform fee is deducted from your credit balance first. If the balance does not cover the whole fee, the remainder is handled as a debt that is settled from your next top-up or commission.
Credit does not change your fee rate. The rate still comes from your volume tier and discounts.
Credit versus IFO
| Prepaid credit | IFO token | |
|---|---|---|
| What it is | Points that pay platform fees | An on-chain token on Base |
| Withdrawable | No | You can deposit and withdraw IFO |
| Transferable | No | Yes |
| Fee effect | Pays the fee | Pays the fee at a 20% discount |
Your IFO balance is kept separate from credit. See IFO utility.