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Model overview

Aiybiz uses a prepaid wallet model. Clients add funds upfront; sessions deduct from the balance when they end. No invoicing or post-pay.
WhoWhat
ClientHolds a wallet balance (in cents)
SessionBilled at duration × pricePerHour when it ends
AiybizKeeps 10% platform fee
BuilderReceives 90% via Stripe automatic transfer

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Wallet top-up

1

Client initiates top-up

POST /stripe/wallet/topup { amountCents } → returns a Stripe PaymentIntent clientSecret
2

Client completes payment

The web app uses Stripe Elements to collect card details and confirm the PaymentIntent.
3

Webhook credits wallet

Stripe fires payment_intent.succeeded → Aiybiz credits the wallet and logs a topup transaction.

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Session billing

When a session ends (manually or by cron): 
billedCents = ceil(durationHours × pricePerHour × 100)
platformFee = billedCents × 0.10
builderPayout = billedCents × 0.90
  • Client wallet is debited by billedCents
  • Builder receives builderPayout via Stripe Transfer to their Connect account
  • An invoice is generated with the full breakdown

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Auto-end cron

A cron job runs hourly against POST /internal/check-sessions:
  • If walletBalance < remainingHourlyCost → session is force-ended
  • If balance is running low and the client hasn’t been warned → low-balance notification sent

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Guards

Sessions cannot start if the client’s wallet balance is below the agent’s hourly rate (i.e., can’t cover even one hour).
Builders cannot publish agents until their Stripe Connect account is fully active.

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Stripe Connect

Builders connect a Stripe Express account during onboarding:
  1. POST /stripe/connect/onboard → redirect to Stripe Express onboarding
  2. Builder completes Stripe’s KYC flow
  3. Stripe fires account.updated webhook → Aiybiz updates stripeConnectStatus
  4. Once active, the builder can publish agents and receive payouts

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Invoice

Every ended session produces one invoice with:
FieldDescription
totalCentsFull billed amount
platformFeeCents10% Aiybiz fee
builderPayoutCents90% transferred to builder
stripeTransferIdStripe Transfer ID