The Problem
Paying API creators
is broken
Platforms like ElevenLabs, Replicate, and HuggingFace pay millions of micro-earnings
to API contributors every month. The process is manual, slow, and leaking money.
💸
Fees eat the payout. A $3 wire fee on a $40 earning is a 7% tax on the creator. Nobody optimises when to send.
🤖
Fraud is rampant. Self-click farms and bot accounts inflate earnings. Manual review doesn't scale past 100 users.
🌍
Cross-border payments are a nightmare. 16 currencies, different rails, different compliance rules — no single tool handles all of it.
The Solution
MicroPayout AI
An autonomous AI pipeline that validates, times, invoices, and dispatches
every payout — without a human touching it.
🛡️
Validate before you pay. Every payout is screened for fraud signals — caller diversity, IBAN validity, bot patterns — before a cent moves.
📅
Send on the cheapest day. Real-time Wise fee quotes across 10+ currencies. Tuesday saves 0.3% vs Friday — automated, every time.
⚠️
Escalate what matters. Transactions above $100 are automatically held and a voice alert fires for manual review. Everything else ships.
Under the Hood
Three autonomous
agents. One pipeline.
① Compliance
Fetches API usage logs, validates IBANs, detects self-click fraud and bot accounts. Blocks or clears each payout.
→
② Treasury
Pulls live Wise fee quotes for the user's currency. Picks the lowest-fee send date. Selects Wise vs JP Morgan rail.
→
③ Operations
Generates the invoice, calculates net payout after fees, dispatches payment or escalates for manual approval.
🧠
Groq + Llama 3.3 70B — sub-second LLM reasoning per agent via CrewAI orchestration.
🔊
ElevenLabs voice alerts — high-value transactions trigger an audible warning in real time.
Tech Stack
Built on real infrastructure
Wise API
Live FX fee quotes for 10+ currency pairs. Real exchange rates, real transfer costs — not estimates.
ElevenLabs
Voice alert fires the moment a high-value payout is detected. Works in any browser, any device.
Groq / Llama 3.3 70B
LLM reasoning fast enough for real-time per-transaction decisions. Full audit trail on every call.
FastAPI + SSE
Every agent step streams live to the dashboard. No polling, no waiting — operators see decisions as they happen.
Competitive Landscape
Nobody is doing
this for micro-payouts
| Product |
AI Fraud Layer |
Fee Optimisation |
Micro-payment Focus |
Real-time Pipeline |
| MicroPayout AI |
✓ autonomous |
✓ live quotes |
✓ built for it |
✓ SSE stream |
| Stripe Connect |
✗ |
✗ fixed fees |
✗ general |
✗ |
| Tipalti |
✗ rules-based |
✗ |
✗ enterprise |
✗ |
| Trolley |
✗ |
✗ |
✓ partial |
✗ |
Why Now
The API economy
is exploding
Three forces are converging that make this the right product at the right moment.
📈
Creator supply is surging. The number of API-monetised developers is doubling every 18 months. Platforms are drowning in payout volume they can't handle manually.
⚡
LLMs are now cheap enough per transaction. Groq inference costs less than $0.001 per payout decision. AI fraud detection is no longer a luxury reserved for banks.
🏦
Open banking APIs just became accessible. Wise, Stripe, and open banking rails now expose the data needed for real-time fee optimisation to any startup — not just JPMorgan.
🎯
No incumbent owns this space. Tipalti targets $10M+ enterprises. Stripe Connect ignores fraud. The micro-payout niche is undefended and growing fast.