Credit Time Exchange

Rent out idle AI subscription credits by the hour to people who need them

Problem

Someone with several Plus accounts says most are 5-hour limited and the quota goes unused while sleeping or on holiday, which feels wasteful. Meanwhile others hit rate limits when they need a burst. Idle and scarce credits coexist, but matching and per-usage billing are entirely manual.

Solution

A credit matching and billing platform where lenders list available windows and quota, borrowers pay per usage, and the system meters, bills, settles, and risk-controls automatically. Lenders set floor price and max exposure; borrowers plug into existing workflows.

Users

Developers and teams with multiple AI subscriptions, indie devs needing burst capacity, small AI product teams

MVP

Web matching dashboard only; lenders register accounts and time windows; usage metering and low-balance alerts; simple usage log and settlement record; invite-only to limit scale

Revenue

5-10% take rate per transaction, or a monthly fee for lenders with auto-listing and risk controls

Why now

AI subscription quota has become a divisible, transferable resource but has not been platformized; matching plus billing is enough to validate demand early