{
  "ok": true,
  "updated": "2026-05-25",
  "notes": "Which credit / wallet / account systems allow sharing — gifting credits to another user, pooling credits across a team, or sending balance peer-to-peer. Verify on the provider's docs before relying on this.",
  "systems": [
    {
      "name": "infr (planned)",
      "category": "compute-credit",
      "team_pool": true,
      "gift_credit": true,
      "p2p_transfer": true,
      "unit": "USD-denominated infr credit",
      "how": "Built-in: signed-in user can /transfer credits to another wallet or email. Team accounts share one balance.",
      "url": "/share"
    },
    {
      "name": "Stripe Gift Cards (Issuing)",
      "category": "fiat",
      "team_pool": true,
      "gift_credit": true,
      "p2p_transfer": false,
      "unit": "USD (or any currency)",
      "how": "Create gift card via Issuing API. Codes can be redeemed by anyone with the URL. Cannot transfer balance between Stripe customers directly.",
      "url": "https://stripe.com/docs/issuing/cards/virtual"
    },
    {
      "name": "Coinbase / USDC",
      "category": "stablecoin",
      "team_pool": false,
      "gift_credit": true,
      "p2p_transfer": true,
      "unit": "USDC",
      "how": "Any wallet sends to any wallet, on-chain. Send by email via Coinbase Pay. No infrastructure needed beyond a recipient address.",
      "url": "https://help.coinbase.com/en/coinbase/sending-or-receiving-cryptocurrency"
    },
    {
      "name": "Lightning Network",
      "category": "stablecoin",
      "team_pool": false,
      "gift_credit": true,
      "p2p_transfer": true,
      "unit": "BTC (sats)",
      "how": "Send to any lightning address (e.g. alice@walletofsatoshi.com). Sub-cent micropayments, ~2s settlement.",
      "url": "https://lightningaddress.com"
    },
    {
      "name": "Wise (formerly TransferWise)",
      "category": "fiat",
      "team_pool": true,
      "gift_credit": false,
      "p2p_transfer": true,
      "unit": "multi-currency",
      "how": "Send to anyone with an email or phone. Business accounts share balance across team members.",
      "url": "https://wise.com"
    },
    {
      "name": "PayPal",
      "category": "fiat",
      "team_pool": false,
      "gift_credit": true,
      "p2p_transfer": true,
      "unit": "USD",
      "how": "Send by email. Gift cards available. No team-pool product.",
      "url": "https://paypal.com"
    },
    {
      "name": "OpenAI API credits",
      "category": "compute-credit",
      "team_pool": true,
      "gift_credit": false,
      "p2p_transfer": false,
      "unit": "OpenAI credits ($)",
      "how": "Organization billing — invite members, all share the same credit pool. No way to gift credits to a personal account or move them between orgs.",
      "url": "https://platform.openai.com/account/organization"
    },
    {
      "name": "Anthropic API credits",
      "category": "compute-credit",
      "team_pool": true,
      "gift_credit": false,
      "p2p_transfer": false,
      "unit": "Anthropic credits ($)",
      "how": "Workspaces share usage; admins invite members. No transfer of credits across orgs.",
      "url": "https://console.anthropic.com"
    },
    {
      "name": "fal credits",
      "category": "compute-credit",
      "team_pool": true,
      "gift_credit": false,
      "p2p_transfer": false,
      "unit": "fal credits",
      "how": "Team accounts share one pool. No P2P gifting; you'd top up someone's account by paying their card on file.",
      "url": "https://fal.ai/dashboard"
    },
    {
      "name": "Replicate",
      "category": "compute-credit",
      "team_pool": true,
      "gift_credit": false,
      "p2p_transfer": false,
      "unit": "Replicate credits ($)",
      "how": "Organizations share billing; members tracked individually. No gifting.",
      "url": "https://replicate.com/account/billing"
    },
    {
      "name": "Together AI",
      "category": "compute-credit",
      "team_pool": true,
      "gift_credit": false,
      "p2p_transfer": false,
      "unit": "Together credits ($)",
      "how": "Org-level billing. No transfers between orgs.",
      "url": "https://api.together.xyz"
    },
    {
      "name": "Modal",
      "category": "compute-credit",
      "team_pool": true,
      "gift_credit": false,
      "p2p_transfer": false,
      "unit": "Modal credits ($)",
      "how": "Workspaces share credit; admin invites members.",
      "url": "https://modal.com/settings"
    },
    {
      "name": "RunPod",
      "category": "compute-credit",
      "team_pool": true,
      "gift_credit": false,
      "p2p_transfer": false,
      "unit": "RunPod credits ($)",
      "how": "Team accounts share pod allocations and credits.",
      "url": "https://www.runpod.io/console/team"
    },
    {
      "name": "Vercel AI Gateway",
      "category": "compute-credit",
      "team_pool": true,
      "gift_credit": false,
      "p2p_transfer": false,
      "unit": "Gateway credits ($)",
      "how": "Vercel team-level billing applies to all members of the team.",
      "url": "https://vercel.com/docs/ai-gateway"
    },
    {
      "name": "Dub.co referral payouts",
      "category": "referral",
      "team_pool": false,
      "gift_credit": false,
      "p2p_transfer": true,
      "unit": "USD",
      "how": "Affiliate revenue paid out to wallet or Stripe-Connected account. The referrer can be anyone — this is how infr's 1% kickback works.",
      "url": "https://dub.co/help/article/partners-payouts"
    },
    {
      "name": "OpenRouter credits",
      "category": "compute-credit",
      "team_pool": false,
      "gift_credit": true,
      "p2p_transfer": true,
      "unit": "OpenRouter credits ($)",
      "how": "One of the few API providers with built-in credit transfer between accounts. Useful precedent for what we want.",
      "url": "https://openrouter.ai/docs/use-cases/byok"
    }
  ]
}