01 — The Problem

Developers build. Users consume. Nobody settles.

You build an AI app. A user asks 47 questions. Each one costs you inference. Who pays? You? The user? Some vague subscription that 95% of people cancel after one month?

Right now, the developer bears the cost of AI consumption. That's why most AI apps are either free demos or enterprise-only. The middle — normal people paying fair prices for AI they actually use — doesn't exist. Because the billing layer doesn't exist.

2022
ChatGPT. Everybody uses AI. Nobody pays.
2023
Subscriptions everywhere. $20/month for everything. 95% churn.
2024
Developers avoid consumer AI. Too expensive to give away. Too complex to bill.
2025
We started solving it. From Ostrava.
01b — Real scenarios

10 apps that need AI billing. And don't have it.

01
Indie dev builds a writing assistant.

Users love it. Each query costs $0.03 in inference. Dev can't charge per-query — too complex. Can't do subscription — nobody pays $20/month for occasional use. FinSetAI: prepaid wallet, pay-per-use, developer gets margin. Done.

02
Real estate company adds AI training.

200 brokers, variable usage. Flat license = overpaying or underpaying. FinSetAI: each broker has a prepaid wallet. Company tops up. Usage tracked per session. Transparent.

03
SaaS wants to add AI features.

Product works. AI would make it 10x better. But who pays for the inference? Passing API costs to users = complexity nightmare. FinSetAI: one SDK, user-funded wallets, you set the margin.

04
Developer builds a multi-model pipeline.

GPT-4 for reasoning, Claude for writing, Whisper for transcription. Three providers, three pricing models, one user. FinSetAI normalizes everything to UOU. One bill. One wallet. One truth.

05
Education startup creates AI tutor.

Students use it differently — some ask 5 questions, some ask 500. Flat pricing = unfair. Per-query = scary for parents. FinSetAI: prepaid wallet with cost cap. Parent loads €10, student uses until it runs out. No surprises.

06
Healthcare app adds AI symptom checker.

Compliance matters. Every query must have audit trail. FinSetAI: Hash Ledger records every transaction. Who asked, what model answered, what it cost. Immutable. EU AI Act ready.

07
Legal tech adds contract analysis.

Big documents = expensive inference. Client shouldn't pay unknowable amount. FinSetAI: pre-calculate cost, deduct from wallet atomically. If wallet insufficient — transaction doesn't start. No runaway bills.

08
E-commerce adds AI product descriptions.

10,000 products, generated overnight. Cost must be predictable. FinSetAI: batch settlement, bulk pricing visible, Trust Fund covers disputes.

09
Agency builds AI tools for clients.

Each client = different usage, different budget. FinSetAI: per-client wallets, agency sets margin per client, one dashboard for all.

10
You. Whatever you're building.

If it uses AI inference, it needs billing. Not your billing. Not Stripe. Not some hack with API keys and spreadsheets. A real settlement layer. That's us.

Ten scenarios. One pattern. Developer builds. User pays. AI runs. Everyone knows exactly what it cost and why.

Three US patents pending. Working prototype. Atomic 4-party settlement.

One SDK. Prepaid wallets. Developer margins. Audit trail. That's FinSetAI.