Cred vs Stigg
Stigg governs entitlements at enterprise scale. Cred is a lean credit ledger.
Stigg is a pricing, entitlements, and credits platform for AI and enterprise SaaS. It offers multiple typed credit pools per customer, reserve-and-settle, auto-recharge with spend caps, agent budgets, and its own invoicing module, with integrations to Stripe, Airwallex, and enterprise billing systems. A paid bring-your-own-cloud deployment is available.[1][6][2][7][8][5]
AI and enterprise SaaS teams that need entitlement governance across many customers or agents, or run non-Stripe billing.
Cred is a credit ledger with payments attached. Your server issues and deducts credits per user and credit type over a REST API; a deduct that would overdraw is rejected in the same call. Users buy packs through hosted Stripe checkout, subscribe for monthly credits, save a card for auto top-up, or pay with x402 stablecoins as an AI agent.
Developer teams selling prepaid credits, tokens, or points inside an app, who want balances, checkout, and spend enforcement without running a billing system.
Last reviewed November 2026 against Stigg's public docs. Sources
Where each one
is the better pick.
Cred and Stigg overlap, but they start from different places.
Where Cred is better
- Hosted checkout that sells credit packs into a balance
- Escrow holds, swaps, and referrals on credits
- x402 agent payments
- Per-call pricing from $10, no monthly plan
Side by side.
Capabilities of Cred and Stigg, as documented in November 2026.
| Capability | Cred | Stigg |
|---|---|---|
| Prepaid credit balance per user | ||
| Custom, non-monetary credit types Independent credit pools per type.[1] | ||
| Balance enforced at spend time | ||
| Hosted checkout for buying credit packs Checkout widget for plans and add-ons; credit packs not stated.[4] | ||
| Auto top-up when a balance runs low Monthly spend cap; pauses on failed payment.[2] | ||
| Subscriptions that grant recurring credits | ||
| Credit expiry rules | ||
| Invoicing and revenue recognition | ||
| Open source / self-host Paid BYOC from $40K/yr; not open source.[5] | ||
| AI agents pay with x402 Not found in Stigg's docs as of review. | ||
| Pricing model | 1 CRD per API call. Packs from $10 for 1,000 calls, no monthly fee, no share of your revenue; Stripe's processing fees apply to your sales. | Build: free. Pro: $499/mo, or $399/mo billed annually. Scale: custom. BYOC from $40K/yr.[5] |
Cred vs Stigg, answered
Is Stigg or Cred better for AI credits?
Stigg suits teams governing entitlements and budgets across many customers and agents. Cred suits teams selling credits directly to users, with checkout, auto top-up, and x402 agent payments on one ledger.[7]
Can Stigg run in my own cloud?
Yes, through a paid bring-your-own-cloud option starting at $40K per year. Cred is hosted only.[5]
Does Stigg support auto-recharge?
Yes. Stigg recharges when a balance drops below a threshold, with a monthly spend cap. Cred's auto top-up charges a saved card through the same path as an on-demand charge.[2]
Related comparisons
Cred vs Schematic
Schematic turns credits into feature flags. Cred keeps them as a ledger.
Cred vs Autumn
Autumn adds check and track on top of your Stripe. Cred is the ledger and checkout.
Cred vs Chargebee
Chargebee runs subscription revenue. Cred runs the credits users spend.
Cred vs usage-based billing platforms
They invoice usage. We run credit economies.
Cred pricing
1 CRD per API call, no monthly fee.
Getting started
Create a project and issue your first credit in minutes.
Sources · last reviewed November 2026
- 1.Stigg Docs: Set up credits
- 2.Stigg Docs: Credits auto-recharge
- 3.Stigg Docs: Recurring credits
- 4.Stigg Docs: Checkout widget
- 5.Stigg pricing
- 6.Stigg Docs: Reserve and settle credits
- 7.Stigg Docs: Budgets for AI agents
- 8.Stigg Docs: Bill customers using invoices
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