AI · alternatives · 2026
24 alternatives to CreditFX
Stop counting credits. Start understanding them.
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.
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Empowering Faster & Smarter B2B Credit Decisions, Every Time
2024 · finfloh.com · its alternatives →
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Ray▲298I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.
Apr 2026 · rayfinance.app · its alternatives →
- 3
Fina▲257Fina lets you build your own tracking system with live financial accounts all without using a spreadsheet. You can build and share custom templates the same way you can in notion.
2023 · fina.money · its alternatives →
- 4IQ
Quick background: I used to code. Studied it in school, wrote some projects, but eventually convinced myself I wasn't cut out for it. Too slow, too many bugs, imposter syndrome — the usual story. So I pivoted, ended up as an investment associate at an early-stage angel fund, and haven't written real code in years. Fast forward to now. I'm a Buffett nerd — big believer in compound interest as a mental model for life. I run compound interest calculations constantly. Not because I need to, but because watching numbers grow over 30-40 years keeps me patient when markets get wild. It's basically…
Jan 2026 · calquio.com · its alternatives →
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Orbit Money▲120Track every API and tool you pay for in one place
Apr 2026 · orbitmoney.io · its alternatives →
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Credyt▲100Hey HN! I'm the founder of Credyt (https://credyt.ai). If you're running an AI product that burns $0.50+ per interaction, you need to bill customers as usage happens, not at the end of the month. Otherwise you're a bank for your customers, and you'll run out of money before they do. Why invoice-based billing doesn't work for AI: Most usage-based billing tools (Stripe Billing, Orb, etc.) were built for SaaS. They meter usage all month, then send an invoice. That works fine when your COGS is 5%. It's a disaster when you're paying your AI vendor upfront for every request and your…
Nov 2025 · credyt.ai · its alternatives →
- 8
Launch your own independent remittance startup
2023 · xfxhub.com · its alternatives →
- 9
I'm a solopreneur and I made it very easy to integrate a credit system into your apps and games using Creduse. I built Creduse because more and more users want pay-as-you-go models, and founders need new ways to increase user engagement or nicely limit cost-intensive features (see AI). Creduse is built by a developer for developers. I hope it will help as many startups as possible. Feedback are very much appreciated. Francesco
2024 · creduse.com · its alternatives →
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delegare▲70Hi guys, am building SecureLend.ai and when working on our underwriting agents (free trial, paid after) I had issues with seamless payment options. Of course I looked at x402 which I believe is a great protocol but not a fan of a) sharing private keys with the agent b) having a human in the loop or c) similar workaround e.g. pre-funded wallets So I started building out a solution. For my use case it was important to not only have stablecoins but also a fiat rail which is now implemented using Stripe. Initially I build a mandate system internally but am very glad and big shoutout to the guys…
Apr 2026 · delegare.dev · its alternatives →
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Treasury AI▲20Hi HN! I'm excited to share that Treasury (https://treasury.sh) is now available on the iOS App Store. Treasury is a personal finance app I've been building, and we just opened up our public beta. We'd love your feedback. Currently, Treasury has a set of core building blocks that let you create financial setups as simple or as complex as you want. You can track your net worth, analyze spending, spot recurring transactions, and build budgets that actually match how you think about money. Download it from the App Store and let me know what you think.
Jun 2026 · treasury.sh · its alternatives →
- 14
I use multiple AI tools for work and also my side projects, and the annoying part was to track my costs and token usage across tools. Everytime I had to visit each tool and its respective usage setting to check it and I was losing patience and also was getting hit by surprise limits Now I know that there are already free/open-source trackers for Cursor or Claude usage, and they are useful if that is all you need. My problem is broader as I wanted one small place to see tokens, spend, subscriptions and limits across the AI tools I actually use. I was really tired of switching tabs and…
Jul 2026 · lifehacksgermany.com · its alternatives →
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Track and control your money with just a picture
2025 · howispendmy.money · its alternatives →
- 16
Find free AI credits, API credits, and startup perks
Aug 2026 · ai-credits.ai · its alternatives →
- 17
Know your AI costs before you hit send
Jun 2026 · calculadoratokens.com · its alternatives →
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AI without the billing headache. For developers — zero token costs. For users — one credit wallet across every app.
Jul 2026 · rnetai.org · its alternatives →
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I use Claude Code, Codex and Cursor (and sometimes Antigravity) basically every day, and could never tell how much I was actually consuming across all of them. So I built TokenMaxxer. A small CLI reads the files these tools already write locally and puts it all in one dashboard, broken out by tool, model, provider and day. It covers 18 tools now, and you get a profile page with your daily activity, cost estimates, and your top models and tools. There's also a global leaderboard if you want to compete against other TokenMaxxers! I'd love to see if anyone can beat the first place (currently…
Aug 2026 · tokenmaxxer.xyz · its alternatives →
- 22MS
For years, I have struggled to understand my cash flow and save for the future. In addition to that, my wife has many credit cards and accounts that complicate matters. I am building a tool that connects all our accounts, helps us create a budget, and tracks and adjusts expenses on the fly. I am also sprinkling some AI magic on it for financial suggestions. I am looking for feedback on the implementation. More importantly, I am looking for more beta testers to improve the product.
2023 · financemadelovely.com · its alternatives →
- 23IM
Hello everyone. I'm a relatively new developer and I started my first project to go full production recently. It is a directory of payment processors and payment service providers. It's free to use and gives detailed info on their pricing, business model, supported business types, available countries, prohibited businesses and high risk business support. So far only 40 have been added with more to come. And I allow processors to contact me so that they're details can be added to the database. I'll eventually automate this and add verification the months to come. I hope you'll find it useful.…
2025 · sourcefees.com · its alternatives →
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Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →