Platform Credits

How It Works

Platform Credits let your customers preload money into your app and spend it over time on goods or services.
They behave like a digital gift card balance that exists only inside your platform.

How Coinflow Powers Platform Credits

Coinflow does not mint or hold credits.
Instead, Coinflow handles the payment processing and settlement, and your platform handles the credit logic.

Here’s what Coinflow does:

1. Process the customer’s payment
2. Settle the funds (in USDC) to your Coinflow Wallet
3. Notify you via webhook when settlement is complete

Here’s what you (the platform) do:

4. Upon receiving the webhook, you grant the customer the correct number of credits inside your own system
5. Customers spend credits inside your platform according to your rules

This keeps you fully in control of:

• Credit issuance
• Credit redemption
• Balance display
• Purchase logic
• Refund or reversal rules

Flow of Funds

1. Customer pays with their desired payment method through Coinflow Checkout
2. Funds settle in USDC to your Coinflow Wallet
3. Coinflow sends a settlement webhook to your backend
4. Your backend adds credits to the user’s balance
5. User spends credits within your app whenever they want
6. You already hold the USDC from the purchase, so each redemption is pure revenue recognition