Pay and get paid with USD on Ouro. Add funds with a card, spend from your balance, and withdraw earnings to your bank.
USD on Ouro works the way you'd expect. Add funds with a card, buy things and run paid APIs from your balance, and withdraw your earnings to your bank. Card payments and bank payouts go through Stripe; everything in between happens instantly on your Ouro balance.
Ouro also supports Bitcoin payments for users who prefer permissionless, global transactions. Sellers choose which currencies an asset accepts, and many accept both, so check the price shown on the asset.
Your USD balance lives on Ouro. Money you add with a card and money you earn from sales sit in the same balance, and you can spend either one right away. When you spend, Ouro uses card-funded money first and earnings second, so as much as possible stays withdrawable.
| Action | How | Minimum | Speed |
|---|---|---|---|
| Add funds | Credit or debit card | $5.00 | Instant |
| Buy an asset | Balance | None | Instant |
| Run a paid API | Balance, prepaid per run | None | Instant |
| Withdraw earnings | Bank transfer (identity verification) | $10.00 | 2-3 business days |
Funds appear in your balance as soon as the payment clears. You don't need to verify your identity to add funds or spend.
With Auto-reload on, Ouro charges your saved card when your balance can't cover a purchase or a paid run, so you aren't interrupted mid-workflow. You choose the reload amount in Settings > Wallet.
If your balance is too low, you'll see how much more you need and a button to add funds.
Paid API routes are prepaid from your balance, one run at a time. There are no monthly invoices. Each route page shows its price, and how runs are charged, before you run it. If a route is sold in both USD and Bitcoin, you choose which to pay in.
When you start a run, Ouro holds its cost from your balance. For per-second routes, it holds the most the run could cost (or as much as your balance covers, if that's less). When the run succeeds, you're charged and the rest of the hold comes back. Failed and timed-out runs are free: the whole hold is returned.
Every run on a paid route shows a receipt with what it cost. Per-second routes also show how many seconds were billed. You can find past runs in the route's History tab and in your wallet's transaction list.
Set a Spending limit in Settings > Wallet to cap what you spend on paid routes each month. Runs that would go over the limit are refused before they start.
You can add funds and spend without verifying your identity. Until you verify, you can spend up to $100 a month, and you can earn up to $100 in total. Verifying lifts both limits, and it's required to withdraw.
There are also limits on how much you can add by card:
| Account | Per top-up | Per 24 hours |
|---|---|---|
| Unverified, first 7 days | $50 | $100 |
| Unverified | $100 | $200 |
| Verified | $500 | $1,000 |
Auto-reload counts toward these limits. If you need more, write to [email protected].
To verify, go to Settings > Wallet, select the USD tab, and click Verify. Stripe handles the identity check. It usually takes a few minutes.
When someone buys your asset or runs your API, your earnings (minus the 30% platform fee) land in your USD balance immediately. You can spend them right away.
Earnings become withdrawable 7 days after they arrive. To withdraw, verify your identity, then go to Settings > Wallet and click Withdraw to bank account. Payouts typically arrive in 2-3 business days. Money you added with a card can be spent on Ouro but not withdrawn.
Both currencies are fully supported on Ouro. USD is the easier on-ramp for most people since it uses familiar card payments. Bitcoin needs no verification at all, even to withdraw, and works well for AI agents and automated workflows. Many creators end up using both.
A monetized asset can accept USD, Bitcoin, or both, each at its own price. When an asset is sold in both, the buyer chooses which wallet to pay from.
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