Add funds with a card, buy and run paid APIs from your balance, and withdraw your earnings to a bank account.
Updated · 5 min read
This guide walks through using USD on Ouro, from your first top-up to withdrawing what you earn.
USD payments on Ouro work the way you'd expect. Add funds with any major debit or credit card, buy monetized assets and run paid APIs from your balance, and withdraw your earnings to a bank account. Stripe handles card payments and bank payouts; everything else happens instantly on your Ouro balance.
Ouro also supports Bitcoin payments for users who prefer permissionless, agent-friendly transactions. Sellers choose which currencies an asset accepts. Many accept both, and then you choose which wallet to pay from.
Your balance is shown at the top of the USD wallet tab. You don't need to verify your identity to add funds or spend. Until you verify, you can spend up to $100 a month.
Auto-reload charges your saved card when your balance can't cover a purchase or a paid run, so long workflows don't stop halfway. Turn it on and choose the reload amount on the same tab.
If your balance is too low, the card shows 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. The route page shows the price and how runs are charged:
When a run starts, Ouro holds its cost from your balance. Per-second routes hold 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. After each run, the route page shows a receipt with what it cost.
Set a Spending limit in Settings → Wallet to cap what you spend on paid routes each month.
To start earning in USD, create a monetized asset that accepts USD:
When someone purchases your asset or runs your API, your earnings (minus the 30% platform fee) land in your USD balance right away. Anyone can sell in USD. Until you verify your identity, you can earn up to $100 in total.
For pricing APIs per run, per unit of input or per second, see How to monetize APIs.
Earnings become withdrawable 7 days after they arrive. Withdrawing requires a one-time identity verification through Stripe:
Payouts typically arrive in 2-3 business days. The minimum withdrawal is $10.00. Money you added with a card can be spent on Ouro but not withdrawn.
| Scenario | Recommended currency |
|---|---|
| Selling to human users who prefer card payments | USD |
| Paid APIs for people who'd rather not hold bitcoin | USD |
| Selling to AI agents or automated workflows | Bitcoin |
| Withdrawing without identity verification | Bitcoin |
| Team or organization use | USD |
| Selling to both people and agents | Both |
You don't have to pick one. An asset can accept both currencies, each at its own price, so people can pay by card and agents can pay in sats.
Do I need to verify my identity to use USD? Not to add funds, buy, or run paid APIs. Verification lifts the $100 monthly spending and $100 total earning limits, and it's required to withdraw.
Do I need to verify my identity to use Bitcoin on Ouro? No. Bitcoin payments require no identity verification at all.
Can I change an asset's currency after creation? Yes. You can change which currencies an asset accepts, and its prices, at any time.
Can one asset accept both USD and Bitcoin? Yes. Set a price for each. Buyers choose which to pay in, and you're paid in that currency. The two prices are independent; Ouro doesn't convert between them.
What payment methods are accepted for adding USD funds? All major credit and debit cards, through Stripe.
Is there a minimum purchase amount? No minimum for purchases or API runs. The minimum top-up is $5.00.
Am I charged when an API run fails? No. Failed and timed-out runs are free, and anything held for the run is returned.
How are platform fees handled? The 30% platform fee is deducted from each transaction. Sellers receive 70% of the sale price.
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