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routstr-core/docs/client/payments.md
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# Payment Flow
Routstr uses a **Pre-paid, Ephemeral** payment model. Pay first, use the funds, withdraw the rest. No accounts, no credit cards, no trails.
```
💰 Deposit → 🤖 Use AI → 💸 Withdraw Change
```
## 1. Creating a Balance (Deposit)
To start making requests, you must create a "Balance" (represented by an API Key).
### Method A: Lightning Network (Bolt11)
**Ideal for**: Users connecting from a standard Lightning wallet (Strike, Cash App, WoS).
1. **Request Invoice**:
`POST /lightning/invoice` with `{"amount_sats": 5000, "purpose": "create"}`.
2. **Pay Invoice**: User scans and pays the QR code/bolt11 string.
3. **Receive Key**: Routstr detects the payment and issues a new API Key (`sk-...`) pre-loaded with 5,000 sats (5,000,000 msats).
### Method B: Cashu Token Import
**Ideal for**: Private, instant access or automated agents.
1. **Generate Token**: User creates a token in their local wallet (e.g., 1000 sats).
2. **Import**: `GET /v1/balance/create?initial_balance_token=cashuA...`
3. **Receive Key**: Routstr claims the token and issues an API Key (`sk-...`) with that balance.
---
## 2. Consuming Funds (Inference)
Every time you make a request to `/v1/chat/completions` (or others), the cost is deducted from your balance **in real-time**.
### Cost Calculation
`Cost = (Input_Tokens * Price_Input) + (Output_Tokens * Price_Output) + Request_Fee`
- Prices are defined per model (see `/v1/models`).
- If you stream the response, the balance is deducted incrementally or finalized at the end of the stream.
- If your balance hits 0 mid-stream, the connection is closed.
### Headers
Routstr checks the `Authorization: Bearer sk-...` header to identify which balance to charge.
---
## 3. Topping Up
If your balance runs low, you don't need a new key. You can top up the existing one.
### Via Lightning
`POST /lightning/invoice` with `Authorization: Bearer sk-...` header and body `{"amount_sats": 1000, "purpose": "topup"}`.
*Once paid, the funds are added to your existing key.*
> Legacy: the endpoint is also exposed at `/v1/balance/lightning/invoice`, and accepts an `api_key` field in the body as a fallback for older clients. New integrations should use the RIP-08 path with the `Authorization` header.
### Via Cashu
`POST /v1/balance/topup` with `{"cashu_token": "..."}` and `Authorization: Bearer sk-...`.
---
## 4. Refund (Withdrawal)
Don't leave large balances sitting on a node—it's a hot wallet. When you're done, get your sats back.
### Endpoint
`POST /v1/balance/refund`
**Headers**:
`Authorization: Bearer sk-...`
**Response**:
```json
{
"token": "cashuAeyJ0b2tlbiI6W3sibWludCI6...",
"msats": "450000"
}
```
You can verify the refund was successful by checking that the API Key is now invalid or has 0 balance. Copy the `token` string and paste it into your Cashu wallet to claim the Bitcoin.
---
## Summary
| Step | Action | Result |
|------|--------|--------|
| 💰 **Deposit** | Pay Lightning invoice or import Cashu | Get `sk-...` key |
| 🤖 **Use** | Make API requests | Balance decreases |
| 💸 **Refund** | Call `/v1/balance/refund` | Get Cashu token back |
That's it. No monthly bills, no surprise charges, no data harvesting.