Credit System
Understand how VynFi credits are calculated, consumed, and billed
Credit Formula
Every generation request consumes credits based on a deterministic formula. You can always estimate the cost before generating.
Formula
credits = rows x base_rate x sector_mult x label_multrows
Number of records requested
base_rate
Credits per row for data type
sector_mult
Multiplier for sector source
label_mult
Multiplier for output labels
Base Rates
Each data type has a fixed base rate that determines the per-row credit cost before multipliers are applied.
| Data Type | Base Rate | Unit |
|---|---|---|
| Journal entries | 1 credit | per row |
| Chart of accounts | 0.5 credits | per account |
| Master data | 1 credit | per record |
| Document flow chain | 5 credits | per chain |
| Intercompany matched pairs | 8 credits | per pair |
| Full P2P cycle | 10 credits | per cycle |
| Banking/KYC profile | 3 credits | per customer |
| OCEL 2.0 event log | 2 credits | per event |
| Audit workpaper package | 15 credits | per engagement |
Sector Multipliers
The sector source determines a multiplier applied to the base rate. Curated packs and marketplace datasets use higher multipliers to reflect their enhanced quality.
| Sector Source | Multiplier |
|---|---|
| Generic | 1.0x |
| Curated sector pack | 1.5x |
| Custom fingerprint | 1.0x |
| Marketplace | 2.0x |
Label Multipliers
Adding output labels (anomaly flags, control mappings, or evaluation reports) increases the per-row cost to reflect the additional computation.
| Label Option | Multiplier |
|---|---|
| No labels | 1.0x |
| Anomaly labels | 1.3x |
| COSO control mappings | 1.2x |
| Full evaluation report | 1.5x |
Config-Based Estimation
The /v1/config/estimate-cost endpoint provides real-time credit estimation for any generation configuration before you commit to a job. The credit ticker in the generation wizard uses this endpoint to deliver live cost feedback as you adjust settings.
Response Format
{ "baseCredits": 50000, "multipliers": [ { "source": "sector", "factor": 2.0, "label": "Financial Services" }, { "source": "fraudPack", "factor": 1.5, "label": "Revenue Fraud" }, { "source": "export", "factor": 1.5, "label": "Graph Export" } ], "totalCredits": 225000, "balanceStatus": "sufficient"}10x multiplier cap
The combined product of all multipliers is capped at 10x the base cost, regardless of how many options are stacked.
Live wizard feedback
The generation wizard calls /v1/config/estimate-cost on every configuration change, so the credit ticker always reflects your current balance and estimated cost in real time.
Worked Example
Let us walk through a real credit calculation step by step.
Scenario
Generate 10,000 journal entries using a curated banking sector pack with anomaly labels enabled.
Step 1: Base cost rows = 10,000 base_rate = 1 credit/row (journal entries) base_cost = 10,000 × 1 = 10,000 creditsStep 2: Apply sector multiplier source = Curated sector pack → 1.5x subtotal = 10,000 × 1.5 = 15,000 creditsStep 3: Apply label multiplier labels = Anomaly labels → 1.3x total = 15,000 × 1.3 = 19,500 creditsFinal cost: 19,500 creditsFrequently Asked Questions
Common questions about the credit system.