class A
Account & verification
durable moments — accounts you joined, tiers you upgraded, agents you authorized
§ pricing
Every integrator sets their own. Here's the platform layer.
me.ochk.io is a substrate, not a price-setter. Each integrator picks their per-event prices, picks how much of each fee flows to the user, and picks the denomination. OC retains a fixed 20% platform fee for operating the substrate. The rest is a configuration surface, not a contract.
§ oc platform fee
20%
of every integrator's gross_fee envelope. funds federation custody, ots anchor pipeline, signing service, abuse review. fixed by OC, ratified 2026-04-30, changeable only via oc-me-protocol PR.
§ minimum price floor
5 sats
≈ < $0.01 per event. no integrator can configure a per-event price below this floor — it's the anti-spam bound that keeps sybil farming unprofitable.
§ user share
0 – 80%
each integrator sets it per event subtype. the rest (after the 20% platform fee + user share) is a rebate to the integrator's OC balance. typical defaults: 65%.
What that means in practice: a fintech can price account_creation at 5,300 sats and route 55% to users. A Lightning-native exchange can price payment_authorization at 0.50% with 75% to users. A community-aligned federation can give 78% of every fee to users. Or any combination. me.ochk.io ships the protocol, bills the platform fee, and keeps every receipt verifiable on Bitcoin headers forever — but doesn't set the prices.
class B
Activity & cashback
ongoing flow — payments, verifications, stamps
class C
Sessions
ambient floor — a meaningful authenticated window with a site you use
§ suggested defaults
what the configurator UI starts pre-filled with.
These aren't bands and they're not enforced — just the values a typical SaaS would pick if they didn't want to think about it. Override every field on /integrate. Both denominations shown at parity at 1 BTC ≈ $95,000; real billing-time rate is recorded in the envelope itself.
| event | default · usd | default · sats | enabled? | default user share |
|---|---|---|---|---|
account creation | $1.23 / event | 1,300 sats | ✓ on | 65% |
account recovery | $0.62 / event | 650 sats | ✓ on | 65% |
kyc tier upgrade | $3.04 / event | 3,200 sats | ◌ off | 40% |
payment method connected | $0.30 / event | 320 sats | ✓ on | 65% |
agent delegation issued | $0.30 / event | 320 sats | ◌ off | 65% |
recovery method updated | $0.15 / event | 160 sats | ✓ on | 65% |
payment authorized | — | 0.75% of amount | ✓ on | 65% |
scoped action authorized | $0.10 / event | 100 sats | ✓ on | 65% |
attest verification | $0.27 / event | 280 sats | ◌ off | 65% |
stamp signed | $0.05 / event | 55 sats | ◌ off | 65% |
pledge resolved | — | 1.00% of amount | ◌ off | 65% |
session opened | $0.05 / event | 55 sats | ✓ on | 65% |
Several events ship enabled: false by default — KYC, agent delegations, attest gating, stamps, pledges. Most sites don't need those; the ones that do flip them on in the configurator and price them to their economics.
§ what real integrators picked
five sample configurations.
Each row is one site's actual per-event config. Different economics produce different choices; the platform substrate stays the same.
Breez
breez.example| event | site pays | you earn |
|---|---|---|
account creation | 2,100 sats $1.99 | +1,470 sats 70% share |
session opened | 80 sats $0.08 | +56 sats 70% share |
payment authorized | 0.50% of amount | 75% share |
payment method connected | 420 sats $0.40 | +294 sats 70% share |
Fold
fold.example| event | site pays | you earn |
|---|---|---|
account creation | 1,600 sats $1.52 | +960 sats 60% share |
session opened | 60 sats $0.06 | +39 sats 65% share |
payment authorized | 0.95% of amount | 78% share |
Damus
damus.example| event | site pays | you earn |
|---|---|---|
session opened | 40 sats $0.04 | +20 sats 50% share |
stamp signed | 30 sats $0.03 | +20 sats 65% share |
scoped action authorized | 80 sats $0.08 | +40 sats 50% share |
Zaprite
zaprite.example| event | site pays | you earn |
|---|---|---|
account creation | 5,300 sats $5.04 | +2,915 sats 55% share |
kyc tier upgrade | 4,200 sats $3.99 | +1,470 sats 35% share |
attest verification | 530 sats $0.50 | +345 sats 65% share |
session opened | 75 sats $0.07 | +45 sats 60% share |
payment authorized | 0.85% of amount | 65% share |
agent delegation issued | 480 sats $0.46 | +312 sats 65% share |
Fedi
fedi.example| event | site pays | you earn |
|---|---|---|
account creation | 850 sats $0.81 | +663 sats 78% share |
session opened | 50 sats $0.05 | +39 sats 78% share |
agent delegation issued | 200 sats $0.19 | +156 sats 78% share |
§ how every event splits
one envelope, four parties.
Every billable envelope reserves the same four slots — a fixed platform fee for OC, the user's configured share, the integrator's rebate (anything left), and a content-addressed signature trace anyone can verify.
oc · platform fee
20% of gross
fixed by OC. funds federation custody, signing service, OTS anchor pipeline, abuse review.
user · cashback
gross × user_share_pct
determined by the integrator's user_share_pct config for this event subtype.
site · rebate
whatever's left
credited back to the integrator's OC project balance. zero if user_share_pct = 80%.
anyone · audit
ed25519 + ots + nostr
the envelope itself. content-addressed, signed, anchored, republished. verifiable offline forever.
Worked example. An integrator pays $1.00 (1,053 sats) for an account_creation event with user_share_pct = 0.65. OC reserves 211 sats as the platform fee. The user earns 684 sats (65% of gross). The integrator's rebate absorbs the remainder: 158 sats (15% of gross). All four shares add to gross within ±1 sat for rounding.
§ for users
what you earn depends on which sites you use.
because each integrator sets their own prices and user-share, your cashback varies site-to-site. Fold gives 78% of payment fees; Damus gives 50% of session fees because their unit economics differ. the breakdown for every event is visible on /me/earn — gross, OC fee, your share, the integrator's rebate, all four.
honest range for typical use: $5–$30/mo. composition disclosed on /earn.
§ for sites that integrate
you set every price. configure once, ship forever.
no minimums, no tier lock-in, no surprises. your IntegratorPriceConfig declares which event subtypes you bill, what you pay per event, and what fraction flows to your users. OC takes 20% off the top; the rest is yours and your users'. change the config any time; envelopes already issued retain the prices in effect at time of issuance.
see the schema and live configurator on /integrate. first 1,000 sessions free.
why both denominations are first-class
Per /charter, commitment 07: Lightning customers are not a footnote. We do not surcharge Lightning, do not require a fiat onramp, and do not treat sat-paid customers as a niche segment. Both checkout rails ship at parity for both sites and users.
The reference exchange rate quoted on this page (1 BTC ≈ $95,000) is a snapshot, not a real-time quote. Actual sat amounts at billing time use the spot rate at envelope-creation time, recorded in the envelope itself for auditability.