class A
Account & verification
durable moments — accounts you joined, bonds you locked, agents you authorized
§ pricing · the platform layer
You set every per-event price. OC takes 20%. The rest is yours.
me.ochk.io is a substrate, not a price-setter. You pick your per-event prices in sats (or percent-of-amount for monetary subtypes), pick which subtypes you bill on, pick how much of each fee flows to the user (0–80%). OC retains a fixed 20% platform fee for operating the substrate — ratified per charter, changeable only via a versioned @orangecheck/me-client release. The rest is a configuration surface, not a contract.
§ ROI estimator
Plug in your traffic · see the four-way split.
me.ochk.io retains a flat 20% platform fee. You set everything else · per-event price (in sats) and how much of the remainder streams to your users vs. your rebate balance. Numbers below are estimates · actual settlement is in sats, USD shown at a reference rate of $100,000/BTC.
gross fee · monthly
2,000,000 sats
≈ $2.0k · 40,000 events
OC platform fee · 20%
400,000 sats
≈ $400
your users earn
1,300,000 sats
≈ $1.3k · 65% of gross
your rebate
300,000 sats
≈ $300 · remainder
> Multiply by 12 for annual. Each integrator sets per-subtype prices · this widget assumes one weighted-average. The math matches lib/events/types.ts's computeFees() exactly · what you see here is what bills.
§ 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 a versioned @orangecheck/me-client release.
§ minimum price floor
1 sat
the natural atomic Bitcoin unit. integrators set their own per-event prices above this floor — OC does not impose sybil-resistance opinions on integrators. spam-control gates (attest_tier, paid-action minimums) are the integrator's call from their own threat model.
§ 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. The wizard at /me/projects/new drops you in here; tune every field at /me/projects/[id]/config after. 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% |
attest bond increased | $1.52 / event | 1,600 sats | ◌ off | 65% |
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 — bond attestations, 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.
§ archetype configurations
Six illustrative archetypes.
Each row is a sample profile modeled on a common business shape — not a real company's configuration. They show how different economics drive different choices on the same platform substrate. Real integrator configs live on the integrator's own project at /me/projects.
Sample · Lightning Fintech
lightning-fintech.sample| 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 |
Sample · Cashback-Heavy Wallet
cashback-wallet.sample| 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 |
Sample · Lightning-Native Social
social-client.sample| 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 |
Sample · High-Trust Merchant SaaS
merchant-saas.sample| event | site pays | you earn |
|---|---|---|
account creation | 5,300 sats $5.04 | +2,915 sats 55% share |
attest bond increased | 2,200 sats $2.09 | +1,210 sats 55% 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 |
Sample · Community Federation
community-federation.sample| 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 |
Sample · Creator Platform
creator-platform.sample| event | site pays | you earn |
|---|---|---|
account creation | 1,100 sats $1.05 | +770 sats 70% share |
session opened | 35 sats $0.03 | +25 sats 70% share |
stamp signed | 80 sats $0.08 | +48 sats 60% share |
payment authorized | 0.65% of amount | 70% share |
scoped action authorized | 90 sats $0.09 | +50 sats 55% 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.
configurator + drop-in code on /why#integrators; the three-step wizard issues your project_key at /me/projects/new. first 1,000 sessions free.
sats are the unit · USD is shown alongside
Bitcoin is the unit of account on me.ochk.io. Every price an integrator declares is in sats; every cashback line in /me/earn is in sats; every billing envelope settles in sats. Sites pay in sats. Users earn in sats. There's no fiat rail buried under the surface.
USD is shown alongside sats on every price for human readability — at a snapshot rate of 1 BTC ≈ $95,000 on this page. Real billing-time rate is the spot rate at envelope creation, recorded in the envelope itself for auditability. Per docs.ochk.io/charter, commitment 07: Lightning customers are not a footnote — we do not surcharge Lightning and do not require a fiat onramp.