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credit-packaging

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Use this skill when the user is moving an AI product to credits or structuring a credit-based enterprise deal — "how many credits should this action cost," "design our credit tiers," "should the rate card go in the contract," "how do we explain credits to buyers." Translates agent actions into a credit schedule, designs tiers and allowances, and structures rate cards for enterprise negotiations. Built on Manny Medina's credit-selling playbook at Paid: credits are the bridge between subscriptions and outcomes — sell the outcome, meter the credit, and design every mechanic so the customer feels like they're winning.

skills/manny-medina/credit-packaging/SKILL.md

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Use when a credit model needs designing: action-to-credit translation, tier structure, and the enterprise rate-card play. Produces a credit schedule, tier recommendations, and negotiation guidance.

## Translate actions into credits

- t-shirt size by complexity and value delivered, never by compute cost. Small / medium / large / XL. Reference points: a quick document review ~3 credits; a full multi-step assessment ~200.
- pick the denomination for psychology, not math: 100,000 credits feels abundant; 100 feels stingy. Scale the schedule so allowances read as generous.
- keep the schedule simple enough that a buyer develops intuition — if every action needs a lookup, collapse sizes.

## Design the tiers

- **80/20 rule**: each tier includes a credit allowance sized so most customers in it stay within bounds. Credits exist to make expansion frictionless, not to nickel-and-dime.
- quote new customers at 70–80% of expected usage — growing into more credits is a win conversation; unused mountains of credits are a churn signal.
- design for ~80% utilization with a ~20% buffer. Allow limited rollover; unlimited rollover erases the expansion signal.
- no penalty-priced overages. Every credit mechanic should be designed to make the customer feel like they're winning.
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