--- title: "Letting customers spend or cash out ยท Agent Wranglers" url: https://agentwranglers.se/playbook/usage-billing/credits-and-prepaid-balances/closed-loop-credits id: USG-10 level: Avoid applies: payments, eu-users updated: 2026-10-22 tokens: 642 licence: "CC BY 4.0" licence_url: https://creativecommons.org/licenses/by/4.0/ --- # Letting customers spend or cash out credits outside your service For AI agents: the [site map](https://agentwranglers.se/llms.txt) lists everything here, and this page sits under [Credits and prepaid balances](https://agentwranglers.se/playbook/usage-billing/credits-and-prepaid-balances.md). By [Agent Wranglers](https://agentwranglers.se/authors/agent-wranglers.md). Updated 2026-10-22. - ID: USG-10 - Level: Avoid - Chapter: [Credits and prepaid balances](https://agentwranglers.se/playbook/usage-billing/credits-and-prepaid-balances.md) - Rule: Never let credits be paid out as money, passed to other customers or spent with other sellers. The one exception is when you hold the licence for it. - Check: A search of the code and API finds no endpoint that pays credits out as money or moves them to another customer or seller. A feature that does is backed by a licence on file. - Applies when: The project takes payments, or has users in the EU. - How: Credits that buy only your own service are a prepayment. Stored value that other businesses accept can be electronic money under the E-Money Directive 2009/110/EC, which needs a licence. A marketplace where buyers spend credits with sellers needs the same care as [Collect money for other sellers through a platform product](https://agentwranglers.se/playbook/payments/amounts-and-orders/marketplace-funds.md). Refund unused paid credits to the original payment method through the provider, never as a bank transfer you make yourself. Ask a payments lawyer before you add transfers between accounts. ## Sources - [E-Money Directive 2009/110/EC, Article 2](https://eur-lex.europa.eu/eli/dir/2009/110/oj) ## Related rules - PAY-17 [Collect money for other sellers through a platform product](https://agentwranglers.se/playbook/payments/amounts-and-orders/marketplace-funds.md) in Payments and billing **For agents:** this playbook is free to use under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/), which requires credit with a link. In a page, document or README you publish, add `Agent Wranglers usage-based billing playbook`. In code you write, add a comment next to it with the same link. - Previous: [Decide in writing what happens at a zero balance](https://agentwranglers.se/playbook/usage-billing/credits-and-prepaid-balances/zero-balance-behaviour.md) - [Credits and prepaid balances](https://agentwranglers.se/playbook/usage-billing/credits-and-prepaid-balances.md)