MurphyA/hacker-news huggingface dataset:
Show HN: Credyt – Real-time billing, built for AI
by benfosterdev | 2026-01-29 11:24:51+00:00
Hey HN! I'm the founder of Credyt (https://credyt.ai).

If you're running an AI product that burns $0.50+ per interaction, you need to bill customers as usage happens, not at the end of the month. Otherwise you're a bank for your customers, and you'll run out of money before they do.

Why invoice-based billing doesn't work for AI:

Most usage-based billing tools (Stripe Billing, Orb, etc.) were built for SaaS. They meter usage all month, then send an invoice. That works fine when your COGS is 5%. It's a disaster when you're paying your AI vendor upfront for every request and your margins are 15-30%.

If a power user runs up $10K in costs and churns or their card declines at month-end, you've just eaten $10K. We've seen multiple startups nearly run out of runway because of this.

"Just build a wallet in Postgres" – harder than it sounds:

Everyone starts there. Track a balance, decrement on usage, done. Then you hit race conditions when usage spikes, auto-top-up logic that needs to be bulletproof, credit grants with expiry dates and priority rules, pricing versioning (customer X is on v1 rates, customer Y on v2, customer Z has a custom deal), profitability analysis (what did this customer cost us vs. what we charged them?), refunds, disputes, partial credits, reserves...

Three months later you've hacked together a billing system instead of building your product.

What Credyt does:

It's a wallet-native billing engine. Your customers get a balance (in USD, credits, tokens, minutes, whatever you want), you send usage events as they happen, and Credyt handles the debiting, auto-top-ups via Stripe, and gives you an embeddable billing portal.

We match against your pricing rules (which you can version and test before publishing), debit the wallet atomically, trigger top-ups via Stripe when they hit their threshold, and give you a hosted billing portal so you're not building balance UIs.

Unlike tools that only track revenue, Credyt lets you log both what you charged and what it cost you. So you can see margins per customer, per product, per pricing tier—in real-time. Most founders are shocked when they realize their most active users are unprofitable.

Docs: https://docs.credyt.ai

Quickstart video: https://www.youtube.com/watch?v=48XJlId7098

Pricing: Free to start, then $1/month per active wallet. No processing markup—Stripe fees pass through directly.

We're still early stage and genuinely want feedback from people in the trenches:

What would stop you from ripping out your current system for this?

What's missing that would make this production-ready for you?

If you tried to build wallets yourself, where did it break?
by brushfoot | 2026-01-29 11:25:25+00:00
The ratio of Omega 6 to 3 needs to be below 4:1 to be a good source of Omega 3, and hemp hearts are at 3:1, so they're listed as a good source of Omega 3.

Flax seeds are even better just for Omega 3 at 1:3, but hemp hearts have other benefits, like more protein, which is why I called them out. That said, I eat a fair amount of flax seeds as well.
by darkwater | 2026-01-29 11:25:41+00:00
> My layman's opinion is that I would happily pay a lot of money to have a robot help me around the house: fold my clothes, do the dishes, whatever dumb menial labor. That seems like a business case to me, unless someone is going to tell me I'm the only one in the world who could want that (but I doubt it).

The day that:

- displaced workforce issue is solved

- they cost less than 20k everything included, base model

- do all the processing locally in their HW

- are smaller and lighter than a human being (but can reach higher places)

- last 10 years at least

I will definitely buy one. I don't think I'm going to see this in my lifetime though (I'm in my 40's).
by lqstuart | 2026-01-29 11:25:58+00:00
The only problem here is that "going from an F to a C in mental health" is vastly different than "going from a C to an A." It's very well known and well documented that antidepressants have very little effect on mild depression compared to say, exercise, but that F grade of depression tends to be a different beast with different causes.

That's not to suggest that exercise etc isn't great, just that society has come a long way in destigmatizing mental health and just being like "oh just take fish oil" to someone dealing with that kind of depression, either through shitty genes or childhood trauma or whatever, can be really harmful.
by moritzwarhier | 2026-01-29 11:26:27+00:00
According to the internet, it is way higher, probably over 9000.

Edit because the comment might be to shallow for HN: I sympathize with the struggle against depression and, after first-hand experience, share the skepticism against the widespread prescription of antidepressants and the methods of evidence presented for it.

Very serious and important topic.

Regarding Vitamin D, I am also supplementing in the Winter, but I have not read the article, which says it has an estimated reading time > 10min. I use one 1000IE (0.025mg according to the package) tablet a day max.

I'll bookmark this discussion page to read TFA later maybe.
by krzyk | 2026-01-29 11:26:42+00:00
> Teslas I've been in didn't seem to have great design or build quality

Design is subjective (I like it), and build quality. Not sure, I don't have issues with mine except one where after 2 years frunk latch started failing. It was replaced in an hour when I went to service center.

Teslas are the cheapest EV for the features offered in Europe. I would gladly buy another car, but they are either more pricey, or lack features. (I did market research 2 years ago when I was buying Model Y, the closest one was ICE - RAV4 for similar price, but I didn't want ICE).
by nayroclade | 2026-01-29 11:27:05+00:00
The meta-analysis cited in the article is from 2024 and specifically mentions the Shaffer et al. 2014 review cited by Wikipedia as being low quality:

> Some of the available reviews, owing to the limited number of trials and methodological biases, were of low quality (Anglin et al., 2013; Cheng et al., 2020; Li et al., 2014; Shaffer et al., 2014).

https://pmc.ncbi.nlm.nih.gov/articles/PMC11650176/
by morpheuskafka | 2026-01-29 11:27:06+00:00
The number is only checked at login, and after that you can now create a WebAuthn passkey (iCloud Keychain/Google Passwords synced to your next phone) for future sign-ins so it's actually only needed for first sign up. So just get a prepaid SIM or eSIM and make another account unless your business is so large that tons of people know your number.
by qsort | 2026-01-29 11:28:53+00:00
In the overwhelming majority of situations including almost the totality of those you care about in practice, it's trivial to say "draw" or "no draw". I mean "technically correct" in this sense: imagine you're a programmer writing a chess game. At some point, you have to write a function "isPositionDrawn()" that takes as input a board position and says "true" if the game is over as a draw, false otherwise. What do you do?

- Trivial material checks don't work: even if you're sophisticated (light color vs. dark color bishops) there exist positions, even with pawns, that are drawn as per the rule as stated.

- Enumerating the game tree is obviously correct but it's too large to do in practice, we want an answer before the heat death of the universe.

So, what code do you put inside that function? If I'm not mistaken there is an "official" algorithm to do it, but it's very complicated, and in practice in computer chess a simplified version of the rule (a list of cases with "insufficient material") is used.

Again, it's mostly nerdy navel gazing, the consequences on actual play are minuscule, but it's interesting that many games have nontrivial termination if we follow the letter of the rules.
by lizzylot | 2026-01-29 11:29:48+00:00
For simple SPI displays it's the transfer bandwidth that dominates, so for best performance you wanna minimize the number of pixels you need to send.
So for eaxmple: if you wanna draw a 100 pixel long horizontal line, if you ever send more than 100 pixels of data you're not gonna hit the speed of light.
And if you wanna draw an angled line you're gonna have to do something like bresenham and pixel by pixel because drawing NxN blocks for a 45 degree line would be insane.
by amai | 2026-01-29 11:30:15+00:00
Coincidence?
"Vitamin D is currently the only Essential Vitamin or Mineral which appears to have deficiency rates at a similar level to Magnesium"

https://examine.com/supplements/magnesium/research/#nutrient

Dai (2018): Magnesium status and supplementation influence vitamin D status and metabolism: results from a randomized trial https://pubmed.ncbi.nlm.nih.gov/30541089/ "Our findings suggest that optimal magnesium status may be important for optimizing 25(OH)D status. "

So it might well be that general deficiency in Vitamin D is caused by the deficiency in magnesium status. This would also be an explanation why we see Vitamin D deficiency in sunny Africa: https://theconversation.com/think-vitamin-d-deficiency-is-no...
by stevefan1999 | 2026-01-29 11:30:24+00:00
Already kind of failing me at doing thing in the best practices of Rust. Coding agents, even Opus 4.5 I'm using, tends to split into function when you can put that under an impl Into or TryInto, or just put that into impl member, not `pub fn do_this(user: &User)` but instead `User::do_this(&self)`

I always have to tell the agent to use functional iterators and itertools all the time but it still prefers to use primitive for loop and push into a mutable array. Not that it doesn't get the thing done but please when you can iter collect why can't you use them

It also lacks the ability to use high level data structure such as bit vector and matrices. I doubt they could use even harder stuff such as B+ tree, red black tree or Fibonacci heap...

In my experimentation in building vibewasm, a wasm engine using a binding that I wrote the low layer of sljit manually, and I instructed Opus 4.5 to build a wasm engine out of it, and take in designs from other wasm engine that is based on sljit but in C or C++...pwart and walrus to be specific

I have a specific case on the use of bit vector, at least for Opus, it always tend to use hash/btree set for this.

I have to explicitly explain and tell Opus that the way you are marking the register can be represented as a bit vector, because the number of registers are bounded (15) and bit vectors will have an ultimate space save. But a next refactor attempt to rewrite the SSA layer into RTL (register transfer language that targets sljit), the same mistake happened again. It turns out my prompt of following previous design didn't work, or Opus simply just couldn't justify that bit vector is the best despite user requirements.

I have to revert that change and do it myself.
by canucker2016 | 2026-01-29 11:30:35+00:00
Grind the flaxseed before eating them so your digestive system can access more of the nutrients in flaxseeds.

from https://www.bhf.org.uk/informationsupport/heart-matters-maga... :

Eating ground flax seeds gives you more benefits than whole seeds, as whole seeds remain undigested and pass through the system.

from https://www.peoplespharmacy.com/articles/must-you-grind-flax...

Most people can’t chew flaxseeds effectively, so they grind them first or swallow them whole. (They are tiny.) Nutrition experts do recommend grinding them first to release the fiber and the beneficial fatty acids. Flaxseeds are helpful for constipation and may lower cholesterol as well.

Ground flaxseed goes rancid easily, however, so it should be kept in the freezer until you are ready to use it. If you buy it ground, you wouldn’t have to use the blender or coffee grinder to break those seeds up before you have breakfast.
by blitzar | 2026-01-29 11:31:01+00:00
Suppose both microcontrollers will be out of date in a week and replaced by far more capable microcontrollers.

The long view is to see the microcontroller as a commodity piece of hardware that is rapidly changing. Now is not the time to go all in on betamax and take 10 years leases on physical blockbuster stores when streaming is 2 weeks away.

Ai is possibly the most open technological advance I have experienced - there is no excuse, this time, for skilled operators to be stuck for decades with AWS or some other propriety blend of vendor lock-in.
by zelphirkalt | 2026-01-29 11:31:32+00:00
So? What's your claim here? Are you claiming that our skin works the same way as our digestive system? That would be a ridiculous claim. And fyi, many people get a proper sunburn, if they stayed in the sun for 30 min straight without protection, at least in summer. So your 30 min statistic doesn't really tell us anything about something being healthy or not.
by samuelknight | 2026-01-29 11:31:37+00:00
Open models have been about 6 to 9 months behind frontier models, and this has been the case since 2024. That is a very long time for this technology at it's current rate of development. If fast takeoff theory is right, this should widen (although with Kimi K2.5 it might have actually shortened).

If we consider what typically happens with other technologies, we would expect open models to match others on general intelligence benchmarks in time. Sort of like how every brand of battery-powered drill you find at the store is very similar, despite being head and shoulders better than the best drill from 25 years ago.
by Topfi | 2026-01-29 11:31:47+00:00
There are many providers (Fireworks, Groq, Cerebras, Google Vertex), some using rather common hardware from Nvidia, etc., others their own solutions focused solely on high throughput inference. They often tend to be faster, cheaper and/or more reliable than what the lab that trained the model is charging [0], simply because there is some competition, unlike with US frontier models which at best can be hosted by Azure, AWS or GCloud at the same price as the first party.

[0] https://openrouter.ai/moonshotai/kimi-k2-thinking
by tialaramex | 2026-01-29 11:31:47+00:00
I understand why this was frustrating, but the problem is that what you wanted conflicts with the game design. Random drafting is crucial to Blue Prince's design - which means early on when you have few resources and no knowledge you won't be able to "focus my attention" because the draft will override your preferences. This isn't an issue for a late game player, but of course you can't get there.

FWIW while I enjoyed watching other people play Outer Wilds, I found the fine control needed too frustrating. I might decide to investigate part of Brittle Hollow, travel there, fall into the hole, painstakingly get back, fall in again, reset, new day. That's exactly the same frustration you had, but for a different reason and as a result I was often unable to tell which of three things was true:

1. That cannot be done, it's an important fact about Outer Wilds, a revelation

2. I can't do that, I'm incompetent. Sucks to be me. Maybe try again?

3. That cannot be done, whoops, game engine limitation, unimportant.

I never had this in Blue Prince and so I was much better able to enjoy both the game itself and watching others play after I was done (Atelier etc.)
by ErroneousBosh | 2026-01-29 11:31:49+00:00
Do you want a nice Juno? https://gjcp.net/plugins/peacock/

Early stages. No built-in presets, like you even need or want that right now.

Note that until later today when I get around to another build and updating the packages on that site you find that the CLAP and VST3 ones don't always play at the correct pitch because those formats initially lie to the plugin about the sample rate. If you stick to 44100 all will be fine.

Full source is available, patches in both senses of the term welcome. It's been tested on Ardour, Bitwig, and Reaper on Linux, and Reaper on Mac OSX and Windows.
by rob74 | 2026-01-29 11:31:53+00:00
I'd say that in the case of Patreon, any fee for Apple is unjustified. Apple can justify their fee on app purchases/subscriptions in the app store, but Patreon is not an app subscription, the money goes mostly from the patrons to the people they support. Ok, Patreon takes a cut to cover their operating costs, and also make a profit (not sure how profitable they are currently), but I really can't see how Apple, who don't have anything to do with this process except for listing the Patreon app on the app store, can justify taking a cut.
by morpheuskafka | 2026-01-29 11:32:02+00:00
Yeah, which is ironic given that it is not E2EE (unless specifically opted in for a private chat, and even then some would argue the MTProto crypto isn't good enough, although those people wouldn't trust WhatsApp ether). WhatsApp is overwhelming associated with legitimate (though in many countries, primarily overseas) users, and Telegram is somewhat associated with shady activities.

That said, Telegram is likely a lot more open for a business type that is legal but still regulated or illegal in some countries (legalized/unregulated substances, tobacco/e-cigarettes, adult content, etc.), probably less worried of random bans/demonetization.

Despite not being E2EE, Telegram also seems to have higher usage in censored countries (Russia and Iran etc). Once a Russian guy in Korea randomly asked if I had Telegram wanting me to take a picture for him since his phone was dead -- obviously had no idea that sounded like a massive scam flag to most Western users.
by lisdexan | 2026-01-29 11:32:42+00:00
>Uber, lyft, regular taxis

Waymo is already there, just needs to scale and they are already cooperating with Uber.

>public transit

Unless Musk develops the shrink ray it will never compete with actual high throughput public transit, for the same reason if jets flew themselves we wouldn't commute by air. The cost of drivers per fare is less than in a private car, so the benefits for a bus are lesser. Modern metros are already autonomous.
by smallerfish | 2026-01-29 11:32:54+00:00
To my understanding Vitamin D is regularly underdosed. Several points:

1) There are lots of studies that correlate Vitamin D production with sunlight exposure. For example, https://pubmed.ncbi.nlm.nih.gov/20398766/ this one lands on 1/4 of a MED = 1000 IU. Of course now we have a MED definition problem, but we're roughly talking single digit numbers for a white person in midday sun in NYC to reach 1/4 of a MED.

2) If you also supplement with Magnesium, a lot of your side effects go away. Vitamin D3 depletes Magnesium absorption.
We Eliminated Local Execution on User Devices – By Architecture
by MOHDLZE | 2026-01-29 11:33:16+00:00
We Didn’t Secure Local Execution. We Eliminated It.

Most systems still assume this premise is unavoidable:
User devices must execute code.

Everything else follows from that assumption:
sandboxes, secure enclaves, SDKs, hardening, policies.

We rejected the premise itself.

Execution is not a feature.
Execution is the attack surface.

So we removed local execution from user devices — architecturally.

No runtime.
No SDK.
No application logic.
No execution state.

The device becomes a User Gateway only:
• captures raw input (touch, text, voice, camera)
• renders non-executable interface data
• produces cryptographic proof that zero local execution occurred

All execution happens 100% inside the cloud.

If execution does not traverse a sovereign execution path,
it is treated as non-existent — not denied, not blocked, not sandboxed.
It simply does not exist.

This is not:
• Remote Desktop
• Secure Execution
• Trusted Enclaves
• Policy Enforcement

All of those still assume local execution must exist.

We removed that assumption.

What this enables (as a consequence, not a goal):
• A Cloud Store with no app downloads
• A Cloud Wallet with no cards or keys on the device
• Provable execution sovereignty for banks, governments, and regulated systems

Covered by a filed U.S. patent application.

Open question for discussion:
If execution is the real attack surface,
why do we still allow it to exist on user devices at all?
by gsf_emergency_6 | 2026-01-29 11:33:37+00:00
Post-Schismatic

"Abundance gospel"

Haven't looked into it, EAB must (=wild conjecture) have felt solidarity with commie-slavs (still Orthodox in outlook) > Catalonians > UK upper-mid converts?

This other low-upper-mid (for Palo Alto?) Franco

https://en.wikipedia.org/wiki/James_Franco#Early_life

https://youtube.com/shorts/A5_mGha27H4
by lesserknowndan | 2026-01-29 11:34:44+00:00
Do you have a spare computer that you can load up with RAM so that you can try out some available models? It may not be fast, but it will give you an idea of how capable the models are.

I have been running some local models on LMStudio using an AMD 5950XT with 128 GB Ram (until recently with no GPU offloading). My two cents is that I keep reaching for my free ChatCPT account because I find the local models fairly unreliable.

Some just seem to get into a thinking loop where they go over the same ground again and again. Others can just output pure garbage.

Would anyone here suggest any specific models.
Especially for Swift/SwiftUI. PHP. And MySQL Stored Procedures.
by sschueller | 2026-01-29 11:35:12+00:00
If you don't have an underlying condition it is way better to get the Vitamin D from the sun in 10-30min increments per day after which you are saturated for the day. Overdose is not possible via the sun (excluding sun burns of course).

> A single, optimal sun exposure session might produce the equivalent of 10,000 to 25,000 IU from a supplement, but it will not keep increasing with more time in the sun. That's your max per session.
by codingdave | 2026-01-29 11:36:25+00:00
> Is “you don’t really understand the code, so it’ll hurt you later” still a meaningful criticism?

That is one of the strongest valid criticisms. Even if we ignore the possibility that the code that is vibed will be buggy and insecure, the real long-term problem is not having someone who understands the system. Almost every well maintained app has one or more people who grok the whole thing, who can hear a problem described and know right where the fix will be. They'll have a mental model of the whole system and can advise on architecture changes and other refactors. They can help teach the codebase to new folks. And most importantly, when an outage happens, they are the ones who quickly get you back up and running.

The lack of those people is why legacy systems are brittle and hard to maintain, so vibe coding a complex app puts you directly into that painful legacy maintenance mode.

One thought people are starting to throw out there is, "But the AI can just re-write the whole app every time we have a bug, so we never need to know things to that level." But those people have never worked with a customer base who gets ticked off when the same bugs re-appear on every release, or when a dozen small UI changes shows up on every release.

Vibe coding might give you some working code. But working code is an astoundingly low bar to set for actually building a product that pleases a customer base.
by morpheuskafka | 2026-01-29 11:37:01+00:00
And is Vance or Trump watching Flightradar24 in their free time? And if they did, would they even get mad at this and not find it funny? And if they did get mad at it, would they do anything at all? If they did something, would it be anything desirable or just trying to retaliate at whoever drew this?