AI app for finance · no coding needed
Micro-Payment Aggregation Engine
A payment rail that makes sub-cent transactions profitable by pooling intents and verifying content at near-zero cost.
Made for: Independent publishers and newsletter writers charging per article or recipe
What it does for you
The problem
Sub-cent transactions die on card fees, so creators cannot sell individual articles or recipes.
What it gives you
Aggregated micropayment settlements with verified content checks
What you give it
Reader purchase intentcontent URLscreator bank details
How it works, step by step
- Capture voice or click payment intents under 50 cents
- Pool intents into secure batches
- Run content originality checks per URL
- Flag devices with chargeback history
- Settle aggregated transfers to creators
- Deduct fees and show net payouts
What you see on screen
- Payment pool
- content verification queue
- settlement dashboard
Build it yourself with your AI system
Build this app yourself, no coding needed
Start with a quick version you can try in a few minutes. Like it? Then build the full app by copying and pasting our step-by-step instructions: everything is prepared for you.
Sign in to see how to build it yourself
Build a quick version to try, or get the full app pack for Micro-Payment Aggregation Engine with the step-by-step building instructions. You don't need any technical skills: you copy, paste and answer a few questions. Both are included in the membership.
4 Have it built for you days to a few weeks
Rather not do it yourself, or want it fully tailored to your data, your way of working and your brand? Nexibeo builds Micro-Payment Aggregation Engine with you.
What's in the app pack
Included in the Complete AI Training membership.
- The building instructions your AI follows, step by step
- The questions your AI will ask you about your business before it starts
- A clickable demo you can open in your browser, to see how it should work
- A detailed blueprint of the screens, the information it keeps and the checks it runs
Become a member to get the app packAlready a member? Sign in
The files, for the technically curious
- START-HERE.mdHow to build it with your own AI (read first)3 KB
- README.mdOverview and links1 KB
- questions.mdQuestions to answer before you build2 KB
- prompt-cloudflare.mdThe full build prompt, hosted on Cloudflare19 KB
- prompt-vps.mdThe same build on your own server (Docker)19 KB
- spec.jsonData model, API, AI pipeline, acceptance criteria10 KB
- demo/index.htmlThe working demo on sample data195 KB
Questions
Do I need to know how to code?
No. You copy and paste the prompts on this page into ChatGPT or Claude, and the AI does the building. When it asks you something, you answer in your own words.
What does it cost?
The quick version, the app pack and the step-by-step instructions are for members: you pay the membership price, not a price per app (see the plans). Building the full app uses your own ChatGPT or Claude subscription. Putting it online is often cheap or no cost at the start, and your AI tells you before anything costs money.
How long does it take?
The quick version: about two minutes. The real app: an afternoon for a first version you can use, longer if you want every feature.
Can I change it to fit my business?
Yes. Tell your AI what to change in plain words, like “add a column for the price” or “use our logo and colours”. Or have Nexibeo build and customise it for you.
More detailsHow the AI works, safeguards and what to build first
For independent publishers and newsletter writers, turn reader purchase intent and content URLs into aggregated micropayment settlements with verified content checks. Address the recurring problem: sub-cent transactions die on card fees, so creators cannot sell individual articles or recipes. The value hypothesis is a viable low-value payment rail with fraud protection; the pilot must establish whether readers will actually say 'pay' and whether aggregation holds up.
Reader expresses intent, system pools the amount, AI scans the content for plagiarism, device risk is checked, batch settles, fees are deducted, and creator receives payout. Start with reader purchase intent and content URLs and finish with aggregated micropayment settlements with verified content checks.
How the AI works
Use language models to scan pages for originality and spam in milliseconds, and risk models to flag chargeback-prone devices. A human operator reviews flagged content and disputed transactions before any payout is released.
Safeguards
Limit individual payments to under 50 cents, require voice or click confirmation, block flagged devices, and never release funds without content verification. Must not process payments over 50 cents without switching to the flat fee model.
What to build first
One buyer: independent food bloggers. One use case: per-recipe payments. First two modules: payment pool and content verification. Manual review of all flagged content before settlement.
What it can connect to
Stripe or bank APIs for settlement, WordPress and Substack for content URLs, and browser extension for voice capture.
The screens in detail
Use a live feed of pending micro-intents with amounts and source URLs, a verification panel showing originality and fraud flags, and a settlement view with batch transfers and per-creator payouts. Let operators drill into any pooled transaction. Display pool balance, pending checks and settlement history. In this product, the first view is payment pool, followed by content verification queue and settlement dashboard.
