Instant Payout in Creem Wallet so we can top-up API Credits for customer
A Creem Wallet + Virtual Card tied directly to the merchant balance.
The idea would be:
Keep available Creem funds inside a Wallet instead of requiring an immediate bank payout.
Allow merchants to create a Creem Virtual Card funded by their available Wallet balance.
Use that virtual card to pay for business expenses on third-party services — especially API credits, cloud services, AI providers, hosting, and other SaaS tools.
Support instant or automatic funding of the virtual card from the Wallet.
Let merchants set spending limits, freeze/unfreeze cards, and optionally create separate virtual cards for different services.
Clearly separate pending, available, and card-spendable balances.
Keep the option to withdraw remaining funds to a linked bank account normally.
For businesses that receive customer payments through Creem and then immediately need to spend part of that revenue on infrastructure or external APIs, this would remove the unnecessary flow of:
Creem → bank payout → bank/card → third-party API credits
Instead, available revenue could be reused directly through the Creem Virtual Card, making cash flow significantly faster and more useful for businesses with high infrastructure costs.
