1 credit = $1 USD, always. Every credit price shows its dollar equivalent, so rank is honestly what you pay. Buy a pack once, then bid instantly — no checkout per bid. Bids are spend and non-refundable. Credits are account-bound and non-transferable.
| Pack | You get | Bonus | |
|---|---|---|---|
| Starter | 100 credits ($100) | — | |
| Growth | 550 credits ($500) | +50 bonus | |
| Whale | 1,200 credits ($1,000) | +200 bonus |
Bigger packs bundle bonus credits — the incentive for buying upfront. Staging: checkout is not wired up, so buying returns a quote only (HTTP 501).
100% of every bid's charge is automatically minted as ad credits for YOUR business when you bid. Spend them on our media inventory at /ads: featured directory placement, homepage takeover, Nia UGC clips, SEO-tool sidebar slots, /news/ sponsorships, quotes-page boosts. Your ad-credit balance is shown alongside your credit balance above; placements, the rate card, and the ROI dashboard all live at /ads. Ad credits are account-bound, non-transferable, non-refundable, and never expire.
When your balance drops below your threshold, automatically top up with your chosen pack. Webhook-driven at launch; toggle off anytime to cancel.
One call deducts your balance and updates your rank. No checkout, no waiting — built for counter-bid wars.
Staging only: grants a pack as demo funds — no real payment is processed. Runs the exact applyPackPurchase() path the production Polar webhook calls, so balances, bonuses, and ledger rows are verified for real.