> ## Documentation Index
> Fetch the complete documentation index at: https://celoref.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Economics

> How PIXA makes money and how the payment model stays sustainable.

# Economics

PIXA does not need a speculative token to work.
Its business model comes from the payment rails, routing, and management layer around the wallet.

## Revenue streams

* hub routing fees on cross-chain or cross-service flows
* partner integration fees for APIs and merchants
* managed wallet subscriptions for teams
* budget, audit, and approval features for higher-trust users
* on-ramp and off-ramp facilitation where applicable

## Why this is sustainable

The value is not in a single transaction.
The value is in the control plane:

* one wallet instead of many
* one agent surface instead of many scripts and keys
* one approval story for local, hosted, or future AC2 flows
* one place to see balances, spending, and routing

That gives PIXA room to charge for convenience, control, and trust.

## Fee model

A simple fee model is easiest to explain:

1. the user funds Algorand
2. PIXA completes or routes the payment
3. the hub may retain a small routing or facilitation fee
4. managed features are billed separately

This is easier to understand than a complicated token economy.

## Why not just use a regular app

A traditional app can move money.
It does not automatically solve:

* agent identity
* session-based authority
* multichain payment routing
* hosted approvals
* cross-service discoverability

PIXA is the layer above those moving parts.

## Roadmap economics

As the system matures, the economics can move from operator-heavy execution toward more explicit on-chain or partner-based coordination.

That reduces dependency on one central backend while keeping the user experience understandable.