Financial Architecture v1.0

Transparent
Operational Economics.

No hidden layers. No complex calculations. Grafty uses a goal-driven credit economy designed for serious business operators who value structure over shortcuts.

Chapter 01

Understanding
Credit Economics.

WhatsApp Business Platform uses 'Conversation-Based Pricing'. Grafty simplifies this using a unified Credit Economy.

1.1 The 24-Hour Window

A 'Conversation' is a 24-hour window that starts when the first message is delivered. During this window, any number of messages can be exchanged between the business and the user for a single fee.

1.2 Conversation Categories

    Marketing

    Promotions, offers, or any message that isn't Utility or Authentication.

    Highest Credit Usage

    Utility

    Direct transaction updates, shipping alerts, or billing information.

    Medium Credit Usage

    Authentication

    One-time passwords (OTPs) for login or verification.

    Low Credit Usage

    Service

    Replies to user-initiated messages within a 24-hour window.

    Free (First 1,000 / mo)

1.3 Auto-Deduction Logic

Grafty's engine automatically detects the category of your template and deducts credits from your wallet in real-time. Full ledger visibility is provided for every single deduction.

LEDGER

Real-time Cost Ledger

Inside your Grafty dashboard, every conversation is logged with atomic precision. We verify costs directly with Meta's pricing manifest.

Meta Category: Marketing- 0.82 Credits
Meta Category: Utility- 0.35 Credits
Service Window0.00 Credits
Remaining Wallet Balance24,192

GST & Compliance Billing

Grafty is built for high-authority businesses. Every recharge generates an automated GST-compliant invoice. You can download these instantly from your 'Billing' tab for tax reconciliation.

Scaling & Upgrades

You can upgrade your infrastructure node at any time. Credits are never lost during an upgrade; they are simply moved to your new tier ledger. No downtime during scaling.

Billing Directives.

? What happens if I run out of credits?

Your automated flows will pause instantly. We recommend setting up 'Low Balance Alerts' to recharge before depletion. Your wallet balance is visible 24/7.

? Do unused credits expire?

Credits remain valid for 12 months from the date of recharge, provided your infrastructure subscription is active.

? Is the Meta fee separate?

Yes. Meta conversation fees are billed separately based on actual consumption. Users can either pay Meta directly connecting their own card, or recharge Grafty credits to cover charges automatically.

? Can I get a refund for a recharge?

Per our governance policy, recharges are non-refundable as they involve immediate allocation of WABA resources. We recommend starting with a small recharge to test your flows.