Wallet & billing
The wallet is what funds platform-routed calls — requests to providers you haven't connected your own key for. It plays no part in BYOK calls at all.
Topping up
Top-ups go through Stripe Checkout from the Wallet page. The fee is quoted on top of what you ask for, not deducted from it — request $10 and you're charged $10 plus a service fee (4.5% of the amount, with a small minimum, by default), but the full $10 lands in your wallet balance. The minimum top-up is $1 by default.
How debits work
No markup is applied per call — that's taken once, at top-up. Every platform-routed request debits your wallet the real, raw provider cost for the tokens used, after the response completes (not reserved up front). BYOK calls skip this entirely: your own provider account is billed instead, and the debit never happens.
Freezing
The balance check is a soft cap, not a hard reservation — under concurrent requests a wallet can dip slightly negative (to a small floor, by default around -$5) before it freezes. Once frozen, every further platform-routed call returns 402 until you top up; BYOK calls are unaffected either way. The pre-flight balance check itself fails open on a cache or database outage — an infrastructure hiccup blocks a bill, not your traffic.
BYOK and the wallet
Wallet balance is checked and debited only for calls served by Mizan's platform credentials. A connected BYOK provider never touches the wallet — a frozen or empty wallet still won't stop calls to a provider you've connected your own key for.