Usage-metered underwriting AI — the machine-to-machine model
Machine-to-machine callers pay per successful agent transaction — no seats, no platform fee, settled via Delegare. Human users run the same agents on flat monthly analyst tiers with unlimited usage.
Usage-metered underwriting AI
Usage-metered underwriting AI is a pricing model that lets autonomous agents access institutional-grade underwriting capabilities on a pay-per-transaction basis, rather than through a large annual software license or per-seat subscription. At SecureLend it is the machine-to-machine (M2M) path: an agent calls the underwriting tools directly over the API and pays for each successful call.
Humans buy differently — see Two ways to run the agents below.
The "Agentic" Unit of Cost
For M2M/API callers, SecureLend prices each underwriting agent by the specific job it performs:
- Pitch Deck Pre-check: $0.50 per check
- Document Intelligence: $0.06 per page
- Data Extraction: $0.15–$0.25 per page
- IC/Credit Memo: $4.99 per draft
Two ways to run the agents
The same agents are sold two ways, for two kinds of buyer:
- Machine-to-machine (metered). An autonomous agent calling the API pays per successful transaction — the per-unit rates above — authorized and settled through Delegare. No seats, no minimum, $0.00 in a month with no calls.
- Human, through the app (tiered). A person working in the SecureLend app, Slack, Claude, or ChatGPT runs the same agents on a flat monthly analyst tier — Junior $500/mo, Analyst $1,500/mo, Senior $3,000/mo — with unlimited runs and no per-page metering. You hire the seniority; the volume is uncapped. See pricing.
The engine and the accuracy are identical on both paths. The meter is for machines; the tier is for people.
Why the metered model wins for agents
For autonomous M2M workloads, deal flow is cyclical and a SaaS seat would force payment for peak capacity every month. Per-transaction pricing aligns cost with activity:
- Low Risk: Test a new workflow for less than $10.00.
- Infinite Scalability: Process 1,000 documents tomorrow without asking for seat licenses.
- No Dead Cost: If an agent has a slow month with no calls, that M2M bill is $0.00.
Powered by Delegare
All metered M2M transactions are authorized and settled via Delegare, our trustless payment authorization layer. This allows agents to pay for their own infrastructure costs autonomously within your pre-approved budget. (Human tier subscriptions are billed as a normal monthly plan, not per transaction.)
Related
Implementation Guide
Ready to see how Usage-metered underwriting AI — the machine-to-machine model works in production? Explore our product documentation or start a controlled pilot.