{
  "version": "2026-10-19-usage",
  "status": "Proposed test pricing, not live offers or verified margins",
  "currency": "IDR",
  "confidence_percent": 40,
  "period": "calendar month UTC, per verified workspace across its apps; each meter/category has its own graduated counter",
  "topup": {
    "qris_minimum": 20000,
    "bank_va_minimum": 100000,
    "qris_credit_equals_payment": true,
    "qris_cost_paid_by": "Nokumi",
    "bank_channel_fee": "Separately quoted only where permitted; no QRIS MDR surcharge",
    "credits_scope": "Nokumi services only; merchant sales proceeds remain outside this balance",
    "live": false
  },
  "tiers": {
    "payment": [
      {
        "through": 10000,
        "rate": 50
      },
      {
        "through": 100000,
        "rate": 40
      },
      {
        "through": null,
        "rate": 25
      }
    ],
    "whatsapp_utility_auth": [
      {
        "through": 10000,
        "rate": 15
      },
      {
        "through": 100000,
        "rate": 12
      },
      {
        "through": null,
        "rate": 10
      }
    ],
    "whatsapp_marketing": [
      {
        "through": 10000,
        "rate": 25
      },
      {
        "through": 100000,
        "rate": 20
      },
      {
        "through": null,
        "rate": 15
      }
    ],
    "auth": [
      {
        "through": 1000,
        "rate": 0
      },
      {
        "through": 10000,
        "rate": 10
      },
      {
        "through": 100000,
        "rate": 8
      },
      {
        "through": null,
        "rate": 5
      }
    ],
    "email": [
      {
        "through": 500,
        "rate": 0
      },
      {
        "through": 10000,
        "rate": 3
      },
      {
        "through": 100000,
        "rate": 2
      },
      {
        "through": null,
        "rate": 1
      }
    ]
  },
  "managed_compute_storage_markup_fraction": 0.05,
  "api_mcp_extra_fee": 0,
  "turnstile_nokumi_fee": 0,
  "billing_rules": {
    "payment": "One verified paid transaction with successful access handoff, keyed by workspace/app/provider/transaction; no charge for pending, failed or duplicate callbacks. Reverse Nokumi fee if the whole transaction is refunded; provider refunds follow provider terms.",
    "whatsapp": "One unique outbound message with confirmed delivered status, not merely accepted or sent; read callbacks do not bill again. No Nokumi fee on failed/undelivered messages. Any independently billable provider attempt/minimum costs must be disclosed, reserved and reconciled separately.",
    "auth": "One distinct app/user pair with qualifying auth activity in the UTC month, counted once. No per-login or token-refresh fee; OTP/SMS/WhatsApp/email and provider billing are separate. Free 1000 applies across workspace apps, not per app.",
    "email": "One unique recipient-message accepted by provider; not a guarantee of delivery or inbox placement. One retry of the same accepted send must not create a second Nokumi fee. Free 500 Nokumi fees per workspace/month.",
    "managed": "Approved provider landed costs plus the applicable Nokumi unit fee; dedicated compute/storage uses actual allocated provider cost plus 5%, with no second markup on that same cost.",
    "byo": "Provider bills customer directly; only Nokumi unit fees debit Nokumi balance. Merchant payment-provider charges are always outside this balance.",
    "reserve": "Verify top-up server-side once. Reserve an approved quote before work; reconcile final billable event, release unused holds, and prevent duplicate deductions. Low-balance handling for critical auth/payment/hosting flows requires safe design before launch.",
    "rounding": "Proposed integer-rupiah unit fees; reconcile fractional landed costs at statement level with disclosed rounding, never silently round every micro-event upward.",
    "tax": "Proposed Nokumi rates before applicable taxes; provider quotes must disclose tax, FX, category, destination, minimums and billing basis before confirmation.",
    "policy_gate": "Provider approval, applicable BI requirements, refund/expiry policy, safeguarding/reconciliation and credits classification must be resolved before accepting funds; no claim of automatic licensing exemption."
  },
  "economics": {
    "whatsapp_landed_cost_example": 500,
    "collection_reserve_fraction": 0.008,
    "collection_stress_fraction": 0.02,
    "variable_operations_per_message": 2,
    "human_hour_shadow_cost": 150000,
    "support_minutes_example": 15,
    "volumes_one_workspace": [
      10000,
      100000,
      1000000
    ],
    "provider_prefund_days": 3,
    "days_per_model_month": 30,
    "acquisition_cash_per_cohort": 2000000,
    "acquisition_founder_hours_per_cohort": 12,
    "acquisition_paid_usage_workspaces_per_cohort": 4,
    "payback_message_volume_one_workspace_month": 10000,
    "validation_budget_first_30_days": 10000000,
    "salary_included_in_validation_budget": false
  },
  "notes": [
    "All retail fees, quotas, minimum top-ups and tiers are author proposals dated 19 October 2026, not tested willingness to pay or contracted rates.",
    "Discounts apply only to units in each band, not retrospectively to all usage; each meter is separate.",
    "The 0.8% collection reserve is a modeling assumption, not a maximum QRIS tariff or a legal tax quote. The 2% case is a stress assumption.",
    "IDR 500 is an illustrative all-in provider cost for one WhatsApp message, not a Meta/BSP quote. Actual costs vary by category, country, provider, FX and tax.",
    "Top-ups are not automatically revenue. Track remaining credit liability, consumed units, provider costs and Nokumi fees separately; final principal/agent and tax treatment require review.",
    "Contribution excludes human support, fixed payroll, CAC and applicable Nokumi taxes unless explicitly shown. No LTV, MRR or net profit is asserted.",
    "Managed providers may impose fixed plans or minimums even when Nokumi has no required subscription. Do not duplicate organization quotas per app or promise free dedicated Supabase compute.",
    "Human setup/custom maintenance is separately scoped and quoted. No bundled Launch/Care subscription is part of the default usage proposal."
  ],
  "official_sources_checked_2026_10_19": [
    {
      "url": "https://midtrans.com/pricing",
      "scope": "Public collection prices; not a Nokumi contract or tax-inclusive quote"
    },
    {
      "url": "https://www.bi.go.id/id/publikasi/ruang-media/cerita-bi/Pages/mdr-qris.aspx",
      "scope": "Merchant bears QRIS MDR; no payer surcharge"
    },
    {
      "url": "https://whatsappbusiness.com/products/platform-pricing/",
      "scope": "Delivered-message billing; market and category distinctions"
    },
    {
      "url": "https://www.twilio.com/en-us/whatsapp/pricing?locale=en",
      "scope": "BSP charges and separately billable failed processing attempts"
    },
    {
      "url": "https://supabase.com/docs/guides/platform/billing-on-supabase",
      "scope": "Organization quotas and project compute"
    },
    {
      "url": "https://supabase.com/docs/guides/platform/manage-your-usage/monthly-active-users",
      "scope": "Provider MAU pricing is separate from Nokumi fee allowance"
    },
    {
      "url": "https://resend.com/pricing",
      "scope": "Email provider plans, allowances and minimums"
    },
    {
      "url": "https://www.bi.go.id/id/publikasi/peraturan/pages/pbi_102025.aspx",
      "scope": "Current payment-system framework; classification requires review"
    }
  ]
}