Payment architecture / v1.0

How the money moves, start to finish

You keep your own Stripe account. Your students pay you. Stripe automatically sends Kolby its share. Kolby runs the AI Clone and keeps track of the running costs.

Owner
The coach
Payment rail
Stripe Connect
Revenue split
80% Coach / 20% Kolby
Activation
Automatic after purchase confirmation
You, the coach
Kolby
Your student
Stripe / automated
Part 01 / Setup

Setting up — you only do this once

01 / COACH

Open your Stripe account

Stripe is the company that collects card payments. You make your own account and link it to your own bank account.

It is your account. Nobody else can touch it.
02 / STRIPE

Turn on Stripe Connect

Inside your Stripe account you switch on a tool called Stripe Connect and link Kolby to it. This is the pipe that sends Kolby its share by itself.

Kolby tests it with a practice purchase before any student pays.
03 / COACH

Put your AI Clone up for sale

You decide the price and how people pay you.

Your priceMonthlyYearlyPayment linksPromo codesSpecial offers
Change any of it whenever you want, without asking Kolby.
Part 02 / Purchase

A student buys — what happens in those few seconds

04

Your student clicks your payment link and pays

The money goes into your Stripe account. The student is your customer, not Kolby's.

Student pays
$200
05

Stripe Connect splits the payment right away

Nobody has to move money by hand. No invoice to pay Kolby. No check to write at the end of the month.

80%
stays with you
$160
20%
goes to Kolby
$40
06

Kolby gets a message that the purchase happened

Stripe tells Kolby's system the moment the payment goes through. The message includes:

Who boughtWhich coachWhat they boughtAmount chargedPayment statusStudent account
07

The student's AI Clone switches on

Kolby turns on access as soon as the purchase is confirmed. The student can start using it.

Access / active
Part 03 / COGS

Every month — the running costs get settled

08 / KOLBY

Students use the Clone

Using the Clone costs real money: the AI itself, phone calls, turning speech into text, and other services that keep it running. These are called COGS — the cost of running the thing.

09 / KOLBY

Kolby keeps the tally

All month long, Kolby tracks how much your students used and what it cost.

You never have to add this up yourself.
10 / COACH

One bill at month-end

Kolby adds up the month, sends you a statement, and bills you for your 80% of the costs. Kolby covers the other 20%.

Example month
Total running costs
$1,000
Your share — 80%
$800
Kolby absorbs — 20%
$200
Part 04 / Refunds

If a student wants their money back

01 / YOU

You give the refund

The student paid you, so you decide, and you refund them inside your own Stripe account.

02 / YOU → KOLBY

You send Kolby the cancellation

Kolby needs to know so the student stops having access.

03 / KOLBY

Access is switched off

Kolby removes the student's Clone so it stops running up costs.

Reconciliation

If Kolby already received 20% of a payment that you later refund, that 20% is owed back to you. Every refund is matched to the original sale so both sides can see exactly what is owed.

Ownership / Roles

You run your business. Kolby runs the AI Clone.

You control
Your Stripe account
Products and pricing
Payment links
Monthly or yearly plans
Discounts and promo codes
Customer payments
Refund decisions
Your bank payouts
Kolby handles
The AI Clone platform
Turning students on
Purchase notifications
Usage tracking
Cost calculation
Receiving its 20%
Turning students off
Monthly reconciliation
The whole thing in one line each
You own the Stripe account.
Your students pay you.
You set the prices and offers.
Stripe sends Kolby 20% automatically.
Kolby tracks the running costs.
You pay 80% of those costs monthly.
You decide on refunds.
Kolby never becomes your billing department.
Before students onboard, we test it together
Create a payment link on the coach's Stripe Complete a real purchase Confirm the 80 / 20 split Confirm the purchase data arrives Test a subscription renewal Run a mock month-end settlement
Book a setup call

Payment set:Simple breakdown

The whole thing in four steps

Student
You
Kolby
01

A student pays you.

Student pays
$200
→
Lands in
Your Stripe account
Stripe splits it automatically:
$160
stays with you · 80%
$40
to Kolby · 20%
No invoice. No check to write. It just happens.
02

The AI Clone turns on.

Kolby gets a ping the moment someone buys.
→
Clone is on
The student can start using it right away.
03

Once a month, one bill for the running costs.

Using the Clone costs money — AI, calls, transcripts. Kolby counts it all month, then splits it the same way.
One month of costs
$1,000
$800
you pay · 80%
$200
Kolby pays · 20%
Kolby does the math and sends you one statement.
04

If someone wants their money back.

1. You refund them
Your Stripe, your call.
→
2. You tell Kolby
One message.
→
3. Clone goes off
No more costs.
Kolby already took 20% of that sale, so Kolby gives that part back to you.
You sell it. Stripe splits it. Kolby runs it.

The Flow Chart

Less words, more visual.
Coach
Kolby
The sale
Student pays
80% · Stripe
80% to coach’s bank
20% · Stripe Connect
20% to Kolby’s bank
The monthly costs
COGS
80% · coach pays
80% withdrawn from coach’s acct
20% · Kolby pays
Full refunds
Full refund
100% of Stripe Connect payment returned by Kolby
20% of payment ACH back to coach’s acct