Why Create?

Many products are developed and launched with no clear way of making money. The services that often have the best path to success are usually the ones like Uber and AirBnB that are already developed with a revenue stream in place.

Building a revenue stream that is unique and competitive can be very difficult. Many startups try to put it off because it takes so much time to develop and is difficult to change. That’s why we’ve built this framework.

Instead of just throwing in ads or payments and hoping it works, you can add code modules for betting, subscriptions, commissions, a marketplace, etc. If it doesn’t work you can quickly change it to one of the other templates and deploy it fast. Now you can A/B test your revenue streams the same way you A/B test your product.

Using Nectr-cli and NectrCreate you can code, deploy, test, and refine your revenue model quickly and effectively.

Monetization As A Service (MaaS)

NectrCreate is a MaaS framework that let’s you quickly code financial modules so that you can generate revenue from your products and services. It’s a combination of the Nectr-Cli and NectrCreate API.

Nectr-cli is the Node.js generator for the command line. It’s a simple way to quickly generate financial templates within moments.

You can start out with different templates for a marketplace, subscription service, betting, etc. Instead of slowly putting together different APIs for payments, accounting, betting, banking, Nectr-cli lets you scaffold the template and integrate those services on the fly.

NectrCreate is our web API. It allows you to easily deploy any apps you’ve created with Nectr-cli or to quickly add our framework to your existing web services.

What Twillio allows you to do for cloud messaging, NectrCreate allows you to do for monetization.

Example Templates:

* Subscription   * Marketplace   * Pay-As-You-Go   * Renting
* Microfinance   * Betting       * Donation        * Investment
* Crowdfunding   * Payments      * Loan            * Name your price

Getting Started

Our API follows one simple mantra "Everything is a pool".
Using this model you can develop financial services that are currency agnostic and work anywhere your customers go.

Our rules engine allows you to tailor your business model to different customers. You no longer have to delay launching your service in different markets or segments to meet the cultural and commercial demands of those customers. You can quickly tap into new markets using simple and easy-to-use configurations.


Nectr-cli uses NPM to make installation simple. Obviously make sure you have the latest version of Node.js and NPM installed. Enter this command into your terminal to start installing:

<sudo> npm install -g nectr-cli

Create Project

Once you’ve installed the cli, creating a new nectr project or code module is easy:

nectr create <my-app>

nectr create <my-app> --module


Nectr-cli also uses npm to generate code for the different monetization templates and to install any dependencies. To set this up for your new project or in an existing project just enter:

<sudo> npm install


Once everything is setup you can run the Nectr code as a new project or just a module. This code comes with all the API calls setup and ready to go. To run the code as the default project run:

nectr serve

API Endpoints

Nectr-cli is similar to the Bitcoin cli. You can use Nectr-cli to experiment and make calls to our rules engine and then deploy your app using our API, NectrCreate. The main endpoint for NectrCreate is:

You may just be looking to make direct calls without having to change much of your existing code. Here is a complete list of endpoints for you to get started right away.

Method Endpoint Description
GET /my/pool/ Retrieves all pools for current user
GET /my/friends Retrieves all friends for current user
GET /my/cards Retrieves all linked money accounts for current user
GET /my/pool/:id Retrieves specified pool information for current user
POST /my/pool/:id Deposits funds into a pool
POST /my/pool/ Creates a new pool
DELETE /my/pool/:id Withdraws funds from a pool
DELETE /my/pool/:id Deactivates an existing pool

How Pools work

We’ve created our framework to be really flexible. Using pools provides the ability to create an undefined escrow type account. What makes pools powerful is their variability.

Unlike a bank account they can be created, modified, or destroyed at any time, allowing them to be temporary or long term. Here are some of the properties of a pool:

Property Example Description
id “xyz123” Unique identifier for a pool
name “Rainy Day Funds” Pool name shown in the ui
type “personal” Pool type used to define its behaviors
amount “6.23” Number value of any size without any identifier attached
roles [“Member”] String array defining the access levels available for the pool
members [“Me”, “Lisa”] String array pool members based on the pool’s roles


Here’s a sample request and response for the current user with a specified pool:


    "id": "xyz123",
    "name": "Rainy Day Funds",
    "type": "personal",
    "amount": "6.23",
    "roles": ["Member"],
    "member": ["Me", "Lisa"]

User Accounts

To allow you to manage your users easily we’ve created user accounts as entities that extend the functionality of a pool. This allows you to develop modules that are not restricted by geography or region. Here are some properties of a user account:

Property Example Description
id “xyz123” Unique identifier for a user
name “Lisa Simpson” User name as defined by the user
location “Springfield, IL, USA” Current or home location of a user
amount “234.43” Total funds available to a user
currency “BTC” Preferred currency of the user
mates [“Nelson”, “Maggie”, “Bart”] String array of the users connections
pools [“Rainy Day Funds”, “Field Trips”] String array of the users pools

As you can see the properties of the user account fills in the blanks for a pool.

For example, instead of forcing your users to all use the same currency, i.e. the pound, you could have a pool of users that only see the funds in their national currency.

Example Scenario:

4 Users from different continents are in the same Poker pool. The same pool of funds would be calculated in real time and shown as 17419.09 Real in Brazil, 3049.99 Pounds in Britain , 293327.04 Rupees in India, and 4,321.43 dollars in the USA.

Only once the amount is withdrawn would it actually be converted into the currency of the withdrawer. A good way to remember this is to replace ‘measure twice, cut once’ with “Calculate twice, convert once”.

Pool Types & Templates

We’ve created some template behaviors defined as “pool types” that act in a certain way automatically but can be adjusted based on your needs. Here are the current pool types:


A pool with with funds that are automatically released after certain conditions are met. If there is a dispute or error the initial amount contributed by each member is returned to them.

nectr create <my app> --betting


A pool which automatically sends a request to the subscriber for a variable amount. The request is sent based on the subscription interval, i.e. daily, monthly, yearly.

nectr create <my app> --subscribe

Pay as you go

A pool which allows a variable amount to be requested based on the calculated service price. A amount request is then sent by the service provider to the subscriber at any time or at specified intervals.

nectr create <my app> --payasyougo

Peer 2 Peer

A pool which connects 2 or more members. Each member controls their portion of funds but can’t remove more than they’ve contributed unless agreed to by other members. All members have equal say in the management of the pool but can’t override an individual member’s control of their contribution.

nectr create <my app> --p2p


A pool with a percentage calculation deducted from or added to the total. Commission can be a percentage multiplier or a fixed amount per transaction or based on the total amount in the pool.

nectr create <my app> --commission


A pool with a creditor, who loans the amount, and a debtor, who borrows the amount. The loan can be increased or decreased automatically by the amounts transferred between the members. A percentage interest can be included based on the length and size of the loan.

nectr create <my app> --loan


A pool with a owner and a renter. Similar to a subscription except the owner can only request a predetermined amount every interval. The owner must send a request that a user must agree to, to allow for price increases of rent.

nectr create <my app> --renting


We wanted to make it easier for developers to monetize different parts of their apps and different features. So we added the ability to integrate other services and APIs. Here are some of the integration categories:

nectr add/remove <service>


i.e. Stripe, Quickbooks, Paypal, Square,, etc. These add-ons focus on providing run of the mill banking features like payments and accounting.

nectr list --finance


i.e. AWS, Heroku, Digital Ocean, Docker, Azure, Google Cloud, etc. These add-ons enable you host, deploy, and scale your service. You can easily use these to charge your own customers and clients to host their website or other code like

nectr list --iaas


i.e. Facebook, Twitter, LinkedIn, Github, Instagram, YouTube, etc. These add-ons enable you to identify your users and import their existing social history. You can charge clients to manage their accounts or data like

nectr list --social


i.e. Twillio, Mandrill, Google Cloud Messaging, One Signal etc. These add-ons are perfect for push notifications or mass messaging. Companies often bundle these as features into messaging add-ons like

nectr list --message


i.e. Coinbase, Coinkite, Ethereum,, etc. These add-ons allow you to take advantage of blockchain technologies without having to become an expert. There are already companies that provide exclusive market data services for cryptocurrencies like

nectr list --crypto