Top
Best
New

Posted by rvz 18 hours ago

OpenRouter is joining Stripe(openrouter.ai)
Previously: Stripe will reportedly acquire OpenRouter for $7B+ https://news.ycombinator.com/item?id=49323381
858 points | 444 commentspage 2
sidcool 17 hours ago|
Good for OpenRouter. They have a great DevEx. The $7 billion is tad high, but Stripe can afford it.
Karrot_Kream 15 hours ago||
It's a mostly equity offer. Private capital is always more risky than publicly traded shares so probably less than $7bn risk adjusted, which makes sense for Stripe.
zamio 17 hours ago|||
What's good about their DevEx?
sarabande 17 hours ago|||
I manage our company's model spend and build tools around it.

The good thing about the developer experience is that it is dead simple to create keys that are time-bound, model restricted, and have budgets against them in an easy, programmatic way (also in bulk). Costs are guaranteed to be on par or lower than any model provider, so it's an easy sell to the finance department.

To look at it from the other side, Gemini is the absolute worse when it comes to key management. The labyrinth of actions that one has to navigate to generate budgeted keys for a team is not worth it and I still haven't figured out how to manage the keys at a granularity I need.

OpenAI and Anthropic both have what I would consider to be middling DevEx. Most things work, but only on their platform, and there are some weirdnesses, like the fact that anthropic disabled its admin API key creation, so you can't programmatically create keys against a budget.

chanux 5 hours ago|||
> Gemini is the absolute worse when it comes to key management.

I saw another comment thread on this recently. What I gathered was they hid it in the Cloud Platform, so for those who jumped the cloud hoops already, maybe it's alright. (However when I read what Openrouter offers, as you just laid out, I feel Google can't hold a candle to Openrouter DevEx.)

However, if there's anyone who is aware, was there a brief point where getting a Gemini API key was simple (enough)? I'm asking because, in true Google fashion, the AI product went through a lot of changes.

charlierguo 14 hours ago|||
I work on DevEx for OpenAI's API - I'd love to hear more about what we could be improving here!
matznerd 14 hours ago|||
Not OP, but you can't set a per api key limit in OpenAI Platform, you also can't really easily see spending going on per key, and its also in a far off page separate from the keys, really not easy to see what is going on with spend in real time.
shimman 13 hours ago|||
You're supposedly worth a trillion dollars, can't you know... pay for your own market research rather than forcing the public to provide it for you? Is this what they seriously teach devs there?
pkfrank 13 hours ago||
God you're miserable. Damned if you do [engage with the community directly], damned if you don't.
OleksandrC 17 hours ago||||
I am working on my own agent implementation (https://usehax.dev/), and I can praise OpenRouter for being seemingly the only provider endpoint that actually gives proper API for gathering available models and their capabilities (context length, image support, pricing, etc), reports exact routing details and total cost in the response, and provides an endpoint for obtaining current available credits (for "/usage"-like command). So for OpenRouter specifically I could deliver a really good experience out-of-the-box (always fresh models and metadata, exact pricing, etc).

You would think that these things would be standard fare, but they really are not. Other providers need metadata from a separate catalog, don't report pricing, don't really report available credits / usage either.

So yes, OpenRouter does have a good DevEx.

etskinner 17 hours ago||||
Speaking for myself (I'm not the GP comment): The platform 'just works', has great reporting interface to help understand excatly what usage happened when, and integrates well with lots of different harnesses.
mhh__ 16 hours ago||||
It works
jacobgold 17 hours ago|||
You create an account. Pay money. Get API key. Use APIs.
ApolloFortyNine 16 hours ago||
But if you use any decent amount of tokens, it's probably worth saving the 15% by moving to the provider they're proxying.

And if it's not worth it, then are you spending enough where it even effects Openrouter's bottom line?

With enough devs playing with hobby projects I'm not doubting it's profitable, only that $7 billion seems way too high.

asadm 16 hours ago|||
OR I can keep paying 15% markup till next month and then jump to newest / cheapest model with one-liner change instead of being locked to a model/provider.
cute_boi 15 hours ago|||
Which model/provider locks like this, most of them use chatgpt style apis anyway.
tomnipotent 13 hours ago||
That requires that you create accounts and separately manage each provider you want to use. OpenRouter removes that - if a new provider gets added, you can start using them immediately.
odo1242 8 hours ago||
So, you’re paying 15% tax on all AI costs to avoid creating an account?
akho 16 hours ago|||
Aren't they all the same api? Are you paying 15 % to change one line, and not, like, three?
gkbrk 4 hours ago||||
Hint: It's not 15%. And there are many reasons, such as not having to keep up-to-date billing details in 70 providers, and not wasting money because most providers want you to prepay a balance that gets stuck in there if you switch to another provider.

It also has way better uptime than the underlying platforms, even for proprietary models like Claude. When Claude APIs are having issues, OpenRouter Claude still keeps working because they can route to AWS Bedrock instead of Anthropic etc. This effect is even bigger with open-weight models because they typically have 5-10 providers.

Tepix 15 hours ago|||
15%? Isn't the fee 5.5% with lower fees for enterprise customers?
BeetleB 15 hours ago|||
They charge a premium of 10%. I would imagine that's a lot of revenue.
film42 17 hours ago||
Or rather, Stripe will find a way to make me pay for it as a Stripe and OpenRouter customer.
tiffanyh 10 hours ago||
Can someone help me understand why OpenAI, Anthropic & other proprietary models would want to make their offerings available on OpenRouter?

It seems strategically not in their interest.

jubilanti 9 hours ago||
They get paid the same either way, Openrouter takes their cut and passes it onto the consumer. And anyone with an Openrouter account has already escaped from their proprietary moat. So for those who have expressed a clear preference for provider-agnostic model infrastructure, do you want to just wall yourself away from them forever?

And per the rankings [0] 18.2% of the tokens sold through went to OpenAI [1]. 3.8% for Anthropic though. Google's up there at 23.4% primarily because GCP/Vertex/whatever they're offering is a billing nightmare and the only way to set a hard cap and sure you won't wake up the next day with a $10k bill is via OR.

[0] https://openrouter.ai/rankings#market-share

[1] Although gpt-oss 20b and 120b are indexed as 'openai' because they're the creator even though they don't serve gpt-oss via openrouter. But neither are in the top 20 of models this month, while Luna and Sol are.

jonahx 9 hours ago||
DELETED
jubilanti 9 hours ago||
Read my sentence again. With your human eyes and brain:

> **Google's** up there at 23.4% primarily because GCP/Vertex/whatever they're offering is a billing nightmare and the only way to set a hard cap and sure you won't wake up the next day with a $10k bill is via OR.

OpenAI absolutely lets you set a hard or soft cap. I've set them and they've worked, I think one time I saw a $-0.01 balance. Their docs were probably written by ChatGPT. Later in that article it says:

> A spend limit can monitor spend without enforcement, or you can enforce it as a hard limit so API requests fail after spend reaches the limit.

And they still allow the most certain limit, which Google does not: have $0 on your deposited balance and don't have auto-reload enabled, you get 4XXed instead of going into debt (or at least by at most a couple cents).

Although for fun, go ask Gemini how you can set a cap on GCP spend. It'll try to write you a pub-sub client.

low_tech_punk 10 hours ago|||
They already sell API access to the model on Google/Microsoft/Amazon cloud. OpenRouter is the same deal. Note that the labs are not giving out model weights to OpenRouter. They are just selling tokens.
tiffanyh 9 hours ago||
OpenAI/Anthropic/etc don’t establish the direct customer relationship.

And OpenRouter can steer traffic away from those labs over to their own model.

The major labs don’t get personalized data about the user to train on, since it’s aggregated.

Which is just some of the reasons why strategically it doesn’t seem in their best interest to allow a middle person.

wpietri 9 hours ago|||
It's a land grab. Right now none of them have a dominant position. Much better to get mind share and market share now. They can always squeeze the value chain later. And whoever wins surely will.
jubilanti 9 hours ago|||
Quite frankly, the proprietary company's products are no longer good enough for them to be able to enforce a moat. The scene is popping and nobody is satisfied staying with one provider. If they stopped selling via Openrouter, the 18.2% of Openrouter's revenue that currently goes to OpenAI or the 23.4% of their revenue that goes to Google would probably dry up. Some people would switch back, but those who are happy to juggle multiple budgets and endpoints and API key management infrastructure are already doing so to avoid Openrouter's 5-10% cut. This is really evident at any $bigco where you can wait for weeks for a purchase order, needing leadership's approval and accounting's "I'll get to it when I get to it."

> OpenAI/Anthropic/etc don’t establish the direct customer relationship.

But they also don't have to pay to support and maintain the direct customer relationship and all the billing, support, liability, etc. The credit card merchant fee (a not insubstantial % at scale) is paid by Openrouter (or Stripe now) and the bill Openrouter pays to OpenAI is transferred probably via wire or something with a lot less fees. Meanwhile if you're paying OpenAI via credit card directly, OpenAI is paying Stripe or whoever.

> And OpenRouter can steer traffic away from those labs over to their own model.

The inverse is also true. If you've deposited money on a Openrouter account, you've taken a very big step across their proprietary moat. Would the proprietary companies rather lose them as a customer forever, or be able to entice them back, which can be done with a single change of a JSON parameter?

> The major labs don’t get personalized data about the user to train on, since it’s aggregated.

(Edit: Looked it up, Openrouter does send a pseudonymous but stable hashed userid upstream, stable across different API keys in the same account [0]. That makes de-identification a lot easier.)

First, a lot of the corporate use is getting ZDRed, so there's nothing to track without going back on zero data retention.

De-identification was trivial for normal web traffic before LLMs. Think of all the crap people's harnesses and claws send without de-identifying. Many coding agents can't help themselves from scanning your home directory.

Sure, the type of person to comment on HN probably has good hygene, but the typical vibe coder doesn't even know what they're leaking.

[0] https://openrouter.ai/docs/cookbook/administration/user-trac...

hadlock 7 hours ago||
When the market settles down, most of the money is going to be in bulk inference, for batch jobs. In 5 years everyone's laptop will be able to run Qwen 3.8 27B for coding tasks, but businesses will still need to run inference 24/7. Very few people will still need SOTA models once you can run an Opus 4.6 class model on your laptop.
gavino 17 hours ago||
Could someone explain why these routers are so valuable and pulling acquisitions in the billions?
millicentricism 17 hours ago||
It’s a marketplace with a markup on every token they sell. And I’d rather go to this shop, than sign up individually at the 70+ different providers they broker access to - even if it comes with a price.
Shakahs 13 hours ago|||
Frontier model providers (Anthropic et al.) gate new accounts to impractically low rate limits and spending caps until clients unlock higher limits with cumulative usage, make equivalent cash deposits up front, or talk to a Sales department to work out some other arrangement. They are handicapped by the postpaid billing model.

It's an administrative burden to sign up very every model provider, and there are many independent inference providers now that serve only open source models.

OpenRouter provides a useful service by allowing easy prepaid model access with much higher rate limits, and they also aggregate different model providers to route queries by price, latency, etc.

drob518 17 hours ago|||
I don’t understand it, but good for OpenRouter. Personally, I think OpenRouter’s value is somewhat perishable. In the early AI market where there are a jillion models and anew one every week, it’s great to be able to try them all without having to create accounts and keys for each one. OpenRouter, which I use, makes this easy for developers to do. Add some cost controls and other “management” knobs and it works great. But the market is not going to be this frothy forever. As things settle down and commoditize, the value of switching on a dime diminishes as people lock into their favorite models. And with the OpenAI and Anthropic APIs being defacto standards for how to talk to models, it’s easy enough to switch to another model every so often, as long as you aren’t doing it multiple times per week. The other alternative is that OpenRouter stays in the mix but its pricing gets ground down and down. If it’s (nearly) free and still adds some value, fine. But that doesn’t justify $7B. So, yea, I don’t get it from Stripe’s perspective.
Majromax 16 hours ago||
> As things settle down and commoditize, the value of switching on a dime diminishes as people lock into their favorite models

I can imagine just the opposite outcome from the same scenario: as people settle into their favorite but commoditized models, competition for marginal inference cost will take over. A company like OpenRouter that promises the cheapest tokens by the minute becomes essential on the low-cost margin.

I think that OpenRouter and equivalents get pushed out of the market only if the froth calms down (as you posit) and winning models stay proprietary, perhaps with their own unique API surfaces.

drob518 14 hours ago||
> A company like OpenRouter that promises the cheapest tokens by the minute becomes essential on the low-cost margin.

Okay, I can see that, but if their value is just cost optimization, their ability to mark up the tokens becomes increasingly difficult as well. Or, people will build a router themselves to avoid paying the markup, possibly with reduced features, but someone will open source it. Heck, Claude or GPT can probably one-shot it these days. Either way, I think the whole OpenRouter model is going to struggle unless the market stays frothy.

dannyw 8 hours ago||
First, cost optimization directly contributes to how much markup they can charge. Say on average they deliver savings of 20%, that is excess value OR/Stripe can mostly capture.

Also, you don't need to mark up tokens much if you're a commodity volume business. Think of Costco and their margins & membership fees. Not everything has to be high margin, not everything has to be a SaaS subscription.

znnajdla 17 hours ago|||
Read Ben Thompson to understand aggregation theory. Many of the largest internet companies, like Google and Amazon, are simply aggregators. OpenRouter is an aggregator of AI tooling. Stripe itself was just a convenience layer on top of merchant gateways (another aggregator). OpenRouter is so big they can negotiate special contracts with OpenAI for special rates.
Netherlands007 14 hours ago||
[dead]
Flamkuchlo 2 hours ago|||
I don't think they are.

Just because some Higher Ups in Stripe bought this, doesn't mean its that valuable.

It can easily be, that Stripe can just afford it and think that they are part of the big boys and thats just what companies cost today.

It could be that Stripe really really like the brand name and all the positive notion of it.

It could be that Stripe doesn't want to build this from scratch in a timefrime of 1 year or 2 because Stripe might be too corporate to be able to do startup stuff.

Stripe has quite a high motivation to leverage agents thoguh because they are preparing for Agents which will buy through stripe. They already provide the SKU backend and support the agent payment stuff.

Rebelgecko 17 hours ago|||
They're selling shovels during a gold rush with a 5% markup
collingreen 15 hours ago|||
It's a simple marketplace and they control a ton of the demand side who trust them to find the best price and providers that work. The value is huge to users - one place, multiple models, providers bid for the traffic and the user doesn't have to think about anything. The value they hold hostage against providers is gargantuan - nice model there it'd be a real shame if none of our users used it.

I don't see how stripe adds any value here (and I've had such terrible experience with stripe automatically breaking my stuff I am worried I can't trust openrouter now) but I can see stripe wanting to be in the middle of any two people giving each other money on the internet and this is squarely (lol) that.

apitman 17 hours ago|||
It's Netflix before the unbundling happened
maciejgryka 16 hours ago||
Ha that’s a really interesting comparison! I guess the difference is that OR directly sends revenue to model providers, so maybe they’re more likely to continue working together? But I can totally see it go the other way once a provider feels confident enough their users won’t switch away. At that point the OpenRouter tax, however small, will be a problem to solve.
tancop 16 hours ago|||
You can save money and get higher uptime. Without it using a cheap provider for open models would be risky because they might go down a lot, but routers can detect that and instantly switch to a different provider. They basically take away all your exposure.

The other thing is convenience and centralized security from using one gateway to access everything. It's a lot better than having to deal with N accounts with separate limits and monitoring. And giving your payment details to one company instead of 20 is obviously safer.

Investors like them because the pricing is inherently usage based so there's zero risk of clients using more tokens than what they paid for. Guaranteed profit as long as they can keep a modest amount of customers.

Digory 16 hours ago|||
On acquisition pricing: Why smarter AI models could drive up compute prices 10x (at least temporarily). [0] This seems mind blowing, but the big boys seem to be behaving as if it's directionally true.

If compute is constrained and expensive, OpenRouter is what you'll use to get around the constraints at individual providers.

[0] https://x.com/dwarkesh_sp/status/2084333160075055122?s=20

ifwinterco 4 hours ago|||
The art of good business is being a good middleman
wyre 17 hours ago|||
OpenRouter allows you to have 1 API key to access hundreds of models across dozens of providers.

Can’t explain the valuation since everything in this space is rationally overvalued, but I don’t think OpenRouters valuation is that surprising, all things considered.

emdash 17 hours ago||
I use it because it makes A/B testing different models really easy
qrios 17 hours ago|||
Contend of the LLM calls.
atleastoptimal 17 hours ago|||
Distribution is a big moat and value-add.
frabcus 17 hours ago||
So much so that right now GPT-5.6 Sol tokens are half price from OpenRouter compared to OpenAI directly. Which I guess means enough people are using OpenRouter, that OpenAI are more concerned about getting those users to switch (from, presumably, Anthropic) than they are about encouraging OpenRouter to exist and long term reduce margins for them by competition / lack of lock-in.
sensanaty 13 hours ago|||
If you stick "AI" anywhere in your product pitch you get to stick a few extra zeroes on your valuation that has been pulled from your ass which you then sell to feckless VCs looking to swallow the world before the bubble pops
mihaaly 15 hours ago|||
PE is desperately competing other PE to get into the promise of some AI thingy NOW?

Just guessing. The frenzy around popular, good already, and successful services with the corporate crap flowing from this acquisition announcement too is appalling. The "what's best for you, the user" heavy emphasis when this would be inherently evident in any honest service forecasts the opposite.

Some highlights from one of my agents asked for a no bullshit evaluation:

"By buying OpenRouter, they own the routing layer that decides which model gets called and at what price."

"Stripe wants to be the economic infrastructure for AI — meaning they want to be the toll booth and the traffic cop for the entire AI economy."

"... insider market intelligence that OpenAI, Anthropic, and Google don't fully have. Stripe would now have it."

"The $7B+ price is absurd on any financial metric, but this isn't a financial acquisition — it's a strategic positioning play to own the platform layer of the next computing paradigm."

"140x revenue multiple: At ~$50M revenue, this is not a financial valuation. It's a strategic land grab — buying the chokepoint before someone else does."

I do not feel a particularly strong smell of 'best for the user' here for some reason... More like the usual 'how do we squeeze out more for our PE folks from this' kind of scent.

slopinthebag 11 hours ago||
Are you seriously posting an LLM generated “analysis” of financial event.
croes 17 hours ago|||
They get all your prompts, the LLMs companies only some
dcchambers 17 hours ago||
Tokens are just a type of currency. Stripe is a middleman for currency.

Using something like OpenRouter (or any of the AI Gateways) is better than tying yourself to one LLM provider that can rug pull on pricing or change models in a way you don't like.

The value is in the network effect I think. OpenRouter is popular and has a good head start over anything Stripe could build internally.

dgellow 17 hours ago|||
Tokens are not a currency, tokens aren’t fungible and cannot be traded
polotics 17 hours ago|||
to a certain extent, openrouter did manage to turn tokens into a currency. The fungibility is there, as much as you don't care so much if you're getting your token from novita or some other player, these become fungible.
dgellow 17 hours ago||
They aren’t trading tokens, they are a market for compute. The difference matters quite a lot. What you have in openrouter is the ability to exchange money for compute at the vendor of your choice.

We are basically back to 2020 trying to get people to understand that an NFT is NOT the underlying asset it abstractly represents…

pests 15 hours ago||
> The difference matters quite a lot.

Please go on as I do not get your point.

dgellow 2 hours ago||
You spend $100 to get tokens from Claude. Then go to your friend and tell them you are willing to sell the tokens you got for $50, it’s a bargain! They look at you, tell you that makes absolutely no sense, and why the fuck would they want to buy your tokens, ie something that only makes sense in your very specific prompting context.

Tokens don’t have an inherent value and have no other properties that would make they tradeable.

Another way to think about it: a company that spends $1M on tokens is burning that money hoping they will be able to recoup by generating a better product. If it would be tradeable, they could spend $1M to generate tokens, produce absolutely no product, and just resell all those tokens to get their money back. That’s obviously nonsense, that’s not at all what tokens are. And they cannot transform the tokens they got into compute, you need to consume hardware and energy to mint tokens, you cannot convert tokens into hardware

topato 17 hours ago||||
Isn’t this what Venice.AI is essentially trying to do?
victorbjorklund 17 hours ago||||
A dollar bill and a euro coin isn’t fungible either.
osculum 17 hours ago||
? In general, it is, unless it has some collector value, for example.
13hours 17 hours ago|||
Yet
dgellow 17 hours ago||
Tokens are minted then consumed. You cannot trade them, by definition. What would it even mean to trade a token? You can maybe trade a voucher that allows you to then redeem it for some token generation (aka compute), but the tokens themselves don’t make sense to be tradeable. And because they aren’t fungible you cannot swap a token for another one, that’s just not what LLMs are
pests 15 hours ago||
I think you are reading too much into the "fungible" term.

No one is talking about trading tokens.

The idea being that getting your tokens from Provider A is no different than Provider B, especially if they both offer the same model. You can change one value in a request to openrouter and suddenly be hitting a different provider but offering the same tokens, because they offer the same model and the same settings.

adwn 5 hours ago||
> The idea being that getting your tokens from Provider A is no different than Provider B, especially if they both offer the same model.

You're describing a commodity. However, the commodity isn't the tokens, but the compute capacity, i.e., serving a model. And compute capacity isn't a currency — at least not, until you can acquire compute capacity from one party and exchange it with another party.

dgellow is absolutely right: tokens aren't a currency, nor can you trade them, nor are they fungible. The original claim that "tokens are just a type of currency" [1] makes no sense.

[1] https://news.ycombinator.com/item?id=49364984

Taikhoom10 17 hours ago|||
Yeah, I mean, it looks like a network effect, but anybody can aggregate the models; rather, it is the switching costs in the logs and work, and the cost savings, etc.
6thbit 17 hours ago||
This has to be all about cashflow, right?

Surely stripe if anyone have learned to harness the cash flowing through their system. Hell, they could be emitting bonds on expected token consumption bills!

ed_mercer 13 hours ago||
Alex's first post about OpenRouter got 6 upvotes and 0 comments on HN https://news.ycombinator.com/item?id=35481760
nikcub 13 hours ago||
same with cursor - which was submitted multiple times:

https://news.ycombinator.com/item?id=34423387

are there more examples of this? a bit of an HN anti-portfolio. good reminder to others.

jasonjayr 12 hours ago||
There's the infamous post dismissing DropBox ( https://news.ycombinator.com/item?id=9224 )
dandaka 12 hours ago|||
> It does not seem very "viral"

love that Dropbox has became textbook example of viral marketing

heaney-555 12 hours ago||||
This is, somewhat ironically, the most well-known HN comment outside of HN.
greenfish6 12 hours ago||
It's also very representative of the HN comment section vibes overall.

But such is normal with normies providing startup critiques, if you just look at every announcement and say "this will fail", you'd be right 99% of the time.

gpt5 11 hours ago||
I mean, the AI skepticism is still so prevalent today in HN, despite it solving decades old math problems, hacking into companies, making software engineer no longer code, etc. (all this just in the last year).

So nothing really has changed in this community's vibes.

titularcomment 10 hours ago|||
If you think HN is anti-AI, you are in deep. There isn't many places on the internet (sans X/Twit which i don't check) that is as AI-positive as HN. Sure, holdouts remain but the frontpage has a 60% constant vibecoded project submission.
gpt5 8 hours ago||
You are mixing supporting AI (which HN is mostly against, but more supportive than other places), and thinking AI is dumb, which HN has been pretty persistent on for years.

I mean - just looked at this downvoted comment essentially saying the same thing - https://news.ycombinator.com/item?id=49119464. And also the intensity of the replies.

rafael-lua 10 hours ago|||
Thanks for your input, GPT-5.
ttul 12 hours ago|||
Poor BrandonM... He has not been invited to cocktail parties at all since then.
archon810 12 hours ago|||
What does window.ai have to do with OpenRouter? I don't use either, so your link confuses me.
ed_mercer 11 hours ago||
It's the predecessor. See https://news.ycombinator.com/item?id=38415092
raincole 11 hours ago|||
I kinda expected it's filled with comments telling him how stupid the idea is..
layer8 11 hours ago|||
That’s the difference between a priori and a posteriori knowledge.
apsurd 12 hours ago|||
that subject line is pretty bad though.

(i know much of it is a crap shoot and easy to quarterback on Monday morning.)

fragmede 13 hours ago||
What a good find! Makes me feel better about my projects that get zero traction here.
nikcub 12 hours ago||
getting zero traction here is clearly the path to success :)
farhanhubble 3 hours ago||
I've not used Open Router but I'm wondering what are the reasons to route LLM queries at large scale?

Isn't the trend increasingly to let an orshestrator agent decide which model to use in terms of problem difficulty vs. size and thinking budget?

Once you fix those parameters there's little to optimize over, no? I mean you want to find the cheapest one across providers but that's not a recurring decision.

mft_ 3 hours ago||
I suspect only a very small subset users are sophisticated/interested enough to do that for themselves on a regular basis. More will likely hop between agents based on cost and the perceived nature of the task, without hard data (or an orchestrator model) to support that decision.

In the second case OpenRouter is very useful; in the first case, maybe it’s an area they move into in time - providing and owning/optimising the orchestrator?

Mashimo 3 hours ago||
> reasons to route LLM queries at large scale?

Convenience. Paying only one provider, but get access to different models hosted around the world. Need a model for a project where latency matters? EU hosted and ZDR for another customer? Cheapest for personal use?

You get everything under one roof.

happybox2016 3 hours ago||
One thing that always worries me with these acquisitions: how are they gonna handle the impending 5.6M+ Stripe Connect users who rely on OpenRouter's APIs? Will they integrate it into their core infrastructure or leave it as a separate product?
hmokiguess 15 hours ago||
I rather have protocols be built and less middlemen PaaS.

One great example is Open Banking. I would support an Open Router that mirrors Open Banking, unfortunately the Open here doesn’t carry the same connotation.

Kudos to the team for succeeding in executing around a clear DX issue during the chaos of providers, though long term I am not really a fan of it staying as is even if Stripe gets to be the one carrying it forward.

Muromec 15 hours ago||
What open banking? I can't even get a read-only token for my personal use to see the balance on my account and I sit two team calls away from people who cooked the API
hmokiguess 14 hours ago|||
Where it is already operational and available elsewhere worldwide. Unfortunately complex lobbying and Wall Street not being a fan of it as they’re the biggest loser makes it slow to get it done in the US.
dzikimarian 13 hours ago||
In the EU you also cannot just get a token to open banking.
sixtyj 14 hours ago|||
Deleted. I don’t like starting rage baits… ;)
fragmede 14 hours ago||
With vibe coding, you can make a bot that pretends to be human accessing the banks website, and be able to hit the bot with an API, and have the bot interact with the bank for you.
jon_adler 12 hours ago||
However, you’d be liable for the losses due to fraud in this scenario
flexagoon 15 hours ago|||
Every single Open Banking implementation I know also requires everyone to go through a useless certified middleman (eg. Plaid, GoCardless, ...) instead of letting people use the APIs directly
hmokiguess 15 hours ago|||
Brazil did PIX which in that case the middleman is the government and everyone got to benefit from
lxgr 13 hours ago||
Isn't PIX a payment scheme?

Open banking is slightly different, as it's more about account access (although with read+write access, you can kind of build it into a payment scheme as well, although it's usually clunky).

hmokiguess 13 hours ago||
You're right, they are actually one step ahead and into what is now called Open Finance and aims at extending Open Banking beyond the original vision.

The brazilian central bank has a page about it[1]

[1] https://www.bcb.gov.br/estabilidadefinanceira/openfinance

theplatman 14 hours ago|||
would encourage you to read up about how the rest of the world has solved this
ppalata 13 hours ago|||
When you say rest of the world, what countries exactly do you mean? I'm from the Czech Republic and the process is also insurmountable for a regular company. You either go through a middleman or you can apply for a license (only 4 companies in the entire country ever got it and it costs upwards of $50k in legal fees just to file the application).
nozzlegear 13 hours ago||||
Why don't you just tell us, rather than give us homework?
shimman 13 hours ago|||
Can you just link us to the relevant pieces? I rather not search on my own and read wall street propaganda on why it's bad (which is what I'm finding and not interested in).
hmokiguess 12 hours ago||
Here's a McKinsey report on Pix, Open Banking, and Open Finance in Brazil[1]

[1] https://www.mckinsey.com/br/~/media/mckinsey/locations/south...

thatjoeoverthr 14 hours ago|||
One problem here with the protocols is the field isn't yet so stable. Most people are copying OpenAI's endpoint, and so you have "OpenAI compatible", but there are always little hairs on it. Case in point, OpenAI itself no longer offers multiple basic inference options on their new models. Can't pass temp, get back logits, etc. on anything after GPT 4.1. It's not a total zoo and Open Router is pretty easy but everything is just enough a special snowflake that models aren't a commodity. Maybe later though.
hmokiguess 13 hours ago||
Agreed, though that's not a reason to discourage building it or putting it forward. That's more the reason why a protocol would be beneficial, we are ending up with price wars and middlemens everywhere because we're racing.
ifwinterco 4 hours ago|||
Open banking protocols exist and are widely used but they’re called crypto, which everyone on HN hates for some reason
calvinmorrison 13 hours ago||
Feels the same - businesses from pizza shops to eCommerce sites will be arguing with not their credit card provider about transaction fees, but their AI provider (who supports all 3 major networks, including Discovai, Clankers Club Aierican Express
Driftbench 5 hours ago||
Stripe acquiring the biggest model gateway makes sense when you think of inference as the next payments. Both are developer API infrastructure where routing and provider abstraction matter.
agnishom 10 hours ago|
"to power the next wave of GDP growth" is a wonderfully shallow but impressive clause.
More comments...