Something Squirrely — Episode 5: They Monetized the Loading Screen — and They’ll Give You Half

Every once in a while an advertisement appears that does not immediately make us think, “That’s bullshit.” Instead, it makes us wonder, “Why did nobody think of that sooner?”

That was my reaction when an advertisement for Kickbacks.ai appeared in my Facebook feed with an unusual proposition: advertisers bid for the idle line displayed while your artificial-intelligence coding assistant is thinking, and you receive a portion of the advertising revenue. Their slogan is wonderfully simple: “We monetized the part where nothing happens.”

That is actually a pretty accurate description of the business. If you use certain AI coding tools, there are moments when the assistant is processing a request and the interface displays something like “Thinking…” or a spinner while you wait. Kickbacks.ai inserts a short advertisement into that otherwise unused screen space. Advertisers pay for the impression, Kickbacks takes its share, and the developer whose computer displayed the advertisement receives part of the revenue.

The company currently describes that share as an estimated 50% of attributable net advertising revenue, and its website says more than $91,000 has already been distributed to developers. The advertisement that originally caught my attention showed $81,898, so at least according to Kickbacks’ own live reporting, the payout number has continued increasing since that graphic was created.

So yes, somebody actually found a way to monetize waiting for AI to think. Whether that is ridiculous or brilliant may depend entirely on which side of the advertising transaction you are sitting on.

This Is Not “Get Paid While ChatGPT Thinks”

The first thing to understand is that Kickbacks.ai is considerably more specialized than the Facebook advertisement might initially make it sound. This is primarily aimed at developers using AI coding assistants, not ordinary people having conversations with ChatGPT in a browser.

Kickbacks currently works by inserting sponsored messages into supported development environments such as Visual Studio Code and terminal-based AI coding workflows. Claude Code is currently listed as supported, while the company’s website is also in the process of rolling out OpenAI Codex support. In fact, parts of the website appear to reflect different stages of that rollout, suggesting the product is still actively expanding.

The advertisement therefore becomes a little less universal once translated into ordinary language. It is not really “use any AI and earn money whenever it thinks.” It is closer to “install our software into supported AI-development tools and we will replace some of the idle status messages with advertisements that may generate revenue for you.”

That is still a clever idea. It is simply a much more specific one than the Facebook ad first suggests.

Ten Seconds Is Apparently Enough to Become Advertising Inventory

Kickbacks does not pay simply because an advertisement flashes across the screen for half a second. The company currently targets approximately 10 continuous seconds of on-screen visibility for a qualifying impression, with a small timing tolerance. Advertisers purchase blocks of impressions, and different placements operate through separate auctions.

Ads displayed inside the editor are treated as more valuable inventory, while terminal-line advertisements are considered lower-value ambient placements. That means the amount a developer earns is not fixed and will depend on advertiser demand, placement type and other factors.

Kickbacks’ terms describe the developer’s current share as an estimated 50% of net advertising revenue after operational expenses, attributable to qualifying activity. The company also reserves the right to adjust the revenue split, impression rates and payment schedules in the future.

That distinction matters because the Facebook advertisement makes “you get 50%” sound wonderfully simple. Fifty percent of what, exactly? Not 50% of some standard payment every time Claude takes too long to answer, but approximately half of qualifying net advertising revenue generated by impressions shown through your machine, subject to advertiser bids, platform calculations, fraud controls, caps and other rules.

That is considerably less dramatic, although still potentially worthwhile for someone already using the supported tools.

No, You Cannot Deliberately Make the AI Sit There All Day

The obvious response from anyone with an entrepreneurial streak is probably something like, “Okay, so what if I just keep giving the AI enormous prompts and make it think all day?”

Kickbacks has apparently met the Internet before.

Its terms specify that qualifying impressions must result from bona fide, human-initiated AI coding requests rather than automated, scripted or artificially manufactured activity. The company can also impose daily, weekly, monthly or other limits on qualifying impressions and earnings, and activity beyond those limits does not generate revenue.

Those limits are important because they prevent the product from becoming an idle-money machine where someone writes a script whose only purpose is to keep the loading indicator alive. The company also uses fraud-detection systems and reserves the right to withhold or correct earnings when activity looks suspicious.

So while Kickbacks can technically generate passive revenue while you are already doing development work, this is not a new career path called Professional AI Waiting. You still need to be doing actual work that naturally produces those wait periods.

The Money Is Probably Better Viewed as a Rebate Than an Income

This is where expectations need to remain realistic. Kickbacks does not promise that anyone will earn a particular amount. Advertiser pricing is auction-based, qualifying impressions require genuine usage, usage caps can apply and the company explicitly states that earnings are not guaranteed.

That means I would look at this much more like a tiny rebate attached to something you were already doing. If you spend all day working with Claude Code or another supported tool and advertisements quietly accumulate enough qualifying impressions to eventually buy lunch, great. You were already waiting for those responses anyway.

I would not, however, install Kickbacks and begin calculating how many mortgage payments your blinking cursor is going to cover.

Payouts currently require a minimum $10 balance and are handled through Stripe Connect. Users must complete Stripe’s identity and tax-information requirements before receiving money, and Kickbacks can hold payments while suspected fraud or invalid activity is investigated.

There is also an interesting detail worth remembering if you decide to leave the program: according to the terms, unpaid earnings below the current payment threshold can potentially be forfeited when an account is terminated, subject to applicable law. In other words, quitting with $9.73 sitting in the account may not result in a ceremonial check arriving later.

Then We Get to the Privacy Question

This is where Something Squirrely earns its name.

Kickbacks has two distinct operating modes, and the difference between them deserves attention. The standard earning configuration is called Private Mode.

According to the company’s privacy policy, Private Mode does not transmit your source code, prompts, AI responses, conversation history or project file contents to Kickbacks. The software does collect the information necessary to serve and account for advertisements, including pseudonymous identifiers, device information, approximate city-or-region location, visibility duration, ad interactions and other telemetry required to determine whether an impression qualifies.

That is actually a fairly sensible privacy boundary for this kind of service. If somebody is going to pay you because an advertisement remained visible for ten seconds, they obviously need some way to verify that the advertisement remained visible for ten seconds.

But Kickbacks also offers another option called Boosted Mode, which changes the privacy equation considerably.

Boosted Mode Knows More About What You’re Doing

Boosted Mode is a separate opt-in designed to make advertisements more relevant. When enabled, Kickbacks can process a bounded portion of your recent AI-assistant conversation, along with limited work-context information such as open-file extensions and a repository-name hint. It uses that information to derive an interest profile that can help advertisers target you more precisely.

The company says it strips credential-like material locally and then performs additional automated cleaning on its servers to remove personal and identifying information before cleaned conversation material and generalized interest information reaches advertising partners.

That sounds responsible, but Kickbacks also includes one warning everyone considering Boosted Mode should pay attention to: the filtering is best-effort and will not catch everything.

The company’s own terms warn users not to include employer information, client information, third-party personal information or confidential material they are not authorized to submit. That is an extremely important warning for developers because coding-assistant conversations can contain API examples, database structures, error logs, filenames, project descriptions, internal business logic and occasionally information that should never become part of an advertising profile.

Kickbacks says it does not collect the actual contents of your source files, even in Boosted Mode, which is good. But conversations with an AI coding assistant can still reveal a great deal about what someone is building.

If you are working on your own hobby project, perhaps that tradeoff does not bother you. If you are working on proprietary software for an employer or client, I would be considerably more cautious. A few additional pennies per advertisement are probably not worth explaining why client-related information became part of an advertising-targeting pipeline.

The Company Even Calls Some of This Data Sharing a “Sale”

One thing I will give Kickbacks credit for is that its privacy policy is considerably more candid than many technology companies’ policies.

Kickbacks explicitly acknowledges that under some U.S. state privacy laws, sharing user information with advertising partners in exchange for advertising revenue may legally qualify as a “sale” or “sharing” of personal information.

The company also provides privacy controls that allow qualifying users to opt out of that sale or sharing while remaining in the earnings program. According to Kickbacks, those users may then receive internally sourced advertisements rather than partner-served targeted ads, although the company warns that earnings and ad volume could decrease or even reach zero.

That is exactly the kind of tradeoff consumers should be able to see clearly. More data can potentially produce better-targeted advertising and possibly greater revenue, while less data provides greater privacy. There is no magical arrangement where advertisers pay premium rates for detailed targeting while learning absolutely nothing about the audience.

At least Kickbacks does not appear to pretend otherwise.

The Bigger Surprise Is What the Software Actually Does to Your Coding Tools

The privacy discussion is important, but the part of Kickbacks’ terms that really deserves attention is how the software inserts those advertisements in the first place.

Kickbacks explicitly states that its software may modify, patch or integrate with the internal rendering mechanisms of third-party software such as Claude Code, OpenAI Codex and Visual Studio Code. That can involve intercepting user-interface rendering calls, replacing content displayed during wait states and injecting remotely served sponsored material into the development environment.

That is a much more substantial technical description than “Your AI just got a new side hustle.”

The software is not merely opening a little advertisement window beside your editor. It is deliberately integrating itself into the interface of other software so it can replace or supplement the messages those applications normally display.

That does not automatically make it dangerous or malicious. Extensions and integrations alter software interfaces all the time, but it is still something I would want to understand before typing an installation command into a terminal.

And Those Other Companies Haven’t Necessarily Approved It

Kickbacks is unusually clear about this too.

Its terms say the company is not affiliated with or endorsed by Anthropic, Microsoft, OpenAI, GitHub or the other platforms it works with. Kickbacks also does not guarantee that its method of operation is permitted by every third-party platform involved.

That means one of those companies could update its application and accidentally break Kickbacks tomorrow. It could deliberately break it, change its terms of service or decide that injecting advertisements into its interface violates its policies.

Kickbacks’ own terms acknowledge those possibilities and warn that third-party providers could potentially take action against users, including account restrictions or termination.

That does not mean Anthropic or OpenAI is about to ban everyone using Kickbacks. It means Kickbacks itself acknowledges that platform-policy risk exists, and that matters more if the AI account involved is essential to someone’s actual job.

That Changes the Risk Calculation

Imagine you use Claude Code casually for hobby projects. You install Kickbacks, make a few dollars from advertisements you barely notice and enjoy the novelty of being paid while the AI processes requests. In that situation, the risk may be trivial.

Now imagine you use Claude Code professionally every day and losing access to your account for even two days would cost substantially more than Kickbacks could generate in a year. That becomes a very different calculation.

This is not necessarily about whether Kickbacks itself behaves badly. It is about whether inserting a third-party monetization layer into another company’s development environment introduces a dependency or policy risk worth accepting.

For some users, it may be. For others, probably not.

The Advertiser Side Is Actually Pretty Clever Too

The business model becomes even more interesting when you look at it from the advertiser’s side.

Advertisers are not buying ordinary banner ads sprayed across random websites. They are buying access to developers at a very specific moment: while those developers are sitting inside coding tools waiting for artificial intelligence to finish something.

That can be valuable attention.

A company selling developer tools, hosting, APIs, databases, code-analysis software or productivity services already knows a great deal about the likely audience sitting in front of that advertisement. Kickbacks currently separates its inventory between editor and terminal placements, with editor placement treated as more valuable because those ads appear closer to the developer’s normal line of sight.

That is a surprisingly sophisticated advertising marketplace built around a few seconds most software companies previously considered dead space.

Someone looked at a spinner and saw a billboard. I have to respect the creativity.

So, Is Kickbacks.ai Squirrely?

Absolutely, but not because the core proposition appears fake.

The company really does sell advertising inventory inside supported AI-development environments. Developers really can earn a share of qualifying advertising revenue, advertisers really can bid for those impressions, and Kickbacks reports that substantial amounts of money have already been distributed through the program.

The squirrel is hiding in the details surrounding that simple pitch.

Your 50% is an estimated share of qualifying net advertising revenue, not a guaranteed wage. Not every moment of AI processing qualifies, usage and earnings caps can apply, you need to reach the payout threshold and complete Stripe onboarding, and the software modifies or patches parts of third-party development environments.

Those third-party companies have not necessarily approved the arrangement, and if you enable Boosted Mode, the privacy equation changes considerably because portions of your AI conversations can become part of the process used to build a more useful advertising profile.

None of those things automatically makes Kickbacks a bad product. They simply make it considerably more interesting than the Facebook advertisement suggests.

Somebody Finally Found a Way to Monetize Doing Nothing

For years, technology companies have searched for increasingly creative ways to monetize our attention. Websites sell advertisements beside articles, streaming platforms insert them into television shows, mobile games put them between levels and social networks blend them into news feeds.

Now somebody has looked at the ten seconds where an artificial intelligence is thinking and decided those seconds have commercial value too.

The funny part is that they may be right.

If you’re already using supported AI coding tools, do not mind seeing a small advertisement, understand the privacy settings and are comfortable with how the software integrates into your development environment, earning a little money from otherwise wasted screen time is not the worst idea I’ve ever seen.

Just do not confuse “earning while you wait” with a new passive-income empire, and definitely understand what you are installing before pasting a command into your terminal because Facebook promised your AI had found a side hustle.

Kickbacks did not invent free money. They simply found somebody willing to pay for ten seconds you were not using and offered to split some of the proceeds with you.

That may actually be the most honest definition of a kickback I’ve seen in a while.

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