Credits

Shared PC credit balance, consumption, and refunds.

GET /credits/balance returns the account's current PC balance:

{
  "object": "credit_balance",
  "available_credits": 1200,
  "unit": "credits",
  "policy": "same_as_pc"
}

All valid PC credit grants are treated exactly as the PC product treats them. The API does not create a separate paid-only balance, reservation table, or usage ledger.

Credits are reserved atomically in the shared PC transaction before Provider submission. A confirmed submission failure releases that reservation exactly once. There is no separate API daily credit ceiling: the account's current valid shared PC balance is the credit limit. If a generation costs more than the available balance, the API returns insufficient_credits without calling the Provider.