# Credits

How Fundalyze credits work, what spends them, and why nothing is blocked by them today.

Credits are one balance per Fundalyze account that meters the API and MCP server and the AI features on the website. **Today credits are counted but not enforced: running out blocks nothing.**

## How the balance moves

- **Credits come in** with each paid period of your plan (each monthly or yearly invoice; Lifetime plans get a monthly allowance), and from credit packs when packs are on sale.
- **Credits go out** for each successful API or MCP tool call, each AI summary generated on the website, and each plain-English screener question. A call that fails costs nothing.

Your balance and this month's use appear in [Account → Billing](/account/billing) once credits matter for your account (when packs are on sale, or when enforcement is on).

## Today

Nothing is blocked when a balance runs low or below zero. The [daily call quota](/developers/concepts/limits) is the only limit on API use.

## When enforcement is turned on

When credits are enforced, a call made with a balance at zero or below is refused with `402`:

```json title="402 Payment Required"
{"detail": "Out of credits. Buy a credit pack from Account -> Billing, or wait for your monthly credits."}
```

Over MCP the same sentence comes back as the tool's error text. Turning enforcement on, and the number of credits a call costs, will be announced in the [API changelog](/developers/changelog) before it happens.