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Anima Credits explained: how 1 USD becomes 200 Credits

Anima uses fixed-rate Credits decoupled from FX. 1 USD = 200 Credits, 1 CNY = 28 Credits. Why? Predictable bills + no FX surprises.

By Anima Team· 6/15/2026· locale: en

  1. Q1What is one Credit worth?

    1 Credit ≈ 1/200 USD ≈ ¥0.0357. The conversion is fixed in application.yml (credits.per-usd=200, credits.per-cny=28) and does not move with the daily FX rate.

  2. Q2Why fixed-rate instead of live FX?

    Finance teams need predictable invoices. Living with daily FX swings means every monthly bill differs from the quote — frustrating for procurement. Fixed-rate Credits decouples your app charges from currency markets while Anima absorbs the spread internally.

  3. Q3What is the minimum recharge?

    Minimum is $10 USD or ¥50 CNY (yielding 2000 Credits or 1400 Credits respectively). Recharge is via Stripe USD, Alipay / WeChat CNY, or redeemable codes generated by admin.

  4. Q4Do Credits expire?

    No expiry. Once on your balance they stay until consumed. Refunds within 30 days follow Stripe / Alipay policy; pro-rated based on unused Credits.

  5. Q5How do I see Credit usage per model?

    Dashboard → Usage tab shows credit burn rate per model alias for the last 7 / 30 days with input vs output split. The same data is queryable via GET /api/user/v1/usage?period=7d.

  6. Q6Can Credits go negative?

    No. Anima blocks the next call when balance < estimated_cost; you receive HTTP 402 insufficient_balance. Set a low-balance webhook in Settings to auto-top-up via Stripe when balance falls under N Credits.

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